Thought for the day-Opportunities
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Content provided by http://business.time.com/2014/01/22/the-terrifying-video-that-will-convince-you-not-to-buy-a-small-car/?iid=biz-main-lead
Last week Governor Jerry Brown declared California is in a drought. A drought simply stated is a shortage of precipitation, whether it comes from rain or snow. There just simply isn’t any moisture in our lands. Problems that can stem from a drought can become catastrophic. Withered crops, high fire dangers, water shortages and livestock dying are just a few of the effects that a drought has on our land. Unemployment is another effect that a drought will bring. The loss of crops means no employment. In 2009, about 10,000 people lost their job due to the drought.
According to Brown, who was in San Francisco last week, “The drought accentuates and further displays the conflicts between north and south and between urban and rural parts of the state. So, as governor, I’ll be doing my part to bring people together and working through this.”
During this dry season, the rest of us need to be diligent as well. Conserve as much water as we can, including washing dishes all at once, don’t light fires when you’re camping and use only propane stoves. Right now, California is in danger of becoming a matchbox just waiting for the match to strike.
According to 58 year old Kevin Kester, “I am a fifth-generation cattle rancher, and it has never been this bad ever in my lifetime — and from my family’s history, it’s never been anywhere close to this bad ever.” The last drought that was comparable to the one we’re in now, according to his family’s history was in the 1890’s.
Contact us today for a quote for your agribusiness.
Content provided by Transformer Marketing and http://www.register-pajaronian.com/v2_news_articles.php?heading=0&story_id=15820&page=72
Pricing for workers compensation insurance continued to harden in California during the first half of 2013, according to a report published Wednesday by SNL Financial L.C.
California’s 10 largest workers compensation insurers by premium volume, which account for roughly 60% of the state’s marketplace, increased their rates an average of 4.3% during the first half of the year, based on filings for new business effective between Jan. 1 and July 1, according to SNL Financial’s report.
Excluding a 7% decrease filed in March by the State Compensation Insurance Fund, which is the state’s largest workers comp insurer, the average rate increase among California’s market leaders through July 1 was 5.9%. Within that group, the largest rate increases belonged to American International Group Inc. and Liberty Mutual Holding Co. Inc., which submitted rate hikes of 10.0% and 10.9%, respectively.
Statewide, rates for new workers compensation accounts were at their highest in February, when insurers in California filed average rate increases of 9.8% on $1.1 billion in premiums written, according to SNL Financial’s report.
At least 20 insurers in California included in SNL Financial’s analysis filed rate increases of 15% or more for new business in the first half of the year. Seven firms — including units of Liberty Mutual, CNA Financial Corp. and Nationwide Mutual Insurance Co. — filed rate increases of 20% or more, while units of Hanover Insurance Group Inc. and American Financial Group Inc. filed rate increases in excess of 30%.
Only a handful of companies included in SNL Financial’s analysis reported rate decreases in the first half of 2013. Among them was Federated Rural Electric Insurance Exchange, Church Mutual Insurance Co. and units of Nationwide and Utica National Insurance Group.
California’s workers comp market has been particularly bothersome for Tower Group International Ltd., SNL Financial said in the report.
Tower Group cited market conditions in California, where roughly 44% of the company’s workers compensation premiums are written, as one key driver behind the $326.7 million reserve charge it reported in its second-quarter earnings statement. Several of the company’s operating units in March were granted rate hikes of 6.2% for new business in California, and one unit — Preserver Insurance Co. — filed a rate increase of 17.1%.
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Contact Scurich Insurance Services today at 831-722-3541 to find out how we can assist you with all of your business insurance needs including workers compensation.
Content provided by http://www.businessinsurance.com/article/20131218/NEWS08/131219828?tags=%7C338%7C309%7C305%7C87%7C304%7C92
“If I had eight hours to chop down a tree, I’d spend six sharpening my axe.” Abraham Lincoln
Identity theft is moving a lighting speed. Credit scores get destroyed, bank accounts and investments get heisted, and people’s lives are ruined. And it’s so swift, it’s practically unnoticeable until you get to the bank.
Unfortunately, you may be giving the thieves everything they need to take everything you have. Here are a few tips that you can start doing today to protect yourself from identity theft.
Keep your personal information safe and out of the hackers grasp.
Content provided by Transformer Marketing.
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