If you’ve been to our office, chances are. Mary Myrick-Sunkler, CISR, CPIW is a central California coast native. Mary has been in the insurance business since 1988 giving her 26 years of experience. Mary has worked with Scurich Insurance Services for 15 of those years, starting in 1998.
Mary graduated from Monterey High School and went onto graduate from Monterey Peninsula College. Mary is a member of the Insurance Professionals of Monterey Bay which is a local chapter of National Association of Insurance Women.
In Mary’s spare time, she is an avid walker, loves bicycling, gardening, camping and cooking.
Stop by our office to say, “Hi,” to Mary today.
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An ever increasing number of people in the labor force are contractors. As the owner of a business you normally use contractors to ensure that they have contractor insurance.
An ever increasing number of people in the labor force are contractors. As the owner of a business you normally use contractors to ensure that they have contractor insurance. This type of insurance is useful in the event of injury or damage caused by the contractors on any of your property. As a contractor you will need contractor insurance to protect yourself from any claims made against you directly and/or any legal expenses incurred even if you are wrongfully sued by the company, organization or party’s involved.
There are several people who are possible candidates for contractor insurance. This is an option for anybody who is a limited company contractor. Most companies are more likely to make use of you if you have a contractor insurance policy in place to protect them from any arising issues. Contractor insurance cover is mandatory if you want to contract for a governmental institution of a state, federal or even on a city level. Without contractor insurance you do not have a chance of being contracted to supply services to any governmental institution. You essentially have a responsibility over the work you provide to your customer and contractor insurance protects you and the other party from any issues that may result from it.
A contractor insurance policy generally has three parts; it covers you, the person or company you are contracted to and member of the public who may be affected directly by your job as a limited company contractor. In each of these groups, it is necessary to have additional full protection available from your provider against accidental destruction or damage caused to property and equipment and full liability protection covering legal, medical and compensation costs.
Contractor insurance does not cover negligent actions or deliberate errors. They will also not provide prolonged cover if you show a pattern of consistent and negligent behavior. Other than these two main exclusions, contractor insurance is a very complete cover since it gives you and the company a safety net that would otherwise not be available.
There are more insurance products and services that the policy holder could take out in this range. Contractor insurance is mostly designed to include professional indemnity and public liability features. It also covers property and equipment to a large extent. If you need additional coverage in these areas as you realize the volume of business you will produce in a year it will be prudent for you to apply for a separate cover to have protection to a larger extent.
A limited company contractor’s work may be used several years after he has completed his work. Therefore, contractor insurance may only be active many years after a contract has been completed. Contractor insurance will ensure that you are still covered for liability long after you retire as you will need to be covered in the event of any consequent legal action. This may take the form of an extension of the liability clause to your contractors insurance or a run-off insurance policy.
Content provided by Transformer Marketing.
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The best defense in the NFL meets the best offense in the NFL this weekend for what is going to be nothing short of an electrifying, on the edge of your seat Superbowl game. The hype with surrounding whether or not Peyton can play in cold weather (which he proved to everyone he can when he led the Broncos to a 58-21 win over the Titans in 15 degree weather), is adding so much more to this game.
Create your own Supperbowl!
We have all seen them. The huge party platters in the shape of a football stadium. We have the recipe here for you.
Denver is on a mission. Last year, they were knocked out of the race for the Superbowl when the Ravens beat the Broncos in double overtime. This year, Peyton and Company’s offense boasts more points scored and yards gained than any other team. In the past, Denver has been to the Superbowl six times and have won twice.
Seattle is looking for retribution. The last time Pete Carroll led the Seahawks to the Superbowl was in 2005 against the Pittsburgh Steelers. At Ford Field, the Steelers beat the Seahawks 21-10. To this day, calls the referees made that day were nothing short of questionable and may have cost the Seahawks the game. This will be the second appearance for Seattle at the Superbowl.
The match up:
Content provided by Transformer Marketing, NFL.com and http://www.buzzfeed.com/emofly/how-to-build-a-snack-stadium?bffbfood
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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
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