Here are 3 bizarre insurance claims that we came across on the internet:
From www.bloginsure.com
9/10/2010 by Miranda Marquit
“We all know that insurance is meant to protect our assets. If something expensive happens that’s beyond our control, the ability to file an insurance claim means we don’t have to come up with the money to pay for it ourselves. However, we’ve found some strange insurance claims out there. We can’t believe some of these have even filed in the first place. More astonishingly, some of these claims were actually paid. Here are eight of the weirdest we’ve found:
1. Abducted by aliens We generally think that alien abduction only happens on the X-Files. But some people take it very seriously because there’s a market for alien abduction insurance. Goodfellow Rebecca Ingrams Pearson (GRIP), a London-based insurance brokerage, specializes in strange types of insurance – anything from immaculate conception insurance to alien abduction insurance. In fact, the company even paid a claim once. GRIP paid out one million pounds to a man in Britain who claimed to have been abducted. True, the man was a business partner with the managing director of GRIP, but the claim was still paid.
2. Dentures lost at sea Cruises are popular vacations, among the old and the young alike. However, it the sea gets choppy, you might find yourself getting seasick. One man found this out the hard way when he lost his dentures overboard. His cruise ship was experiencing rough waters in the Bay of Biscay, and his stomach was experiencing a rather upset feeling. As he vomited over the side of the ship, his dentures fell into the water, and were lost to the depths. Lucky for him, his travel insurance decided that his false teeth constituted “lost baggage.”
3. Had a bad hair day While on vacation, a man filed a claim with his travel insurance. He claimed that his daughter singed her hair in the oven, necessitating a hair cut. However, the outcome of the haircut wasn’t satisfactory. He claimed that the travel insurance should cover the cost of the haircut. The insurance company didn’t agree, and refused to cough up.
What do you think of these claims? Pretty wild right! At Scurich Insurance we handle all kinds of claims, crazy ones too! We’re happy to review your policies for you to be sure you are properly covered.
Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
Email:[email protected]
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With more jobs becoming available today, there is a major problem presenting itself for employers. Employees who are applying for jobs are lying about important aspects of their lives. In most cases, the truth may be a disqualifying factor. To avoid the hassle of hiring an unfit employee, it's important to conduct a background check.
According to the ADP's 2009 Hiring Index, 46% of the 1.7 million applicants reviewed had discrepancies in their resume's employment, credentials, education or reference checks sections. In addition to this, 37% of applicants had traffic violations or convictions, and 6% had criminal charges within the past seven years. While not all applicants lie about convictions, others may fabricate details that make them look more appealing. This practice, which is commonly called resume padding, is a method used by people who aren't qualified for a position to attempt to obtain it. It's important to be able to identify both omissions and lies.
Understanding What Is in a Background Check. Not all background checks are the same. There are hundreds of online services that advertise cheap and fast background checks. However, these companies provide limited information, and often have limited access to databases that are not regularly updated. In order to get the most accurate and recent records it is best to use state resources.
How to Perform a Background Check.
Usually, the office of the Highway Patrol is the best place to begin a search. Some jobs require a prospective employee to manage a budget and handle money. If this is the case, it's a good idea to request a credit check also. It's important to have the applicant's SSN, date of birth and any last names or aliases they've used in the past 10 years. Be sure to have the applicant's approval before performing a background check. Social media sites, such as Facebook, can also be beneficial when researching a potential employee. Keep in mind that people may make fictitious profiles and claims on social media sites, so this information shouldn't replace what is available on a background check. However, sometimes discrepancies between resumes and social profiles are enough to raise a red flag against a potential employee.
Be specific in what information you decide to verify with a background check or credit check, and only perform those checks when there is a direct correlation with job duties. For example, don't request a credit check for an employee who won't be controlling a budget or working with cash. However, if an applicant will be caring for disabled individuals, it's important to verify that they don't have any past charges of abuse, assault or neglect. Always use common sense to determine which bits of information need to be verified.
Employer Reference Considerations. Verifying employment and inquiring about an applicant's work ethic with a previous employer is important. However, it's also important to make the reference call count. Never rely on the phone number provided by the applicant. Either look up the number through an online phone directory or use a reliable source to verify the number. Although it isn't common, sometimes applicants provide erroneous phone numbers that may not belong to the previous employer they listed. In some cases, employees might provide a friend's number instead. That friend will often provide a false reference to make the employee look good. Be sure to ask pointed and concise questions to the applicant's previous employer. The following questions are good examples:
- How do the applicant’s skills with other team members rank?
- What are the applicant’s strengths?
- How does the applicant deal with stress and conflict?
- In what ways could the applicant improve?
The best time to perform a background check is after extending an offer for employment. However, be sure to tell the applicant that their employment with the company is contingent upon them passing a background check. It's always a good idea to state upfront in the job posting that a background check will be performed for qualified applicants. This is usually effective in discouraging applicants who know they have a checkered past and intend to lie about it. Again, the most important thing to remember is to always obtain an applicant's written permission before ordering a background or credit check for them.
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Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
Email:[email protected]
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For contractors, one of the most important things they can do to protect their business is to get insurance. One of the most common insurance policies that most contractors get is general liability insurance.
In order to get the best of what general liability insurance has to offer, here are some mistakes contractors need to avoid.
- Not Understanding The Risks and Consequences Of Loss
Many business-owners and contractors often regard insurance as simply an additional and unnecessary cost since they believe claims will never be made on them. And when disaster strikes, they’d be caught off-guard and end up with more expenses. Therefore, it’s important to get insurance and understand your policy very well.
This is another huge mistake that contractors should definitely avoid. There are different types of policies in the market and each policy is designed to meet the different needs of the user. When choosing a coverage plan, it’s important to get comprehensive coverage at a reasonable price.
- Not Checking The Exclusions
The exclusions on an insurance policy are the events or perils that are not covered under the current policy. There are several small work-related issues that contractors need to deal with and oftentimes, these issues are left uninsured. Thus, it’s important to check the policy exclusions to determine which events aren’t covered and what can be done about it.
- Not Insuring Your Sub-Contractors
Most contractors work with sub-contractors in order to get work done faster and more efficiently. If an accident occurs with the subcontractor, you’re responsible for them. This is why getting a general liability insurance that offers coverage for contractors is a good idea.
- Changing Insurance Providers All The Time
Many insurance providers offer discounts for their loyal customers and if a contractor jumps from one insurance to another, they lose that chance. Also, it doesn’t give them enough time to review or evaluate the effectiveness of their coverage.
To secure your business with contractors insurance, please fill out the form below.
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Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
Email:[email protected]
This article is courtesy of insuranceunit.com dated Jan 12, 2012
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We invite you to participate in our Happy Customer Survey.
Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
eMail:[email protected]
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Agricultural insurance is a valuable part of running a company. Scurich Insurance can offer you assistance as you search for information on this topic. Insurance has become a necessity in this uncertain world. No one in the agricultural sector can afford to exist without it. At Scurich insurance we provide, focus specifically on this industry.
Agricultural insurance can be expensive. Get a quote here at Scurich Insurance. You may need insurance to protect your land or crops. You may also need it to protect your equipment, home and other areas of your business. Insurance is available that covers all of these aspects. It is impossible to predict the next disaster, so insurance can act as a safety net for your company.
The agricultural industry is very vulnerable to disasters. One bad thunderstorm can wreck a crop and destroy any hopes of a harvest. This is why insurance become a necessary part of working in this industry. Scurich Insurance encourages you to contact us for information that you may need.
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Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
Email:[email protected]
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