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7 years ago · by · 0 comments

The ABC’s Of Key Person Insurance

mp900401131-smallKey personnel tend to be one to two people that your company heavily relies on. These employees can be anyone from a partner to an operations manager or a site foreman. The contribution of these key personnel is essential to run your company. If one of the key personnel dies, where would you find the financial resources to keep your business up and running until you replace them?

The answer is a key person life insurance policy, which your business will receive all or most of the proceeds. This term may also apply to other coverages used for business continuation purposes, including 1) buy-sell or shareholder insurance which will reimburse partners or investors; 2) debt protection; 3) and revenue protection. You can use the policy benefit to replace lost income due to the unavailability of the key person and recruit, develop, and train a replacement.

The policy’s cash value might be available to your business through a withdrawal or loan, if needed. You could also split the premium and death benefit between the firm and the spouse of the key person to ensure that she or he receives replacement for the person’s economic value to the family. These premiums are not tax deductible.

What’s more, this coverage provides a financial asset that enhances the creditworthiness of your company for commercial lending (by ensuring that the business will remain in business if the key person is out of the picture).

When reviewing packages, get quotes on different amounts,anywhere from $100,000 to $500,000. Take into account what your budget allows versus how much the business would need to survive while you’re bringing a new person up to speed.

Our agency stands ready to advise you at any time.

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7 years ago · by · 0 comments

The Construction Supervisor: From Manager To Leader

mp900182819-5-smallYour supervisors play a crucial role in managing your workforce to ensure high productivity, quality, and safety outcomes. They need to have performance management (leadership) skills.

Communicating productivity expectations to employees, including coaching and counseling them to meet these goals, learning how to balance the need for production and concern for workers.

There are four possible scenarios in this balance:

  1. Low concern for both the workforce and productivity (“minimal management”). This will displease both management and workers, meaning the supervisor won’t be around long.
  2. High concern for people, but little interest in production (“Country Club management”). This will please workers, while making management unhappy.
  3. High concern for productivity, with little regard for the workforce (“autocratic management”). Although the company might meet its short-term goals, workers will be dissatisfied, leading to turnover and absenteeism issues that will make it tough to meet long-term production.
  4. A balanced high concern for both productivity and workers (“team management”). This is the best scenario because the project will probably exceed productivity goals, due to an involved and engaged workforce.

Good supervisors need management skills, but great supervisors must also have leadership skills. Managers do things right, while leaders do the right things. Managers get workers to achieve productivity goals, while leaders get them to exceed these goals.

The “situational” leadership approach gets the best results by combining elements of other leadership styles, “autocratic,” “democratic,” and “participatory.” To lead effectively, your supervisors must demonstrate integrity, fairness and a respect towards all workers, based on understanding immediate needs of the employees.

How well do your supervisors meet this test?

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7 years ago · by · 0 comments

Cold Weather Checklist — Be Prepared!

mp900406748-smallCold weather will be with us for a few months which can cause a variety of problems for contractors and their employees who work outdoors in winter weather.

To help your workers stay warm and safe on the job, follow these precautions:

  • Make sure that they keep their body temperature at or about normal by wearing layers of clothing, both inside and outdoors.
  • Provide proper rain gear, gloves, good waterproof boots, and an extra pair of clean, dry socks.
  • Have workers protect their neck and ears; they can lose a lot of heat from these areas.
  • Treat frostbite properly. The most important symptom is a numbing effect, which many workers tend to ignore. Other symptoms can include red skin turning to white, poor blood circulation, and blisters. To provide first aid: 1) never rub the frozen part in snow or immerse it in hot water (you can use warm water); 2) cover the affected area with extra clothing or a blanket; 3) get the worker out of the cold; 4) apply loose fitting, sterile dressings and splint and elevate affected extremities if possible; and 5) seek immediate medical attention.
  • Make sure that portable heaters are maintained and inspected on a regular basis. Defective ventilation and incomplete burning of fuel can lead to carbon monoxide poisoning. Locate fuel containers, regulators, piping, and hoses and secure them in sites where they won’t be subject to damage. Protect the valves from damage also.

Remember, the more effectively you help your employees stay warm and safe on the job, the higher their productivity,– and the lower your insurance premiums.

For more information, please feel free to get in touch with our agency’s Construction insurance specialists at any time.

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7 years ago · by · 0 comments

Are You Ready For A Car Crash?

 

safe-1142432_1920You know the drill after an auto crash, heart stopping panic, and then, especially if there’s major damage or a serious injury, exchanging names, addresses and insurance information with the other driver. Easy, right?

However, if the other driver refuses to provide these particulars (or you’re so shaken that you forget to ask for them), you could end up in serious financial, or even legal, trouble.

Dan Young, Senior Vice President of Insurance Relations for CARSTAR warns, “[After an accident] sometimes drivers just don’t do what they’re supposed to do.”

To make sure you’re prepared for such a mishap, follow these guidelines:

  • Remain at the scene. Although state laws differ, failure to exchange information or notify police can lead to a hit-and-run charge or loss of your license.
  • Keep a “cheat sheet” in your glove compartment about what to ask after an accident.
  • Use your cellphone to take a photo of the other vehicle, (preferably showing its license plate) as visual proof of the incident.
  • Write down details. As soon as you and your vehicle are out of traffic and harm’s way, record the date and time, location, make and model of the cars and actions or statements by the other driver.
  • Ask any bystanders or eyewitnesses for their names and contact information.

In the meantime, review your auto policy to make sure that you carry: 1) collision coverage, which will pay for repairing your car and providing a replacement vehicle, if needed and 2) uninsured/underinsured motorists insurance (UM/UIM), which will cover damages for injuries caused by an uninsured or underinsured driver.

For more information, feel free to get in touch with our agency

 

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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

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(831) 661-5697

Available 8:30am - 5:00pm