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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

Homeowners: Deductible Review

Author TonyScurich , 2/5/2015
The beginning of the new year is a good time to take stock of your financial situation. One of the best ways to put yourself on firm ground financially is to look over your homeowners insurance. While this insurance is mandatory when it comes to bank-financed mortgages, there is often much you can do to reduce your premiums. Complete a Yearly Deductible Review It is a good idea to get into the habit of looking over your homeowners insurance deductibles every year. If you are like many people, you probably have not thought about your deductibles since you first purchased your policy. Low deductibles that seemed like a good idea when you bought your first home could be costing you money now. Purchasing a home is a big financial step that can leave you with little disposable income in the event of an emergency. It can make more sense to lower your deductible for your homeowners insurance at that point. As you begin to feel more secure in knowing just how much money home maintenance and other necessities take of your paycheck, you can add to your emergency fund. Raising the deductibles of your homeowners insurance can help you balance out the premiums you pay. With a suitable emergency fund, for example, that is equipped to cover those emergencies like the deductible for a replacement roof caused by a storm, you can enjoy savings all year round. Talk to Your Insurance Adjuster For the best results, it is a good idea to make an appointment with your insurance company to sit down and go over your insurance policy. A few adjustments for your deductibles could save you hundreds of dollars each year.

Personal Cybercrime Risks

Author TonyScurich , 2/5/2015
Breaches in some worldwide retailers could have you wondering if your personal information is safe. After all, those huge conglomerates that have been targeted recently, such as Zappos and Target, have millions of dollars at stake so why would a cyber-criminal want to target a single person? The answer might surprise you. Valuable Personal Information Identity theft is a big business in this day and age of inter-connectivity. Whether a cyber crook is a small-time player and simply looking to have a good time with your credit card or they are part of a larger ring that sells the information they obtain, personally identifiable information such as your birth date, current and former addresses and social security number are all valuable to them. With just a few bits of information, these criminals can easily steal your identity, making your life a nightmare for many months or even years. Email Addresses Sell Even if a cyber-criminal is not able to get enough information to assume your identity, they can still steal your email address and sell it. Email addresses are valuable to legitimate businesses and criminals alike. They can easily be sold for a nominal amount that quickly adds up for those crooks who are adept at breaching security parameters. Fraudulent Credit Card Activity If you are like many people, you assume that retailers that have an online presence are safe to share your credit card information. While huge businesses such as Target have invested millions of dollars into their cyber security systems, it is still possible for them to be infiltrated. You should always see a lock in the address bar of any website that you are inputting sensitive information. Even with this assurance, though, you need to keep a close eye on your credit card statements each month.    

Tips to Prevent Workplace Injuries

Author TonyScurich , 2/5/2015
According to the California Occupational Safety and Health Act of 1973, every employer in the state is legally obligated to provide a safe workplace that is free of hazards. As part of that regulation, each employer is also required to have an Injury and Illness Prevention program. The following are practical tips that can be implemented to help reach the above goals. Use Personal Protective Equipment Depending on the job, there are different types of personal protective equipment that are a necessity to keep employees safe. Goggles are a must in any workplace environment that involves dust, chemicals or other objects that could injure the eyes. In workplaces where heavy objects could fall on the heads of employees, hard hats must be provided. Steel-toe shoes are also mandatory if the environment includes hazardous and heavy materials that could injure the feet. It should be noted that simply making the equipment available is not enough. Employees must be properly trained on its use and must not be cleared for work in areas where such equipment is needed until they are fully trained. Keep the Workplace Tidy Clutter and debris can seem like the norm for a workplace but they can increase the chances of an accident. Employers need to ensure that there are an adequate amount of space to store items neatly. Spills should be cleaned up immediately to help prevent falls or reported to the right person so that they are taken care of as soon as possible. Ensure Company Vehicles are in Good Working Order Many people are injured while driving company vehicles each year. Each month, a visual inspection, as well as one that test the working order of items such as turn signals, should be completed. If repairs are needed, they should be taken care of as soon as possible.

Top 5 Causes of Workplace Injuries

Author TonyScurich , 2/5/2015
Although the incidents of workplace injuries have continued to drop for most of the past 11 years, the Bureau of Labor Statistics reported than over three million people were injured on the job in 2013. These figures encompassed people employed by private employers. According to figures obtained in 2012, five of the most common reasons for workplace injuries accounted for more than 65 percent of the costs.
  • With 25 percent of the 59.58 billion dollars that was spent on workplace injuries in 2012, overexertion was the number one cause. These types of injuries were most often the result of holding, carrying, throwing, pushing, lifting and pulling.
  • Falls accounted for 9.19 billion dollars -- or more than 15 percent -- of the costs of workplace injuries. This category includes only those falls that occurred on one level as opposed to falls from a different height.
  • Being struck by equipment of some sort or an object accounted for 8.9 percent of the cost burden worth more than $5 billion in costs.
  • The fourth most prevalent cause of workplace injuries was due to falls from a height. With this category encompassing 8.2 percent of the cases reported, the monetary cost was $5.12 billion.
  • Overexertion injuries that were not in the first category round out the top five most common causes of workplace injuries. Some examples of the injuries that could fall under this classification include those caused by stepping, crawling, bending, kneeling, twisting, reaching, walking, reaching, standing or sitting. They accounted for 7.2 percent of the total injuries with a cost of $4.27 billion.
Another 18.4 percent of the costs associated with workplace injuries fell into five other categories. These include injuries caused by road vehicles, slips and trips without falling, being compressed between or by equipment or objects and repetitive movements.

How to Deal With Visitor Injury in the Workplace

Author TonyScurich , 2/4/2015
visitoraccidentMost states demand that businesses, regardless of size, take every reasonable action to keep their premises safe for employees and visitors. The definition of visitors is fairly loose. Basically, it is anyone not employed by the business and covered by its workmen's compensation insurance policy. 

This means that clients, customers, delivery persons, repair persons, outside maintenance contractors and anyone who comes to the business premises needs protection from foreseeable dangers. 

There are different types of people who come into a business and each has a different level of required care for its class of visitors. 

Invitee 

This is a person whose invitation is explicit (by appointment, for example) or implicit (a customer looks at the goods and services for sale in a shop). A business owner's duty to an invitee is to exercise ordinary care and make the property generally safe without any dangerous conditions. 

Licensee 

A licensee in not an invitee or trespasser. An example of a licensee is a party who enters the premises for their own convenience or gratification. Think of a person ducking into your entryway to avoid the rain. The duty of care is far less than for an invitee, and the business is only liable to a licensee for willful and malicious harm. 

Trespasser 

This group of people enter the premises lacking an implicit or explicit invitation. They come on the business property for their own enjoyment or benefit. The only duty of a business owner is a negative one - the business cannot build any mantraps the willfully and maliciously causes a trespasser harm. Many states have an exception to this limited responsibility; if the business anticipates, suspects or knows of the presence of a trespasser it must exercise ordinary care and avoid inflicting injury on a trespasser through any kind of active negligence. 

Common Workplace Visitor's Injuries 

Slip and Fall Accidents 

These are the largest cause of visitor injuries. Injuries happen when a visitor trips, slips or falls and suffer injuries. These accidents often stem from things such as uneven floorboards, electrical extension cords crossing aisles or doorways, spills or liquids on the floor, and poorly installed carpet or carpeting that has tears or rips. 

Negligent Security 

It is normal that businesses have a duty to their invitees to make sure they are safe from foreseeable. A business is liable for the criminal acts of a non-employee when the business fails to keep the premises safe from criminal activity. Usually claims of negligent security stem from places such as: 

  • Hotels
  • Motels
  • Parking garages
  • Apartment complexes
Businesses in high-crime areas (a parking garage in such an area needs adequate lighting, video cameras and warning signs that video surveillance is ongoing, and other security measure as needed. 

Attractive Nuisance 

This is a legal doctrine that applied mostly to children, even if they are trespassers. Hotels with outdoor pools need adequate fencing, a pool cover, locks and lighting, as the pool is attractive for kids to try to use after trespassing. 

Defective Property Conditions 

Businesses are often liable for dangerous or defective conditions. These include faulty elevators, faulty escalators, crumbling stairways and more. 

Speak with your business insurance advisor about these risks and how to protect yourself, your business and employees from legal liability for them.

THE EMPLOYEE ENGAGEMENT REVIEW: HOW DO YOUR WORKERS FEEL ABOUT WORK?

Author TonyScurich , 2/2/2015

people-workingCompanies usually use some type of employee performance evaluation to assess successes and gaps in performance and convey these assessments to employees. Although this might be helpful, it's not enough. If you want your employees to be more engaged and productive, you need to understand their intrinsic motivations.

To do this, consider adding these questions to the employee performance review conversation. (Notice that we use the word "feel" a lot because it's the employee's emotions that should concern you.):

  • How do you feel about your job?
  • How do you feel about the direction of the company?
  • Do you feel that you have improved your skills over the last year?
  • To what extent do you feel that you have grown as a person while working for us during the past year?
  • What do you feel is the most valuable thing you do at work?
  • Where do feel you can add more value to the company?
  • Out of curiosity, have you looked at other job opportunities or are you completely satisfied here? If not, what would it take to satisfy you?
  • Do you feel you're being paid fairly? If not, what do you feel you should get paid and what do you base that on?
  • Do you feel we have exhibited a management style that's caring and supportive? If not, how can we do a better job of this?
  • Is there anything that we haven't spoken about that feels unfair to you and might get in the way of our working relationship or your success at this company?
  • Is there anything else you would like to share that we haven't talked about?

These are brave questions to ask because most managers really don't want to dive into the emotional landscape – which is a big mistake. As Daniel Goldman reminds us in Emotional Intelligence, it's your E.Q., not your I.Q., that's most important to becoming a great leader or manager.

Consider having this conversation outside of your office where it might feel safer for the employee. For example, "Now that we've discussed your performance I like to have a little deeper conversation about your work here and I don't want to do it in the office. Where would you like to go talk about this? "

You don't have to buy this idea wholesale. Test it out. Play social scientist and begin with just one employee. Let him or her know that you're opening up to a more meaningful conversation; and that because you've never tried this before it will be a learning experience for both of you!


Five Tips for Taking a Life Insurance Health Exam

Author TonyScurich , 1/30/2015
appleSome type of health exam is a requirement before you can take out many life insurance policies. The result of this exam can have a significant impact on your rates, and even on whether you qualify for a particular policy at all. Following these simple tips can help ensure that your health exam goes smoothly.

# 1: Eat a Healthy Diet

As soon as you know you are going to be taking the exam, start doing your best to eat a healthy diet. Many people feel that if their diet has been less than perfect in the past, there is no point in improving it before a health exam -- but nothing could be further from the truth! In particular, try to minimize or eliminate your intake of fried, salty or sugary foods, as well as sodas and alcoholic beverages. Instead, eat a balanced, nutritious diet containing plenty of fresh fruits and vegetables, complex carbs and lean proteins.

# 2: Stop Smoking

Never smoking at all, or at least stopping permanently, is of course the best course of action for your long-term health. However, if you do smoke, you can improve your exam results simply by not smoking for at least 24 hours prior to the exam; this will help improve your blood work, blood pressure and heart rate.

# 3: Cut Back on Physical Exertion

Normally, of course, physical exercise is very good for your health. However, for two to three days before the exam, avoid hard physical work and exercise. Such exertion can elevate the protein in your urine and be erroneously flagged as a kidney issue.

# 4: Rest

Go to bed early the night before your exam. Fatigue can negatively impact certain components in your blood, giving the appearance of a chronic health problem you do not actually have.

# 5: Avoid Caffeinated Beverages and Stimulants

Finally, avoid caffeine as much as possible during the days leading up to the exam. Caffeine can elevate your heart rate and blood pressure, negatively impacting the results of your exam.

Considering Discretionary Payroll Expense Endorsement on Your Business Insurance

Author TonyScurich , 1/16/2015
Scurich Insurance Services, CA, Employment BiasBusiness insurance is a necessary step in ensuring that your company is compliant with any applicable laws. While many of those laws are designed to protect the public, your insurance is also designed to protect your business -- and by extension -- yourself as well. After all, if you are like most business owners, you put a great deal of yourself as well as your own financial backing into ensuring that your business is a success. While no one likes to think about it, the fact is that catastrophic events sometimes befall businesses. Indeed, many types of insurance are designed to minimize the effects of these types of events on the business to help ensure that it can emerge from it relatively unscathed. One such type of insurance is involves including a discretionary payroll expense endorsement on the policy. As you look toward the new year, now is the time to decide if an endorsement for discretionary payroll expense is a good move for your business. While you are probably like most businesses and you want to make sure that your employees are paid first, there are some times when this is does not make good business sense. It is for times such as these that this type of endorsement was designed. If your business income is interrupted -- either due to a crisis or another reason -- a discretionary payroll expense endorsement allows you to pay those employees that are deemed necessary. Similarly, you can specify which classes of employees should not be paid under a particular set of circumstances. Doing so can help you protect your bottom line as your business begins to recover.

Top 3 Insurance New Year Resolutions

Author TonyScurich , 1/9/2015
Comfort ZoneWith the new year comes the tendency to make resolutions that are designed to help a person address what they perceive to be as their own shortcomings. While resolutions such as "exercise more" and "lose weight" are often at the top of the list, these types of resolutions often fall by the wayside all too soon after the first of the year. The following insurance resolutions for the new year are simple to implement and can have long lasting effects. 1. Purchase Life Insurance This is a resolution that should be on everyone's list but it does not always seem to make it to fruition. Make 2015 the year you talk to your insurance agent and find the ideal life insurance plan for your circumstances and your budget. You'll rest easier at night knowing that your loved ones are taken care of and your assets are protected. 2. Take a Fresh Look at Your Homeowners Insurance Did you or a member of your family receive an expensive gift this holiday season? If so, you might want to take a look at the deductibles that you previously chose for your homeowners insurance. While a high deductible often looks attractive because it can make your payments lower, if it is too high it can be difficult to replace items that are covered unless you dip into savings or other monetary reserves. 3. Does it Make Sense to Bundle? If you have insurance with more than one company, you could be missing out on significant savings. Most insurance companies have a bundle plan that allows you to save money if you have more than one policy with them. Much like car insurance policies that give you a multi-car discount, bundling your insurances with one company can often allow you to enjoy savings on your policies.    

FMLA Leave Request Does Not Create Automatic OSHA Recordkeeping Obligation

Author TonyScurich , 1/7/2015
PatientsIn Secretary of Labor v. United States Postal Service the question was whether an employee's indication of an industrial injury on a FMLA request form triggered an OSHA recordkeeping obligation.  To make a long story short, that claimant complained she was having an allergic reaction to dust produced by machinery she worked with. Her doctor provided her a note stating she was not to return to work at that machine. She eventually filled out an FMLA leave request form.
As this was going on, her complaint and that of another employee triggered an OSHA investigation. None of the inspections or analysis generated by her physician or OSHA found any kind of violation of OSHA standards or the exact allergic substance she was reacting to.  The OSHA inspector was none the less concerned the company had not recorded her allergic reaction in the OSHA injury logs, a violation for which they were cited.
The Occupational Safety and Health Review Commission overturned a decision by the lower court and ruled due to privacy provisions associated with the FMLA, the employer was required to not share this information with the OSHA coordinator or the employee’s supervisor. The only time it would be appropriate to do so is for job accommodation purposes or emergency medical treatment.
The Commission also ruled the obligation to report an OSHA injury could come from someone's position or other unique circumstances. According to the Commission no such facts existed to generate the obligation. Which is rather surprising given it was abundantly clear she claimed to be having allergic reactions to working around the machinery and told numerous people about it.
The court reminded employers they should separate FMLA files from the work comp or injury ones.
Take home lesson: do NOT share medical information across the organization unless that person has a “need to know”, there is an accommodation to consider, or there is some kind of emergency. Keep FMLA requests private and don’t automatically share the info with the OSHA compliance team.
Don Phin, Esq. is VP of Strategic Business Solutions at ThinkHR, which helps companies resolve urgent workforce issues, mitigate risk and ensure HR compliance. Phin has more than three decades of experience as an HR expert, published author and speaker, and spent 17 years in employment practices litigation. For more information, visit www.ThinkHR.com.