To help you make sure make sure that your business has the right Commercial Auto policy at the right price, we’d recommend following these guidelines:
Make sure to cover all vehicles that your employees drive on company business. This could include vehicles that employees own, lease, or rent – as well as those that the company owns.
Determine whether you need Personal or Commercial Auto insurance. You might be able to save money by covering vehicles with a less expensive Personal Auto policy in some situations — for example, by registering title to a vehicle in your name. However, if the company owns the vehicle, you’ll need Commercial Auto coverage. Bear in mind that a Personal Auto policy should include the contents of the vehicle, as well as medical costs if a driver suffers an injury on company business.
Be sure to comparison shop. Because every insurance company sets Commercial Auto premiums and coverages in its own way, prices (and values) can vary significantly. Because we represent a variety of companies, we can offer professional advice on finding a policy that’s tailored to your needs — and pocketbook. Just give us a call.
As seen in: Property Casualty 360 6/20/2012 By Arthur D. Postal
Last month the Senate rejected a particular amendment to the farm bill S. 3240 that “…would have stripped the Federal Crop Insurance Program (FCIP) budget baseline by $5 billion, leading to a 37 percent reduction in Administrative and Operating (A&O) funds, and would have reduced the overall program cap to $825 million.”
The Administrative and Operative funds was used partly to pay to pay the agents commissions of the agents upon the sale of crop insurance. The cut that was proposed would have been on top of additional cuts that have already been made.
Industry officials have been quoted at saying, “At a time when farmers are being asked to rely on crop insurance even more as their primary risk management tool, it seems irresponsible to further deplete the crop program of its critical resources,” according to Charles Symington, senior vice president of government affairs for the Independent Insurance Agents and Brokers of America.”
As seen in: The Washington Times 5/24/2012 by Michele Lerner
There are many different ways that you can redo your home’s interior to make it more eco-friendly with either big or small projects around your home. One of the first things that you can do while beginning one of these these home renovation projects is to locally obtain or purchase your materials or reuse materials that you already may have around your home. Local products are anything that you can get within 500 miles from your place of residence.
Here are a few different eco-friendly ways that you can update your home:
You can recycle and update furniture and other items you have around your home that have sentimental value to you to give them a whole new appearance.
Reusing furniture for another use is another good way like making a kitchen table into a coffee table or bedroom dresser into an entrainment center
Using products like reclaimed wood (if coming from a local source), IceStone, Terrazzo is considered to be eco-friendly because they are all products made from recycled material
Sense the Supreme Court came back with a ruling stating that the Affordable Care Act was ruled to be constitutional because it is a tax, some small business owners are asking what the Affordable Care Act will mean to them. Besides from knowing that anyone you hire will be cared for and will not need to worry about health care costs, it means that you will have to operate with in certain guidelines while you are growing your business.
Many business owners do not like having to pay for something that they do not have to or do not want to have to. The Affordable Care Act will act like a tax for early staged companies and businesses. Business owners will be able to shop around for group health plans on new insurance exchanges unlike on individual plans like before which were pricey.
It is said that the act will allow people to not have to cling onto a job because of the fear of loosing their health insurance. There is also great speculation that patients will have to travel to other countries in order to get certain treatments that doctors in foreign countries specialize in. With the ruling being what it was, it seems that as a nation we will have to get use to the Affordable Care Act and discover what it can do to help you succeed.
Scurich Insurance Services cares about your health and your health insurance needs. Contact any of the helpful and friendly agents at Scurich Insurance Services today with any question about your health insurance or how the Affordable Care Act will affect you. Feel free to leave a comment about how you feel about the Supreme Courts ruling on the Affordable Care Act.
“Tony Scurich and his staff have a great reputation for service to their customers. Tony has also been a very active volunteer for Boy Scouting in Watsonville for many years, as well as other community organizations.” Charles H. Concord, CA
“you can always depend on their consistency with quality people, quality service and reasonable commercial rates. They’ve helped me in a pinch more than once. I highly recommend them!” Eddie O. Morgan Hill, CA
“My family has been a Scurich Insurances client since the 1950s. I have conducted almost all my insurance business, both property rental operations and personal, through Scurich Insurance Services. I rely on the knowledgeable insurance brokers, agents, and staff at Scurich Insurance to advise me regarding my insurance needs and the best coverages and companies to meet those needs in a cost effective way. With the changing nature of the insurance industry since 2000, it is comforting to know I can trust Mike, Tony, Mary, and others at Scurich Insurance to give me good advice. And their customer service is great. They are there and helpful when I have questions, some problem, a claim, or even a complaint about some insurance requirment. Paul Milladin Milladin Properties LLC” Paul M. Watsonville, CA
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As seen in: Property Casualty 360 6/20/2012 By Arthur D. Postal