Farm Insurance in Monterey Bay, Central Valley & Aptos, CA — Tailored Protection from Scurich Insurance Services
Agriculture is the backbone of California’s economy, and nowhere is that more evident than in the fertile fields of Monterey Bay, the Central Valley, and the Aptos area. With this prosperity comes risk — unpredictable weather, rising operational costs, equipment breakdowns, and liability exposure can jeopardize a farm’s future.
Scurich Insurance Services understands the unique challenges California farmers face and provides customized farm insurance solutions to protect your livelihood, land, and legacy.
Why Local Farmers Trust Scurich Insurance
✔️ Local Expertise That Matters
Serving the agricultural community since 1924, Scurich Insurance Services is deeply rooted in the local farming culture. Our familiarity with the region’s climate, soil types, crop cycles, and regulatory landscape allows us to provide coverage that truly fits your operation.
✔️ Personalized Risk Assessment
We don’t offer one-size-fits-all policies. Our agents work one-on-one with farm owners to assess your operation and identify potential risks — from small organic plots to large commercial farms.
✔️ Complete Coverage Portfolio
From your crops to your employees and equipment, we cover every aspect of your farm. Our goal is to ensure that your investment is protected — so you can focus on what you do best: farming.
What Our Farm Insurance Covers
Crop Insurance
Protect your yields from natural disasters, pest infestations, and other unpredictable losses. Our crop insurance helps you recover income when your harvest is compromised.
Equipment & Machinery Insurance
Your tractors, harvesters, and irrigation systems are critical to your operations. We offer coverage that keeps your equipment protected from damage, theft, or mechanical breakdown.
Property & Outbuildings
Whether it’s barns, greenhouses, or storage facilities, we provide protection for your physical structures against fire, storms, and other perils.
️ Liability Protection
Safeguard your farm against lawsuits and claims related to injuries, accidents, or property damage that may occur on your land.
Workers’ Compensation
Keep your workforce protected with coverage for medical expenses, lost wages, and rehabilitation in the event of a workplace injury.
Proudly Serving These Agricultural Regions
Monterey Bay
This coastal region — including Watsonville, Salinas, and surrounding communities — is known for strawberries, lettuce, and artichokes. We understand the coastal climate and the specific insurance needs of produce growers and berry farms.
Central Valley
Covering areas from Fresno to Modesto and beyond, the Central Valley is a national leader in almond, dairy, grape, and tomato production. Our tailored solutions meet the demands of both small-scale and industrial farming operations.
Aptos & Santa Cruz County
Aptos-area farmers often operate smaller-scale or organic farms. We offer flexible coverage options for niche growers, family-owned farms, and sustainable operations in this coastal microclimate.
Secure Your Farm’s Future with Scurich Insurance
At Scurich Insurance Services, we believe your hard work deserves reliable protection. Whether you’re managing thousands of acres or just getting started with a small family farm, our team is here to build the right insurance plan for you.
Local. Trusted. Experienced.
Contact us today to speak with a farm insurance expert and get a free quote tailored to your operation.
Get a Quote Now
Call: (831) 661-5697
Office: 783 Rio Del Mar Blvd., Suite7, Aptos, Ca 95003-4700
Read more
Don’t wait until the weather forecast calls for prolonged heavy rains before buying flood insurance. While this practical insurance can be purchased anytime, the policy does not take effect for 30 days. As the most common natural disaster in the country, flooding ruins millions of dollars of homes and property every year. Even so, flooding is not commonly covered in your typical homeowner’s insurance policy, making it necessary to purchase additional coverage for this costly, devastating disaster.
If you are in a high-risk flood zone, a federally regulated lender will require a would-be borrower to buy flood insurance in order to qualify for a mortgage loan. To satisfy the lender, flood insurance must be purchased in an amount that sufficiently covers the loan.
A homeowner should also buy flood insurance if he or she resides in a flood plain with no fail-safe controls, such as a dam. Flood policies even pay off if the President does not declare the area a federal disaster area, which can prove to be invaluable. Because the nation’s Chief Executive Officer rarely issues such a declaration, protecting yourself is extremely important. Besides, you have to repay the federal aid you receive for home repairs related to a natural disaster so providing your own protection is the only way to ensure financial recovery suffered from flooding.
Not all homes qualify for flood coverage. For instance, flood insurance for beachfront or ocean-side property may not be available for the obvious reasons.
The Federal Emergency Management Association (FEMA) reports that more than 20,000 communities have agreed to tighter zoning and building measures to control floods. Residents of these communities can buy flood coverage from the National Flood Insurance Program (NFIP), which FEMA oversees. As of 2009, NFIP had 5.7 million flood policies inforce nationwide.
Premiums for flood insurance vary widely, depending primarily on individual risk. In determining price, flood insurance underwriters consider several factors including the property’s elevation, proximity to bodies of water, and whether the dwelling has a basement. Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters.
Call our office today! We’d be happy to assist you through the murky waters.
Read more
Agricultural workers are at a serious risk of injury or death when installing, climbing into, fumigating, entering, filling or emptying a silo. Because of the nature of the conditions present, workers may be exposed to hazards such as a lack of oxygen, toxic gases and grain entrapment.
To reduce worker risk of injury, properly train workers and remind them frequently of the following safety recommendations:
- Avoid entering a silo unless it is absolutely necessary.
- Complete tasks outside of the silo whenever possible.
- Have a coworker close by in case of an emergency.
- Never smoke or cause sparks near a silo, especially if the air humidity is low.
- Wear respiratory protection when appropriate.
- Stand at a safe distance when filling or emptying a silo.
- Use an approved fall restraint system and harness when climbing a silo.
- Ventilate a fumigating silo before entering.
- Conduct regular safety inspections of silos.
For more farm and ranch safety tips, contact Scurich Insurance today.
Read more
Flooded barns and lost crops are just a couple of the emergencies farmers have to deal with after a natural disaster. Thankfully, there are federal programs and resources available to help with some of the costs, but seeking them out can be confusing and time consuming. The agency you contact will depend on the type of damage you have, so a farmer may have to go to three separate agencies for help.
Disaster Relief – Helpful Links
3 STEPS TO POST DISASTER RELIEF
It can be overwhelming trying to navigate the different programs available. Here, we break it down into three steps:
Step 1: Take pictures. Disaster programs need documented damage, so take pictures before you clean up, and take note of specific losses. Save receipts for any purchases you need to make during recovery.
Step 2: Know what programs for coverage are available. There are several different programs that address different needs of hurricane relief. For example, the Farm Service Agency (FSA) handles assistance specific to farms and farmland. The Small Business Administration handles disaster assistance for businesses. The Federal Emergency Management Agency handles household damages and reconstruction.
Step 3: Be aware of important deadlines. Each program has different application processes and different deadlines. Make sure you get your applications in on time.
- If seeking the help of an FSA program, be aware that most have an application deadline of 30 days after the damage or loss occurs.
- If damage prevents you from planting, complete a Notice of Loss form and submit it to your local FSA office within 15 days of the planned planting date to determine eligibility.
- If you participate in Risk Management Agency (RMA) federal crop insurance, report the damage within 72 hours of discovery, and follow up in writing within 15 days.
Read more
With some farmers struggling to find reliable farm labor, it is important to invest some thought in the hiring process. Here are some tips for finding the right help:
Examine your needs. You might have a general idea in your head of what work needs to be done, but it’s best to be specific. Narrow down broad processes into specific jobs so you can determine how much help you truly need.
Think about desired traits. Do you need someone to fill a temporary need, or are you hoping that person can go on to fill a managerial role? You’ll have to determine whether people skills are more important than manual labor or machinery skills, and list those traits in your job description.
Consider hiring for a trial period. If you’re hesitant about a candidate but need immediate help, consider hiring them for a short-term trial period. This saves you from high employee turnover while buying you time to recognize your needs. It allows both you and the worker to communicate any frustrations and expectations after the trial period before considering whether the working relationship is worth investing in long term.
Read more
Two new web tools created by the Noble Research Institute will allow cattle producers to easily access Oklahoma cattle auction data. The tools include a price slide table and market charts.
PRICE SLIDE TABL
The first web tool is a breakdown of the price slide (PS) and value of gain (VOG) for the reported markets. The PS and VOG tool looks at the sales receipts for the selected market, as well as frame size, gender, yield grade and the sale date to give producers a glimpse at the type of cattle buyers are looking for.
Cattle with notes about their features aren’t included in the table in order to prevent the PS and VOG from being affected. However, a link to the original USDA-AMS report is provided near the top of the page for producers who want more details and to see where the original data was taken from.
MARKET CHARTS
The second web tool is a set of charts for slaughter, feeder and replacement cattle. The tool offers an option to compare each group across whichever markets the user selects, either during a specific year or across years.
The auction comparison tool was designed to provide producers with information to help them in their marketing and purchasing options. By comparing years, producers can better evaluate how the current year is stacking up against previous years for a particular market.
Read more
