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Wrap-up or "Wrap" Construction insurance can provide a highly effective tool to reduce costs and avoid headaches in insuring large, complex projects and the workers building them. Wrap policies usually offer superior coverage, higher policy limits and greater contract certainty than traditional Commercial General Liability, Workers Compensation, and (often) Builders Risk insurance written for individual subcontractors and types of risk. What's more, Wrap coverage can minimize potential cross-litigation on construction projects. Although they've been available for decades, these policies have become widespread in recent years, due to the skyrocketing costs of raw materials, financing, and litigation. There are two types of Wrap coverage; owner-controlled insurance policies (OCIP), and contractor-controlled insurance policies (CCIP). Either variety allows the owner to spread the risk among different parties, while providing a seamless insurance safety net for every company and individual involved - which can translate into profit, based on loss experienced over the life of the policy. Because of their extensive coverage, Wrap policies are usually more expensive than other types of Construction insurance for the owner or primary contractor, who will pass on the extra cost among the general contractors and sub-contractors on the project. This is a small price to pay considering the peace of mind that comes from having all coverages and insured parties protected under a single policy. Because of their complexity, insurance companies often tailor Wrap policies for each project, writing them on a customized ("manuscript") basis. Our agency's professionals would be happy to work with you and your insurer in creating coverage that's comprehensive and cost-effective. That's what we're here for. ...

On Monday, December 30, 2014 in a small farming community just outside of Salinas, an unusual discovery was made.  A crop circle appeared on a small farm in Chualar. Take a look: http://www.youtube.com/watch?v=XjaIvfvfVzw Debra Flanager, who is a braille transcriber from New Jersey said that the dots that were placed in the middle of the circle translate to: 192 192 B 192 1 192 192 Now we just need to figure out what that means. Contact Scurich Insurance Services today for an agriculture insurance quote. Content provided by Charles Walton and Youtube. ...