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8 months ago · by · 0 comments

Protect Against Risks With an Umbrella Policy

In the event that someone is injured on your property and you are found legally responsible, you could be faced with a costly financial burden. In fact, without a personal umbrella liability insurance policy, any expenses beyond the limits of your standard policy are your responsibility. This applies to your homeowners, renters, automobile and watercraft insurance policies.

Personal umbrella liability insurance provides an extra layer of protection over your personal assets for when your standard liability coverage is exhausted.

Personal umbrella liability insurance provides an extra layer of protection over your personal assets for when your standard liability coverage is exhausted.

Engaging in everyday activities can put you at risk for a lawsuit. Simple things like having a swimming pool or entertaining guests in your home can increase the chance that someone will get injured and sue you. To minimize your risk, consider a personal umbrella liability policy.

Why is a personal umbrella liability policy important?

It works to fill the gaps in your coverage and provides the following benefits:

  • When litigation ensues, it’s typically for a large amount. If you get into a car accident and injure several people, you could be sued for millions of dollars; well beyond the limits of your automobile policy. You can also be held responsible if your dog bites someone, if your child injures another kid in a fight at school or if a handyman hurts himself at your home.
  • Umbrella policies cover legal fees because the insurance company assumes the risk, not you.
  • Coverage is inexpensive and easy to obtain. Just give us a call to add it on to your current policy.
  • You’ll have peace of mind knowing that you are covered in case of a fluke occurrence.

How much coverage do you need?

Take into consideration your total personal assets and your potential for personal risks when determining how much coverage you need.

A wide range of factors, such as whether you have hired help, if you have teen drivers at home or if you operate your business out of your home, will determine how much coverage is appropriate for your circumstances.

What are the policy limits?

A $1 million limit is typical and higher limits are available.

Contact us today to determine how much coverage is right for you.

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2 years ago · by · 0 comments

Holiday Prep and Safety

gift-444519_1920The holiday season is here, and it’s time to celebrate. As you prepare your home, follow several safety tips that help your holiday season be merry and bright.

Indoor Decorations

Miniature houses, ceramic reindeer and scented candles add a festive dimension to your home during the holiday season. Be sure to keep fragile items away from the edge of tables or mantles and out of small children’s reaches. Extinguish any candles before bedtime or leaving the house, too.

Christmas Tree

A traditional symbol of the holiday, your Christmas tree looks pretty as its light twinkle. Keep your family safe when you secure the tree into a sturdy stand. Water your real tree regularly or choose a fire-resistant artificial tree to prevent a fire. If you use lights, don’t use frayed strands, hide the light power chord under a rug to reduce the tripping hazard and unplug the lights before you leave the house or go to bed. Remember to hang ornaments out of reach or place a baby gate around the tree, too, to protect children and pets.

Gifts

Share joy this holiday season when you give gifts to your loved ones. Remember to keep all gift wrapping supplies away from pets that may eat shiny ribbons and get sick. Also, purchase adequate insurance for jewelry, art and other expensive gifts. To prevent thieves from stealing your holiday joy, hide gifts until Christmas morning, secure your house with a security system and keep the windows and doors locked.

Outdoor Decorations

Whether you go all out when decorating your house and lawn or simply hang a wreath on the door, follow outdoor decoration safety. Always use a ladder to hang lights on your house. Don’t overload electrical outlets, either. As a rule, connect only three outdoor extension cords together in one strand.

Visitor Prep

Welcoming visitors is part of the season’s fun. Clear the walkways of ice and debris before guests arrive. Consider installing extra lighting, too, to prevent falls and trips. When preparing food, follow food safety guidelines. Store fresh foods at the correct temperature, cook foods thoroughly and place leftovers promptly into the fridge.

The holiday season is a joyous time of celebration. Follow these safety tips as you decorate your home and welcome guests. Contact your insurance agent, too, to update your home insurance policy and insure all your gifts.

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2 years ago · by · 0 comments

Stay Safe While Exercising This Summer

You might love the warm summer temperatures, but they can be dangerous when you are working out. If you are not careful, you could end up with dehydration or heatstroke. The following tips can help you keep up stay safe while you stay in good shape over the summer.

Exercise During the Cool Parts of the Day

Avoid the intense heat of the noon-time sun when possible. Instead of going for a walk during your lunch break, exercise early in the morning when temperatures are lowest. Another option is to wait until the sun goes down and the temperature starts to drop in the evening. If you work out before dawn or after sunset, wear reflective clothing so that car drivers can see you more easily. If you exercise during the day, use sunscreen.

Stay Hydrated

You can quickly become dehydrated when you exercise. To prevent dehydration, men should drink 12 8-ounce cups and women should get 8 cups of water per day. You need extra water when the weather is windy or dry.

Consume an additional 2 cups of water about an hour before your workout, and drink 8 ounces of water every 15 minutes while you are exercising. Weigh yourself before and after your workout, and drink an additional 16 ounces, or half-liter, of water for every pound that you lost during your workout.

Symptoms of mild dehydration can include thirst, headaches, fatigue, muscle cramping and muscle weakness. Stop exercising and drink some water immediately if you notice these symptoms.

Adjust Your Exercise Program

Be flexible with your exercise program during the summer. Water activities, such as swimming laps or taking water aerobics classes, can give you an excellent aerobic workout while you stay cool compared to participating in activities such as running or cycling. You can also adjust your workout program while maintaining a high level of fitness by lowering the intensity of your exercise sessions on hot days.

Finally, you can opt for indoors workouts instead of heading outdoors. You can follow an exercise DVD in your own air-conditioned home, or go to a health club with air conditioning. There, you can run on the treadmill, use the stationary bikes or elliptical machines, lift weights, and take group fitness classes without exposing yourself to the sun.

With a bit of caution, you can have fun, stay fit, and stay safe this summer.

 

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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

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Info@ScurichInsurance.com

(831) 661-5697

Available 8:30am - 5:00pm