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4 years ago · by · 0 comments

Protect ‘contingent workers’ and your business

Scurich Insurance Services, CA, Part time workersIf you’re using “contingent workers” — on a part-time, temporary, or contract basis — be aware that these employees face a greater risk of occupational injuries and illness. According to the National Institute for Occupational Safety & Health (NIOSH) reasons for this higher vulnerability include the tendency to outsource more hazardous jobs, lack of experience and familiarity with operations in a dangerous workplace, inadequate protective equipment, and limited access to such preventive measures as medical screening programs. The chances are that temporary workers have a wide variety of experience levels (due to high turnover) or have had the benefit of formal safety programs.

Also, bear in mind that even though the safety of contract workers is the legal responsibility of the contractor, the OSHA General Duty Clause could be interpreted to make you responsible for protecting everyone in your workplace. To help meet this obligation, and bolster workplace safety compliance we’d recommend that you take these steps:

  1. Include safety requirements in the contract, even if only to state that the contractor must comply with OSHA requirements. If the contractor doesn’t follow safety rules, you can force compliance or stop work for breach of contract.
  2. Set the safety compliance ground rules up front, during orientation or before they start work.
  3. Share accountability. Although an accident caused by a contract worker might not be your legal responsibility, it’s still your problem. Don’t leave safety compliance problems for the contractor to solve alone.
  4. Offer assistance. Explain all hazardous conditions or processes during the initial project orientation and stress any rules and restrictions, such as hot-work permit requirements, lockout/tagout, and confined spaces situations and needs.
  5. Document communications with contractors. Give the contractor(s) a document or form to sign when resolving specific safety problems or for conducting inspections.
  6. Read the OSHA Multi-Employer Citation Policy. OSHA published an enforcement and compliance directive (CPL 02-00-124, December 10, 1999) laying out its citation policy for multi-employer worksites, which includes contractors.

Finally, don’t forget that most contingent workers will only be in your workplace for a relatively short time. This only adds to the urgency of getting them up to speed on your company’s safety policies and practices as quickly as possible.

Contact our office today for more information.

Content provided by Transformer Marketing.

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4 years ago · by · 0 comments

Did you know about these types of unusual insurance policies?

Scurich Insurance Services, CA, Insurance ServicesWhen you  think of insurance, the typical ones come up.  Auto insurance, health insurance, homeowners insurance and business insurance.  Some people may have even heard of umbrella insurance, flood insurance, farm insurance and so on.

But we want to share with you about some of the more uncommon types of insurance that are out there.

  1. Cold Feet Insurance.  That’s right.  If your spouse-to-be happens to get cold feet right before the big day, reimbursement could be in order.  However, there are some conditions:  The change of heart has to happen a full year before the wedding and the reimbursement will be sent to a third party (such as parents).
  2. Fantasy Football Insurance.  Football lovers all over are excited about this one!  FantasyPlayerProtect.com allows fantasy players to insure their teammates.
  3. Multiple Birth Insurance.  Oh boy, a bundle of joy is coming your way!  And then you find out you’re having 3 bundles of joy!  The insurance will pay out a lump sum to parents who were expecting 1 bundle of joy.  The condition is that you did not use a fertility treatment.
  4. Divorce Insurance.  Splitting up assets and debts and adding legal expenses to the mix, divorce can get costly.  Divorce insurance will help with a payout in case of divorce.
  5. Chicken Insurance.  Yes, you heard me correct.  Pet insurance has been popular for all of the dog and cat lovers for years, but now some insurance companies have included the not-so-common pets such as chickens and mice.
  6. Kidnapping Insurance.  For companies who have overseas employees to people who travel to third world countries, kidnapping insurance is there to help cover the costs associated with kidnapping, including negotiators fees, travel expenses and the ransom itself.
  7. Drunk Guest Insurance.  For everyone who loves to entertain at your home, this one’s for you!  The formal name is social host liquor liability coverage and this will provide coverage for an intoxicated guest who destroys property or harms another person.  Most homeowners insurance policies have something like this in the policy.
  8. Infertility Insurance.  You really want to have a baby and in-vitro is a viable option.  The costs of fertility treatments can be excessive.  Infertility Insurance will help you out with your dream, but only if you live in one of the fifteen states that offer this special insurance.
  9. Golf Insurance.  This kind of insurance is popular throughout Asia and Europe.
  10. Bedbug Insurance.  Typical homeowners and renters insurance won’t cover the costs associated with a bedbug infestation, which can add up to the $1,000s.  Most bedbug infestations occur during travel, so when you sign up for travel insurance, make sure you have a bedbug rider.

Scurich Insurance Services can help you out with many types of insurance policies.  Give us a call today!

Content provided by Transformer Marketing and http://money.msn.com/insurance/10-crazy-insurance-policies-you-didnt-know-existed

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4 years ago · by · 0 comments

Jet’s Mystery Disappearance Leaves Riddles Over Who Is Liable

Scurich Insurance Services, CA, MH370(Bloomberg) — As the final hours of Malaysian Air Flight 370 remain wrapped in mystery, the question of who bears full liability for the jet’s disappearance is also unresolved.

This much is clear: Families of the 227 passengers aboard the flight that vanished on March 8 can recover some compensation from Malaysian Airline System Bhd even if the plane isn’t found. The airline is liable under international treaty for as much as $175,000 per passenger, and possibly more.

For survivors to capture significantly greater damages, wreckage would probably have to be located and a narrative of the plane’s demise assembled. Several scenarios have been offered for the flight’s disappearance, including hijacking, intentional downing or an on-board fire. Evidence of any of these could open avenues for family members to sue.

“The disappearance of Flight 370 remains a mystery. The legal claims against Malaysia Airlines — those are not a mystery,” said Robert Hedrick, a pilot and air-disaster lawyer in Seattle. “If the wreckage is located, the evidence may establish liability of other parties.”

The Montreal Convention of 1999, an international treaty that covers air travel, requires carriers to pay damages for each passenger killed or injured in an accident, even if its cause is unknown. By those rules, the airline’s liability could stand at more than $40 million.

Read the entire article here.

Content provided by:  http://www.propertycasualty360.com/2014/03/24/jets-mystery-disappearance-leaves-riddles-over-who?eNL=5330756f150ba0af70068ede&utm_source=PC360NewsFlash&utm_medium=eNL&utm_campaign=PC360_eNLs&t=es-specialty&_LID=160558015

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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