Happy New Year!
May this year brings all the desired success and happiness in your life that you can cherish always. Wish you a successful and prosperous 2016.
May this year brings all the desired success and happiness in your life that you can cherish always. Wish you a successful and prosperous 2016.
It’s the Holiday season and we just wanted to say
‘ Thank You ’
and that…
It’s been a pleasure working with you this year…
Hope you and your family have wonderful Holidays and…
A Happy New Year.
“But he that filches from me my good name/Robs me of that which not enriches him/And makes me poor indeed.” – Shakespeare, Othello, act iii. Sc. 3.
Identity theft is a huge problem in the United States. Did you know that identity thieves stole approximately $21 Billion from victims in 2012? This equates to one incident of fraud every three seconds. That’s scary. In every minute, 20 acts of fraud occur. When you keep adding up the numbers it looks horrific. Most victims don’t know until it’s too late that they have become a victim of identity theft. If you are one of the victims of identity theft, we have listed a few things for you to do:
Following the above guidelines will help minimize any future thefts. We hope that you never have to use this list.
As you get ready to bundle up for winter, consider prepping your home, too. Several tips ensure it is protected and comfortable all season.
Inspect and Clean the Chimney
Whether you have a fireplace or wood stove, the chimney needs to be professionally cleaned and inspected. Remove any debris or creosote buildup, and repair any cracks or chips before you start your first fire of the season.
Change the Furnace Filter
Dust and other debris can compromise your furnace filter’s ability to do its job. Improve your furnace’s functionality and longevity when you change the filter this fall.
Install Detectors
Smoke detectors and carbon monoxide detectors are essential in your home year round but especially during the winter months. Install these detectors on each floor, and test them at least once a month.
Repair the Roof
By repairing roof leaks and loose shingles now, you prevent damaging leaks and expensive emergency repairs.
Trim Trees
High winds can blow tree branches into your home and cause extensive damage. Trim branches now as you protect your home.
Boost Insulation
An extra layer of insulation goes a long way towards keeping your home cozy. Consider insulating the hot water tank and water lines along your home’s exterior walls. You can also insulate the attic, basement, exterior walls, crawlspaces and outlets as you prepare your house for winter weather.
Apply Weatherproofing Materials
Windows and doors can be a major source of drafts and lost heat. Apply caulk or weather-stripping material to improve your comfort and reduce heating expenses. For even bigger savings, install insulated doors and thermal-pane or storm windows.
Stock an Emergency Kit
Power outages are common when heavy storms hit your area. Be prepared with an emergency kit. It can include items like extra non-perishable food, a manual can opener, bottled water, first aid kit, battery-powered radio, blankets, flashlight, batteries, hand sanitizer, portable toilet and activities.
Preparing your home for winter protects your investment. In addition to implementing these tips, ensure your home insurance is adequate. Then sit back and enjoy the season in comfort.
According to the U.S. Chamber of Commerce, crime, from burglary and shoplifting to fraud and embezzlement, plays a role in up to 30% of business failures. To help protect your company (and keep your insurance costs under control), use this checklist:
Employees:
Money:
Property:
Our experts stand ready to review your security procedures at any time. Just give us a call.
The holidays are almost upon us and alcohol will be flowing at company parties throughout the land. Beware! If an employee or guest gets inebriated at a social function sponsored by your business and then injures another person, you could be held liable.
Consider this scenario: After polishing off four eggnogs in an hour at the company’s Christmas party, one of your workers toddles off to his car. The employee almost makes it home when he runs a red light and T-bones a car. The car is damaged and injures the driver. The driver then sues your business for negligence in allowing the employee to drive home although he was clearly “under the influence” at the company party.
What’s more, under state and local “social host” laws, your business might face a fine or even imprisonment for continuing to serve alcohol to an adult who is legally drunk.
Under your comprehensive general liability policy is a clause for host liquor liability. The insurance company will pick up the tab for property damage and bodily injuries, up to “each occurrence” or “general aggregate” limits for the CGL. This coverage will also pay for court costs, legal fees, and other expenses – and these payments will not apply to the limits.
Be sure not to confuse host liquor liability insurance with Liquor Liability coverage, which protects businesses that manufacture, serve, or sell alcoholic beverages (such as liquor stores, bars, and taverns) against claims for injuries caused by intoxicated customers. If you’re in one of these businesses, you’ll need both types of policy.
To learn more, feel free to get in touch with our agency at any time.
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
E-mail address:
[email protected]
Available 8:30am - 5:00pm