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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

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Posts tagged with negligence - negligence

THE ABC’S OF HOLD HARMLESS AGREEMENTS

Author TonyScurich , 10/31/2016
Bookmark and Share Because construction projects are complex operations involving a number of subcontractors under your supervision, onsite accidents or injuries resulting from their work can easily lead to litigation against you. To protect yourself against claims, losses, and expenses if disputes arise during the project, make sure that all subcontractors sign a “Hold Harmless Agreement” clause. The terms of these clauses will vary from state to state. In some cases, this clause will protect the contractor from claims by corporations or companies that did not sign the agreement. There are three types of hold harmlessagreements: Under the Broad Form, the subcontractor assumes all liability for accidents due to negligence of the general contractor, and combined negligence between the two parties. Because of its sweeping terms, this form is relatively rare – and some states prohibit it. With the Intermediate Form the subcontractor takes on all liability for accidents and negligence, but will not be held accountable for the general contractor's actions. It doesn’t matter whether the incident was the subcontractor’s fault. If both parties were negligent, the subcontractor assumes liability all for its acts or omissions. Intermediate form agreements are relatively common. A Limited Form agreement makes the subcontractor liable only for the proportional part of its responsibility for a mishap. Other parties – such as subcontractors – will be held liable under their hold harmlessagreement(s) for their corresponding part of the accident or negligence. The type of agreement that’s best suited for your needs will vary depending on the nature of the project and state laws. As always, we stand ready to offer you our professional advice.

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

Is that contract insured?

Author TonyScurich , 5/26/2014
Scurich Insurance Services, CA, ContractsTo be in business means to sign contracts - and every one of those contracts requires that you agree to provide some guarantee. A common question is "will my insurance back me up on those guarantees?" The answer can be complicated. For one thing, it's essential to determine if the contract is one of the types that your Liability coverage specifies as an "insured contract." Although other policy provisions can also apply (such as exclusions and limitations), if a particular contract isn't considered an "insured contract," look no further - your policy won't apply. Standard Commercial Liability policies usually define "insured contracts" to include:
  • Leases.
  • Sidetrack agreements (made with a railroad if you have tracks crossing your property).
  • Easement or license agreements.
  • Obligations required by ordinance to indemnify a municipality.
  • Elevator maintenance agreements.
Almost all Liability policies also include a broader provision that covers contracts under which your businesses assume the "tort liability" of another party for bodily injury or property damage. "Tort liability" is defined as liability that would exist in the absence of a contract or agreement. In other words, the liability you're assuming must arise from the negligence of the other party to the contract. If the injured person can sue this other party without reference to any contract or agreement ("tort liability"), then a contract under which your business agrees to assume this liability will be considered "insured." Although it's important, the definition of "insured contract" is only the starting point for determining if Liability coverage applies. Instead of assuming that your policy covers your contractual agreements, give one of our specialists a call. We can review the specific provisions of your current coverage as they might apply to your proposed contract and advise you about possible gaps. Content provided by Transformer Marketing.