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11 years ago · by · 0 comments

Dangerous Fire Season Ahead!

Fire officials are poised for a tough wildfire season after another dry winter across much of the West, and made more challenging because federal budget cuts mean fewer firefighters on the ground, Interior Secretary Sally Jewell said Monday.

Jewell said automatic budget cuts mandated by Congress will force fire managers to make choices as they prioritize resources.

Congress cut the current budgets for the Forest Service and Agriculture Department 5 percent under the mandated spending reductions, then added another 2.5 percent cut for fiscal 2013.

Even before Monday’s visit, fire experts were predicting a grim scenario of this summer’s fire season. A dry winter and early warming has created conditions for a fire season that could begin earlier than usual and burn as much as last year, where states like New Mexico and Oregon posted new records for burned acreage.

Crews already have fought blazes in California and Colorado. Barring any dramatic weather changes, the fire season is projected to start a month earlier than usual for Oregon, southern Washington, central Idaho and Montana.

Conditions are also ripe for above-normal fire potential in Arizona and New Mexico, but forecasters say late-season rains could tone down the southwest fire season at least until late summer.

Scurich Insurance Services  has the homeowner insurance  information you need to prepare for this season.  Contact them today.

800-320-3666


 

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11 years ago · by · 0 comments

11 WAYS TO HELP YOUR WORKERS MANAGE STRESS

You can’t eliminate the stress that your employees bring to work – but you can offer them these guidelines to help manage workplace stressors on their own:

  1. Prioritize, streamline, delegate, and discard. When facing a task, ask if it’s really necessary to do immediately.
  2. Break things up. Take two – to three – minute breaks every hour and commit to doing at least one fun thing every day.
  3. Make time. Build time into your schedule for creative expression, healthy eating, moderate daily exercise, hanging out with friends, and enjoying nature.
  4. Be on time. Build in cushion time between appointments to allow for traffic and the unexpected.
  5. Send negativity flying. If a co-worker is on the warpath, visualize an airplane with an ad banner over the person’s head, with each negative word floating up into the banner and out of view.
  6. Relax and watch what happens. Do mini-meditations or mindful breathing while you’re between tasks or in line at the cafeteria.
  7. Get essential nutrients. Go beyond vitamins and begin to think about daylight and laughter as integral parts of your daily life.
  8. Consider what you’re consuming. Sugar, caffeine, and alcohol can increase stress levels.
  9. Watch your words. Don’t let negative internal chatter and self-recrimination distract and demoralize you.
  10. Be kindDo something nice for a different co-worker every day until it becomes second nature to reduce stress for others.
  11. Sleep on it. Sleep deprivation a major culprit in stress is Try to get restful, restorative slumber every night, and watch your stress level decline.

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11 years ago · by · 0 comments

Why Would a Young Person Get Life Insurance?

According to the Life Foundation,

Brigette Hunter was just 27, and a new mother, when she was widowed. Her husband, Matt, was killed in a car accident. To compound her pain, she had to borrow money from her parents to pay for Matt’s funeral, as he had no life insurance.

Just six months later, friends introduced Brigette to Anthony. She wasn’t looking for a relationship, but Anthony was persistent. “He could sell snow to an Eskimo,” Brigette says. They married and soon opened their own electrical business. With the business and three children to support, the couple bought small life insurance policies. Lisa Rinehart, a financial professional, met them several years later, determined that they needed considerably more life insurance, and helped them through the buying process.

A year later, Anthony found a bump on his chin. He had recently walked through a spider web at a job site and assumed it was a bite. But it didn’t go away, and Anthony learned it was melanoma, a cancer he had battled as a teenager. It soon spread to his lungs, brain and bones.

Still wanting to provide for his family, Anthony invoked a provision in one of his life insurance policies that allowed for an early payout to a terminally ill policyholder, and used part of his death benefit to buy a nicer home for his family. He oversaw renovations and was able to spend a month in the house before he died at 34.

The remaining money from Anthony’s policies helped Brigette pay off medical bills and meet her household expenses. It also kept the business afloat. She could make payroll and pay vendors while she and her foreman reassured clients that the business would continue. “Without the money I would have had to close,” she says.

Scurich Insurance Services know that life insurance is a necessity for every family.  Contact them today to see how a policy can fit into your budget.   800-320-3666


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11 years ago · by · 0 comments

PG&E Fined For San Bruno Explosion

According to the Insurance Journal, the California agency investigating a deadly pipeline explosion and the City of San Bruno are set to propose major fines they say Pacific Gas & Electric Co. should pay for its negligence leading up to the blast.

The City of San Bruno says the utility’s shareholders should pay no less than $1.25 billion for violations regulators say PG&E committed before the 2010 explosion.

City officials say that would let survivors know the California Public Utilities Commission is serious about preventing another pipeline disaster. The San Bruno blast killed eight people and destroyed 38 homes.

Commission investigators and consumer advocates will also file their own fine proposals Monday, and PG&E will file its proposal later this month.

A CPUC judge is expected to make a final decision about how much to fine PG&E later this year.

Scurich Insurance Services  are very concerned about their neighbors and their safety. Contact them today to see how to protect your home and its contents with a policy that fills your needs.

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11 years ago · by · 0 comments

Loch Ness Monster Insurance

By Elissa Richard | Compass – Fri, May 3, 2013 1:49 PM EDT

The legendary Loch Ness Monster might have turned 80 this week, but one overly cautious cruise company isn’t convinced that she’s any less of a threat. While “Nessie” hasn’t reportedly harmed a soul—or ship—to date (or actually been proved to exist, for that matter), Scottish cruise line Jacobite Cruises isn’t taking any chances.

Should the octogenarian lake-lurker turn up crotchety while any of their fleet is in operation, it’ll be smooth financial sailing for them all the same, thanks to their recently purchased $1.5 million insurance policy against any potential damages incurred by Scotland’s storied monster.

Jacobite owner Freda Newton explained to The Scottish Sun, “I don’t know what the odds of this actually happening might be, but this is Loch Ness and how silly would we look if it did and we weren’t covered for it?”

No, there’s nothing silly about this cruise line, which operates several sightseeing cruises in the Scottish Highlands region, including trips on Loch Ness. Just look at the free publicity storm they’re brewing on the heels of the 80th anniversary of the first sighting of the mythical lake creature.

Director of Inverness-based insurer Towergate Moray Firth, which issued the policy, admitted to the paper that “This is probably the most unusual insurance request we have ever had, but we were delighted to provide cover to Jacobite Cruises.”

Scurich Insurance Services  has the coverage you need for almost any situation from

Commercial Packages to Group Insurance.  Call them today!  800-320-3666


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11 years ago · by · 0 comments

Does Your Homeowner Policy Cover Earthquakes?

Those of us who live in California know well that we are in an earthquake zone.  Earthquakes are an exclusion of most standard homeowners insurance  policies.

What can we do to protect our valuables in case one happens in our area?  Here are a few suggestions that will help protect our home and its contents:

  • Use brackets to secure wall units, bookcases and other tall furniture to studs in the walls.
  • Install shatter-safe window films in order to help prevent breaking glass.
  • Store fragile expensive items in closed cabinets with strong latches, and use plastic putty to secure them to shelves.
  • Repair any cracks in the ceiling or foundation as soon as you notice them, as earthquakes can cause these to rapidly worsen.
  • Make sure your water heater is strapped firmly to the wall.

Buying the right home insurance policy is a powerful step in helping to protect the people and things you love. However, it’s important to know exactly which perils are and aren’t covered. Work with a licensed agent to learn more about the exclusions in your policy so you can take steps to prepare for any problem that comes your way. You have a substantial investment in your home.  Scurich Insurance Services will be happy to help you to cover your assets!  Contact them today.

 800-320-3666


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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

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