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7 years ago · by · 0 comments

CONDUCT AN INVESTIGATION INTO WORKPLACE INJURIES

Every employer should be prepared to conduct their own on the spot workplace injury investigation. In cases of serious injury, or injuries of a questionable nature, early intervention by the employer is essential. By being proactive, an employer can more readily reduce their liability to exposure by preventing a situation from spiraling out of control rather than engaging in a costly court action.
The main reasons to investigate are:

  • This is your only opportunity to conduct your own discovery into the cause or legitimacy of the injury while the incident is fresh.
  • Allows you to obtain the witness versions of the incident before details are forgotten, in some instances to prevent possible deception or collusion.
  • Provides the best opportunity to understand the underlying cause of the incident and to make an informed management decision.

Understanding How to Conduct an Investigation

Every investigation is really nothing more than a step-by-step logical process. You are best served to have specific individuals designated to perform the investigation.

Your purpose as an investigator will be to determine whether the alleged workplace injury had a casual connection with the worker’s employment. You want to know whether the worker was exposed to a particular danger or possibly some other risk peculiar to the Worker’s Compensation actions at the time of the alleged injury.

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7 years ago · by · 0 comments

Celebrity Money Mistakes

 Losing Homes to Foreclosure

Foreclosure

You’ve probably seen former Tonight Show host Ed McMahon in the headlines lately. In a sad turn of events, McMahon, once famous for knocking on people’s door to make their dreams come true, is now facing the nightmare of losing his home to foreclosure.

Records show McMahon is $664,000 behind in payments on his Beverly Hills mansion. How could this happen? Simple: McMahon got caught by the housing bust just like so many other Americans.

These days it is so important to have a Insurance company with your best interest in mind. Personal Insurance mistakes are common for the simple fact people aren’t doing their homework on multi policy discounts.

Call Scurich Insurance today to find out how we can help you save BIG!

Tony Scurich

Scurich Insurance Services

A Member of United Valley Insurance Services

P.O. Box 1170

Watsonville, Ca  95077-1170

Ph#  831-722-3541 Ext. 15

Fax# 831-722-1997

Email: tony@scurichinsurance.com

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7 years ago · by · 0 comments

EMPLOYERS’ LIABILITY INSURANCE: BEYOND WORKERS COMP

Although Workers Comp policies go by the official name of “Workers Compensation and Employers Liability,” it’s easy to overlook the “Employers Liability’ coverage, which protects your business against liability arising from physical injury and occupational illness claims that Workers Comp doesn’t cover. The Employers Liability section resembles a Commercial General Liability (CGL) policy, defending the employer against claims and paying the employee, dependents, or others in cases of employer negligence.

Consider these types of claims:

  • Action-Over: Let’s assume that Curbside Concrete’s employee is injured in an accident while driving a company mixer and sues the other driver, who then sues Curbside, arguing that a defect in its truck caused the accident. Employees who use tools are especially prone to filing claims of this type: the employee sues the manufacturer of a tool that injured them on the job. The manufacturer then counter-sues the employer for negligence in failing to supervise the employees on the safe use of its tool.
  • Loss of Consortium: A seriously injured or dead employee might have a relative or spouse who sues the firm for the resulting loss of normal relations with the disabled or deceased companion. This absence can affect a son or daughter with a mother or father who can no longer fulfill the proper role of a parent, as well as someone whose spouse’s sexual function has diminished.
  • Consequential Bodily Injury: A worker’s injury has an adverse on one of their relatives. For example, after Joe suffers an injury on the job, his sister must now quit her job to drive him to the occupational therapist every day.
  • Dual Capacity: A firm faces a suit beyond its role as the injured worker’s employer. Mike, the building maintenance worker, is injured while installing a basketball hoop in the company gym by a drill manufactured by his employer, Dynamic Drill, Inc. He files a suit against Dynamic as creator of the tool, not as the employer. A dual capacity claim allows Mike to circumvent the prohibition under Workers Compensation law against suing his employer.

These workplace occurrences are not far-fetched. Our Risk  Management professionals would be happy to provide a thorough review of your Workers Comp policy to make sure that you have the protection you need.

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Company information

Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

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Info@ScurichInsurance.com

(831) 661-5697

Available 8:30am - 5:00pm