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1 week ago · by · 0 comments

The Summertime Heat Is On!

3Whether you are outdoors — on the job or at play this summer — or working indoors in a hot environment, you need to know how to cope with hot and humid conditions that can pose serious dangers to yourhealth that the heat brings.

The human “cooling system” uses perspiration and blood vessels to regulate body temperature. However, when someone is working hard in the heat, especially when it’s also humid, this system can break down, raising the person’s temperature and heart rate. Although people who are past middle age or have health problems are especially vulnerable, the young and healthy can also suffer from heat-related conditions.

Overheating also affects the brain. A temperature hike as little as 2 degrees can impair mental functioning, which makes heat an underlying cause of job accidents, as diminished ability can lead workers to overlook hazards and make mistakes.

In order of seriousness, heat hazards — and their remedies — include:

  • Heat rash — Can be irritating: Take a shower and use a little talcum powder.
  • Heat stress — Symptoms include thirst, vision problems and/or feeling woozy or tired: Drink a cool, non-alcoholic beverage in a shady place.
  • Heat cramp — Involves pain from twitching muscles caused by losing salt from perspiration: Get into the shade and take cool fluids.
  • Heat exhaustion — Look for heavy perspiration, fatigue, queasy stomach, and chilly, clammy skin: Put the person in the shade, with their feet slightly elevated, provide a cooling beverage (unless the victim is nauseated), and be prepared to seek medical assistance.
  • Heatstroke — Can be a fatal condition, characterized by a lack of sweating, a temperature elevated by up to five degrees, hot skin, mental confusion, and loss of coordination: Call paramedics immediately — and then get the victim to a shaded spot and keep him or her cooling down with cold water sponges or ice packs until help arrives.

To help keep your workers protected from the heat, we’d recommend that you advise them to: (1) Wear sunglasses for protection against exposure to UV rays; (2) Apply sunscreen with an SPF of 30 or more to minimize the risk of cancer or sunburn: (3) Keep hydrated with plenty of cool — not cold — water and beverages free of alcohol or caffeine; (4) Minimize exposure to the sun by going indoors or staying in the shade during the heat of the day; and (5) Eat light meals with small servings of fruits and vegetables (which are rich in fluids).

For valuable information on dealing with heat-related issues, check out the National Oceanic and Atmospheric Administration (NOAA) web page, Heat: A Major Killer.

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2 weeks ago · by · 0 comments

Add Fruit and Veggies on the Grill and Boost Your Summer Health

You already cook meat on the grill. Why not add fruits and veggies? They help you boost your summer nutrition and taste delicious.

Choose Fresh Produce

Whether you decide to grill pineapple, watermelon, corn or asparagus, make sure it’s fresh. Ideally, the produce you grill should be firm and picked within the past three days.

Brush on the Oil

You’ll want to stock quality canola, olive or coconut oil in your pantry before you grill produce. It adds extra flavor to your grilled produce and a light coating works together with foil packets or a non-stick grate to ensure the fruits and veggies don’t stick to the grill.

Mix a Few Marinades

In addition to the oil, prepare a few marinades. Olive oil infused with herbs, raspberries, mint or other flavorings, honey and low-fat or Greek yogurt enhance the taste of your grilled produce.

Leave the Skin On

The skin of many fruits and veggies contains healthy nutrients. So, leave veggie skins on when you grill them and maximize the nutrient content of the grilled veggies you eat. Most fruits, however, grill better without the skin.

Pre-Cook Some Veggies

Certain veggies cook more evenly on the grill when you pre-cook them in the kitchen. To prep asparagus, beets, broccoli, parsnips, potatoes, squash and carrots for grilling, steam or blanch them until they’re al dente. Alternatively, tomatoes, sweet potatoes, peppers, mushrooms, onions and eggplant will cook evenly when you grill them raw.

Use the Right Temperature

When you cook fruits and veggies over moderately hot coals, the outside could cook faster than the inside. You’ll want to rotate the produce between direct and indirect heat so that each piece cooks evenly and completely.

Whether you cook for one or 100, prepare fruits and veggies on the grill and enjoy a summer nutrition boost. They help you stay healthy, and you’ll feel good knowing that you’re helping your family and friends stay healthy, too.

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3 weeks ago · by · 0 comments

Heading outdoors? Secure Insurance for Your Trailer Before you Travel

Americans are taking to the outdoors in record numbers this summer, mostly because of COVID-19 indoor restrictions and the cancellation of organized sports.

So, this summer you and/or your family and friends may be hauling a trailer. It secures your ATV, boat, a second car, camper, horses or camping gear. Before you hit the road, make sure your trailer is properly insured.

Why do you Need Trailer Insurance?

Many states accept your auto insurance coverage when you haul a trailer behind your insured vehicle. Your homeowners or renters insurance policy may cover the items you haul. However, this coverage is typically only for liability. Plus, you face several risks when you haul your trailer on the road.

  • If you’re not used to hauling a trailer, your risk of causing an accident increases.
  • You may turn too sharply and damage someone’s property.
  • You could hit a slippery stretch of highway that causes your trailer to slide into another vehicle and damage it or push it off the road.
  • While unloading or loading your trailer, you could damage it or the item you’re hauling.

These and other accidents are possible. Trailer insurance adds valuable protection that gives you peace of mind as you travel.

What Type of Coverage is Available?

The type and amount of trailer insurance you need depends on your trailer’s type and size and on the value of the items you will haul. Typical trailer insurance provides several valuable coverages.

  • Liability – Cover the costs associated with bodily injuries or property damages your trailer causes to other people or their property and belongings.
  • Comprehensive – Repair your trailer if it is damaged from theft, vandalism, fire or weather.
  • Collision – Repair your trailer if it is damaged during a traffic collision.
  • Contents Coverage – Pay to replace damaged items that are stored on or hauled in your trailer.

How do you Purchase Trailer Insurance?

Talk to your auto insurance agent about trailer insurance. He or she will review your auto insurance policy’s current types of coverage and limits to ensure it’s adequate for your trailer. Your agent will also review your homeowners or renters insurance policy and ensure it covers the items you are hauling.

If your current policies are not adequate to cover your trailer and its contents, increase your coverage types or limits or purchase a separate policy. You may need to shop around for trailer insurance if your current agent does not carry it.

With trailer insurance, you can travel this summer with confidence. If your trailer causes property damage or bodily injury or if the items you haul are damaged, you can pay for the liability or repairs. Talk to your agent before your next trip to make sure you’re properly covered.

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1 month ago · by · 0 comments

What Paperwork Should You Keep?

Do you have a pile of papers collecting dust on your desk, in your filing cabinet or in a safe? Instead of stockpiling every electric bill, tax return and retail receipt from the last 20 years, learn which papers to keep and which to toss.

Bank records – Shred your checking and saving account statements monthly or after you reconcile your accounts.

Credit card statements
 – Shred them after you pay the bill except if you need to prove a charitable donation for your tax return.

Health records for humans and pets – Keep medical records and paperwork that documents your health history, including details about medications, immunizations, x-rays, medical tests, surgeries and major health events.

Instruction manuals
 – Keep these papers until you sell the item.

Insurance policies – Save copies of your auto, home or renters insurance policies to prove you’re covered and to compare coverage during your annual renewal. Shred the old copies when you get new ones.

Investment statements – Shred monthly and quarterly statements but keep annual ones until you sell the investments.

Loan documents
 – Shred closing documents for loans after you pay them off.

Pay stubs
 – File with your tax return information until you file your taxes and then shred them.

Retail receipts – Shred or toss receipts after you reconcile your receipt with your budget. Keep them if you need to return an item, purchase items that are eligible for a tax deduction or wish to retain proof of an item’s original cost.

Savings bonds 
– Keep them until you cash them in.

Tax returns – Retain them and any supporting documents for seven years in case you are audited.

Utility bills – Review each month’s bill for errors then shred them.

Vehicle records – Retain receipts, registration info, titles and maintenance and repair records until you sell the vehicle.

Warranties – Store these until you sell the item.

The following papers you should store in a safe place indefinitely. Consider making copies of these documents, too, and storing them in a location outside of your home.

  • Birth certificates
  • Social Security cards
  • Marriage licenses
  • Divorce decrees
  • Military service records
  • Pension-plan documents
  • Estate-planning documents that pertain to your will, power of attorney, end of life and trusts
  • Life insurance policies
  • Death certificates

Whether you store your papers in a pile on your desk or in a safe deposit box, reduce clutter when you understated which papers you need to keep. For more details on reducing paper clutter while maintaining the protection you need, talk with your insurance agent.

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1 month ago · by · 0 comments

Fourth of July Safety Tips

COVID-19 has changed the way we are going to remember this Independence day weekend. Governor Newsom has announced stricter restrictions and closures ahead of the July 4th weekend, including a crackdown on mask wearing violations. Public fireworks have been cancelled in most counties.

However, it is a big holiday weekend and Americans will celebrate, here are some safety tips.

Take Precautions While Grilling

Burgers, hot dogs, fruit and pizza taste delicious when they’re grilled. Grab your favorite side dishes and follow a few precautions that ensure you and your guests grill safely.

  • – Always supervise the grill when it’s in use.
  • – Never grill indoors or in a fully enclosed area such as a garage or tent.
  • – Use lighter fluid sparingly and never after the coals are ignited.
  • – Keep children and pets away from the hot grill.
  • – Remove flammable objects, including trees, from near the grill.
  • – Use long-handled tools to handle food.

Use Fireworks Safely  (if allowed)

Public fireworks displays are the safest way to enjoy the beautiful colors and terrific booms of this July 4th tradition, especially when you maintain a distance of at least 500 feet between you and the show. Firework displays at home can be fun though too. If you go that route, take these precautions.

  •  Follow the instructions on the packaging.
  •  Never allow children to play with the fireworks.
  •  Stock a fire extinguisher or water supply nearby.
  •  Wear eye protection when lighting fireworks.
  •  Remove flammable materials from the area.
  •  Never point fireworks toward people, animals, vehicles or structures.
  •  Properly dispose of duds rather than trying to relight them.

Stay Safe on the Beach (if allowed in your area)

Swimming is a fun summer activity, and it’s good exercise. At the beach, lake, public pool or backyard pool, stay safe with these tips.

  • – Swim only in designated areas.
  • – Obey the lifeguard and all posted signs.
  • – Swim sober.
  • – Get out of the water during a storm or if you hear thunder or see lightening.
  • – Require children to wear life jackets.
  • – Don’t dive into shallow water.

Wear Sun Bathing Protection

Picnics are part of many July 4th celebrations. You should also take these protective measures.

    • – Wear sunscreen that’s at least 15 SPF.
    • – Remember to apply sunscreen to your ears, hair part and the tops of your feet.
    • – Avoid direct sunlight between 10 a.m. and 4 p.m. when the UV rays are strongest.
    • – Reapply sunscreen every two to three hours or more frequently if you’re sweating.
    • – Drink plenty of water even if you’re not thirsty.
    • – Wear a hat, sunglasses and long sleeves if you have to be in direct sunlight.
    • – Watch for signs of heat stroke, including hot, red skin, shallow breathing and rapid, weak pulse.

Please be safe out there, follow the rules and guidelines and have fun.

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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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