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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 winter - winter

Schedule A Risk Reveiw Today

Author TonyScurich , 1/20/2016
2Can you believe that winter is here already? Time flies. Always has, always will. However, as risk managers, we think that you should slow down for a moment and ask yourself if your risk-protection program has kept pace with the changing times.

Just as your business needs might have changed significantly since your last review, so have the methods of protecting you from risk of loss. New policies have been created, new techniques in risk management developed, and new exposures arisen.

Consider these questions:

    • Is your current risk protection program as up-to-date as it needs to be to meet your business needs today?
    • What if your business were unable to operate due to extensive damage?
    • How much income would you lose during the time it takes to open the doors again?
    • Or would your choice be to reopen as quickly as possible at another location? Bear in mind that the "hurry up" expense of making the move, installing the necessary equipment, and notifying your clients would prove a painful unplanned burden.

Let's schedule a time for a review. Our professional staff stands ready to work with you. Regardless of your firm's situation, it's important to get a comprehensive risk review of your business as it is today, not as it was years ago.

Call us. We're here to help.


Winter Driving Tips

Author TonyScurich , 12/14/2015
aquaplaning-83008_1280Any travel during winter months is risky. Storms come out of nowhere, roads become icy quickly and inexperienced drivers take unwise risks. Be prepared to stay safe on the road thanks to eight winter driving tips. 1. Check the forecast. In less than a minute, you can find out if you'll be driving in fog, snow or ice. You can also discover which roads are blocked and if you need to find an alternative route to your destination. 2. Slow down. In snowy conditions, cut your speed in half to ensure you have adequate stopping distance. Don't go so slow, though, that you lose momentum on grades. 3. Know skid recovery. Braking on slippery roads can cause your vehicle to slide instead of stop. If this happens, you need to know how to recover. Stay off the brake and steer your vehicle the way you want it to go. 4. Stay smooth at the controls. Pounding on the brake, shifting hard and even clenching the steering wheel make winter driving harder than it has to be. Instead, use smooth motions and relax as you drive. 5. Check your tires. Proper tire inflation and tread improve your vehicle's traction and ability to stay on the wet or icy roads. Check the inflation of your snow tires frequently since cold weather decreases tire pressure, and make sure the tread is at least 1/8-inch. Carry snow chains, too, if necessary. 6. Know your vehicle. Every car and truck handles differently. Before heading out in winter weather, make sure you know how your vehicle handles. Know where the windshield wipers, defrost button and four-ways are, too. 7. Pack survival supplies. If you're stranded or in an accident, you need a few supplies. Definitely store a snow shovel, sand or litter and lock de-icer in your vehicle. Consider packing a portable power source, flashlight, waterproof matches, tow rope, first aid kit, energy bars and blanket also. If you do get stranded, wait for help to arrive. 8. Stay hydrated. Dehydration can make you drowsy and reduce alertness. Drink water before you head out and carry a bottle or two with you so that you can stay alert. Winter driving can be dangerous, but follow these eight tips to stay safe. Remember to check in with your auto insurance agent, too. Update your policy as you prepare for whatever winter throws at you on the road.

Ways to help prevent home theft

Author TonyScurich , 6/2/2015
Burglars will not find your home an "easy mark" if they are forced to work in the light, if they have to take a lot of time breaking in, or if they cannot break in without making a lot of noise. Research shows that if it takes more than four or five minutes to break into a home, the burglar will go elsewhere. Most insurance companies provide 2 percent to 15 percent discounts for devices that make a home safer—dead-bolt locks, window grates, bars and smoke/fire/burglar alarms. However, when improving the security of your home, do not exchange security for personal safety. Do not make your home such a fortress that you are unable to escape in case of a fire or other emergency. Check your Home for Weaknesses and Correct Them
  • Take the time to "case" your house or apartment, just as a burglar would. Where is the easiest entry? How can you make it more burglar-resistant?
  • Trim trees and shrubs near doors and windows, and think carefully before installing a high, wooden fence around your back yard. High fences and shrubbery can add to your privacy, but can also be an asset to a burglar. Consider trading a little extra privacy for a bit of added security.
  • Force any would-be burglar to confront a real enemy—light. Exterior lights and motion detectors, mounted out of easy reach, can reduce the darkness a burglar finds comforting.
  • Simple security devices—nails, screws, padlocks, door and window locks, grates, bars and bolts—can increase the amount of time it takes to break into your home.
  • Invest in a burglar alarm. The most effective ones also ring at an outside service.
Are any of your valuables—paintings, a silver collection or a computer—easy to see from outside the house? Rearranging your furnishings might be advisable if it makes your home less inviting to criminals. Simple Security Steps Doors Make sure you have strong doors. Outside doors should be metal or solid hardwood, and at least 1 3/4 inches thick. Frames must be made of equally strong material, and each door must fit its frame securely. Even the most efficient lock, if it is placed in a weak door, will not keep out a determined burglar.A peephole or a wide-angle viewer in the door is safer for identifying visitors than a door chain.Sliding glass doors present a special problem because they are easy to open, but if you have these doors, you can find special locks for them. A broomstick in the door channel can also help, but cannot be depended on.LocksDeadbolt locks are best. They usually are locked with a key from the outside and a thumb turn on the inside. The cylinder (where the key is inserted) should be pick-resistant. Ask your hardware dealer for a reputable brand or buy your locks from a locksmith.WindowsKey locks are available for all types of windows. Double-hung windows can be secured simply by "pinning" the upper and lower frames together with a nail, which can be removed from the inside.For windows at street level or on fire escapes, consider installing metal accordion gates.Home Security HabitsEstablish a routine to make certain that doors and windows are locked and alarm systems are turned on. Avoid giving information to unidentified telephone callers and announcing your personal plans in want ads or public notices (such as giving your address when advertising items for sale). Notify the police if you see suspicious strangers in your area. Do not carry house keys on a key ring bearing your home address or leave house keys with your car in a commercial parking lot or with an attendant. Do not hide your keys in "secret" places outside your home—burglars usually know where to look. Vacation TipsLeave blinds open in their usual position. Have mail and packages picked up, forwarded or held by the post office. Lower the sound of your telephone ringer and answering machine so they cannot be heard outside. Arrange to have your lawn mowed in summer and your walk and driveway shoveled in winter. Stop newspaper deliveries. Ask a friend to pick-up "throw-away" newspapers and circulars. Use automatic timers to turn lights on and off in various parts of the house at appropriate times. Consider connecting a radio to a timer. Tell police and dependable neighbors when you plan to be away and join with your neighbors to keep a close watch on what's happening in your area. Working closely with them is a good way to prevent crime.

4 Spring Cleaning Tips That Protect Your House

Author TonyScurich , 3/13/2015
spring cleaningSpring cleaning does more than remove dirt and grime left over from winter. It also protects your house and reduces maintenance costs. So, try four spring cleaning tips this season as you cleanse your home. 

1. Wash walls, windows and baseboards.

Often overlooked during weekly cleaning, the walls, windows and baseboards of your home harbor plenty of dirt and dust. Wash them at least once a year to ensure they look nice and to protect their finish. 

*Move the furniture away from the walls, and wipe down the walls with a slightly damp cloth or magic eraser. 
*The baseboards are also easy to wash off with a damp cloth. A toothbrush reaches into all the crevices. 
*Use vinegar on the windows instead of glass cleaner to cut through accumulated dirt and prevent streaks. 

2. Scrub the carpet.

Accumulated dirt, pet dander and odors can quickly ruin your carpets. Instead of merely running the vacuum each week, deep clean the carpets at least once a year. You can easily rent a carpet cleaner and do the job yourself or hire a professional cleaner as you prolong the life of your floors. 

3. Care for furniture.

Modern or antique, your furniture will last longer when it's free from dirt. Take time this spring to wipe off each piece from top to bottom. Use a soft cloth on wood to prevent scratches, and remember to spot treat dirty upholstery, flip the cushions and repair any tears or holes in the fabric.

4. Reduce clutter.

In addition to attracting pests and rodents, clutter reduces your ability to exit your home in an emergency. Commit to tossing or donating clutter like piles of books, excess furniture or anything you haven't used in six months. Your home will thank you.

With these four spring cleaning tips, you're able to reduce maintenance costs over time. So, look forward to protecting your home this season.

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

What are you doing with your kids during winter break?

Author TonyScurich , 12/27/2013
YScurich Insurance Services, CA, Winter breakour kids are off for winter break, however you're not.  What are you going to do with the kiddos? What about taking them to the Winter Break Day Camp at Ramsay Park? The Ramsay Park Family Center is operating the day camp at Ramsay Park.  Children from 5-12 years old are welcome to attend, and we will have a ton of fun filled activities! We are open from 7:45 a.m.-6:00 p.m. January 6th-10th. You only need 3 days from 12:00-4:00?  We can do that too!  We also offer a variety of enrollment options to suit  your specific needs for child's daycare. Call PCS at 768-3240 today to find out more information. Content provided by Transformer Marketing.