Contact us

(831) 722-3541

Contact us

Contact details:

Message:

Your message has been sent successfully. Close this notice.

Commercial Insurance Quote

Coverage Information

Current Coverage Information

Contact details:

Your Quote Form has been sent successfully. Close this notice.

Auto Insurance Quote

Contact details:

Current Coverage Information

Your car:

Your Quote Form has been sent successfully. Close this notice.

Homeowners Insurance Quote

Your house:

Current Coverage Information

Contact details:

Your Quote Form has been sent successfully. Close this notice.

Life Insurance Quote

Life Insurance Details

Current Coverage Information

Contact details:

Your Quote Form has been sent successfully. Close this notice.

Health Insurance Quote

Coverage Information

Current Coverage Information

Contact details:

Your Quote Form has been sent successfully. Close this notice.
9 years ago · by · 0 comments

Trump Threatens Canadian Dairy

During a recent visit to Wisconsin, President Donald Trump vowed to defend American dairy farmers who’ve been affected by Canada’s trade practices. Canada’s dairy sector is protected by high tariffs and controls on domestic production to support prices that farmers receive.

Last year, Canada’s dairy farmers agreed to sell milk ingredients used for cheesemaking to Canadian processors at prices competitive with international rates. Industry groups in New Zealand, Australia, the European Union, Mexico and the United States complained the new, competitive prices undercut exports to Canada.

The U.S. dairy industry groups want Trump to urge Prime Minister Justin Trudeau to end Canada’s pricing policy that has disrupted many U.S. dairy exports. They’re also asking for a prioritization of dairy market access in North American Free Trade Agreement talks. Trump has already threatened to eliminate the trade agreement with Canada if it doesn’t change its trade policies.

Ottawa’s ambassador David MacNaughton blames U.S. producers’ problems on overproduction rather than Canadian policy. The Dairy Farmers of Canada said it was confident that Ottawa would continue to protect and defend the dairy industry.

Pace of Corn Planting is Behind

According to the U.S. Department of Agriculture’s weekly Crop Progress Report, every corn-producing state in America is behind last year’s planting pace, with the exception of Indiana.

The state lagging behind the most is Missouri, with only 17 percent of its corn crop planted as of Easter Sunday. At the same time last year, Missouri farmers had planted 53 percent of the state’s corn crop.
North Dakota, South Dakota, Michigan, Wisconsin and Ohio didn’t have planting data listed in the Crop Progress Report at the time of publication.

Planting Safety Tips

As farmers prepare for planting season, it is worth remembering the following safety tips:

  • Be mindful while transporting goods on public roadways.
  • Watch for children, as they’re often attracted to large, noisy equipment.
  • Follow instruction labels when applying products such as pesticide, herbicide or fungicide. Consider keeping photos of the instructions on your smartphone for convenience.
  • Service all farm equipment regularly.
  • Store fuel away from machine sheds and other buildings.
  • Get adequate amounts of sleep, and follow a healthy diet.

Read more

9 years ago · by · 0 comments

What is OSHA and Why is it Important to Your Business?

Why is job safety and health important?

In 2013, 4,585 employees died from occupational incidents, and there were a staggering 3.0 million total recordable cases of workplace injury and illness.

On average, each of these 3.0 million cases required eight days away from work, which means U.S. employers as a whole paid for millions of days of lost work time. Experts estimate that workplace injuries and illnesses cost U.S. businesses more than $125 billion annually. Effective job safety and health programs not only help reduce worker injuries and illnesses, they save employers money in the long run.

How does OSHA contribute to job safety and health?

The primary goal of the Occupational Safety and Health Administration (OSHA) is to carry out the Occupational Safety and Health Act (OSH Act), which Congress originally passed in 1970. The OSH Act has undergone several amendments and revisions since its inception, but it is still in place “to assure so far as possible every working man and woman in the Nation safe and healthful working conditions and to preserve our human resources.” OSHA contributes to job safety and health by enacting regulations that forward this ideal.

Title 29 of the Code of Federal Regulations (CFR), Parts 1902-1990, houses all the OSHA standards, though OSHA also allows states to enact occupational safety and health laws of their own under federally-approved plans. State-run programs are at least as strict, and sometimes more so, than federal standards. This ensures a minimum standard of job safety and health that all employers must follow to protect employees.

Are all employees covered by the OSH Act?

The OSH Act covers all employees except public employees in state and local governments and those who are self-employed. Public employees in state and local governments are covered by their state’s OSHA-approved plan, if applicable.

Federal employees are covered under the OSH Act’s federal employee occupational safety and health programs, which are outlined in 29 CFR Part 1960. United States Postal Service employees, however, are subject to the same OSH Act coverage provisions as those in the private sector.

Other federal agencies that have issued requirements affecting job safety or health include the Mine Safety and Health Administration (MSHA) and some agencies of the Department of Transportation (DOT), including the Federal Motor Carrier Safety Administration (FMCSA). Employees in these industries are subject to their respective regulations.

Additionally, businesses in the retail, service, finance, insurance and real estate sectors that are classified as low-hazard are exempt from most OSHA requirements, as are small businesses with 10 or fewer employees. Exceptions are discussed in 29 CFR Part 1904, which also explains which OSHA regulations exempt employers are still required to follow.

What are your responsibilities as an employer?

If you are an employer covered by the OSH Act, you must provide your employees with jobs and a place of employment free from recognized hazards that are causing, or are likely to cause, death or serious physical harm. You must also comply with the OSHA statutory requirements, standards and regulations that require you to:

  • Provide well-maintained tools and equipment, including appropriate personal protective equipment (PPE)
  • Provide medical assistance and guidance for employees sustaining workplace injuries/illnesses
  • Provide required OSHA training
  • Report accidents that result in fatalities to OSHA within eight hours
  • Report accidents that result in the hospitalization of three or more employees to OSHA within eight hours
  • Keep records of work-related accidents, injuries, illnesses and their causes
  • Post annual injury/illness summaries for the required period of time

What are your rights as an employer?

When working with OSHA, you may do the following:

  • Request identification from OSHA compliance officers
  • Request an inspection warrant
  • Receive a reason for inspection from compliance officers
  • Have an opening and closing conference with compliance officers
  • Accompany compliance officers on inspections
  • Request an informal conference after an inspection
  • File a notice of contest to citations or proposed penalties
  • Apply for a variance from a standard’s requirements under certain circumstances
  • Be assured of the confidentiality of trade secrets
  • Submit a written request to the National Institute for Occupational Safety and Health (NIOSH) for information on potentially toxic substances in your workplace

What are employees’ responsibilities?

All employees are obligated to help prevent exposure to workplace safety and health hazards by becoming familiar with and adhering to all applicable OSHA requirements.

What are employees’ rights?

With regards to OSHA regulations, employees have the right, among other actions, to:

  • Review employer-provided OSHA standards, regulations and requirements
  • Request information from the employer on emergency procedures
  • Receive adequate, OSHA-required safety and health training on toxic substances and emergency action plan(s)
  • Ask the OSHA area director to investigate hazardous conditions or violations of standards in the workplace
  • Have his or her name withheld from the employer when filing a complaint with OSHA
  • Know what actions OSHA took as a result of the employee’s complaint and have an informal review of any decision not to inspect or issue a citation
  • Have an employee representative accompany the OSHA compliance officer on inspections
  • Observe monitoring and measuring of toxic substances or harmful physical agents and review related records (including medical records)
  • Review the Log of Work-Related Injuries and Illnesses (OSHA 300 Form), if applicable, at a reasonable time
  • Request a closing discussion following an inspection
  • Object a citation’s set abatement period
  • Seek safe and healthful working conditions without your employer retaliation

Why is OSHA important to your business?

OSHA plays a key role in making your facility a safe, healthy place to work. Beyond providing the tools and guidance to work toward an injury- and illness-free workplace, OSHA is important in identifying businesses that are not committed to safety. Employers that do not carefully follow OSHA regulations often face hundreds of thousands, if not millions, of dollars in fines.

How can you get more information on safety and health?

OSHA provides free publications, standards, technical assistance and compliance tools to help you understand the nuances of the regulations. OSHA’s website also offers extensive assistance by way of workplace consultation, voluntary protection programs, grants, strategic partnerships, state plans, training and education to guide you in your quest for workplace safety. To learn more about OSHA and the critical elements of a successful safety and health management system in your workplace, visit www.osha.gov.

This document is an introductory guideline. It does not address all potential compliance issues with OSHA standards. It is not meant to be exhaustive or construed as legal advice. Contact your licensed commercial property and casualty representative at Scurich Insurance or legal counsel to address applicable compliance requirements. © 2009-2012, 2015 Zywave, Inc. All rights reserved.

Read more

9 years ago · by · 0 comments

Avoiding Farm Machinery Hazards

Even though farm machinery manufacturers try to ensure that their products are safe by equipping them with safety guards, agricultural work presents many hazards. Many times, workers suffer injuries because of human error from taking a shortcut, ignoring warning signs, not paying attention or not following safety rules.

Here are some of the most common farm machinery hazards, as well as several safety recommendations to reduce your risk of injury:

Shear Points and Cutting Points

  • Shear points occur when the edges of two objects move close together and can cut soft material (example: auger).
  • Cutting points occur when an object moves forcefully and is able to cut (example: sickle blade).

To avoid injuries, remain alert while operating machines with shear and cutting points. Also, advise others to watch out because some cutting machinery can throw objects while in use.

Pinch Points

  • Pinch points are created when two rotating objects move closely together, one moving in a circle.
  • Hands and feet can get caught in pinch points, or other body parts can get pulled into pinch points when loose clothing becomes entangled in the machine.

To avoid injuries, wear tight-fitting clothing and never reach over or work near rotating parts. Also, identify places where pinch points can occur and avoid these areas.

Wrap Points

    • When exposed machine parts rotate, they create wrap points. Loose clothing can get caught in the moving parts, and consequently pull workers into the machine.

To avoid injuries, shield potential wrap points before beginning your work. If wrap points cannot be shielded, paint them a bright color to remind yourself that they are there.

Crush Points

  • Crush points occur when objects move toward one another, or one object moves toward a stationary object. Workers can be crushed in between.
    Block equipment securely to avoid fatal crushing injuries.

Free-wheeling Parts

  • Some equipment with moving parts continues to spin after being shut off.

To avoid injuries, wait until the machinery has completely stopped before touching it. This can take several minutes.

Hydraulic Systems

  • When servicing, adjusting or replacing parts on machines with hydraulic systems, workers can face high-pressure blasts of hydraulic oil. This can cause injury and/or burns to the skin.

To avoid injuries, do not inspect hydraulic hoses with your hands because the hydraulic fluids can puncture the skin.

Take time to become familiar with the potential hazards of the machinery you work with and remember to always put safety first!

Read more

12 years ago · by · 0 comments

It’s apple picking season!

 ApplesIt’s the beginning of fall and apple picking season is in full effect.  And the place to be is Clearview Orchards.

Organic Fuji and Gala apples are specialties of Clearview Orchards, although they also offer a number of other apple varieties.

Bring your family and your picnic basket.  Once you are done enjoying a picnic on our lawn, feel free to pick your own apples.  Other delicious items you can pick up at Clearview:

  • Honey.
  • Pumpkins (we have red, white, or pink)
  • Dried lavender
  • Apple cider
  • Apple pops

Want a getaway?  We can do that too.  We offer a luxury yurt that boasts such amenities such as a queen bed, a full kitchen, sofa, and full bath with shower.  The yurt is centrally located amongst lavender fields, flower gardens, avocado, and Fuji trees.  An array of wildlife including deer, coyotes, raccoons, and hawks can be viewed from the yurt.  This would be a perfect getaway for you and your partner looking for a romantic country getaway.

What:  Clearview Orchards for picnicking and apple picking

Where:  646 Trabing Road in Watsonville

When:  Saturday and Sundays from 10:00 am-5:00 pm through Sunday, October 26th.

Cost:  $2 a pound for apples

Who:  Everyone!

Content provided by Transformer Marketing.

Sources:  https://www.airbnb.com/rooms/3111208?s=QpQT and http://www.clearvieworchards.com/index.html

Read more

12 years ago · by · 0 comments

What are my options for insuring farm equipment?

TractorIn most aspects of life there exists insurance to help in protecting assets in the case of damage or unfortunate loss. When it comes to farms this is no exception; however, the typical business insurance or ordinary car insurance will not meet the bar when it comes to insuring the farm and tractors. It is advisable that if your business is farming or you are thinking about purchasing a weekend farm getaway that you consult with an insurance professional with experience in farming.

There is a famous saying that “knowing is half the battle,” so our goal is to review a few areas that have specific insurance needs. This way when you meet with an insurance professional you can get on the right track. As a general rule farm property is covered under specifically qualified policies to include farm machinery, livestock, farm trailers and even irrigation equipment. Depending on the coverage there may even be automatic coverage for new equipment up to $100,000 for the first 60 days – similar to a new born child being under the parents insurance until the child is individually registered. There are other types of equipment such as antennas and satellite radio devices typical on farms in extremely rural areas. In addition to coverage for these types of items there are other optional coverages that should be considered.

Depending on the exact type of farm things like chicken coups, silos, fences and feed racks have the ability to be covered under a farm policy. For those living in the city the details of a chicken farm and the equipment to keep it functioning are just not a reality. However for the farmer, these are essential aspects to their daily life. This is precisely why insurance companies carefully address all the details involved in farm life. Additional coverages are even defined as to the type of use of the equipment, because farm life can vary drastically.

One of our insurance professionals will review your farm and equipment to explain all available coverages and its intricacies.

Content provided by Transformer Marketing.

Read more

12 years ago · by · 0 comments

Agriculture Insurance during a water shortage – an important factor

CropOne of the most troublesome environmental issues is water shortage. As the population increases, industries develop, and weather patterns change, the issues of water shortage become more prevalent. The agricultural industry requires a tremendous amount of water to operate and it is in the top industries for water consumption. Everyone knows that crops require soil, sun, and water. In some cases of hydroponics soil in not even utilized, it is solely reliant on water. Since an industry is hinged upon the variable of the existence of water, the insurance industry has developed a form of protection for those in the agriculture industry – agricultural insurance.

Crops are the predominate victim in a water shortage and depending on the crop will determine the sensitive to water issues. Farmers should immediately discuss the specifics of crop insurance to account for potential water shortage issues. Typically, the farmer must select the percentage of the crops covered and at a specific price point. A common range can vary from 50% – 85% of a crop. In order to meet necessary criteria for each crop, there are guidelines specific to time of year, type of crop, and deadlines to applying to obtaining coverage. This is a simple process, but because there are many intricacies it is always advisable to connect with and insurance expert to help navigate individual needs.

The reason for the many variations and deadline surrounding crops is directly connected to the federal laws and regulations that spearheaded the industry to protect farmers and food protection in the United States. Some of the information that is weighed when obtaining the right coverage for water shortage risk are things like the type of harvest, production history, yield, and environmental history. These factors are important in determining type of policy and when reporting of water shortage damage. A specific accounting and log of crop damage is vital to maintaining in line with an agricultural policy, due to the already sensitive nature of crops.

Don’t make the mistake at going at this alone. Contact one of our agents today.

Content provided by Transformer Marketing.

Read more

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

Contact details

E-mail address:
[email protected]

(831) 661-5697

Available 8:30am - 5:00pm