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8 years ago · by · 0 comments

Managing Risk and Purchasing Insurance

Managing RiskFor many individuals, after buying a house or car, renting an apartment, or changing jobs, insurance is the first thing most consumers think about. To avoid risk, getting insurance quotes from insurance agents to immediately implement full coverage to a homeowners, auto, renters or health insurance policy, is a must. You need insurance just in case something ‘bad’ happens. But paying too much for insurance can be quite costly.

With good reason consumers pay close attention to their insurance coverage, although over-insuring becomes the problem because they are not thinking about the risks of going overboard on coverage. Evaluating individual insurance needs is all about making smart decisions that are not related to the benefits of purchasing high risk insurance. In the long run, consumers end up paying too much for insurance when they do not have to.

The two mistakes many consumers make:

  • Trying to insure everything instead of finding an alternate solution for coverage.
  • Believing that full coverage applies to every little detail relating to a property, car and so on.

As an example, if a homeowner owns a number of valuables such as jewelry, collectibles, etc., instead of purchasing more insurance to cover the valuables in case of a burglary, perhaps purchasing a safe would be the better decision.

Also keep in mind, consumers are not able to cover every minor mishap because the chance of it happening is slim and insurance rates would be sky-high. For instance, on many consumers’ auto insurance policies they will not find coverage for protection against a lawsuit from a passenger that was injured while riding in their car.

Scurich Insurance can help you Manage Risk and get covered with Personal Insurance.

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8 years ago · by · 0 comments

Choosing the Amount of Life Insurance You Need

Life InsuranceYour need for life insurance will vary with your age and responsibilities. The amount of insurance you buy should depend on the standard of living you wish to assure for your dependents. You should consider the amount of assets and sources of continuing income available to your dependents when you pass away. Simply stated, you should choose an amount of life insurance that is determined necessary to meet the needs you are trying to satisfy.

Steps To Determine How Much Life Insurance You Need:

1.Determine how much life insurance you need based on the factors mentioned above.

2.Decide how much money you can afford to pay.

3.Choose the type of life insurance policy that meets your coverage goals and current family budget. Fitting these two factors together will move you toward a successful overall financial plan.

Scurich Insurance can assist you with your Life Insurance needs.

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

Employee Safety Tips: Working Outdoors in Summer Heat

Summer Heat - Employee SafetyJobs that take employees outside definitely have their appeal, especially to the office-based cubicle crowd. But people whose line of work requires them to be outdoors in the hot summer months — from construction and agriculture workers to parks employees — face unique health hazards.

Clothing and Sunscreen
Employees who are working outside in the heat should wear light, loose-fitting clothing. But to avoid harmful UV rays, stick to long pants (no shorts) and long-sleeved shirts, and apply plenty of sunscreen.

Breaks for Water and Shade
If you’re working in the heat, your employer should provide you with plenty of water, and breaks to drink it. Drink small amounts frequently, rather than a lot of water all at once. If your work is particularly strenuous and takes place in direct sunlight, you should also be given regular work breaks in a “shade tent” or other rest area.

Heat Stroke and Heat Exhaustion: What to Watch Out For.
The combination of high temperature, high humidity, and physical exertion that comes with some outdoor jobs raises the risk that workers will suffer heat stroke or heat exhaustion. Some warning signs are headaches, lightheadedness, confusion, irrational behavior, loss of consciousness, abnormally high body temperature and hot, dry skin.

Lyme Disease, Poison Ivy, and West Nile Virus
Working in the great outdoors — especially in the summer months — can mean exposure to some of Mother Nature’s less pleasurable offerings, including ticks that can carry Lyme Disease and other bacteria, mosquitoes that can transmit West Nile Virus, and poisonous plants that can cause skin problems.

Scurich Insurance can help advise your business regarding Safety Services.
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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(831) 661-5697

Available 8:30am - 5:00pm