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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 school - school

Avoid Sticker Shock For Your Teenage Driver

Author TonyScurich , 10/3/2016
Adding a teenager to your auto policy can raise your rate by more than 40%. The good news: you and your teen can reduce these hikes significantly in a variety of ways:
  1. Get good grades. Most insurance companies offer high school or college students with a B average or better a discount of up to 10%.
  2. Live away from home. Students at college or living at least 100 miles from their parents without a car can usually get a 5%-10% discount.
  3. Take an additional driving class. Although most insurance companies don’t give a discount for mandatory drivers’ed instruction, some companies will reduce premiums by 5% for teens who go to follow-up classes.
  4. Sign a parent-teen driving contract. Your insurer might offer up to a 5% discount if your teen agrees to follow such rules as not driving at night or with friends in the car.
  5. Raise your deductible. However, bear in mind that you’ll have to pay this deductible if your teen driver damages the car. If you repair every ding, you could spend a lot more than you'll save on premiums with a higher deductible.
  6. Reduce or drop some coverage. If you have an older car, you might not need Comprehensive or Collision insurance. Be wary of lowering Liability limits. In most cases, it makes sense to keep Personal Injury Protection (PIP) coverage, which pays medical expenses of anyone injured in an auto accident.
  7. Choose a safe vehicle. The higher the safety rating of your car, the lower your premiums – and the safer your teenager will be behind the wheel.
We’d be happy to help you minimize the sticker shock of adding a teen driver. Just give us a call.

Pollution Liability: The CPL Solution

Author TonyScurich , 8/15/2016
Air, water, and soil pollution pose a serious financial threat for contractors. One small misstep can require thousands - or even millions - to clean up. Consider these scenarios:
  • Remodeling a school kicks up dust.
  • Using construction materials generates fumes that pollute the air.
  • Hitting an underground storage tank leads to the release of liquid pollutants.
  • Spraying to remove a bees' nest from a work area releases insecticides.
  • Tying into a sewer line improperly causes sewage to back up.
Your Comprehensive General Liability (CGL) policy provides severely limited protection against these types of pollution claims. Not to worry! Contractors Pollution Liability (CPL) insurance can protect you. (These policies are sometimes written together with Contractors Professional Liability coverage - see the previous article). CPL covers Bodily Injury and Property Damage - whether by settlement or verdict - as well as the expenses of investigating, defending, or settling claims. Most policies also cover the costs of removing or neutralizing pollutants and restoring the damaged property. CPL policies usually include a "hammer clause" that works like this: if the contractor chooses to fight a claim, rather than settle it, the insurance company's liability for damages and claims expenses is limited to what it would have had to pay if the contractor had approved the settlement. As you can imagine, most contractors choose to settle when their insurer recommends this approach. As with Contractors Professional Liability coverage, CPL policies are usually written on a case-by-case basis, with the size of the policy depending on your situation (for example coverage might be worldwide or limited to the U.S). Our agency would be happy to work with you, and the quality insurance companies we represent, to tailor a program suited for your needs. Feel free to get in touch with us at any time.

Valedictorian credits immigrant parents for providing opportunity

Author TonyScurich , 6/6/2014

Scurich Insurance Services, CA, ValedictorianMiguel Angel Fragoso-Hernandez sets goal of medical career in Watsonville

WATSONVILLE >> At Pajaro Valley High School, Miguel Angel Fragoso-Hernandez is known as Nino, or Kid, a nickname bestowed during his freshman year, when, a year younger than most students after skipping first grade, he was the smallest player on the junior varsity soccer team. But Fragoso-Hernandez, now a 17-year-old graduating senior and class valedictorian, has another title in mind: doctor. He'll take a step toward achieving his career goal when he enrolls at UC Berkeley in the fall to study biology or biochemistry. At a graduation ceremony Thursday, he plans to remind his classmates how they reached this point in their lives. "It's not like you did it on your own. Your teachers helped you. Your parents helped you all through your life," Fragoso-Hernandez said. "At the same time, (the graduates) sit here because they worked for it." Fragoso-Hernandez will speak from experience. His parents, Martin Fragoso and Julia Hernandez, emigrated from Santiago Tulantepec in Hidalgo, Mexico, to the U.S. in their teens. They were very poor, Fragoso-Hernandez said. His father scrounged from garbage cans to get enough to eat. His mother, living on a rural ranch, watched two siblings die in childhood. Here, they worked in the fields at first, but later Miguel's father became an auto mechanic and eventually bought the business from his boss. After volunteering at Freedom Elementary School, his mother was hired to supervise students at recess. As the family's income improved, they were able to move from a series of crowded garages into a three-bedroom apartment in a Holohan Road complex. Though he was only 7 at the time, Fragoso-Hernandez recalls his amazement at the space and the fact that the apartment had its own kitchen. Growing up, he watched his father work two jobs at times, and his mother devote herself to work and raising three sons. But he didn't understand what they were trying to accomplish until high school. "I thought they came to find a better life for themselves," Fragoso-Hernandez said. "I didn't realize until my sophomore year that the ultimate goal was to have a better life for their children." Though neither Fragoso nor Hernandez went to school past the sixth grade, they knew education was the key to reaching that goal, and they instilled that value in their children. Fragoso-Hernandez said math and science captured his interest at any early age. He paid attention as his older brother did his homework, and by the end of kindergarten he had mastered multiplication. He finishes high school with a 4.24 grade point average. In addition, he was a forward on the varsity soccer team for three years, and has worked as a math tutor in an after-school program for elementary students since he was 14. His father's struggles with poor health led him to decide on a medical career, either as a general practitioner or a surgeon. "I grew up seeing him with all these problems, and I wanted to be able to do something but I couldn't," he said. "I want to be able to do something for someone in the same situation." When Fragoso-Hernandez was in middle school, the family moved to Gilroy, but he and his two brothers, Eric, a sophomore at Cal State Monterey Bay, and Marco, a seventh-grader at Lakeview Middle School, elected to commute each day so they could remain in Watsonville schools. The three brothers were born in Watsonville, and Fragoso-Hernandez considers the city home. Once he earns his medical degree, he plans to return. "Without Watsonville, I wouldn't be where I am today," he said. "I want to give back to this community." Content provided by

Watsonville school hosts fundraiser for Jacob's Heart

Author TonyScurich , 5/16/2014

Scurich Insurance Services, CA, Jacob's HeartMonte Vista Christian School to donate portions of proceeds from event

Watsonville >> The Monte Vista Christian School performing arts department is putting on a Disney-themed concert to raise the spirits of children with cancer as well as funds for Jacob's Heart. The Watsonville-based private school's show Friday at the Mello Center for the Performing Arts, 250 E. Beach St. in Watsonville, will feature a number of songs from the Disney repertoire with a strong focus on the latest animated movie, "Frozen." Proceeds from the concert will go to Jacob's Heart, the Watsonville-based nonprofit that helps children with cancer and their families. "Since the concern is basically for the children (at Jacob's Heart), we're going to make it a Disney-themed concert," said Tony Dehner, director of vocal arts at Monte Vista. It's the first time Monte Vista has organized a concert fundraiser, according to Dehner. The idea was sparked from a conversation Dehner had with Watsonville Police Chief Manny Solano. The two spoke at a dinner event in November to celebrate Solano's 18-year-old son, who attends Monte Vista and sings in the school's choir, making it into the California regional honor choir. "We're Facebook buddies so he had been following the various stories through my wife's posting of my updates," Solano said, referencing his own battle with cancer. Solano publicly revealed his cancer diagnosis in August and took a three-month leave of absence from the police department to focus on treatment. During the conversation, Solano talked about his cancer battle and Jacob's Heart, which Solano has been a strong advocate and supporter of, came up in the discussion. Eventually Dehner suggested a fundraiser for the nonprofit and, soon, the concert was conceived. "It's just been a great opportunity to bring people together," Solano said. Though the school hosts a spring concert each year, it has traditionally taken place at the high school's auditorium. The decision to change venues to the Mello Center was prompted in part because of the expected number of attendees. The concert will feature two sections. The first half will focus on popular and classic songs and a second half will focus on Disney songs. Songs from "The Lord of the Rings" and "The Hobbit" movies are in the first part of the program as well as a song by Led Zeppelin. The Disney portion of the show will feature 20 characters from the franchise, all in costume, Dehner said. "I'm pretty sure we're going to sell out," he said. Children from Jacob's Heart and their families are expected to attend the show, free of charge, Dehner said. About 170 Monte Vista students will take part in the performance, including three choirs, the vocal ensemble, the jazz band, the orchestra, the high school band, the dance team and the handbell choir. "The guests will be treated to really quality and incredible music and singing that is right here in our own backyard," Solano said. All tickets are $10. For details and ticket reservations, call 831-728-2711. What: Monte Vista Christian School hosting a concert fundraiser for Jacob's Heart When: 7:30 p.m., Friday 5/16 Where: Mello Center for Performing Arts, 250 E. Beach St. in Watsonville Detail: Call 831-728-2711. Content provided by

Watsonville soccer program coaches for college

Author TonyScurich , 4/4/2014

Scurich Insurance Services, CA, SoccerAfter-school program merges soccer coaching and academic tutoring

Watsonville >> Yoni Hernandez dashed around the Pajaro Middle School field at the center of a pack of students kicking a soccer ball Wednesday. Not that long ago, the 19-year-old Cabrillo College student was a player in the Breakaway College Access Project. Now, he's a coach in the after-school program that hooks kids with soccer and provides tutoring and mentoring to encourage them to get a high school diploma and continue on with their education. The program is celebrating five years of operations. As a Watsonville High freshman, Hernandez was part of Breakaway's first class. "In my family, no one had been to college so it was the last thing on my mind," he said. "(Breakaway) opened my eyes, and gave me the thought that college is an option to pursue a better life." Breakaway is the brainchild of a trio of soccer enthusiasts: coach Hillel Rom, former Watsonville High teacher Sara Roe and Carol Schimke, who brought organizational development expertise to her role as executive director. Schimke said the idea was to channel the Pajaro Valley's passion for soccer into academic success. "The caliber of kids coming out of the community every year (for soccer) is astounding," Schimke said. "We didn't see that same caliber coming out of the classroom." The program, which serves about 200 students annually, started at Watsonville High and expanded to Pajaro Middle two years ago. The voluntary drop-in three-hour sessions are split between honing soccer skills on the field and sharpening academic prowess in the classroom. Field trips to college soccer games provide opportunities for campus visits, and college coaches and players come to Watsonville as guest speakers. Students earn points for attendance, which are converted into scholarship dollars when they enroll in college. Every participant might not go right to college after high school, but the goal is to make sure they have the choice, Schimke said. "We plant the seed that college is an option," she said. Breakaway also stresses the importance of the relationships students form with their adult mentors. Program manager Eduardo Santana said students share their troubles with him and their joys. On New Year's Day, for example, several texted him good wishes. To him, it was a small, but meaningful gesture. "It showed me that I am making a positive difference in their lives," Santana said. Hernandez, who is majoring in sociology and plans to transfer to a four-year college in 2015, grew up in the same kind of neighborhoods as the participants. The stories he tells about his own youth — the pressure from gangs, the challenge to make good decisions — resonate with them, he said. "I give them the thought, 'He made it, and he's the same as us,'" Hernandez said. Content provided by