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8 years ago · by · 0 comments

Risks You May Face In Your Business

Risk Management ConsultingThe types of risk your business faces

The main categories of risk to consider are:

Strategic – a competitor coming on to the market

Compliance – responding to the introduction of new health and safety legislation

Financial -non-payment by a customer or increased interest charges on a business loan

Operational – the breakdown or theft of key equipment

These categories are not rigid and some parts of your business may fall into more than one category. The risks attached to data protection, for example, could be considered when reviewing both your operations and your business’ compliance.

Other risks include:

Environmental Risks – including natural disasters

Employee Risk Management – such as maintaining sufficient staff numbers and cover, employee safety and up-to-date skills 

Political and Economic Instability – in any foreign markets you export goods to

Health and Safety Risks

Commercial Risks – including the failure of key suppliers or customers

Scurich Insurance can help you with Risk Management Consulting for your business.

320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666

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8 years ago · by · 0 comments

Term Life Insurance or Permanent?

Life Insurance - Term or PermanentTerm life insurance in general can be purchased for large amounts with a low premium to start out. This can be a good option for those with short term needs such as coverage for a home mortgage, outstanding debt, educational costs, or a car loan. The appropriate policy will be affordable and cover any or all of these expenses to give you the peace of mind that large bills will be handled.

Permanent life insurance offers a level payment for a coverage amount that you choose and an account value that suits your lifelong needs based on factors such as children, marital status, income, and monthly expenses. This is a very convenient option for those looking to fulfill a loved one’s needs, finalize expenses, complete estate planning, make contributions to charity, implement a business legacy, or have access to accumulated cash value.

Scurich Insurance can help you with many types of Life Insurance. For more information, please contact us at 1-800-320-3666

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8 years ago · by · 0 comments

Tractor Safety Tips

Tractor AccidentHere are some great tips to keep you safe on your tractor.

  • Don’t leave the driver’s seat or cab until you have turned off the engine and made sure the tractor has come to a complete stop. Then take the key with you.
  • Always be on the lookout for nearby workers on the ground.
  • Don’t carry passengers or extra riders.
  • Don’t operate too close to ditches or creeks.
  • Slow down when operating in fields that contain holes or other hazards resulting in uneven terrain.
  • Make sure tractors are equipped with ROPS and that seat belts are worn when the ROPS is in the upright and locked position.
  • Only hitch to the drawbar or to other hitch points specified by the manufacturer.
  • Make sure all loads are secure, balanced, and not too heavy for your tractor to handle.
  • Check your lighting, brakes, and the condition of your slow-moving vehicle emblem (SMV) before operating on a roadway.

Scurich Insurance can get you covered with Workers Compensation in the event of tractor accident or injury. Please visit us at http://www.scurichinsurance.com

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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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E-mail address:
Info@ScurichInsurance.com

(831) 661-5697

Available 8:30am - 5:00pm