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9 years ago · by · 0 comments

Flood Protection for Your Business

Flooded BusinessSince 1984, Monterey County has participated in the National Flood Insurance Program (NFIP). This participation, as well as the continued compliance with federal regulations, allows county residents to purchase flood insurance. Even if your business is far from any form of water such as rivers or creeks, it could still be affected by the intricate system of drainage improvements and facilities that the county maintains in an effort to protect its residents and their properties.

Federal Mandates

If you wish to relocate your business to an area that lies within the 100 year floodplain as determined by Monterey County engineers, or build within that area, federal regulations mandate that you purchase flood insurance in order to take advantage of any federally backed financial assistance for doing so. Even if you are not planning to move your business and you are happily ensconced in your current location, purchasing flood insurance is a wise business decision.

Weather Conditions Warranted Protection

Businesses that are not located within the flood plain are still at risk for being damaged due to flooding. Weather occurrences such as El Nino, for example, can cause extreme amounts of water to be dumped in areas that are ill-equipped to deal with such an onslaught of weather. Weaken structural supports like building foundations, or even elements of the property itself such as hills, can allow water to breech the boundaries of your business and cause flooding.

Industrial Accidents Pose a Concern

Water main breaks are incidences that do not occur often but the results can be devastating if you have not prepared for the possibility prior to it occurring. Not only will you need to be concerned with paying for the costs of replacing your damaged inventory and property out of your own pocket, you might struggle with losing sales from your customers during this period of time.

Flood insurance is a way to gain peace of mind that allows you to rest easier at night. Knowing that your business – and its assets – are protected in the event of an unexpected flood is a smart business move for the longevity of your company.

 

 

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9 years ago · by · 0 comments

Commercial Umbrella Insurance for Large Loss Prevention

Scurich InsuranceThe business world today is being held accountable more and more often. In many cases, this means that a business might be stripped of its traditional business insurance limits during a catastrophic event. These are events that a business owner likely never dreamed of occurring to them. It is important, though, to plan for these unexpected events.

Umbrella Insurance Provides Overarching Protection

Legal settlements can not only rattle the framework of a business, they can put it in a serious financial bind. While a business might have been diligent about ensuring that they have adequate amounts of commercial auto insurance, general liability insurance and employer’s liability insurance, they might be unpleasantly surprised to learn that it is not enough. Given the fact that insurance settlements continue to rise, a commercial umbrella insurance policy is an effective way for a business to protect itself against a large loss.

Commercial Umbrella Insurance: Protective and Affordable

Many businesses – especially small and medium sized ones – might wonder about the necessity – as well as the affordability – of such insurance. Commercial umbrella insurance is unique, though, and it is that uniqueness that makes it so affordable. During an event, such as a legal settlement, your other insurances will be tapped for payment first. This means that those insurances that are required – auto, commercial liability and employer liability – are used to their limits.

Then the Umbrella Comes Out

Once the limits of your other, mandatory insurances are reached, then your commercial umbrella insurance kicks in. While this type of insurance is optional, purchasing a policy is considered to be a good investment in the long term viability of a business. To put it in perspective, for many small and medium size businesses, just one accident, injury or mistake that is determined to be the fault of the business can completely wipe out its financial coffers if the settlement outweighs its monetary limits.

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9 years ago · by · 0 comments

Holiday Tips to Prevent Circuit Overload

KONICA MINOLTA DIGITAL CAMERAThe holidays simply would not be the same without lots of bright lights. Not only do they add to the festive look of this time of the year, they also bring back many memories. There are a lot of people who think the holidays are not complete without tons of lights strung everywhere.

With all those lights, though, you might come to an unpleasant realization when you plug in some unrelated electrical device and you find yourself in the dark. Overloading your circuits is easier than you might think. There are safety mechanisms put into place in electrical systems that are correctly installed, but losing a section of the electricity in your home when you plug in that last string of lights can put a damper on your holiday celebration.

While implementing a temporary fix to your overloaded circuits is pretty easy, a long term solution that works year after year is always best. If you find yourself flipping breakers – for more modern homes – or blowing fuses – for those older homes that still use them – then simply unplug a few items, flip the breaker or replace the fuse and move on. As for those devices that you had to remove from the overloaded circuit, resist the urge to use electrical cords that snake throughout your home since they will only add to the list of potential hazards.

Instead, opt to move them completely. Before bringing out the lights and other decorations that require electricity, make a plan for the outlets that you do have. While you can add a power strip to one outlet to increase its capacity, stick to those that have three sockets to ensure that you do not have the same overloaded circuit problem.

Because overloaded circuits are still a fire hazard – in spite of the safety mechanisms that are built into your electrical system – you will want to contact a qualified electrical contractor to have more outlets installed as soon as possible.

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9 years ago · by · 0 comments

ATTENTION LANDLORDS!

Homeowner's Insurance Scurich CAIf you rent out residential property, you face a variety of financial risks, everything from damage from fires and windstorms, through fines for building code violations, to a disgruntled tenant who sues you.

Landlord insurance to the rescue! These policies cover losses to the property, medical payments for tenants or visitors injured on the premises, and your personal liability for alleged negligence.

The amount of coverage depends on your financial situation. If you’ve taken out a mortgage on the property, the lender will probably insist that you buy a policy large enough to cover the loan balance. As a rule of thumb, the higher the value of the property and the greater the risk of potentially catastrophic liability, the more coverage you’ll need.

Your premium will depend on the type of losses covered and the extent of reimbursement. If you choose comprehensive or all risk coverage (which will pay for damage from all causes unless specifically excluded), your cost will be higher than if you buy “named perils” coverage (which covers only losses due to specific causes). Expect a higher premium for replacement value, which will reimburse you fully for rebuilding your property, than for actual cash value coverage, which will pay only the value of the property, less depreciation.

You can also reduce your premium by increasing the deductible (which usually range from $100 to 5% of the building coverage).

Optional coverages include repayment for rental income lost if the property becomes uninhabitable, and for risks of doing business with tenants, such as legal fees and liability against claims for libel, slander, and discrimination.

Our personal insurance specialists would be happy to help you choose the landlord coverage that offers the best value. Just give us a call.

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9 years ago · by · 0 comments

Open Enrollment for Health Insurance

Scurich Insurance Services, Watsonville, California, ObamacareOpen enrollment for health insurance for 2015 started on November 15, 2014. With all the busyness associated with the holidays and the end of the year, it can be easy for the deadline of February 15, 2014 to slip right by you. It is important, though, to not allow this to happen.

What Happens if You Miss the Deadline?

Once February 15 passes, in general, you will not be able to enroll in a healthcare plan through the Marketplace. There are some life events that trigger special enrollment periods, however. These include occasions that change the status of your family.

  • In the case of a marriage, divorce or birth of a child, for example, you have 60 days to find health insurance.
  • If you lose health coverage that you previously had, you also have 60 days to sign up for another plan.
  • For job-based plans, a 30 day special enrollment period must be offered.

What You Need to Know if You Have Coverage for 2014

If you are one of those people who enrolled in a Marketplace plan in 2014, your coverage ends on December 31, 2014. This end date is the same for everyone, regardless of when their coverage began. In order to enjoy healthcare coverage for 2015, you have two choices: you can either renew the plan you had in 2014 or you can choose a new one. Both of these options must be completed by February 15, 2015 in order for you to have coverage for the year.

What You Need to Know to Start Coverage on January 1, 2015

In order to ensure that you have healthcare coverage on January 1, 2015, you need to either change your plan or renew your current one by December 15, 2014. If you miss that deadline and enroll in a plan between December 16 and December 31, 2014, your healthcare coverage will begin on February 1, 2015. Enroll in a plan by the deadline of February 15 and your coverage will start on March 1.

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9 years ago · by · 0 comments

IDENTITY THEFT: IT’S A JUNGLE OUT THERE

file0001578443946Despite the explosive growth of online identity theft, the great majority of personal information is stolen or lost in other ways, according to one recent study.

A nationwide survey of claims data by Travelers insurance company found that nearly three in four cases of identity fraud (73%) did not involve cyber-crime. According to Travelers, such stolen or misplaced items as wallets and pocketbooks were the most common known causes of these claims. The theft of drivers licenses, Social Security cards, or other forms of personal identification ranked second. Burglaries ranked third, followed by cyber breaches, including Internet scams and old-fashioned forgeries.

To protect yourself against all varieties of identity theft, experts recommend these guidelines:

  • Check your monthly financial statements to detect any suspicious activity (in case you find any discrepancy, contact the financial institution immediately).
  • Carry only essential credit cards
  • Keep critical documents in a secure place
  • Avoid scams by not disclosing personal information if you receive an unsolicited request
  • Shred old bills and financial statements
  • Store purses and wallets in a safe place
  • Never print account information on an outgoing mail envelope
  • Be careful about sharing personal information on social media
  • Ask for a free report annually from the national credit reporting agencies.

You might also consider purchasing Identity theft insurance. Many policies provide coverage for lost or stolen funds; long distance calls to resolve, report, or discuss the fraud; the cost of notarizing fraud affidavits, certified mail, or other documents needed to restore compromised credit; loan re-application fees due to incorrect credit information; and attorney fees (if pre-approved).

For more information, please get in touch with our agency.

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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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(831) 661-5697

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