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4 months ago · by · 0 comments

To Bundle, or Not to Bundle

If you’ve ever shopped around for insurance, you’ve likely been asked if you want to bundle your policies—in other words, combine your home or renters, auto and life insurance policies with the same carrier. Although you have the option to shop around individually for each policy, it almost always makes sense to have the same carrier cover as many of your policies as possible.

Benefits of Bundling

  • The discount—Most policyholders bundle their policies because of the promise of a discount. The amount varies by provider but can generally range between 5-25 percent.
  • The option of a single deductible—With bundled policies, your deductible may be cheaper in the event of a claim that affects multiple policies. For example, if your home and auto policies are with two separate carriers, and a hailstorm damages your home and your car, you’re responsible for paying both your home and auto deductibles before receiving payment. But if you bundle your policies, your provider may offer you the option to pay only the higher of the two deductibles.
  • Less chance of being dropped—If you’ve made claims or gotten tickets, having your policies bundled with one provider can decrease the chance of them dropping you.
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When it Doesn’t Pay to Bundle

It isn’t always better to bundle your policies with one insurance carrier. Here’s when it may be better to split them up:

  • If you have tickets or past claims that make your auto insurance expensive—In this case, it may be cheaper overall to buy each policy from separate providers.
  • When premiums increase—Bundling discourages people from price shopping, which makes it easier for providers to increase their rates. Most assume that you won’t go through the effort of shopping around when your policies renew.
  • If policies aren’t technically bundled—Some carriers may insure you with an affiliated company. Although you may get a discount with that company, you’ll lose the convenience of paying your premium with one familiar provider.

A Few Tips to Consider

Although discounts are the main reason people bundle their insurance policies, never assume that bundling is the cheapest option. Your needs and circumstances will dictate whether you should combine your policies with one carrier. Consider the following tips:

  • Shop for new coverage when your policies renew, and ask for the price of the individual premiums as well as the price of the bundled premium so you can decide whether it is worth it. Just make sure you compare the same coverage when shopping for quotes from each carrier.
  • Ask if the provider uses a third-party insurance company. Remember that you may save money but lose the convenience of dealing with one provider and a combined bill.
  • Ask an independent insurance agent to get prices from multiple companies so you don’t have to do the legwork. An agent that is loyal to a particular carrier may be able to offer discounts that you can’t get alone.

With multiple factors contributing to the price of your insurance premiums, it is important to shop around in order to get the best rate for your insurance needs. Feel free to contact Scurich Insurance to determine if bundling is right for you and help you take advantage of all available discounts.

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2 years ago · by · 0 comments

Covering Your Non-Profit and Volunteer Workers

The challenge in running a non-profit is that it still takes money and resources. Just because you’re not interested in getting rich off of this idea doesn’t mean that money is not an issue. If a worker suffers an injury on the job, their compensation has to come from somewhere.

Something that may come as a surprise to many: Volunteers are not typically covered by worker’s compensation policies. In more states than not, worker’s compensation only covers, well, workers. If you are paying actual employees at food banks workers’ compensation insurance will cover their injuries. Likewise Meals on Wheels insurance policy will cover the organization’s workers. If you’re working with unpaid volunteers this is not the case.

Your volunteers may wind up covered by a general liability claim, but this is not always the case. If you want to make sure that your people are covered no matter what, then you’re probably going to have to bring them in as paid employees, or at the very least, under an internship program that includes medical and worker’s compensation benefits and so on.

A problem with relying exclusively on volunteers for your workforce is that you don’t really get to pick your staff from the best and brightest. Many who volunteer will bring their A-game, they will take the task just as seriously as they would take their day job. This isn’t always the case, unfortunately, and without any payment or compensation or even the safety net of worker’s compensation to draw talent, you wind up taking what you can get.

Non-profit doesn’t mean nobody gets paid. Non-profits are usually devoted to a humanitarian cause and their primary concern is not making anybody rich, but making a difference, but that doesn’t mean that everyone involved is simply donating time and resources without compensation. Typically you’re going to have benefactors and other income streams that will allow you to hire qualified people for your food bank, and provide them with the appropriate coverage they need in order to provide them, and you, with peace of mind.

To put it bluntly: a volunteer force is a great idea in concept. In reality, you’re asking some of the kindest, most generous people in the world to foot the bill themselves if they get hurt on the job. That’s a recipe for, if not a lawsuit, at least a guilty conscience. The most effective way to make a difference in the long term is to get some money behind your cause and treat your workers like you would paid employees at any other business.

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Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

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783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

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PO Box 1170
Watsonville, CA 95077-1170

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(831) 661-5697

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