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13 years ago · by · 0 comments


Your eyes are constantly at risk on the jobsite — whether you work in a manufacturing plant, a lab, or a construction site. Some studies show that about 2,000 eye injuries take place each and every day and Workers Compensation claims skyrocket. Sadly, 10% to 20% of these eye injuries result in temporary or permanent vision loss.

Perhaps even more eye-opening is this statistic: Three out five people who suffer from eye injuries were not wearing eye protection when the accident occurred. If you want to shield your eyes from harm on the worksite, read on to learn more about jobsite eye injuries and how to prevent them with the proper protective eye wear.

The Usual Suspects: Common Causes of Eye Injuries

Although there are countless causes for jobsite eye injuries, some of the most common offenders are:

  • Flying objects: About 70% of jobsite eye injuries are caused by flying debris or falling objects, according to a Bureau of Labor Statistics Survey.
  • Chemicals: Many injuries are the result of eyes coming into contact with dangerous chemicals.
  • Negligence: Poor maintenance, substandard safety habits, the misuse of tools, and improper eye protection result in a great deal of eye injuries.

Eye Protection 101

It is extremely important to choose the right eye protection for your specific job. The Occupational Safety and Health Administration (OSHA) requires that employers provide workers with suitable eye protection. Some workers might need to use a different type of eye protection from day to day or even hour to hour as their duties change. Here are the different types of eye protection available to workers:

  • Goggles: If you work around a lot of liquid pesticides, toxic chemicals and/or dust, goggles might be your best option. They provide better protection against splashes and dust than safety glasses. Make sure that the goggles fit tightly against your face for the ultimate protection. This will reduce Workers Compensation claims.
  • Glass eye protection: Not only are glass lenses less likely to scratch, but they can withstand chemical exposure as well as protection from flying objects. Additionally, if you have vision problems, you can get prescription lenses.
  • Plastic and polycarbonate eye protection: These eye protection products are generally lightweight and protect well against welding splatter. Although they are less likely to fog up, plastic and polycarbonate products are not very scratch resistant and do not accommodate prescriptions.
  • Shielded safety glasses: If you job requires safety glasses, make sure to choose shielded safety glasses. Shields will offer your eyes more protection from flying debris as well as chemicals suspended in the air.
  • Full face shields: If you work in an environment where you could be exposed to an airborne substance, you should wear a full face shield. However, a face shield alone is not enough to protect your eyes — wear approved safety glasses beneath the shield.

For more information on different ways to keep Workers Compensation claims down, visit our website today!

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13 years ago · by · 0 comments

Personal Car for Business, Company Car for Personal Use?

Commercial Auto Insurance

Do you use your personal car for business? Do you have access to a company car? If the answer to either question is yes, you could have potential coverage gaps.

Example. Let’s say you use your personal car for business. It’s possible your employer is providing some coverage for you through your employer’s commercial auto policy. In most cases the coverage is for liability only, and often this commercial auto policy doesn’t even apply until the limits on your personal auto policy are exhausted. (This is what insurance people call “excess” coverage.)

You should talk to your employer about what, if any, coverage is available to you through the company’s Commercial Auto Insurance. That way, if you have an accident while on company business, you know who (or which insurance company) to call.

If you use your personal car for regular business purposes – trips, visiting clients, etc. – your personal auto policy probably provides enough coverage for these activities. (Assuming you have “enough” coverage to begin with.)

But what if your car is actually a source of revenue? You make deliveries, for example. In that case, you likely need a Commercial Auto Insurance policy as well.

If you have an accident while delivering a product or using your car as a taxi, your personal auto insurer may deny your claim. Talk to your agent to make sure you have coverage for all the business activities for which you use your car.

What about company cars? They can be an insurance problem, if you use the company car for business and pleasure, particularly if you don’t have a car of your own. If you don’t have a car, you probably don’t have a personal auto policy. If you don’t have a car (or personal auto coverage) and use a company vehicle for pleasure, you are inviting disaster if you have an accident during a pleasure trip.

If you are in this situation, you should have what is called a non-owned personal auto policy.

Such a policy can also come in handy if you don’t have a car and you rent a vehicle on a trip. Your non-owned auto policy will cover you and your rental car if you have an accident. Otherwise, you would probably need to buy coverage from the rental car company, coverage that is very, very expensive.

You can have coverage gaps even if you have a personal auto policy and use a company car for pleasure or if your spouse or children use the company car for pleasure. Find out from your employer the extent of coverage that is available for your corporate car. Once you know the extent, talk to your insurance agent about any additional coverage you might need.

For more information on Commercial Auto Insurance, please visit our website today!

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13 years ago · by · 0 comments


Workplace Violence

A former employee with a grudge against his supervisor enters the workplace armed with a gun and kills the supervisor and three other employees before turning the gun on himself.

After the incident, co-workers said that when the employee was fired, he threatened to “get” the supervisor.

Unfortunately, nobody took him seriously.

You’ve heard stories like this on the evening news, and maybe there’s even been an incident in your area.

No one should fear violence on the job. According to the Society for Human Resource Management, workers rank feeling safe in the workplace as their third-highest job satisfaction priority.

To help prevent violence and make your workers feel safe, take these steps:

•             Communicate and enforce a zero-tolerance violence prevention policy that prohibits workers from bringing into the workplace any weapon or other objects that could be used in a threatening way, assaulting or threatening to assault someone, or engaging in such hostile behavior as destroying property, stalking fellow workers, or obsessing on a grudge.

•             Investigate any violation of this policy, and take appropriate disciplinary action (up to, and including, dismissal in severe cases). For less serious violations, counseling in addition to discipline, might be more effective. Employees who need help dealing with personal or work problems that generate anger or hostility should be able to take advantage of an Employee Assistance Program.

•             Make it easy for employees to report threats or incidents of violence, whether they involve co-workers, customers, suppliers, visitors, or even people unrelated to the workplace – for example, a violent spouse or partner who comes into the workplace to act out domestic violence. Make sure your workers understand that anyone who comes forward or who participates in any investigation of workplace violence will not face retaliation and will receive protection from predators.

•             Provide options for employees who are victims of violence, feel threatened, or witness a violent or potentially violent situation. If there are immediate safety concerns, the employee or a co-worker should call 911. Otherwise, first encourage the employee to approach their supervisor or manager. If this person is unavailable, employees can go to Human Resources or the head of company security.

Workplace violence is a real problem in today’s society. Ever evolving Risk Management resources are making employers jobs a lot more manageable in the workplace.

For more information on other Risk Management factors in your Business, visit our website today!

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13 years ago · by · 0 comments


Got Flood Insurance?

Don’t wait until the weather forecast calls for prolonged heavy rains before buying flood insurance. While this practical insurance can be purchased anytime, the policy does not take effect for 30 days. As the most common natural disaster in the country, flooding ruins millions of dollars of homes and property every year. Even so, flooding is not commonly covered in your typical homeowner’s insurance policy, making it necessary to purchase additional coverage for this costly, devastating disaster.

If you are in a high-risk flood zone, a federally regulated lender will require a would-be borrower to buy flood insurance in order to qualify for a mortgage loan. To satisfy the lender, flood insurance must be purchased in an amount that sufficiently covers the loan.

A homeowner should also buy flood insurance if he or she resides in a flood plain with no failsafe controls, such as a dam. Flood policies even pay off if the President does not declare the area a federal disaster area, which can prove to be invaluable. Because the nation’s Chief Executive Officer rarely issues such a declaration, protecting yourself is extremely important. Besides, you have to repay the federal aid you receive for home repairs related to a natural disaster so providing your own protection is the only way to ensure financial recovery suffered from flooding.

Not all homes qualify for flood coverage. For instance, flood insurance for beachfront or ocean-side property may not be available for the obvious reasons.

The Federal Emergency Management Association (FEMA) reports that more than 20,000 communities have agreed to tighter zoning and building measures to control floods. Residents of these communities can buy flood coverage from the National Flood Insurance Program (NFIP), which FEMA oversees. As of 2009, NFIP had 5.7 million flood policies enforce nationwide.

Premiums for flood insurance vary widely, depending primarily on individual risk. In determining price, Personal Insurance underwriters consider several factors including the property’s elevation, proximity to bodies of water, and whether the dwelling has a basement. Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters.

Call out office today! We’d be happy to assist you with your Personal Insurance needs, and  through the murky waters.

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13 years ago · by · 0 comments

What type of Insurance would a farmer need?

Farmer’s insurance is the best way to manage different sources at right time and at proper place. This way can improve your operations and utilize them in the progress of your firm. All the insurance companies would follow the terms and conditions of Farmer Underwriter Association. Farmer’s insurance companies will not be the owners of reciprocal inter insurance exchange. As a farmer, if you have to face loss in your business then the insurance company would bear some ratio of your loss. If the farmer has insurance then there is no need for him to worry about the loss that occurs. There are different types of farmer insurance that are provided by insurance companies:

Auto insurance:- This would give guarantee of the damage that is caused to farmer’s machinery. By taking this farmer can avail assurance of their machinery to some extend.

Home Insurance:- This policy would give security for the damage that is caused to farmer’s property like their home or to your shops. In this insurance, the farmer will get money for the he had incurred due to any natural calamities like earthquakes, or flood. At the same time, loss due to theft is also covered in home insurance.

Financial Insurance:-This will give help during financial crisis. If the farmer has any financial problem then he/she can opt for this insurance policy.

Business Insurance:Farmers can use this insurance to pay their dues to their landlords and can take back their property from their landlords. They can use this policy to build their own shop or any other source to earn money. Or they can use this policy to recover the loss that they have incurred due to some calamity. This is the best way to face the situation as it can overcome the financial affect within short span of time.

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

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

PO Box 1170
Watsonville, CA 95077-1170

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