keyboard_backspaceBack to main blog page

Scurich Insurance Services - Blog

Scurich Insurance Services has been serving the Monterey Bay Area since 1924. Our mission is to partner with our customers and provide them superior service and value. We are a member of United Valley Insurance Services, Inc., a cluster of over 70 California Independent Insurance agencies, which produced over $530,000,000 of annual premium last year. At Scurich Insurance Services we understand your business and our community. Our customers look to us for comprehensive solutions. We have established relationships with more than 40 of the nation’s leading insurance providers, which allows us to deliver multiple, competitively-priced options and a team of experts to guide you through the process. When you need to file a claim, change a policy or process a certificate you can depend on Scurich Insurance Services to respond quickly to your request. SERVICES In order to provide value added benefits to our customers that go beyond the insurance policy Scurich Insurance Services offers the following additional services: Safety Programs – English and Spanish OSHA Compliance Safety Policies – English and Spanish Online OSHA 300 Log Safety Posters and Payroll Stuffers - English and Spanish Certificates of Insurance – If received before 3:30pm done the same day Risk Management Consulting Brokerage Services Represent most major insurance companies to better market your account. Safety tapes/DVD’s BUSINESS LINES Commercial Commercial Packages Business Auto Workers Compensation Umbrella Bonds Directors & Officers Professional Liability Employment Practices Liability Personal Auto Home Umbrella Recreational Vehicles Boatss Life & Health Individual Medical Individual Life Group Medical Group Benefits

Search Results

Posts tagged with heat - heat

When Is it Dangerously Hot to Work?

Author TonyScurich , 8/3/2015
High heat and construction work are simply not compatible. Yet, the work must get completed. Workers must wear protective clothing and gear which diminishes the body's capacity to shed heat. This fact combined with high heat creates specific exposures which require vigilant monitoring. Short-term exposures to heat and humidity:
  • Prevention: Drink plenty of water - a good test is the employee must urinate every three hours at a minimum, two hours is better. If they do not need to urinate, they are not getting adequate fluids. Wear breathable clothing such as cotton. Work in the shade or indoors as much as possible, take frequent water breaks in the shade.
  • Heat exhaustion: the stage prior to heat stroke when many symptoms from dehydration can be noticed. Any dizziness, nausea or vomiting, cramping, or sudden weakness requires immediate attention. Headaches, blurred vision or unusual fatigue can be signs of heat exhaustion. Rest the worker in the shade, loosen tight clothing and provide water. Observe the employee for several minutes. If they quit sweating or any symptom becomes worse, or they breathe rapidly or have a quick pulse, seek emergency medical help immediately.
  • Heat stroke: LIFE THREATENING. Add these to the heat exhaustion symptoms:
    • Hallucinations, confusion, disorientation, illogical behavior
    • High body temperature, red or pale skin, difficulty breathing
    • Unconsciousness or coma
Seek immediate professional help for these symptoms. Bacteria carrying insects love this weather. Lyme disease and West Nile Virus are not uncommon. Prevention includes spraying mosquito deterrent and checking for ticks. Long-term exposures include skin cancer. Wear protective clothing and use sunscreen. Common sense goes a long way to prevent over-taxing workers. If a concrete pour is scheduled for an extremely hot day, postpone. You'll spare your employees heat related discomfort, and the odds of getting the concrete in before it sets is remote at best. Remember your machine operators too. Check on them throughout the day and carefully observe their performance. Any signs of erratic behavior needs to be addressed immediately. Even air conditioned cabins can create dehydrating condition in the hot sun. If you want your crew working Friday, you need to supply plenty of water and shaded rest breaks Monday through Thursday. The body can only take so much heat.

Grill Fruit and Veggies to Boost Your Summer Health

Author TonyScurich , 7/27/2015

You already cook meat on the grill. Why not add fruits and veggies? They help you boost your summer nutrition and taste delicious.

Choose Fresh Produce Whether you decide to grill pineapple, watermelon, corn or asparagus, make sure it's fresh. Ideally, the produce you grill should be firm and picked within the past three days. Brush on the Oil You'll want to stock quality canola, olive or coconut oil in your pantry before you grill produce. It adds extra flavor to your grilled produce and a light coating works together with foil packets or a non-stick grate to ensure the fruits and veggies don't stick to the grill. Mix a Few Marinades In addition to the oil, prepare a few marinades. Olive oil infused with herbs, raspberries, mint or other flavorings, honey and low-fat or Greek yogurt enhance the taste of your grilled produce. Leave the Skin On The skin of many fruits and veggies contains healthy nutrients. So, leave veggie skins on when you grill them and maximize the nutrient content of the grilled veggies you eat. Most fruits, however, grill better without the skin. Pre-Cook Some Veggies Certain veggies cook more evenly on the grill when you pre-cook them in the kitchen. To prep asparagus, beets, broccoli, parsnips, potatoes, squash and carrots for grilling, steam or blanch them until they're al dente. Alternatively, tomatoes, sweet potatoes, peppers, mushrooms, onions and eggplant will cook evenly when you grill them raw. Use the Right Temperature When you cook fruits and veggies over moderately hot coals, the outside could cook faster than the inside. You'll want to rotate the produce between direct and indirect heat so that each piece cooks evenly and completely. Whether you cook for one or 100, prepare fruits and veggies on the grill and enjoy a summer nutrition boost. They help you stay healthy, and you'll feel good knowing that you're helping your family and friends stay healthy, too.  

Stay Safe While Exercising This Summer

Author TonyScurich , 7/24/2015

You might love the warm summer temperatures, but they can be dangerous when you are working out. If you are not careful, you could end up with dehydration or heatstroke. The following tips can help you keep up stay safe while you stay in good shape over the summer.

Exercise During the Cool Parts of the Day Avoid the intense heat of the noon-time sun when possible. Instead of going for a walk during your lunch break, exercise early in the morning when temperatures are lowest. Another option is to wait until the sun goes down and the temperature starts to drop in the evening. If you work out before dawn or after sunset, wear reflective clothing so that car drivers can see you more easily. If you exercise during the day, use sunscreen. Stay Hydrated You can quickly become dehydrated when you exercise. To prevent dehydration, men should drink 12 8-ounce cups and women should get 8 cups of water per day. You need extra water when the weather is windy or dry. Consume an additional 2 cups of water about an hour before your workout, and drink 8 ounces of water every 15 minutes while you are exercising. Weigh yourself before and after your workout, and drink an additional 16 ounces, or half-liter, of water for every pound that you lost during your workout. Symptoms of mild dehydration can include thirst, headaches, fatigue, muscle cramping and muscle weakness. Stop exercising and drink some water immediately if you notice these symptoms. Adjust Your Exercise Program Be flexible with your exercise program during the summer. Water activities, such as swimming laps or taking water aerobics classes, can give you an excellent aerobic workout while you stay cool compared to participating in activities such as running or cycling. You can also adjust your workout program while maintaining a high level of fitness by lowering the intensity of your exercise sessions on hot days. Finally, you can opt for indoors workouts instead of heading outdoors. You can follow an exercise DVD in your own air-conditioned home, or go to a health club with air conditioning. There, you can run on the treadmill, use the stationary bikes or elliptical machines, lift weights, and take group fitness classes without exposing yourself to the sun. With a bit of caution, you can have fun, stay fit, and stay safe this summer.  

Tips for a vacation-ready home

Author TonyScurich , 6/22/2015

family-vacationA vacation is your time to relax and enjoy life.

Vacation is for fun and relaxation. Help save yourself some worry about what could be happening at home by protecting it from theft and damage while you are away. Here is a checklist we have developed to help you have a relaxing and peaceful vacation.

  • Make sure all electrical appliances are turned off.
  • Clean the refrigerator of all perishable foods, and take out the garbage.
  • Lock all windows and doors.
  • Arrange to have the newspaper and mail held until your return, or have them picked up by a trusted neighbor.
  • Arrange to have your lawn mowed (or snow shoveled) while you are away. Ask a neighbor to set out your trash on collection day and then retrieve empty cans and recycling bins the same day.
  • Let a trusted neighbor know you will be away and have them keep an eye on your home. It is a good idea to leave your vacation address and telephone number with a neighbor so you can be reached in case of an emergency.
  • Never leave your house key hidden outside your home.
  • Set timers on interior lights.
  • Make sure to unplug televisions, computers and appliances susceptible to lightning and power surges.
  • Advise your alarm company and local police if you will be gone for an extended period.
  • Store jewelry and valuable items in a safe-deposit box.
  • Arrange for the care of pets.
  • Set the heating system to provide minimum heat of 55 degrees.


Be aware - not all kitchen fires start with cooking

Author TonyScurich , 6/15/2015

fire-3When thinking of the cause of a kitchen fire, it is common to think of cooking. But not all kitchen fires start because of cooking hazards. Non-cooking related fires commonly involve refrigerators, freezers or dishwashers. The following tips can help prevent non-cooking related fires from occurring in your kitchen.

  • Plug all kitchen appliances, including microwaves, toasters and coffee makers, directly into a wall outlet. Never use an extension cord as it can overheat and cause a fire.
  • Use the right outlet for the right appliance. For larger appliances, such as ovens and refrigerators, be sure to only use properly grounded outlets with circuits that match the rating plate on the appliance. If you have older 2-prong outlets in other locations of your kitchen, have a qualified electrician replace it with a properly grounded 3-prong outlet. Do not use an adapter.
  • Replace any power cords that become frayed or otherwise damaged. Never use a cord that shows cracks or other damage.
  • When moving kitchen appliances, be aware of power cords. Rolling over or pinching power cords can damage them.
  • Unplug small appliances when not in use.
  • Keep your stove and oven clean. Built up food splatter or grease can later ignite when the stove or oven is turned on for cooking.
  • Check and clean stove hoods and filters regularly. If your stove hood vents externally, make sure insects or birds do not build nests or otherwise impede air flow through it.
  • Never use a gas or propane oven to heat your home. Not only is this a fire hazard, but it can also give off toxic gases.

What to Do If a Kitchen Fire Flares Up

By exercising caution at all times in your kitchen, you can help reduce the risk of a kitchen fire. But if a fire does flare up, you need to be prepared.

  • Your safety should always come first. If you are unsure about whether it is safe to fight the fire, leave the scene, call 911 for help, and let the fire department control the fire.
  • If a small fire flares up and you are going to attempt to extinguish it, call 911 for help first. A fire may grow out of control more quickly than you anticipate. It is safer to have help already on the way. Using a fire extinguisher

Hotter than healthy: surviving extreme heat

Author TonyScurich , 6/12/2015

Warmer weather means more people enjoying outdoor activities. But extreme temperatures have killed more people in recent years than other natural disasters combined.1 Between 1999 and 2009, an average of 658 heat-related deaths occurred per year.2

Turning the Heat Down – Preventing Heat Stroke and Heat Exhaustion Whether you are working or playing in the sun, the risk of heat exhaustion and heat stroke increases with the temperature.

The following tips can help you stay safe:

  • Drink ample cool water throughout the day. Avoid excessive alcohol and caffeine, soda or fruit juice. 3
  • Wear a hat and light-colored clothing. 4
  • Try to limit exertion to cooler periods of the day.
  • Take frequent breaks and rest if feeling weak.
  • Be aware that some medications may make you more vulnerable to sun and heat exposure.
  • If air temperature is higher than 95° F, fans will be ineffective and air conditioning should be used instead.
  • Apply wet towels or headbands to help beat the heat.
  • Help replace lost fluids from your body with water or sports drinks.5

Heat Injury - Know the Warning Signs

Heat exhaustion and heat stroke are the most common problems when the body is exposed to excessive temperatures.6

Heat exhaustion results when you spend long periods of time exposed to high temperatures and your body gets too hot.

Symptoms  Symptoms of heat exhaustion can include, but are not limited to:

  • Dizziness
  • Weakness
  • Headaches
  • Blurred vision
  • Nausea
  • Staggering
  • Paleness
  • Profuse sweating
  • Weak pulse
  • Faint breathing
  • Unconsciousness

Treatment  The following tips can help treat heat exhaustion:

  • Go to a shady location or a room with air conditioning
  • Lie down and stay calm
  • Take frequent small sips of cool water or a sports drink
  • Call the doctor if symptoms persist as heat exhaustion can quickly become heat stroke.

Heat stroke can potentially be life threatening since it can cause you to lose the ability to sweat and control body temperature.

Symptoms Symptoms of heat stroke can include, but are not limited to:

  • Severe headache
  • Face is red and skin is hot and dry
  • No sweating
  • Pulse is strong and very fast
  • Vomiting and diarrhea
  • Fever
  • Confusion
  • Convulsions
  • Unconsciousness

Treatment

  • If you believe a co-worker or loved one is suffering from heat stroke,call 911 immediately and follow directions given by emergency personnel. Move the person to a room with air conditioning or to the shade to help cool him or her and loosen his or her clothing.

Spring maintenance tips for the home

Author TonyScurich , 5/8/2015
Person cutting bushesMilder days offer a prime opportunity for spring cleaning and home maintenance. After a long winter, be sure to spend some time on preventive measures that will help maintain your home and property all year long. From cleaning out your gutters and checking for dead trees and branches, to cleaning and inspecting your home mechanical systems such as your heating and air conditioning equipment, we offer ways to help make spring a season of safety.

Download our spring home maintenance checklist >

Inside Your Home

  • Check your electrical outlets for potential fire hazards, such as frayed wires or loose-fitting plugs. Make sure outlets, fuse boxes and extension cords are not overloaded.
  • Move your multi-purpose fire extinguisher to an accessible place, and make sure it is filled and ready for operation.
  • Have your air-conditioning system inspected by a professional as recommended by the manufacturer.
  • Check your water heater for leaks and corrosion.
  • Clean or replace your furnace filter.
  • Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material.
  • Inspect your smoke detectors. Make sure there is one on each floor of your home. Test them monthly, and change the batteries annually or as needed.
  • Check the light bulbs in all your fixtures. Be sure they are the correct wattage as recommended by the manufacturer.
  • Replace all high-intensity bulbs with fluorescent bulbs. Other types of bulbs, like incandescent, produce more heat than fluorescent bulbs.

Outside Your Home

  • Check for damage to your roof.
  • Clean gutters and downspouts to keep debris from accumulating.
  • Remove dead trees in your yard.
  • Keep healthy trees and bushes trimmed and away from utility wires.
  • Safely store oil and gas for lawn equipment and tools in a vented, locked area.
  • Repair cracked, broken or uneven driveways and walkways to provide a level walking surface.

Time to winterize your pipes

Author TonyScurich , 9/29/2014
PipesYour homeowner’s insurance policy probably won’t cover any damage from your pipes if investigations prove negligence or poor maintenance.   We have a few tips for you to use to winterize your pipes this fall.
  1. For all outdoor watering hoses and sprinklers, disconnect them and drain out the water.  Store them in a dry place.
  2. Make sure your shutoff valve is working properly.
  3. Check for broken windows or cracks where your pipes are located.  If cracks and/or broken windows are found, seal them up to prevent your pipes from freezing up.
  4. Make sure heat can evenly circulate throughout the house, especially around the pipes and water meters.
  5. If you have interior pipes, wrap them up with insulation.
  6. Don’t close your cabinet door.  Leave the cabinet doors open that are home to pipes so the heat can get to them.
  7. You may want to consider allowing your water run a little slower this winter.  It may cost a little more on your water bill, but when you compare the cost of repair your pipes, you’ll find that it’s worth it.
This winter, make sure that your pipes are well maintained and taken care of.  For more information about your homeowners insurance policy, feel free to contact Scurich Insurance Services. Content provided by Transformer Marketing. Source:  http://www.mainewater.com/Customers//media/Files/Bill%20Inserts%20and%20Fact%20Sheets/Winterizing%20Tips.pdf

Let's go shopping!

Author TonyScurich , 7/2/2014
Scurich Insurance Services, CA, Let's go shopping!Are you looking for a great deal?  Who isn’t?  I know, I’m always on the lookout for a great deal that I can brag about later.  One way to search out for great deals is to do some research.  You see, every month offers some kind of great deals, and July is no exception. 4th of July The 4th of July is not just about fireworks and barbecues.  For the shopping expert, it’s also a great time to get fantastic deals on summer clothing (50-60% off), get yourself new patio furniture at discounts of up to 50% off and grills will have favorable discounts as well! For the gamer, video games are on sale. Go on vacation Did you book your summer vacation yet?  No?  That’s a good thing.  July is a great time to book a trip that is scheduled for late August.  Disney World hotels has some fantastic deals at the end of August.  Cruises throughout Hawaii, the Caribbean, and Mexico are also on the best trips list. Crank up the A/C Yes, it’s true that the best deals can be found in August or September, but July will give you 20% off air conditioner units.   We don’t anyone to melt from the heat. Isn’t nice to know that you don’t have to wait until Black Friday, Cyber Monday or after Christmas to find great deals? Content provided by Transformer Marketing.

Easy Easter Ham Recipe-Classic Glazed Ham

Author TonyScurich , 4/16/2014
Scurich Insurance Services, CA, Glazed ham1 9 -to-10-pound bone-in fully cooked smoked ham (butt or shank half) 2 tablespoons whole cloves (optional) 1 1/2 cups glaze Directions Remove the ham from the refrigerator and bring to room temperature, about 30 minutes. Preheat the oven to 325 degrees F. Trim off any skin from the ham. Use a sharp paring knife to score through the fat in a diagonal crosshatch pattern without cutting through to the meat. Insert the cloves into the ham (if using), placing them at the intersections of the cuts. Put the ham, flat-side down, on a rack in a roasting pan. Pour 1/4 inch water into the bottom of the pan. Transfer to the oven and roast until a thermometer inserted into the thickest part of the ham registers 130 degrees F, about 2 hours, 30 minutes (about 15 minutes per pound). Increase the oven temperature to 425 degrees F. Pour half of the glaze (see below for glazes) over the ham and brush to coat. If the water in the bottom of the pan has evaporated, add more. Return the ham to the oven and roast, basting every 10 minutes with the remaining glaze, until glossy and well browned, about 45 more minutes. Total Time: 3 hr 55 min Prep: 40 min Cook: 3 hr 15 min Yield:12 servings Level:Easy Ham Glazes: Apple-Maple Glaze Directions Boil 2 cups apple cider in a saucepan over medium-high heat until reduced to 1/2 cup, 8 to 10 minutes. Reduce the heat to low; add 1/2 cup each apple jelly and maple syrup, 1/4 cup whole-grain mustard, 1/2 teaspoon allspice and 1/4 teaspoon nutmeg. Mustard-Orange Glaze Mix 1 cup light brown sugar, 3/4 cup dijon mustard and the grated zest and juice of 1 orange in a bowl. Recipe and image provided by: http://www.foodnetwork.com/recipes/food-network-kitchens/classic-glazed-ham-recipe.html

    • 1
    • 2