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Every year, the city of Watsonville puts on a special parade, called the Spirit of Watsonville for the 4th of July.  The parade is filled with tractors, fire engines, classic car clubs, antique cars, and non-profit organizations. The parade encompasses the spirit and pride of Watsonville.  Nothing short of a wonderful display of our community getting together to celebrate our independence. The parade begins at 2:00 pm in Downtown Watsonville.  We hope to see you there! From all of us here at Scurich Insurance Services, we wish everyone a happy and safe 4th of July! Our office will be closed Friday, July 4th. Content provided by Transformer Marketing. Sources:  http://cityofwatsonville.org/visitors/spirit-of-watsonville  

MPG brings you access to AIG, Chubb, Ironshore and NatGen Premier, the industry's most prominent carriers offering solutions to High Net Worth clients and a level of customization and personalized attention unmatched in the insurance industry. In addition we offer a suite of comprehensive non-admitted solutions for your clients hard to place personal lines exposures.

MPG brings you access to AIG, Chubb, Ironshore and NatGen Premier, the industry's most prominent carriers offering solutions to High Net Worth clients and a level of customization and personalized attention unmatched in the insurance industry. In addition we offer a suite of comprehensive non-admitted solutions for your clients hard to place personal lines exposures.

Technology associated with construction has dramatically changed operations. Carefully check the class codes and their descriptions to assure proper premiums. Years ago, 5606 - contractor supervisors - served to describe on site personnel who actively performed construction activities while managing the site. The rate was equivalent to site carpenters. That code has evolved into the computer carrying, service providing construction managers and executives who document the construction process. The rate is closer to outside sales representatives now. Even excavation and site work is being dramatically changed by GPS technology. Now computers design a cut and fill pattern with efficiency. Labor is more involved in checking the geotechnical and environmental properties of the soils rather than the actual movement of them. As production technology improves, new sub-codes develop to reflect the decrease in risk. Painting, carpentry, electrician and other trades now use a selection of eight or ten separate codes to describe exact activities. More components are built in shops and brought to the site. This process can change the class code of the installers and the builders. The trend is towards more computer driven operations. Less labor, more specialists. As this trend continues, class codes will be added, deleted and the descriptions changed. There are currently over seven hundred class codes. Some are antiquated with new meanings - like a ship chandler is now a hardware store. It pays to become familiar with the classifications. If your business has been active for many years, the "governing code" may be incorrect. The governing code is the catch-all for your business which best describes the overall operation, more obvious in manufacturing. Corrugated box manufacturing has been reorganized into several class codes. Technology has separated the manufacture of cardboard and corrugated cardboard into laminating processes, cutting and folding processes, and fully integrated operations. Read your relevant class codes and think about which one reflects your operations. Or ask your agent to do it for you.

Spring 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.

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.

MPG's Private Client Services Insurance program brings you access to the industry’s top high net worth personal lines carriers offering premier solutions and a level of customization and personalized attention unmatched in the insurance industry. Leveraging our carriers’ unique approaches and wide range of sophisticated products, we craft the tailored, comprehensive Private Client Services Insurance programs you need to best protect your client’s assets and personal liability. MPG's partner carriers include, AIG Private Client Group, Chubb, IronShore and NatGen Premier.