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8 years ago · by · 0 comments

Don’t Let Drivers Use Their Cell Phones!

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A survey by the Centers for Disease Control and Prevention (CDC) found that 69% of U.S. drivers talked on their cell phones – and 31% read or sent text messages or e-mails while driving. “The cell phone can be a fatal distraction for those who use it while they drive,” warns CDC Director Thomas Frieden.

Using cell phones to text behind the wheel can increase the danger of fatal crashes by six to 23 times, and drivers using hand-held devices are four times more likely to become involved in crashes serious enough to injure themselves.

You probably have rules about employees talking on their phones and texting while driving – but are they following them?

According to Jim Evans, president of human resources consulting firm JK Evans & Associates, some bosses turn a blind eye to cell phone use behind the wheel, while others don’t want to cut into their employees’ productivity. His advice to employers: “Dust off the old cell phone policy or unwritten practices and revisit whether employee safety and employer liability is at risk.”

To minimize this danger, your company should require employees who drive on the job to:

  • Turn off personal phones or switch them to silent mode before entering a company vehicle.
  • Pull over to a safe area if they need to make a cell phone call or send or answer a text message.
  • Ask a helper or another passenger to make a return call.
  • Contact supervisors or dispatchers when the vehicle is parked.
  • Avoid smoking, eating, drinking, reading, and any other activities that distract them behind the wheel.
  • Tell people who call them while driving that they’ll call back after reaching their destination.
  • Not send or answer text messages, surf the Web, or read e-mails.

 

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8 years ago · by · 0 comments

Builders Risk Insurance: A Must-Have

Your last newsletter discussed the benefits of Building Ordinance insurance. If you’re planning to build on your property or adding to an existing structure, a related policy – Builders Risk – can protect you from losses during construction, helping make sure that you finish the project.

The amount of coverage should reflect the total value of the completed structure (including the costs of material and labor, but not the value of the land). In most cases, the construction budget will be the best source for calculating this amount.

The policy is usually written for a period three months, six months, or 12 months. If needed, the term can be extended once.

Builders Risk covers damage to the insured structure(s) from a wide variety of causes, ranging from natural disasters (wind, lightning, hail, and lightning) through accidental events (fire, explosion, or vehicle accidents) to human activities (such as theft and vandalism). Coverage usually also includes:

  • Fire department service charges for saving or protecting property from a covered cause of loss.
  • Removal of debris from property damaged by a covered loss.
  • Losses from the backup of sewer and drains.

Most policies exclude losses from earthquake, flooding employee theft, mechanical breakdown, contract penalties, war, government action, or faulty design and workmanship. You might be able to add coverage for some of these exclusions – such as earthquakes and flooding – if the building is in an area that’s prone to one or both of these natural disasters.

Bear in mind that this policy does not provide Liability coverage for accidents or injuries on your property.

We’d be happy to tailor a comprehensive Builders Risk product that fits your needs – and budget. Just give us a call.

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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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(831) 661-5697

Available 8:30am - 5:00pm