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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 vehicles - vehicles

Construction Site Traffic Management Checklists: Safety Pays!

Author TonyScurich , 10/26/2016
  Accidents involving vehicles or mobile equipment (excavators, dumpers, etc.) on building sites kill more than a dozen workers a year and injure hundreds more. To help make sure that your workers and outsiders can move around your job sites safely,and keep your insurance premiums down, experts recommend using this checklist: Keep pedestrians and vehicles apart:
  • have separate entry and exit gateways for pedestrians and vehicles
  • provide safe pedestrian walkways that take a direct route where possible
  • make sure drivers with access to public roads can see both ways
  • don’t block walkways or vehicle routes
  • install barrier between roads and walks
Minimize vehicle movements:
  • provide offsite parking
  • control entry to the site
  • have storage areas so that delivery vehicles don’t have to cross the site
Control people on site:
  • recruit drivers and equipment operators carefully
  • make sure that drivers, operators, and those who direct traffic are trained
  • manage the activities of visiting drivers
Maximize visibility:
  • provide mirrors, CCTV cameras or reversing alarms
  • designate signalers to control maneuvers by drivers or equipment operators
  • install lighting for use after sunset or in bad weather
  • make sure that all pedestrians on the site wear high-visibility clothing
Provide safety signage and instructions:
  • ensure that all drivers and workers know and understand the routes and traffic rules on the site
  • use standard traffic signs where appropriate
  • provide safety instructions to all visitors in advance
For a comprehensive – and free– review of vehicle and mobile vehicle safety practices on your job sites, just give us a call. We’re here to help at any time.  

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.

 

NIOSH Offers Tips On Preventing Work-Related Highway Crashes

Author TonyScurich , 8/26/2016
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Employment-related accidents behind the wheel are the leading cause of death from traumatic injuries in the workplace, killing some 2,200 people a year and accounting for 22% of job-related fatalities. Deaths and injuries from these accidents increase costs and reduce productivity for employers - while bringing pain and suffering to family, friends, and coworkers.

Preventing work-related roadway crashes poses a significant risk management challenge. The roadway is a unique work environment. Compared with other work settings, employers have little ability to control conditions and exert direct supervision over their drivers. The volume of traffic and road construction continue to increase, while workers feel pressured to drive faster for longer periods, and often use mobile electronic devices that distract them behind the wheel.

To help reduce this risk, for both long-distance truck drivers and employees who occasionally use personal vehicles for company business, the National Institute for Occupational Safety and Health (NIOSH) recommends that employers follow these precautions:

  • Require drivers and passengers to use seat belts.
  • Ensure that employees who drive on the job have valid licenses.
  • Incorporate road fatigue management in safety programs.
  • Provide fleet vehicles with top quality crash protection.
  • Make sure employees receive training to operate specialized vehicles.
  • Offer periodic vision screening and physicals for employees whose primary job is driving.
  • Avoid requiring workers to drive irregular or extended hours.
  • Prohibit cell phone use and other distracting activities such as eating, drinking, or adjusting non-critical vehicle controls while driving.
  • Set schedules that allow drivers to obey speed limits.
  • Follow state laws on graduated driver's licensing and child labor.

For more information about how to prevent work-related driving deaths and injuries, just give one of our Risk Management experts a call at any time.


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.


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.  

Specialty Item Coverage: What items are not covered under homeowners insurance

Author TonyScurich , 2/5/2015
When you purchase homeowners insurance, you probably think that all the items in your home and on your property are afforded the same type of coverage. While this is true of most things that can be classified as everyday items, some of your other possessions might not fall into that category. In some cases, they might be insured but not enough to allow you to fully recoup your loss. In other cases, though, your items might not be covered at all. Vehicles of All Types Antique vehicles and other vehicles that you drive only occasionally might be covered under certain conditions on your homeowners insurance. Without specialty insurance, though, you will not recover their replacement value. ATVs, motorcycles and other recreation vehicles also need their own specialty insurance so that you can recover all of the money that they are worth. Flood Insurance Another item that people assume is covered under their homeowners insurance is flooding. In nearly all cases, though, flooding is not typically covered unless you have this particular specialty item as part of your regular coverage. Collectibles If you collect stamps, fine art or another collection of value, you might think that these items are covered under your homeowners insurance. Without specialty item coverage, however, that specifically denotes which items are being covered, you could find out too late that they are not. For collections that have a significant value, you will likely need to have them appraised by someone trained in the field to be sure that you purchased enough insurance to replace their value. Talk to your insurance agent to determine if you own an item or collection that needs specialty insurance. Doing so could save you a great deal of heartbreak in the event of a loss.

Artisan contractors insurance

Author TonyScurich , 3/10/2014
Scurich Insurance Services, CA, Contractor's insurancePlumbers, electricians, carpenters, tree surgeons and roofers who perform skilled work on a customer's premises are just a few examples of artisan contractors. These workers are also called casual contractors. Piano tuners, interior decorators, exterminators and other skilled service providers are also considered artisan contractors. These contractors require special insurance for their tools and equipment, which are commonly moved from one site to another until each job is finished. The most affordable and efficient way for an artisan contractor to get liability and property coverage is to obtain a Business Owners Policy that is tailored to fit individual needs. Although they might be marketed under varying names, such policies usually have similar terms. Property owned by the business and real property are covered by the BOP. The property must be located at the address of the business described in the policy. Businesses that lease or rent their locations have coverage from the BOP for tenants' betterments and improvements. These include any installations, additions or alterations that cannot legally be taken away from the premises. Equipment that moves from one site to another and valuable machinery are items that pose the greatest risk for a significant loss. Such items are not covered under a standard property insurance policy. These items are classified as movable property, which means special contracts are required to obtain insurance. These special contracts are called floaters. Various types of equipment and machinery are covered during transit with an installer's floater. They're also covered during testing. In some cases, building materials might also be covered. Policies may be written to include coverage on a reporting form or for a single job. This means that the contractor provides information to the insurer regarding each new contract. Tools and equipment floaters provide coverage for the property that is insured. Coverage is extended to any location where the movable property is used. Liability coverage is essential for all contractors. If a customer files a lawsuit, this type of coverage will certainly be required to protect the contractor. Subcontractors' customers might require individuals who work for them to have Owners and Contractors Protective Liability insurance. This type of coverage provides protection for business owners from liabilities resulting from negligent acts committed by contractors or subcontractors. It's best to speak with one of our agents to learn how this type of coverage works. There might also be coverage for certain vehicles. Speak with us to learn what types of coverage are available for vehicles that are used primarily for business. Content provided by Transformer Marketing.

Why you need to review your commercial insurance

Author TonyScurich , 12/30/2013
Scurich Insurance Services, CA, Business InsuranceCommercial insurance is a must-have for every business.  Some businesses have specialty needs for additional commercial insurance that are not covered under the standard policy. Maybe you have had some changes in your business.  You have recently purchased delivery vehicles, you have expanded your business and purchased more property.  There are any number of possible changes that have occurred to your business that would require an analysis of your commercial insurance policies. Your cash flow has changed You have two forms of payment for your insurance, a regular monthly payment and a deductible that you will need to cover for damages and/or injuries before your provider will start to cover anymore.  The monthly payment you can factor into your standard business finances.  You will need to be diligent in planning for the unknown. The more cash you have readily available, you should think about increasing your deductible.  Higher deductibles will decrease your monthly premiums, and you will be able to save money.  Make sure the deductible will be affordable, just in case. Lower your deductible so that you can pay as needed if you are short on cash.  Contact our office so that we can shop around for the best deal possible and discuss bundling options. Congratulations!  Your business is thriving! Your business has increased since the last time you sat down with your agent.  You’ve hired more people, added a delivery service and more!  That means that your insurance will need to change also. Start with your workers compensation and disability insurance policies. Make sure that your employees are covered, and your policies are up to date. You’ve added a fleet!  You will need to get your vehicles insured under a commercial auto policy. You are remodeling or moving Commercial property insurance comprises an important part of your overall insurance needs.  If you are expanding or moving, you will need to contact our office to do a review of your new /improved digs and the policies.  Please remember that any changes you make, will affect your coverage and costs. Content provided by Transformer Marketing.