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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 precautions - precautions

Floods, Cars, And Auto Insurance

Author TonyScurich , 9/30/2016
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Floods happen - and nearly half of all deaths related to them involve vehicles, says the Federal Emergency Management Agency.

The best advice for drivers during periods of heavy rain or flooding is to stay off the road. If that's not possible and you see signs of high water or stranded vehicles, pull over or take a different route ("Turn around, don't drown").

However, an unexpected flash flood can easily catch you unawares. If this happens, safety experts recommend taking these precautions to prevent an accident or a water-damaged car:

  • Never drive beneath an underpass during a heavy rainstorm because they're prone to flooding.
  • Be wary of water levels. According to FEMA it takes only one foot of water to float a car, or even an SUV, sweeping it off a bridge or down a road.
  • If your vehicle gets caught in a flood and stalls, or you lose control, get out before the car is carried downstream.
  • If you can't escape and your vehicle is going under, don't panic. Once the car is submerged, open the doors, hold your breath, and climb out.

The good news: If your car is involved in a flood-related accident, Auto insurance can make sure that you don't get swept away financially. Comprehensive coverage will pay for any type of damage to your car up to its actual cash value caused by natural events, such as flooding. If you hydroplane during a storm and flip your car or hit another vehicle or tree, Collision insurance will pay to repair it or cover the actual cash value of the car.

To learn more, please feel free to get in touch with our agency.

 

Triangulating Fraud

Author TonyScurich , 9/21/2016
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Most people who commit fraud at work are not career criminals - and are often trusted staff with no criminal history. According to criminologist Donald Cressey, there are three factors (the "Fraud Triangle") that lead an ordinary person to fraud: opportunity, pressure, and rationalization.

Take this example: a bartender who splashes a little more scotch into his friends' drinks when they come into the bar is succumbing to opportunity; his peers' expectations that he'll do this create pressure; while telling himself that "everybody does this - and we're too stingy on our pours, anyway" provides a rationalization.

How can you use this three-legged tool to detect and deter fraud?

You can't do much with about rationalizing fraudulent misbehavior because everyone does it without announcing their decision in advance.

You can't learn whether employees might be under financial pressure to commit fraud without investigating their personal finances - which is impractical and illegal. However, you might be able to minimize work-based pressures they face (for example, forbidding managers from ordering them to hit their goals at all costs).

Opportunity provides the most effective leg in the triangle to curb fraud by making it more difficult. Here's how:

  1. Segregate duties so that no one has sole control over accounting, reconciling, custody of assets, and approval of transactions.
  2. Make sure that transactions which are unusual or involve large amounts have strong managerial oversight and follow-up.

In other words, develop effective control systems so that any larcenous employee will need to be clever enough to avoid several pair of eyes while running a gauntlet of people who reconcile accounts and monitor budget.

If fraud does strike despite these precautions, make sure that you have the right insurance to protect you from loss. For more information, just give us a call.


The Malware Epidemic: Seven Ways To Fight Back

Author TonyScurich , 8/5/2016
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Recent headlines about electronic spies hacking into computer networks from the Pentagon to China reinforce the dangerous reality that a "malware" (software that accesses systems to steal sensitive financial and client information) is becoming increasingly sophisticated and widespread.

According to a recent report from the NPD Group, the average U.S. household with a Web connection has 5.7 devices - desktops, laptops, tablets, and/or smart phones -- which are highly vulnerable to malware attacks. The more workers who use these devices to access the Web sites of their employers, the greater the threat of cybercrime. To help protect the security of your company's data against intrusion from malware, experts recommend taking these precautions:
  1. Identify the business processes and data you need to protect and the risks associated with them.
  2. Limit access to sensitive data to authorized users. Provide them with strong passwords and don't allow any sharing.
  3. Make sure that employees use only secure wireless networks when connecting to your site.
  4. Provide users with strong authentication measures and anti-malware software.
  5. Know your users and their behavior. Compare details of incoming login connections with the information you have about the user. If you find anomalies, add such precautions such answering a security question.
  6. Look for corrupted devices. Authenticated users might acquire malware on their devices that puts your data at risk once they log in. For example, man-in-the-browser (MitB) attacks can hijack authenticated sessions.
  7. Secure high-value transactions. Identify these transactions and refuse to accept them from devices with suspicious configurations.
Our agency's specialists can work with you in developing and implementing a comprehensive anti-malware program for your company. Please feel free to get in touch with us at any time.  

4th of july Tips

Author TonyScurich , 7/1/2016

fourth-of-july-1

4th of July fireworks, parades and cookouts are an excuse for you to relax with family and friends. As you plan your celebration this year, take several steps to ensure safety for everyone involved in celebrating the United States' birthday.

Use Fireworks Safely Public fireworks displays are the safest way to enjoy the beautiful colors and terrific booms of this July 4th tradition, especially when you maintain a distance of at least 500 feet between you and the show. Firework displays at home can be fun though too. If you go that route, take these precautions.

  • Follow the instructions on the packaging.
  • Never allow children to play with the fireworks.
  • Stock a fire extinguisher or water supply nearby.
  • Wear eye protection when lighting fireworks.
  • Remove flammable materials from the area.
  • Never point fireworks toward people, animals, vehicles or structures.
  • Properly dispose of duds rather than trying to relight them.

Take Precautions While Grilling

Burgers, hot dogs, fruit and pizza taste delicious when they're grilled. Grab your favorite side dishes and follow a few precautions that ensure you and your guests grill safely.

  • Always supervise the grill when it's in use.
  • Never grill indoors or in a fully enclosed area such as a garage or tent.
  • Use lighter fluid sparingly and never after the coals are ignited.
  • Keep children and pets away from the hot grill.
  • Remove flammable objects, including trees, from near the grill.
  • Use long-handled tools to handle food.

Stay Safe on the Beach

Swimming is a fun summer activity, and it's good exercise. At the beach, lake, public pool or backyard pool, stay safe with these tips.

  • Swim only in designated areas.
  • Obey the lifeguard and all posted signs.
  • Swim sober.
  • Get out of the water during a storm or if you hear thunder or see lightening.
  • Require children to wear life jackets.
  • Don't dive into shallow water.

Wear Sun Bathing Protection

Picnics are part of many July 4th celebrations. You should also take these protective measures.

  • Wear sunscreen that's at least 15 SPF.
  • Remember to apply sunscreen to your ears, hair part and the tops of your feet.
  • Avoid direct sunlight between 10 a.m. and 4 p.m. when the UV rays are strongest.
  • Reapply sunscreen every two to three hours or more frequently if you're sweating.
  • Drink plenty of water even if you're not thirsty.
  • Wear a hat, sunglasses and long sleeves if you have to be in direct sunlight.
  • Watch for signs of heat stroke, including hot, red skin, shallow breathing and rapid, weak pulse.

Your July 4th celebration will be safe when you take these steps. For more advice, talk to your health insurance agent. He or she stands ready to help you have the best birthday party ever.


Eleven Steps To Safe Parking On The Job

Author TonyScurich , 2/1/2016
1When it comes to workplace safety, have you considered the company parking lot or garage? Your workers use it at least twice a day to stow and shelter their vehicles, but beyond that it's fairly invisible. A closer look reveals that predators might easily be lurking there. To minimize this threat, experts recommend ensuring that workers (as well as visitors) take these precautions:
  1. Stay alert for cruising vehicles, whose drivers can stop suddenly and jump out to rob or assault you.
  2. If you're using a parking lot, park near the building in a visible, lighted area.
  3. In a parking garage, park near the parking attendant (if there is one) or near a well-lit exit. Women should avoid using stairs and elevators, if possible.
  4. Use the main exit/entrance rather than a side or secluded one.
  5. Lock any valuables (including GPS, shopping, other bags, etc.) out of sight. If you're walking to your vehicle after hours, ask a co-worker or security officer to accompany you.
  6. If you have to walk alone, ask someone to watch from inside, if possible. Turn around frequently to make sure you're not being followed and pretend that you're waving to someone ahead to give the impression you're not alone.
  7. Don't talk on your cellphone or listen to music with ear pods -- predators are looking for victims who seem distracted or unaware.
  8. Have your car keys and personal alarm or whistle ready as you approach your vehicle.
  9. If someone nearby looks suspicious, keep walking and get to a safe place where you can call for help.
  10. Before you unlock the door, take a good look around, inside, and behind the vehicle.
  11. Once you enter the vehicle, lock all doors promptly and keep your windows up until you've exited the lot or garage.
Words to the wise.  

Smart steps that could save your vacation

Author TonyScurich , 6/22/2015

Vacations are for reducing stress, not adding to it. Before you hit the road, here are a few simple precautions to help you choose – and share – your adventures safely.

#1: Make copies of your ID and passport Photocopy your license or passport in case either is lost or stolen. Bring a copy and store it separately from your original, and leave another with a friend or relative. The U.S. Government also offers the Smart Traveler Enrollment Program, a free service for U.S. citizens and nationals traveling abroad. It allows you to enroll your trip with the nearest U.S. Embassy or Consulate and can assist you in case of an emergency, such as if you lose your passport or if it is stolen while you are abroad.

#2: Streamline your wallet

Lost wallets are the leading cause of identity theft. Only carry the card(s) you plan to use on your trip. Leave your checkbook and the rest of your cards at home. If you decide to bring more than one credit card, consider stashing the extra, along with account information and customer service numbers for the cards you have with you, in a hotel safe or other secure location, in case you lose your original.

#3: Check out guides before you book

Look into online reviews before you book that zip-lining, parasailing, or river rafting trip. Seeing what others have to say about the company can help you choose a safe and well-run adventure.

#4: Travel like a local

Know your surroundings and plan your route in advance. Be aware of how the locals talk and dress, and consider whether certain actions will make you stand out as a tourist.

#5: Check the weather

Take steps to protect yourself from lightning, hail, thunderstorms and tornadoes by monitoring the local weather and packing the appropriate gear on your outdoor adventures. Keep tabs on the weather at home to make sure your property is protected.

#6: Avoid oversharing online

Posting photos or checking in on social media sites advertises your absence from home. Real-time updates can be tempting, but wait until you return safely home before sharing your adventures.


Grilling safely

Author TonyScurich , 5/11/2015

shish-kebabMany Americans fire up the grill when the weather is warm, especially during summer holidays and family get-togethers. This adds up to more than three billion barbecues a year. But serious accidents can occur without proper precautions.

Here are some important tips to help you keep danger away when you are enjoying food and fun:

Choose a safe location for your grill. According to the National Fire Protection Association, more than one-quarter (27%) of home structure fires involving grills started on a courtyard, terrace or patio and 29% started on an exterior balcony or open porch.* Keep grills on a level surface more than 10 feet away from the house, garage, deck rails or other structures. Keep away from children, pets, landscaping and overhanging branches. Grills should not be used on a balcony or under an overhang.

Grill outside only! Never use a grill in a garage, vehicle, tent or other enclosed space, even if ventilated, due to risk of harmful carbon monoxide buildup.

Keep gas grills and supplies safe. Always store gas grills – and propane tanks – outside and away from your house. Turn off valves if the odor of gas is detected or when not in use. Check at least annually for leaks in the connections.

Use the right fuel the right way. While starting and maintaining the flame in a charcoal grill can be challenging, avoid shortcuts. Only use starter fluids intended for these grills. Never use gasoline or too much starter fluid. If the fire is too low, rekindle with dry kindling and more charcoal if needed. Avoid adding liquid fuel because it can cause a flash fire. Do not leave grill unattended.

Do not forget post-grilling safety. Keep your grill clean by removing grease or fat buildup from the grills and in trays below the grill. If using a charcoal grill, dispose of coals by soaking them in water to let them cool completely and placing them in a closed metal container away from your home, garage or deck. Be aware that grills themselves remain hot long after extinguished.


Prevent Childhood Choking This Holiday With Six Precautions

Author TonyScurich , 12/24/2014
Child ChristmasWhile food is the primary cause of childhood choking, holiday decorations and other seasonal hazards can also be dangerous. If an item fits in a tube that's one and three-quarters inches wide, a child can choke on it. As you decorate, unwrap presents and eat during holiday celebrations, take six precautions that keep your young guests safe.
  1. Hang ornaments, lights and tinsel out of reach. Shiny and inviting, these tree decorations should be kept on the upper half of the tree or placed on wreaths that are out of a toddler or young child's reach.
  2. Remove fake berries from the table centerpieces. Kids are usually hungry, and fake berries look just like the real thing. So for safety, remove fake berries and any other artificial table centerpiece component that resembles something edible.
  3. Pick up small items like spare change, buttons and jewelry. Especially if you're not used to having youngsters around, you may store these choking hazards in jars throughout the house or lying loose on counters. For safety, move them to a high shelf where little hands can't reach.
  4. Give toy batteries to parents after the celebration instead of wrapping them with the gift. You don't want kids to suck on or accidentally swallow batteries that are supposed to power their new toys.
  5. Toss wrapping paper, tape and ribbon as soon as the presents are opened. Have a trashcan handy, and use it to dispose of these choking hazards after each gift is opened.
  6. Store food out of reach. While you prep the meal, keep an eye on the serving area and table. Little ones may grab food, whether it's bite-sized or full sized, and stuff it into their mouths. To be safe, prep a few kid-safe snacks in advance for hungry kids to enjoy between meals.
Create a choke-free holiday when you implement these six precautions. With them, everyone can enjoy a safe and happy holiday.