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6 years ago · by · 0 comments

Directing The Directors And Officers

ScurichDirectors and officers can be personally sued by share holders, creditors, employees, suppliers, customers, competitors or regulators. Suits can be bought for various reasons. Shareholders might sue for insider trading. Creditors might sue for misrepresenting the financial health of the company. Competitors might sue for anti-trust or unfair trade practices.

 

Being personally sued can be crippling for individual directors or officers. Just the risk of lawsuits might cause qualified individuals to refuse to take director or officer positions, or it could motivate existing officers or directors to act with excessive caution in pursuing a corporation’s interests. By insuring in Scurich Insurance Services directors or officers against personal liability for their own wrongful acts, D&O insurance addresses these concerns.

 

Any publicly traded company with a corporate board or advisory committee should consider director and officers liability insurance. Non-profit organizations and private companies could benefit as well from the protection offered by directors and officers liability insurance.

 

Some actions are excluded by all Directors and Officers Insurance Policy


Always Excluded:

  • Bodily injury and property damage
  • Intentional and dishonest acts
  • Criminal acts
  • Violations of state laws resulting in fines      or penalties
  • Pollution and nuclear waste.

 

  • Libel, slander and false imprisonment
  • Employment discrimination or wrongful termination
  • Cases involving insured-against-insured actions (i.e., one director suing another)
  • Failure to maintain proper insurance
  • Punitive damages.

 

 

Frequently Excluded:

D&O policies cover claims made during the policy period. It doesn’t matter when the wrongful acts occurred. A claim arising from a lawsuit filed this year for a wrongful act committed last year is covered by this year’s policy. Directors and Officers Insurance is being customized for the unique needs of each client at Scurich Insurance Services. Coverage is generally for some fixed level of claims per year.

 

 

Scurich Insurance

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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6 years ago · by · 0 comments

Advantages of auto insurance

ScurichOne big advantage of having auto insurance policies is that one can be spared from paying sky-rocketing vehicle repair fees. 

The advantages of auto insurance are clear. Maintaining automotive insurance demonstrates financial responsibility. It provides peace of mind in that any bills resulting from an auto accident will be covered. What people often fail to remember is that there are also disadvantages to auto insurance.

No one wants to meet any kind of accident. However, no matter how careful we are, accidents may also take place. For instance, even the most careful drivers can still meet accidents on the road due to some reasons. At one point of our life, all of us are perhaps bound to meet any kind of accident. Aside from the physical and emotional harm, it may also cost financial burden on the victim’s part. For drivers, accidents are quite common and having auto insurance can help decrease some sources of stress in handling the situation.

Don’t wait until you get in an accident to think about Auto insurance. Get in touch with Scurich Insurance today. Don’t panic we are available through filling out the form below, FacebookLinkedIn, and ourContact Us form.

 

Scurich Insurance 
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
eMail:tony@scurichinsurance.com

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6 years ago · by · 0 comments

Holiday Hazards for Pets

More so than cats and dogs, birds are attracted to shiny objects that sparkle. This means that Christmas lights, garland and Christmas tree ornaments are going to be very attractive to a bird. But these items can be dangerous, even deadly to those avian friends.

Even a small bird has a powerful beak that can easily shatter a Christmas light, creating a situation that leaves the bird vulnerable to electrocution. Or, say a pet bird eats some garland – this can cause intestinal damage and even death.And then there are the ornaments on the Christmas tree – a large bird can easily topple a tree when landing, and a medium bird who can land on the Christmas tree can easily break glass ornaments as he explores them with his mouth.

With all these holiday decorating hazards, bird owners must take precautions. Clipping a bird’s wings will prevent flight, making it easier to prevent the bird from accessing the Christmas tree, the mantle and other locations. Constant supervision when out of the cage is also vital when these new, interesting and potentially dangerous holiday decorations are in the home.

Scurich Insurance wants to protect your whole family including your family companion. Click the link to see what else Scurich Insurance can offer you.

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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

Contact details

E-mail address:
Info@ScurichInsurance.com

(831) 661-5697

Available 8:30am - 5:00pm