Contact us

(831) 722-3541

Contact us

Contact details:

Message:

Your message has been sent successfully. Close this notice.

Commercial Insurance Quote

Coverage Information

Current Coverage Information

Contact details:

Your Quote Form has been sent successfully. Close this notice.

Auto Insurance Quote

Contact details:

Current Coverage Information

Your car:

Your Quote Form has been sent successfully. Close this notice.

Homeowners Insurance Quote

Your house:

Current Coverage Information

Contact details:

Your Quote Form has been sent successfully. Close this notice.

Life Insurance Quote

Life Insurance Details

Current Coverage Information

Contact details:

Your Quote Form has been sent successfully. Close this notice.

Health Insurance Quote

Coverage Information

Current Coverage Information

Contact details:

Your Quote Form has been sent successfully. Close this notice.
4 days ago · by · 0 comments

Can Your Small Business Ruin Your Personal Credit Rating?

Your small business expenses and personal expenses should stay separate. However, it’s easy to spend business funds for personal expenses, which can affect your personal credit. Understand the business credit mistakes that put your personal credit at risk.

Start or Fund Your Business With Personal Credit Cards

To get your business of the ground, you may use your personal credit cards. Whether you charge a few hundred or a few thousand dollars, this financing option could cost you.

Open a business credit card to get your business running. As an alternative, ask for trade credit where your suppliers agree to give you 30 days to pay off the balance of your bill. These steps separate your personal and business finances and can assist you in getting financing in the future with a favorable interest rate and terms.

Use Personal Guarantees

Business financing or credit is usually only available if you give a personal guarantee that you’ll repay the money. Those guarantees will show up on your personal credit reports, though, and could affect your credit score and your ability to get credit in the future.

Make an honest effort to never borrow more than you can repay. Don’t default on business loans, either. Wise financial management now assists you in obtaining future funding.

Make Late Payments

Sometimes, you can’t pay bills until your customers pay, and if they pay late, then you pay late. Other times, you may forget to make a payment. One late payment might not be a big deal, but two can negatively impact your personal credit.

Set aside enough money to pay several months of bills on time. Also, use automatic bill pay when possible and have the payment draft from your business bank account a few days before the due date. Stay current on all payments as you protect your credit.

Max Out Your Business Credit Cards

Certain business credit card providers will report your payment history to consumer credit agencies. Late payments and maxing out your credit card will have a negative effect on your credit score.

Always leave a cushion on your credit cards and resist the temptation to charge your full credit amount. Consider making early payments and paying twice a month as you lower your balance, too. You may also want to use a business credit card that does not report to personal consumer credit agencies.

Your small business can ruin your personal credit. Reduce your risk by separating your accounts. The way you structure your business can protect you, too. Talk to your financial advisor for more information on how to protect your personal credit as you build your small business.

Read more

1 week ago · by · 0 comments

Protecting Easy Targets Around Your Home This Summer

The U.S. Department of Justice’s Bureau of Justice Statistics reports that most burglaries occur during the summer months. While some burglars enter your home, others are interested in soft targets, the items stored outside of your home. One in three homeowners do not protect their soft targets, but you can with these tips.

  1. Vacant Properties
    Thieves and vandals typically target vacant homes as they steal scrap metal or take other items to sell. If you’re on vacation, keep your windows and doors locked. Install outdoor motion activated lights and use a timer to turn on indoor lights at random times, too. You can also install a video camera that allows you to monitor your home while you’re away.
  2. Vehicles and Loose Items
    Experienced car thieves can steal a vehicle in less than 10 seconds. Always keep your car locked inside the garage or make sure the alarm is turned on and install an anti-theft device that disables the ignition or locks the steering wheel. You should hide any loose items, too, including electronics, garage door openers, toll booth passes and parking garage passes, either in the glove box or trunk.
  3. Unlocked Sheds and Garages
    Tools and lawn equipment are easy to resell. Always lock your garage, including windows, even if you’re working in your lawn. Be sure your valuable tools and equipment are stored inside the shed or garage, too.
  4. Sports Equipment
    Whether your summer activities include baseball, kayaking or tennis, resist the urge to store your sports equipment outside. Secure it safely in a locked garage or shed, in a locked bin or in your vehicle’s trunk.
  5. Bicycles
    Ideally, you should store your bike in a locked garage or shed. If you have to store your bikes, don’t use thin bike chains and wheel locks that are easy to unbolt or cut. A heavy chain threaded through the bike’s wheels and frame and a thick padlock are more secure.
  6. Air Conditioning Units
    Your outdoor air conditioning units contain copper coils and other metal piping that thieves can scrap for cash. Install a bright security light that’s motion activated near your outdoor AC unit or install a locked fence around it.
  7. Pool Pumps
    Pool pumps are easy to resell. Remove the pool pump and store it inside during your vacation. If that’s not possible, install a bright, motion-activated security light near the pump. You should also install a fence around your pool and keep it locked at all times.

Protect your home from thieves when you take steps to protect these seven soft targets. Be sure your homeowners or renters insurance policies are up to date, too, as you protect your home and possessions.

Read more

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