Each state has its own workers’ compensation laws to handle claims from employees who are injured on the job. These laws are strict liability – fault and negligence by the employer are not considered in order to collect benefits. Punitive damages are not available to the employee. The legal defenses available in a civil action such as comparative negligence and assumption of the risk are not available to the employer in workers’ compensation.
However, the injury or illness has to be incurred in the course of employment in order for the workers’ compensation system to provide benefits to the injured worker. Workers’ compensation is generally the exclusive remedy for an employee’s injuries or illnesses arising out of the course of employment. It is typically required by the state for every employee – although state law may provide for specific exemptions for officers/owners, small companies (those with three/four/five or fewer employees), domestic workers, farm hands, and independent contractors.
Fill out the form below and one of our helpful and friendly agents at Scurich Insurance Services will contact you to answer any of your questions about your worker’s compensation insurance policy!
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To help you make sure make sure that your business has the right Commercial Auto policy at the right price, we’d recommend following these guidelines:
Make sure to cover all vehicles that your employees drive on company business. This could include vehicles that employees own, lease, or rent – as well as those that the company owns.
Determine whether you need Personal or Commercial Auto insurance. You might be able to save money by covering vehicles with a less expensive Personal Auto policy in some situations — for example, by registering title to a vehicle in your name. However, if the company owns the vehicle, you’ll need Commercial Auto coverage. Bear in mind that a Personal Auto policy should include the contents of the vehicle, as well as medical costs if a driver suffers an injury on company business.
Be sure to comparison shop. Because every insurance company sets Commercial Auto premiums and coverages in its own way, prices (and values) can vary significantly. Because we represent a variety of companies, we can offer professional advice on finding a policy that’s tailored to your needs — and pocketbook. Just give us a call.
Contact any of the helpful and friendly agents at Scurich Insurance Services today with any questions regarding your commercial insurance policy!
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As seen in: Property Casualty 360 6/20/2012 By Arthur D. Postal
Last month the Senate rejected a particular amendment to the farm bill S. 3240 that “…would have stripped the Federal Crop Insurance Program (FCIP) budget baseline by $5 billion, leading to a 37 percent reduction in Administrative and Operating (A&O) funds, and would have reduced the overall program cap to $825 million.”
The Administrative and Operative funds was used partly to pay to pay the agents commissions of the agents upon the sale of crop insurance. The cut that was proposed would have been on top of additional cuts that have already been made.
Industry officials have been quoted at saying, “At a time when farmers are being asked to rely on crop insurance even more as their primary risk management tool, it seems irresponsible to further deplete the crop program of its critical resources,” according to Charles Symington, senior vice president of government affairs for the Independent Insurance Agents and Brokers of America.”
Scurich Insurance Services cares about any problems that you maybe going through on your farm. Contact any of the friendly and helpful agents at Scurich Insurance Services with any of your questions regarding your agriculture insurance policy.
Content was first stated by: http://www.propertycasualty360.com/2012/06/20/senate-rejects-amendment-that-would-further-cut-cr?t=agency-management&utm_source=PC360DailyeNews&utm_medium=eNL&utm_campaign=PC360_eNLs
Scurich Insurance Services did not originally write this content.
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As seen in: The Washington Times 5/24/2012 by Michele Lerner
There are many different ways that you can redo your home’s interior to make it more eco-friendly with either big or small projects around your home. One of the first things that you can do while beginning one of these these home renovation projects is to locally obtain or purchase your materials or reuse materials that you already may have around your home. Local products are anything that you can get within 500 miles from your place of residence.
Here are a few different eco-friendly ways that you can update your home:
- You can recycle and update furniture and other items you have around your home that have sentimental value to you to give them a whole new appearance.
- Reusing furniture for another use is another good way like making a kitchen table into a coffee table or bedroom dresser into an entrainment center
- Using products like reclaimed wood (if coming from a local source), IceStone, Terrazzo is considered to be eco-friendly because they are all products made from recycled material
Any questions regarding what is covered in your home insurance policies while completing some of these projects and many more around your home contact the Scurich Insurance Services today!
Content was first stated by: http://www.washingtontimes.com/news/2012/may/24/cover-story-going-green-in-small-ways/?page=all#pagebreak
Scurich Insurance Services did not create this content.
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As seen in: Forbes 6/29/2012 By Karsten Strauss
Sense the Supreme Court came back with a ruling stating that the Affordable Care Act was ruled to be constitutional because it is a tax, some small business owners are asking what the Affordable Care Act will mean to them. Besides from knowing that anyone you hire will be cared for and will not need to worry about health care costs, it means that you will have to operate with in certain guidelines while you are growing your business.
Many business owners do not like having to pay for something that they do not have to or do not want to have to. The Affordable Care Act will act like a tax for early staged companies and businesses. Business owners will be able to shop around for group health plans on new insurance exchanges unlike on individual plans like before which were pricey.
It is said that the act will allow people to not have to cling onto a job because of the fear of loosing their health insurance. There is also great speculation that patients will have to travel to other countries in order to get certain treatments that doctors in foreign countries specialize in. With the ruling being what it was, it seems that as a nation we will have to get use to the Affordable Care Act and discover what it can do to help you succeed.
Scurich Insurance Services cares about your health and your health insurance needs. Contact any of the helpful and friendly agents at Scurich Insurance Services today with any question about your health insurance or how the Affordable Care Act will affect you. Feel free to leave a comment about how you feel about the Supreme Courts ruling on the Affordable Care Act.
Content was first stated by: http://www.forbes.com/sites/karstenstrauss/2012/06/29/the-affordable-care-acts-impact-on-entrepreneurs/
Scurich Insurance Services did not write this content.
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Down through the ages Scurich Insurance Services expertise in Customer’s support we do not work for you but we work with you. Rather speaking about ourselves let our works speak by itself through our customers. In Business Review 360° our customers give away their feedback that confirms you are at right landmark for your insurance. Here are a few testimonials from our Business Reviews 360 page!
| Stacey T. Truckee, CA |
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I have had Scurich Insurance cover my home, vehicles, trailer and boat for so many years I can’t remember who I had last. I haven’t spent any time shopping around because due to previous experience I have been well taken care of after many incidents in my life that required assistance, attention and insurance coverage. To me that is worth any money that I might save by leaving for a less expensive company. Thank you.
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3/1/2012 |
| sharon j. watsonville, CA |
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| We have been with Scurich Insurance for over twenty years and have always been extremely satisfied with the services they provide our company. No high pressure sales pitch, just professionals who work with us to find the right policies to fit our business needs. The entire staff makes us feel as if we are their most important client. A rarity in today’s business climate. |
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1/31/2012 |
| Brian M. Claremont, CA |
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| My family has been with Scurich for two generations, and they meet all our needs. They are practical and reliable! |
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1/26/2012 |
| Danny L. Watsonville, CA |
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| I only wish I had started with Scurich Insurance sooner. |
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1/26/2012 |
| Jeff B. Carmel, CA |
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| I’ve been with Scurich Insurance Associates for many years. I really appreciate the personal service and professional approach they take with my business and my insurance needs. |
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9/27/2011 |
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