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13 years ago · by · 0 comments

Operation Risks

It is important to have a plan for when things go wrong. Operational risks can lead to catastrophic financial losses. Examples are employee errors, system failure or natural disasters. It also covers protecting yourself and your business from fraud. Having adequate insurance is not always enough; you may be covered for the loss of items in a flood, but are you covered for the days your business is not operating? Contingency plans assess what happens if you business is down for an hour, a day, a week or month.

Knowing how you will fulfill orders whether you subcontract things and make lesser profit but retain customers is an essential part of mitigating operational risk. Talk to your insurance agent about adding a rider that covers you for down time as well as liability insurance should an employee defraud your company or your customers. If you are at risk for a computer system going down, look into a backup server and have IT personnel familiar with your system prepared to get to work if needed. These may be subcontractors who are familiar with the system but not on payroll unless needed.

For Risk Management Consulting, please contact us Toll Free: 1-800-320-3666

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13 years ago · by · 0 comments

Questions you should ask before signing a Life Insurance policy contract.

• What risks and events does the policy cover?
• What risks and events aren’t included?
Insured events may include death, diagnosis of terminal or critical illness, a requirement for long-term care, permanent or temporary disability, and accidental death. It’s important to find out exactly what is covered before you sign anything, to avoid unpleasant surprises.

• Can I choose anyone I want, or choose multiple people, as the beneficiary of the policy?
Most people will choose their partner as the beneficiary of their policy. However, it’s usually possible to name more than one beneficiary as long as they have an “insurable interest”, meaning they must suffer emotional or financial loss in the event of your death. Therefore, you could choose to name your children as beneficiaries in addition to your partner.

We can help you obtain a Life Insurance policy today. Please check us out at www.scurichinsurance.com

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13 years ago · by · 0 comments

Earthquake Insurance Costs

Earthquake InsuranceIdeally, your earthquake insurance policy should cover the cost to replace or repair your damaged property. Consider this:

•Does the policy cover only your dwelling? Are accessory structures, such as garages, also included?
•Will your policy pay for the contents of your home and for additional living expenses if your home is destroyed or too badly damaged for you to live there before repairs are made?
•Are there any exclusions or limitations to coverage?
•What deductible must you pay before the insurance kicks in?

Earthquake insurance rates are determined differently by each insurance company and can vary widely depending on several factors. Generally, older homes cost more to insure. Wood homes get better rates than brick buildings because wood tends to withstand quake stresses better. The premiums are also based on the nature of the soil and your house’s proximity to recognized fault lines.

Areas are graded on a scale of 1 to 5 for likelihood of quakes, and this is reflected in earthquake insurance rates. Because earthquake insurance is a type of catastrophic coverage, most policies carry a high deductible — anywhere from 2 to 20 percent of the replacement cost of the structure. For instance, if the cost to rebuild your house after a quake is $100,000 and your policy has a 2 percent deductible, you would be responsible for the first $2,000.

For more info on earthquake coverage and Home Insurance, please contact us at 1-800-320-3666.

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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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(831) 661-5697

Available 8:30am - 5:00pm