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4 years ago · by · 0 comments

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One of the biggest factors that goes into your workers’ compensation premiums are the classification codes for each type of work done at your business. Each of these codes has an associated loss cost that represents the expected amount insurers will need to pay for a claim. And even though each of these costs are standardized by the National Council on Compensation Insurance or state governments, your actual premiums may be higher because of a
Business Insurance, Business Protection, Risk Management
On Dec. 22, 2017, President Donald Trump signed into law the tax reform bill, called the Tax Cuts and Jobs Act, after it passed both the U.S. Senate and the U.S. House of Representatives. This tax reform bill makes significant changes to the federal tax code. The bill does not impact the majority of the Affordable Care Act (ACA) tax provisions. However, it does reduce the ACA’s individual shared responsibility (or individual mandate) penalty to
Business Insurance, Business Protection, Employee Benefits, Employee Engagement Review, Employee Matters, Employment Resources, Health Insurance, Insurance Tips, Insurances, News, Personal Insurance
On Jan. 23, 2019, the Occupational Safety and Health Administration (OSHA) published a final rule that increases the maximum penalty amounts the agency may assess against employers that violate workplace health and safety requirements. For most violations, the new maximum penalty amount is $13,260. For willful or repeated violations, the new maximum penalty amount is $132,598. Federal law requires OSHA to increase its penalty amounts by Jan. 15 every year. Because the federal government shutdown
Business Protection, OSHA, Risk Management, Tips and Tricks
Cyber security threats and trends can change year over year as technology continues to advance at alarming speeds. As such, it’s critical for organizations to reassess their data protection practices at the start of each new year and make achievable cyber security resolutions to help protect themselves from costly breaches. The following are resolutions your company can implement to ensure you don’t become the victim of a cyber crime: Provide security training—Employees are your first
Business Insurance, Business Protection, Cyber Liability Insurance, Cyber Security Awareness, Insurance Tips, Insurances, Liability Coverage, Risk Management, Tips and Tricks
  Strong storms can be a concern for any employer, but businesses that have employees who frequently work outdoors also need to consider the substantial risks of lightning. According to the National Oceanic and Atmospheric Administration, there are approximately 25 million cloud-to-ground lightning strikes in the United States every year. Although about 90 percent of people struck by lightning survive, these discharges can cause serious and permanent disabilities. And, even if your employees aren’t hurt
Business Protection, Risk Management
Coinsurance is one of the most complicated and misunderstood terms in insurance. This concept is commonly included in a number of different policies, including property, health and directors and officers. However, coinsurance works differently for each type of coverage, and businesses that don’t understand how it applies to property insurance may find their claims lowered unexpectedly. Coinsurance is a common aspect of many commercial property policies. These clauses are essentially penalties that carriers use as
Business Protection, Risk Management

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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