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 state - state

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.

Reporting Insurance Scams: It’s The Law!

Author TonyScurich , 10/5/2016
  As you go about your daily business, insurance fraud is probably one of the furthest things from your mind. However these all-too-common scams, everything from homeowners who report a non-existent burglary to collect on their policies to drivers who stage auto accidents and file injury claims – are criminal acts that you have a legal obligation to report. If you’re aware of, or suspect, a fraudulent act that involves insurance follow these steps:
    • Inform the insurance fraud bureau in your state either through its telephone “hot line” or online.
    • Contact the fraud department of the insurance company involved. Most companies have hotlines for this purpose. If a fraud hotline isn’t available, or if you’re uncomfortable using it, write the fraud department instead.
    • If the alleged fraud involves a medical issue – such as a claim for a non-existent condition – contact your state medical board or chiropractic board immediately in order to protect the complainant, as well as other possible victims.
    • If appropriate, notify other authorities, such as the police (if someone’s life might be in danger) or your local Social Security office (in case of suspected Social Security fraud).
    • Remember that, as a witness, you must report all the details involved: full names, dates, organization, company name, the amount of money involved, etc. Provide any documentation or other information you think might help with the investigation.
    • Be patient. Investigating complaints takes time; it might be months before the investigators have gathered enough evidence to bring the perpetrators into court.
A word to the wise. insurance scams costs billions of dollars a year, driving up premiums for everyone – including you.  

Car Insurance Deal-Breakers: Non-Renewal And Cancellation

Author TonyScurich , 7/25/2016

aquaplaning-83008_1280If your Auto insurance company sees you as a deadbeat or high-risk or driver, it might cancel or non-renew your policy.

Because insurers take cancellation seriously they won't eliminate coverage for a traffic ticket or two. What's more, state regulators ban cancellations under most circumstances. However, a company can non-renew your insurance at the end of each policy period (six to 12 months) or cancel the policy during the first 30 to 60 days that it's in force. The main reason for midterm cancellation is nonpayment. State regulators set the requirements, such as a written notice of non-payment, together with a 10 to 30-day grace period to pay. Some states allow insurers to cancel coverage, usually for an activity - such as a DUI conviction that involves bodily injury or substantial damage - which indicates you're at high risk for an accident; or for misrepresenting your driving history (for example, not disclosing that your teenager was behind the wheel instead of you when an accident occurred). Some companies will backdate coverage to the cancellation date, while others will not cover you during the period when you haven't paid your premiums. If you can't bring your account up to date or the company cancels you for a reason other than non-payment, your policy probably won't be renewed - which means you'll have to look for insurance elsewhere, probably at a higher rate. Depending on the reason for cancellation, some companies might refuse to write your business. In this case, you can to turn to the state's assigned-risk pool, which offers bare bones coverage at higher rates. Your best move is to do everything possible to avoid cancellation or non-renewal. For example, if you can't afford to premium payments, consider reducing your coverage rather than take the risk or cancellation. For more information, just give us a call. We're here to help!  

Home Repairs: 'Like It Never Even Happened'

Author TonyScurich , 6/1/2016
3

A pipe bursts and water ruins a corner of your Brazilian cherry wood floor. A windstorm tears off half of the vinyl shingles on one side of the house. A fire burns a couple of kitchen cupboards. Although your Homeowners policy will cover such partial losses, the extent to which the insurance company must go to make everything look just the way you'd like can be tricky.

Let's say that the new siding contrasts with the older, weathered shingles or that you can't find replacement kitchen cupboards that precisely match the originally. Your claim should put you back to pre-loss condition so the new part shouldn't stick out like a sore thumb. For example, this might mean replacing the entire floor of a room even if only a portion needs repair, or repainting all four walls after damage to only one. In some states, if replaced items don't match in quality, color or size, the insurance company must make "reasonable repairs or replacement of items in adjoining areas." Although other states don't have laws on matching, some Homeowners insurers have added similar "non-matching language" to their policies. Besides varying by state, insurer, and policy, the issue of patching versus full replacement can depends on insurance company adjusters. If you can't get make any headway with the adjuster on the repairs you want, consider going over his or her head to a supervisor, or file a complaint with the state insurance department. Another option is to hire a public insurance adjuster to work on your behalf through the claims process. These professionals usually charge about 10% of the final settlement.

10 Costly Return-To-Work Mistakes

Author TonyScurich , 4/15/2016
4 By decreasing work time lost from to job-related injuries and illnesses, Return-to-Work (RTW) programs can reduce your insurance costs (Workers Compensation, Disability, and Medical insurance), strengthen workplace morale, boost productivity - and help protect you against ADAAA litigation. Here are ten common mistakes by businesses when using RTW:
  1. Failure to manage the higher number of employees covered by the ADAAA. An expanded definition of disability has increased the number of employees under the ADA to the point that some attorneys advise against fighting disability claims.
  2. Insisting on employee release to "full duty" before returning to work. This raises Workers Comp costs and the possibility of the employee not returning to work when medically possible.
  3. Ignoring co-morbidities. Health issues that complicate or delay an employee's recovery (such as diabetes, obesity, and hypertension) can increase Comp claims.
  4. Failure to commit the necessary budget or resources. The costs of absences and non-compliance with government rules is usually far higher than that of implementing an RTW.
  5. Reluctance to set transitional assignments because employees "might get reinjured." It's even riskier to have them stay at home and develop a "disability attitude" that extends the absence and boosts costs.
  6. Failure to distinguish "light duty" from "transitional work." The ADAAA permits employers to reserve less physically demanding or "light-duty" jobs for those with work-related disabilities - and these jobs should be distinct from transitional tasks.
  7. Relying on physicians to guide the RTW process. Although physicians are medical experts, they're not familiar with workplace policies, job demands, and the availability of transitional work.
  8. Failure to understand overlapping and conflicting laws. The clashing requirements of insurance companies and state and local governments can be a nightmare.
  9. Inability to focus on the goal. An Integrated Benefits Institute study ranked a focus on the employee's job as the major success factor in successful RTW programs.
  10. Believing that Workers Comp settlements resolve other liabilities. One size does not fit all.
 

Risk Management: A Department Of One

Author TonyScurich , 3/11/2016
2

If you're "it" when it comes to risk management for your business, there's a lot of responsibility on your shoulders. How do you determine the best place to start, given limited time and money, to keep your workers safe and keep your company in compliance? Where should you focus? How do you make sure that you stay on top of everything?

There are several important steps you can take to have a world-class safety program, even without many people on your team:

  1. Determine the managerial perspective on risk management. This is the single most important thing to do because it will set the tone for your ability to drive the risk management initiatives of your company. Do everything you can to make this attitude proactive, rather than reactive.
  2. Analyze the current state of safety in the business. An initial SWOT analysis (Strengths, Weaknesses, Opportunities, and Threats) will prove invaluable for planning risk management.
  3. Review the mission statement and overall goals of the organization to help align the safety process. The results will determine the direction to go; whether it's compliance, the creation of a safety management system, or some combination of the two. To take the program to another level, take a careful look at how you need to integrate safety into the process.
  4. Understand the OSHA standards that apply to your business - and make sure that everyone in the organization is familiar with the basics of these regulations.
  5. Evaluate your safety plan from a business perspective. Develop a budget that measures your financial return on investment.

We're always ready to help - just give us a call.


Auto Liability Insurance: How Much Is Enough?

Author TonyScurich , 3/7/2016
3

Have you ever wondered about the three numbers that are part of your Auto Liability insurance, usually written in this form: XX/YY/ZZ?

The first number refers to the maximum amount of Bodily Injury Liability (BI) for an individual injured in an auto accident; the second is BI per coverage per accident; while the third covers Property Damage Liability (PD) per vehicle. For example a policy with 30/60/15 Liability coverage would pay up to $30,000 in BI per individual, $60,000 worth of BI per vehicle, and $15,000 in PD per vehicle.

Every state requires drivers to carry a minimum amount of Liability coverage under their Auto policy. Limits by state vary from 10/20/10 in Florida to 80/100/25 in Maine. These numbers have remained fairly stable for a number of years.

However, because a car accident can cost far more than the Liability minimums that most states require, people usually carry more coverage. The Insurance Information Institute recommends that you have at least $100,000 of BI protection per person and $300,000 per accident (known as 100/300).

If you hold the minimum coverage required by your state and you're involved in an accident in another state that requires higher minimum coverage, the chances are that your policy limits will increase automatically to meet the other state's minimum requirements.

We'd be happy to make sure that this feature applies under your Auto insurance - and to discuss the most cost-effective ways of protect yourself and your family from liability for accidents behind the wheel (such as increasing your Liability coverage or choosing higher deductibles).

For a complimentary review of your policy, just give us a call.


Your Job Can Save You Money On Auto Insurance!

Author TonyScurich , 3/4/2016
4Engineers, firefighters, lawyers, teachers, and police officers all have one thing in common: they qualify for Auto insurance discounts with some insurers who have found that people in certain fields tend to be less risky drivers than those in other occupations.

A number of insurance companies offer discounts to those in a variety of professions - everything from architects, CPAs, and college professors through librarians, military personnel, and pilots, to physicians, registered nurses, and scientists.

Here's why: although practicing architecture or flying a plane doesn't necessarily make a driver more responsible, insurance underwriters don't have to prove cause and effect when setting rates. They need only show a relationship between these rating factors and risk.

A variety of factors can come into play in determining discounts. One Auto insurance company offers up to a 5 % discount to first responders, such as firefighters, police officers, emergency medical technicians and paramedics. Because these people tend to work in the communities where they live, they probably don't commute long distances. First responders might speed down the road in emergencies, but not in their own vehicles, and they tend not to work from 9 to 5 - which means that they're at lower risk for accidents.

Discounts vary by occupation, insurance company, and state. Some companies offer discounts for a long list of occupations and professions, while others provide them to only a few, or none at all. Some jobs receive larger discounts than others.

Rules for discounts also vary by field. To qualify for one company's discount, health care providers must have a license to practice, as well as a degree. However, policyholders who have earned at least a bachelor in engineering, math, or science qualify for an 18% discount, even if they work in other fields.

Your occupation or profession might well entitle you to a substantial discount on your Auto insurance - even if you're retired. For more information, please get in touch with us.


Home Repairs: 'Like It Never Even Happened'

Author TonyScurich , 1/1/2016
3

A pipe bursts and water ruins a corner of your Brazilian cherry wood floor. A windstorm tears off half of the vinyl shingles on one side of the house. A fire burns a couple of kitchen cupboards. Although your Homeowners policy will cover such partial losses, the extent to which the insurance company must go to make everything look just the way you'd like can be tricky.

Let's say that the new siding contrasts with the older, weathered shingles or that you can't find replacement kitchen cupboards that precisely match the originally. Your claim should put you back to pre-loss condition so the new part shouldn't stick out like a sore thumb. For example, this might mean replacing the entire floor of a room even if only a portion needs repair, or repainting all four walls after damage to only one. In some states, if replaced items don't match in quality, color or size, the insurance company must make "reasonable repairs or replacement of items in adjoining areas." Although other states don't have laws on matching, some Homeowners insurers have added similar "non-matching language" to their policies. Besides varying by state, insurer, and policy, the issue of patching versus full replacement can depends on insurance company adjusters. If you can't get make any headway with the adjuster on the repairs you want, consider going over his or her head to a supervisor, or file a complaint with the state insurance department. Another option is to hire a public insurance adjuster to work on your behalf through the claims process. These professionals usually charge about 10% of the final settlement.

You Need to "Call Before You Dig"

Author TonyScurich , 7/20/2015

Person digging in backyard

What is 811?

Are you a homeowner or contractor? Did you know that you are required to call the number ‘811’ before digging on any property so that you can be made aware of any underground lines (e.g. pipes, cables and associated utilities) buried in the area? Improper digging can lead to damage to underground lines that can disrupt service to an entire neighborhood, harm diggers or excavators, and even incur potential fines and repair costs.

In case you did not know, 811 is the national "Call Before You Dig" phone number designated by the Federal Communications Commission. This number was developed to eliminate the confusion of multiple "Call Before You Dig" numbers because it is easy to use, is the same for every state, and can help protect anyone who does dig from injury, expense and potential penalties.

What Happens After Calling 811?

All 811 calls are routed to a local One Call Center and the affected utilities. The utility will then send crews to the location to mark any underground lines for the homeowner or excavator for free.

Do Most People Call Before They Dig?

Believe it or not, in spite of all the potential danger and damage that can be caused, the answer is "no." According to a recent national survey, 45 percent of American homeowners who plan to dig this year said that they would not call 811 beforehand.*

More Information

For more information about the 811 call system, visit http://www.call811.com. To download the most current industry Best Practices in connection with preventing damage to underground facilities, go to http://commongroundalliance.com/.


    • 1
    • 2