Stories abound about unscrupulous financial managers, sales persons, accounts receivable clerks, and so on. Here are steps you can take to prevent your company from being ripped off by greedy or disloyal employees:
- Conduct random audits of highly sensitive positions, such as finances and technology.
- Make sure you have a standard operating procedure for everything that is done in highly sensitive areas.
- Separate functions that have inherent conflicts. For example, separate the accounts receivable from the account payables function where possible.
- Require specific passwords, double signatures, and other mechanisms to make sure the right people are accessing the right information.
- Don’t tempt people: Lock up blank checks, put away company credit cards, and maintain the confidentiality of passwords.
- Require and examine periodic reports containing reconciled financial and technological information.
- And lastly, mandate vacations. Bankers are required to do so by law for obvious reasons. The last thing you want is somebody who is unwilling to leave early or take a vacation for fear of being caught. Contact us to get more info. We are also available on Facebook and LinkedIn so connect with us today!
Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
eMail:[email protected]
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Professional liability Insurance protects your business if you are sued for negligence, even if you have not made a mistake. Any professional with fiduciary responsibility for another individual, such as accountants, bookkeepers, and insurance agents, should have some kind of liability insurance coverage to offer protection in the event of calculation errors or misguidance. Medical professionals, including doctors, nurses, physical therapists and others in the medical field, should have medical malpractice insurance to cover claims regarding medical mistakes, misdiagnosis or other professionals have been sued without committing an error. Liability insurance policies can help cover legal expenses to defend against such frivolous or unfounded lawsuits. Even for professionals working as an employee of an organization with its own malpractice insurance, it is a good idea to maintain an individual policy to ensure complete coverage.
Why should you get a Professional Liability Insurance quote from Scurich Insurance services?
All the plans offered by Scurich Insurance are tailored for each occupation to satisfy your unique needs. Applying for your individual policy is easy with us. Our approach is to meet the professional liability insurance needs of design professionals by offering experience and knowledgeable staff, high-quality and competitively-priced products, and thoughtful, attentive service. You can feel secure with Scurich Insurance Services
Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
eMail:[email protected]
Read more
Purchasing Business Insurance means nothing but protecting your time, business and all your hard work. Scurich Insurance Services stands first to shelter your long way achievement of your business. Whenever we think about insurance, business owners generally consider protection against hazards such as fire, flood or theft at their company sites. It is obvious! As it is an important protection to have. However, there are other types of hazards that may not be topped in the list, but protection could be every bit as important to offset significant financial losses. Here are five examples that underscore the need for comprehensive business insurance protection:
- A typical auto insurance policy would probably not cover the contents of a company vehicle if that valuable equipment is lost or stolen. But Scurich Insurance Services provide you insurance when you operate a business with employees on the road making service calls to customers; chances are there is valuable equipment contained in company vehicles.
- Our Business Insurance includes the value of the improvements made by tenant to the existing structure of your property or building. If you have invested in improvements, then we offer a worth taking coverage to protect all.
- Works we do are not mostly in-house but we work from our home itself; either its full time or part time not your homeowner’s insurance holds the coverage for the loss on your business that happens to you at home. Here we offer coverage for the expensive business equipment at home; you may want to consider purchasing additional protection.
- Any interruption given to your business can be sorted out through Business interruption insurance can provide a way to get back on your feet.
- We knew your business binds some special brainies who upholds, we offer key person insurance to help you recover during your loss or inability of such brainiest persons.
It pays to make sure you have the protection you need. Call us Scurich Insurance Services for a consultation today!
Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
eMail:[email protected]
Read more
Directors and officers can be personally sued by share holders, creditors, employees, suppliers, customers, competitors or regulators. Suits can be bought for various reasons. Shareholders might sue for insider trading. Creditors might sue for misrepresenting the financial health of the company. Competitors might sue for anti-trust or unfair trade practices.
Being personally sued can be crippling for individual directors or officers. Just the risk of lawsuits might cause qualified individuals to refuse to take director or officer positions, or it could motivate existing officers or directors to act with excessive caution in pursuing a corporation’s interests. By insuring in Scurich Insurance Services directors or officers against personal liability for their own wrongful acts, D&O insurance addresses these concerns.
Any publicly traded company with a corporate board or advisory committee should consider director and officers liability insurance. Non-profit organizations and private companies could benefit as well from the protection offered by directors and officers liability insurance.
Some actions are excluded by all Directors and Officers Insurance Policy
Always Excluded:
- Bodily injury and property damage
- Intentional and dishonest acts
- Criminal acts
- Violations of state laws resulting in fines or penalties
- Pollution and nuclear waste.
- Libel, slander and false imprisonment
- Employment discrimination or wrongful termination
- Cases involving insured-against-insured actions (i.e., one director suing another)
- Failure to maintain proper insurance
- Punitive damages.
Frequently Excluded:
D&O policies cover claims made during the policy period. It doesn’t matter when the wrongful acts occurred. A claim arising from a lawsuit filed this year for a wrongful act committed last year is covered by this year’s policy. Directors and Officers Insurance is being customized for the unique needs of each client at Scurich Insurance Services. Coverage is generally for some fixed level of claims per year.
Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
Read more
One big advantage of having auto insurance policies is that one can be spared from paying sky-rocketing vehicle repair fees.
The advantages of auto insurance are clear. Maintaining automotive insurance demonstrates financial responsibility. It provides peace of mind in that any bills resulting from an auto accident will be covered. What people often fail to remember is that there are also disadvantages to auto insurance.
No one wants to meet any kind of accident. However, no matter how careful we are, accidents may also take place. For instance, even the most careful drivers can still meet accidents on the road due to some reasons. At one point of our life, all of us are perhaps bound to meet any kind of accident. Aside from the physical and emotional harm, it may also cost financial burden on the victim’s part. For drivers, accidents are quite common and having auto insurance can help decrease some sources of stress in handling the situation.
Don’t wait until you get in an accident to think about Auto insurance. Get in touch with Scurich Insurance today. Don’t panic we are available through filling out the form below, Facebook, LinkedIn, and ourContact Us form.
Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
eMail:[email protected]
Read more
More so than cats and dogs, birds are attracted to shiny objects that sparkle. This means that Christmas lights, garland and Christmas tree ornaments are going to be very attractive to a bird. But these items can be dangerous, even deadly to those avian friends.
Even a small bird has a powerful beak that can easily shatter a Christmas light, creating a situation that leaves the bird vulnerable to electrocution. Or, say a pet bird eats some garland – this can cause intestinal damage and even death.And then there are the ornaments on the Christmas tree – a large bird can easily topple a tree when landing, and a medium bird who can land on the Christmas tree can easily break glass ornaments as he explores them with his mouth.
With all these holiday decorating hazards, bird owners must take precautions. Clipping a bird’s wings will prevent flight, making it easier to prevent the bird from accessing the Christmas tree, the mantle and other locations. Constant supervision when out of the cage is also vital when these new, interesting and potentially dangerous holiday decorations are in the home.
Scurich Insurance wants to protect your whole family including your family companion. Click the link to see what else Scurich Insurance can offer you.
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