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1 month ago · by · 0 comments

How Technology Can Boost Workplace Safety

More than 14 people a day died while doing their jobs in 2016, highlighting the need for safety and procedural enhancements at their workplaces. Employers are starting to embrace new technology, such as the following, in an effort to improve worker safety:

  • Exoskeletons—Workers can wear exoskeletons to transfer weight from repetitive tasks and use less energy when moving objects. The result is a reduced risk of injuries as well as increased strength, dexterity and productivity. 
  • Virtual reality—This technology replicates physical environments and presents training opportunities for employees. It also allows workers to simulate hazardous tasks and identify safety needs. More benefits are expected as technology matures.
  • Wearables—Wearable devices offer real-time monitoring of workers’ vital signs and can alert workers to the presence of environmental dangers. They can also cut health care costs by reducing health risks such as respiratory problems, cancer, dermatitis and hearing damage. An added bonus to employers is that wearables can provide an idea of what may have caused an employee’s injury before filing a workers’ compensation claim.
  • Hand-held mobile devices—Although the use of mobile devices can be a distraction and safety liability, there are useful apps that detect safety hazards, log safety incidents, track OSHA requirements and even determine when the heat index is too high on job sites. The key to improving worker safety with hand-held mobile devices is using them responsibly.
  • Drones—Sending drones into high-hazard areas instead of humans helps safely assess damage and plan emergency response.

Incorporating data science

Aside from new devices, data science has enabled companies to analyze photos from job sites and then scan them for safety hazards, using an algorithm that correlates those images with their accident records.

Although the technology still needs some fine-tuning, companies can use such algorithms to rate project risks. As a result, the technology could prove extremely helpful in detecting elevated threats and then intervening with safety briefings.

TIME TO GET ON THE CLOUD

By using the cloud, companies have been able to completely overhaul the way they interact with each other and with their workers. In a nutshell, the cloud consists of multiple networks of servers that allow apps to be accessed anywhere through the internet instead of confined to a particular computer or network.


Businesses that have projects and crews in multiple locations especially appreciate the benefits of the cloud, since it is efficient and allows for the seamless transfer of information and monitoring of workers’ safety.

SUCCESSFULLY DEPLOYING NEW TECHNOLOGY

New technology can be a waste of money if you don’t deploy it properly. It’s easy to get caught up in the wow factor of technology and lose sight of what you’re hoping it will improve. Without a plan in place for deployment, you may be wasting your investment.
Before seeking out new technology, consider ways to improve your processes. After improving your processes, you can identify gaps that new technology can address. No amount of technology will help if your processes are what need to be fixed.

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2 months ago · by · 0 comments

Essential Insurance Products For Your Startup Business

Starting a business is rewarding, but it’s also expensive. In your haste to pursue your passion or make a profit, you may decide to forgo insurance. However, you need at least basic coverage as you protect your assets and help your new company succeed. Purchase the right insurance products for your startup, and invest in your business and yourself.

General Liability Insurance

Although your business is brand new, you could be sued. Someone may suffer an injury while visiting your property or while using a product you sell. Or you could be sued for libel or slander. General liability covers your financial responsibility from a lawsuit, claim or settlement. This protective coverage is one of the most important insurance policies you can buy.  

Commercial Property Insurance

Protect your physical assets with property insurance. It insures your building, inventory, office equipment, and other assets. This insurance product also protects your business from vandalism, theft, fire, and storms. You can purchase property insurance for the items you own, rent or lease, and you can alter coverage limits as your company grows and expands.

Business Owner’s Policy

A business owner’s policy (BOP) combines your general liability and commercial property insurance policies. With a BOP, you can save money while ensuring your business remains protected from theft, fire, lawsuits, and other risks. While all startup businesses do not qualify for a BOP, you can talk to your insurance agent to confirm your options and find the right coverage for your needs.

Commercial Auto Insurance

With your fleet of automobiles, you and your employees can visit clients, make deliveries and perform other company tasks. Your personal car insurance won’t extend to company vehicles, so purchase a commercial auto insurance policy. Otherwise, you risk losing important assets if your company cars are involved in an accident, cause property damage, injure someone, or are damaged due to a theft or vandalism.  

Workers’ Compensation

Protect employees with Workers’ Compensation insurance. It pays for medical treatment, short-term disability, lost wages, and other expenses employees incur after they suffer a work-related illness or injury. You’ll only need this coverage if you hire employees, but it’s essential coverage in this situation.

Flood Insurance

Whether your business sits in a known flood zone or at the top of a hill, you could lose valuable assets during a flood. In most cases, your commercial property insurance policy won’t cover flood-related claims. Purchase flood insurance to protect your company.

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3 months ago · by · 0 comments

Because identity theft and data breaches are becoming an ever-growing problem, it’s important to not only have a different password for each account, but to make those passwords easy to remember and hard to guess. The following are tips you can use to make your password harder to crack:

  1. Change your passwords every 90 days. This might seem like a hassle at first, but hackers have a better chance at cracking your passwords if they never change. It’s also a good idea to avoid reusing passwords.
  2. Make your passwords at least eight characters long. Generally, the longer a password is, the harder it is to guess.
  3. Don’t use the same password for each account. Hackers target lower security websites and then test cracked passwords on higher security sites. Make sure each account has a different password.
  4. Include uppercase letters and special characters in your password. Special characters include symbols like “#,” “*,” “+” and “>.” These symbols can make your password more complex and harder to guess.
  5. Avoid using the names of spouses, kids or pets in your password. All it takes for a hacker to crack passwords that include these things is a little research on social media sites like Facebook and Twitter.

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4 months ago · by · 0 comments

Disaster Relief for Farmers

Flooded barns and lost crops are just a couple of the emergencies farmers have to deal with after a natural disaster. Thankfully, there are federal programs and resources available to help with some of the costs, but seeking them out can be confusing and time consuming. The agency you contact will depend on the type of damage you have, so a farmer may have to go to three separate agencies for help.

Disaster Relief – Helpful Links

3 STEPS TO POST DISASTER RELIEF

It can be overwhelming trying to navigate the different programs available. Here, we break it down into three steps:

Step 1: Take pictures. Disaster programs need documented damage, so take pictures before you clean up, and take note of specific losses. Save receipts for any purchases you need to make during recovery.

Step 2: Know what programs for coverage are available. There are several different programs that address different needs of hurricane relief. For example, the Farm Service Agency (FSA) handles assistance specific to farms and farmland. The Small Business Administration handles disaster assistance for businesses. The Federal Emergency Management Agency handles household damages and reconstruction.

Step 3: Be aware of important deadlines. Each program has different application processes and different deadlines. Make sure you get your applications in on time.

  • If seeking the help of an FSA program, be aware that most have an application deadline of 30 days after the damage or loss occurs.
  • If damage prevents you from planting, complete a Notice of Loss form and submit it to your local FSA office within 15 days of the planned planting date to determine eligibility.
  • If you participate in Risk Management Agency (RMA) federal crop insurance, report the damage within 72 hours of discovery, and follow up in writing within 15 days. 

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4 months ago · by · 0 comments

What You Need To Know About The 2018 Construction Risk Conference

The International Risk Management Institute’s Construction Risk Conference (CRC), held from November 4-7, 2018, in Houston, Texas, is designed for construction professionals like you. If you decide to invest in your business and attend this conference, here’s what you need to know.

What is the CRC?

Held annually, the CRC brings together a variety of experts who share up-to-date information about construction industry risks, insurance trends, and strategies and tactics you can take to avoid risks. This year’s sessions include:

  • Kathy Antonello, Chief Actuary at the National Council on Compensation Insurance, will discuss “Workers Compensation Trends and Challenges in Construction.” You’ll learn about trends, challenges and ways to manage your Workers’ Compensation program.
  • The View from My Seat offers tools you can use to manage new technologies, labor shortages, law and regulation changes, and other evolving construction risks.
  • Jim “The Rookie” Morris shares his inspirational and motivational story.
  • Breakout Sessions and Snap Talks dive into topics like contracts, design liability, construction delays, and your supply chain.

Who Attends CRC?

The CRC is designed for a variety of people who work in the construction industry. It’s important for: 

  • General contractors.
  • Subcontractors.
  • Project owners and managers.
  • Developers.
  • Construction lawyers.
  • Insurance agents, brokers, underwriters, and adjusters.
  • Consultants and service providers.

Why should you Attend CRC?

Consider attending the CRC to gain five benefits.

  • Gain knowledge about emerging risks, trends and solutions. As you understand new threats in your industry and to your business, you’ll also learn how to manage these challenges in ways that protect your company.
  • Position yourself as an expert. Attending a conference will enhance your knowledge and understanding. Use the information you gain to improve your business offerings and reputation as an expert.
  • Expand your network. Meet and collaborate with other construction professionals as you strengthen valuable relationships and share advice and support.
  • Identify your insurance needs. After learning more about your risks, you can identify and purchase the right insurance coverage for your business.
  • Rejuvenate your mind and body. While you’ll listen to experts and network with peers, you also have time to rest and relax, which allows you to return to work mentally and physically refreshed.

How do you Register?

Registration is open until November 7. However, you can take advantage of the Standard rate and save $400 when you register before October 12. Save even more with the discounted rate that’s available to project owners and contractors. Also, remember the IRMI Conference Guarantee. You can request a registration fee refund if you don’t get your money’s worth from the CRC.

Invest in yourself and your construction business when you attend the 2018 IRMI Construction Risk Conference. It’s good for business.

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5 months ago · by · 0 comments

The Dangers of Job Site Cellphone Use

According to a recent study, the average person checks their cellphone 100 times a day. While there is a time and a place for cellphones, using it at the job site can be extremely dangerous.

If you’re distracted for just a second while operating a power tool, working on a roof or driving a forklift, you can injure yourself or a co-worker. You can also face civil or criminal liability for damages you cause by operating a motorized vehicle while using a cellphone.

It isn’t only operators of machinery who need to be mindful of the dangers of cellphone use on the job site. Simply looking down at your cellphone and not paying attention to your surroundings could put your life in danger.

Cellphone Safety Tips When On-site

The Occupational Safety and Health Administration (OSHA) prohibits cellphone use by operators of cranes and similar equipment. Most organizations prohibit any kind of cellphone use on the job site—not just for crane operators. It is your responsibility to know how your company’s rules apply to you and follow them accordingly.

If you struggle with the temptation to check your phone while working on a job site, consider the following safety tips:

  • Get in the habit of sending and receiving text messages before or after your shift, or during one of your breaks.
  • Remind family and friends that you may not be able to respond to their messages right away. Provide them with your workplace contact information in case of emergencies.
  • Turn off push notifications so you’re not distracted by any apps.
  • Don’t carry your cellphone on you if the temptation to check it is too much. Instead, leave it in a safe place where it won’t distract you from your job.
  • Follow your workplace policy for cellphone use at work and on the job site. Be aware of any cellphone-free zones.

Besides creating enormous safety risks, employees who are texting at work are not doing what they are getting paid to do. For this reason, these workers may be subject to disciplinary action.

If you have questions about ’s workplace cellphone policy, or if you notice inappropriate cellphone use on the job site, don’t hesitate to discuss it with your supervisor or HR.

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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