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There are two basic coverages that will be needed; Professional Liability Insurance and General liability Insurance.

U. S. Risk Insurance Group, Inc. is a specialty lines underwriting manager and wholesale broker headquartered in Dallas, TX. Operating 16 domestic and international branches, it offers a broad range of products and services through its affiliate companies, which include U.S. Risk Underwriters, U.S. Risk Brokers, Oxford Insurance Brokers Ltd.(London), Advocate Reinsurance Partners, James Hampden International, Abraxas and Unisource Program Administrators.

As a trusted provider of camp insurance, K&K is committed to helping you succeed by offering quality coverage and services designed for your organization. K&K’s expertise is respected throughout the industry; we are your solution for affordable insurance coverage.

A group home is a place for people to reside that usually have either a chronic mental disorder or physical disability that prevents them from living on their own.

When physical or mental health issues rob people of their independence, they may find themselves in need of an Assisted Care Living Facility. These facilities are for people who need supervision or assistance with the activities of daily living, and they usually harbor a philosophy of care and services promoting independence and dignity for their residents.

Three Live Oak women and a dog were displaced from their house on the 300 block of Seventh Avenue after a Tuesday night fire destroyed part of a garage and damaged the rest of the home with smoke. Shortly before 10 p.m., one of the residents at the home walked into the garage and found it full of smoke and on fire, said Mike DeMars, fire inspector for Central Fire. A housemate walked in after smelling smoke and found the first woman standing frozen in the smoke-filled room, DeMars said. "(The first woman) was a bit overwhelmed," DeMars said. After calling 911, the two women told a third housemate to leave the house. Central Fire and Santa Cruz Fire arrived on scene to extinguish the fire, which was in one corner of the garage and spreading to the ceiling, DeMars said. Firefighters extinguished the flames within 10 minutes. The garage, which was attached to the two-story home, had been converted to a living space where one of the women lived, DeMars said. Investigators said the fire was accidental and traced the cause to combustible materials, including a bookcase, that were placed too close to a water heater in the garage, DeMars said. The woman who first discovered the fire may have suffered smoke inhalation but declined treatment, DeMars said. There were no other reported injuries. The home was declared uninhabitable, with fire damage to the garage and smoke damage to the rest of the two-story home. The women and dog were relocated with the help of the American Red Cross Santa Cruz County. DeMars noted that the home did not appear to have any smoke detectors, which could have notified the residents of the fire. Content provided by http://www.santacruzsentinel.com/copsandcourts/ci_25625610/cops-and-courts-april-24-2014-three-women Don't let this happen to you.  Make sure you have working smoke detectors in centralized locations throughout the house.  Contact Scurich Insurance Services today to make sure that you are completely covered in the event of a fire.

Since 1984, Monterey County has participated in the National Flood Insurance Program (NFIP). This participation, as well as the continued compliance with federal regulations, allows county residents to purchase flood insurance. Even if your business is far from any form of water such as rivers or creeks, it could still be affected by the intricate system of drainage improvements and facilities that the county maintains in an effort to protect its residents and their properties. Federal Mandates If you wish to relocate your business to an area that lies within the 100 year floodplain as determined by Monterey County engineers, or build within that area, federal regulations mandate that you purchase flood insurance in order to take advantage of any federally backed financial assistance for doing so. Even if you are not planning to move your business and you are happily ensconced in your current location, purchasing flood insurance is a wise business decision. Weather Conditions Warranted Protection Businesses that are not located within the flood plain are still at risk for being damaged due to flooding. Weather occurrences such as El Nino, for example, can cause extreme amounts of water to be dumped in areas that are ill-equipped to deal with such an onslaught of weather. Weaken structural supports like building foundations, or even elements of the property itself such as hills, can allow water to breech the boundaries of your business and cause flooding. Industrial Accidents Pose a Concern Water main breaks are incidences that do not occur often but the results can be devastating if you have not prepared for the possibility prior to it occurring. Not only will you need to be concerned with paying for the costs of replacing your damaged inventory and property out of your own pocket, you might struggle with losing sales from your customers during this period of time. Flood insurance is a way to gain peace of mind that allows you to rest easier at night. Knowing that your business - and its assets - are protected in the event of an unexpected flood is a smart business move for the longevity of your company.

...iddle-market business owners and managers understand the need for BI, they don...

Approximately 20-30% of all home buyers purchase properties in communities that have a homeowners association, according to Zillow.com. Many residents love the features of HOA’s because they maintain community appearance, have recreational amenities and are low maintenance with a management system in place.

Do you have clients in need of a specialty insurance product for their short-term rental properties, Airbnb, VRBO or traditional vacation rentals?