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7 years ago · by · 0 comments

Can your business survive these disasters??

From DiasterReovery.com

Scurich InsuranceThere are many types of disasters, all of which can devastate your business and ruin the lives of your employees, your shareholders, your stakeholders and yourself.

Natural disasters
earth quake disaster, environmental disaster, national disaster, weather disasters, natural disasters, fire disasters, earthquake, tsunami, typhoon, floods, tornado, lightning, blizzards, freezing temperatures, heavy snowfall, pandemic, fallen trees, chemical spill, bombing, nuclear attack, biological attack, plane crash disaster, environmental disasters, theft, severe hail storms, natural disasters, national disaster, nuclear disaster, environmental disaster, volcano disaster,

Manmade Disasters
In today’s world it is an unfortunate fact of life that there are people deliberately and negligently causing disasters all over the world. Disruption of communications, interruption in shipments, destruction of records and production equipment are all ordinary results of manmade disasters and a prudent business will prepare for their occurrence.

Customer Defined Disasters
Customer specific disasters also have the potential to devastate their business. power loss, excess temperatures, broken plumbing, felled trees, loss of communications, utility failure, work stoppage, deliberate disruption, loss of utilities, loss of supplies, equipment failure, loss of key supplier, loss of key vendor, intentional damage and destruction

Even if your company is not in the disaster area your business can still be effected by a disaster. This often occurs when suppliers, customers, communication nodes, in transit shipments etc are in the disaster area.

 

Is your business protected? Do you have any gaps in your current policies?

Scurich Insurance has been covering local business owners, like you, safeguard against the above possibilities. For a free quote, visit Scurich Insurance and get started now before something happens and your business is left in ruin.

 

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7 years ago · by · 0 comments

The Difference Between a DWI and a DUI

There really is no difference between a DWI or a DUI. The acronym for Driving While Influenced is DWI and the acronym for Driving Under the Influence is DUI. Both refer to driving a motor vehicle with Blood Alcohol Content (BAC) that exceeds the state law limit. Most state laws have a .08 BAC threshold limit, so if you are driving with blood alcohol content that is .08 or higher, you seriously risk getting convicted of a DWI or a DUI.

Each state handles DWI a little differently and your BAC will be a big determining factor regarding if your license gets suspended or immediately revoked. If you are pulled over while driving under the influence of alcohol, you will get arrested and a judge will then determine your fine and or sentence. Most states will not sentence you to jail time for your first offense, but if you have repeat DWI or DUI offenses you can expect to serve extended time in jail. It is highly probable that you will need DWI insurance even with only a single offense.

 

The Auto Insurance company is required by law to notify the DMV of any changes you make to your insurance policy. If you drop coverage below the legal requirements, if you cancel your policy, or if your policy is terminated by the Auto Insurance company, the insurance company will immediately notify the DMV and your license will then be suspended or revoked pending further review. It will not be reinstated until another SR-22 is once again filed on your behalf, either by the same insurance company or a different one.

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7 years ago · by · 0 comments

Farm Fire Safety

Farm Fire Safety 

 

 

 

 

 

Prevention on the outside
Be sure to carry out certain fire protection measures before a fire starts:  

  • Create “Defensible Space” – Remove flammable vegetation from around your home or structures and replace with fire-resistant plants. This safety zone for firefighters should be at least 100 feet. Also, clear away dead leaves and debris from your roof and gutters.
  • Mark road signs and buildings clearly – Fire-fighting personnel must be able to immediately locate and safely travel to your home or business in order to protect it.
  • Establish an emergency water supply – Keep a minimum of 2,500 gallons of water (roughly the size of an above-ground pool, 10 feet in diameter) available to firefighters.
  • Make your home and buildings fire safe – Modify your structures to resist fire damage. Siding materials such as brick and stucco resist fire much better than wood. Also, build or re-roof with fire resistive or noncombustible materials (Class A offer the best protection).

Prevention on the inside
Fires are caused by a combination of fuel, air and heat. Therefore, removing one of the three elements is key in preventing devastating fires. Beware of fire ignition sources such as:  

  • Electrical – Many fires result from defects in, or misuse of, the electrical system. Wiring may fail due to faulty installation, overloading, physical damage, aging or deterioration. Inspect all exposed wiring regularly. Make sure heating units are working properly.
  • Farm machinery – Equipment fires may be the result of defective fuel or ignition systems, smoking, overheated engines, sparks from exhaust or grinding equipment, or improper refueling. Turn off the engine and allow it to cool before refueling. Repair leaks in fuel lines, pumps and filters. Use and store fuels properly. Keep them in well-ventilated areas.

Scurich Insurance can help protect your farm with Business Insurance as well as keep you informed with Safety Services.

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7 years ago · by · 0 comments

Agricultural Insurance

Agricultural InsuranceYour farm is probably the single biggest asset you have and provides your livelihood and security for your family. Farm insurance can repair or replace your farm buildings, equipment, livestock and crops in the event of a disaster. Agricultural business insurance can also protect you and your family in the event of a liability lawsuit due to a consumer safety issue, a farm visitor or trespasser’s injury on your land.

There are 3 primary factors in deciding which type of agriculture insurance you need, and the agricultural insurance company that can best provide it. Here’s what you need to consider:

1. The type of farm and type of agricultural business you own.
2. There are full or part-time employees.
3. The presence of farm outbuildings and equipment inventory on your property.

Assess your current insurance situation
If you already have a homeowner’s insurance policy, it will not cover any buildings except your home, unless you have a rider to that effect. It also will not cover your farm equipment, livestock or crops; and it will not provide liability protection outside a certain distance from your home. If you do have insurance for your farming operations, meet with your agent and discuss your policy, line by line, to determine that you have adequate coverage for your business.

Scurich Insurance provides Agriculture Insurance.  Contact us for a quote at 831-722-3541

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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