Contractor’s Equipment Coverage is not necessary for most investors or builder’s but for those who build or start many projects each year, such as commercial builders, this is an extremely important form of insurance.
Whereas builders risk insurance covers buildings and structures in the course of construction, equipment such as compressors, generators, trailers, cranes, bulldozers, graders, forklifts, mobile tools, etc. are not covered and commercial property policies limit the coverage they provide for contractor’s equipment.
Even self-employed carpenters, who take on smaller jobs such as building decks, patios, screened-in porches, and the like, use tools and equipment that need to be insured. Similar to builder’s risk insurance, contractor’s equipment coverage is an important part of almost any construction project.
The cost of this equipment varies, but larger machinery and equipment can be extremely expensive, with some worth hundreds of thousands of dollars or more. Contractor’s Equipment Insurance provides coverage for damage to mobile equipment, including tools and machinery, used in construction as well as in a variety of other activities. The additional perils of flood and earthquake damage are also often covered in contractor’s equipment policies.
Scurich Insurance is here to he for your Insurance needs.
Scurich Insurance Services
320 E Lake Ave.
Watsonville, Ca 95076
(813) 772-3541
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I enjoy pleasing my clients and strengthening our rapport by providing the best insurance service I can.
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-Tony Scurich
Scurich Insurance Services
320 E Lake Ave.
Watsonville, Ca 95076
(813) 772-3541
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Defective electrical wiring systems cause approximately 40,000 residential fires annually, according to a United States Consumer Product Safety Commission (CPSC) study. In addition, electric cords and plugs are involved in about 7,000 fires annually. The National Electrical Safety Foundation offers numerous tips to safeguard the home against electrical fire and related losses, including the following.
- Verify that outlets and extension cords are not overloaded
- Examine electrical cords to ensure they are not frayed, damaged, or placed under rugs or carpets.
- Verify that the proper wattage bulbs are being used in light fixtures and lamps.
- Consider installing ground fault circuit interrupters (GFCI) in bathrooms, utility rooms, and kitchens. This device protects people against electrocution by shutting down the electrical system if it detects any imbalance in the electricity.
Take steps to safeguard electrical appliances from power surges. A power surge is a sudden rise of current or voltage in an electrical circuit that can last up to several seconds and can ruin electrical appliances and equipment, such as computers. Note that computer chips are now in many of the appliances you plug in. You can purchase surge protection devices to safeguard against this problem.
Consider updating the entire electrical system if the home is over 40 years old. Older homes are more susceptible to electrical fire. For example, many older homes contain aluminum wiring, which is much more likely to start fires than the copper wire required by modern building codes.
Install child tamper-resistant electrical outlets to prevent a child from inserting something into the outlet holes.
Install arc fault circuit interrupters (AFCI) to avoid fires caused by arc faults. An arc fault is a discharge of electric current across a gap. This can be caused by improper electrical connections, pinched wire insulation, and overheated wires.
Note that many insurers offer discounts for some of these electrical safety improvements. Please call for details.
If you would like more information on Scurich Insurance and what services we can provide for you, we have a great website!
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Scurich Insurance Services has been serving the Monterey Bay Area since 1924. Our mission is to partner with our customers and provide them superior service and value. We are a member of United Valley Insurance Services, Inc., a cluster of over 70 California Independent Insurance agencies, which produced over $530,000,000 of annual premium last year.
At Scurich Insurance Services we understand your business and our community. Our customers look to us for comprehensive solutions. We have established relationships with more than 40 of the nation’s leading insurance providers, which allows us to deliver multiple, competitively-priced options and a team of experts to guide you through the process.
When you need to file a claim, change a policy or process a certificate you can depend on Scurich Insurance Services to respond quickly to your request.
Scurich Insurances can provide commercial packages, farm bureau discounts, farm packages, workers compensation, professional liability, umbrella, group benefits group life & health personal auto , home, life, health and much more. We can also help you plan wisely and guide you in the evaluation of risk management, We serve Watsonville, California and surrounding areas. We represent over 50 Insurance carriers to better protect your business.
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Agriculture Insurance is purchased by agricultural producers, including farmers, ranchers, and others to protect themselves against either the loss of their crops due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodities. The two general categories of crop insurance are called crop-yield insurance and crop-revenue insurance.
- Crop-yield insurance There are two main classes of crop-yield insurance:
- Crop-hail insurance is generally available from private insurers (in countries with private sectors) because hail is a narrow peril that occurs in a limited place and its accumulated losses tend not to overwhelm the capital reserves of private insurers. The earliest crop-hail programs were begun by farmers cooperatives in France and Germany in the 1820s.
- Multi-peril crop insurance (MPCI): covers the broad perils of drought, flood, insects, disease, etc., which may affect many insureds at the same time and present the insurer with excessive losses. To make this class of insurance, the perils are often bundled together in a single policy, called a multi-peril crop insurance (MPCI) policy. MPCI coverage is usually offered by a government insurer and premiums are usually partially subsidized by the government. The earliest MPCI program was first implemented by the Federal Crop Insurance Corporation (FCIC), an agency of the U.S. Department of Agriculture, in 1938. The FCIC program has been managed by the Risk Management Agency (RMA), also a U.S. Department of Agriculture agency, since 1996.
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Scurich Insurance and what they have to offer, click the link to be directed to their website!
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YOU ONLY HAVE TODAY to enter our big Kindle giveaway!
If you want to enter for your chance to win, click the link below to be directed to the entry form!
Click Here To Enter!
A Kindle is a device used to electronically store and read material such as books. The Kindle is extremely portable and has a high storage capacity allowing for the storage of hundreds of books. There are several versions of the Kindle and most of them are easily viewed even in sunlight. There are various styles that fit many personalities. A great deal of information can be found online at a Kindle board and forum.
Good Luck and thanks for your support.
Also, if you have not heard of Scurich Insurance and are currently living in the Bay Area here are some services they provide. Some of the services are, Agriculture,Risk Management, Business Insurance, Safety Services, and Workers Compensation. That is just a short list of what Scurich Insurance can offer you!
Scurich Insurance Services has been serving the Monterey Bay Area since 1924. Our mission is to partner with our customers and provide them superior service and value. We are a member of United Valley Insurance Services, Inc., a cluster of over 70 California Independent Insurance agencies, which produced over $530,000,000 of annual premium last year. At Scurich Insurance Services we understand your business and our community. Our customers look to us for comprehensive solutions. We have established relationships with more than 40 of the nation’s leading insurance providers, which allows us to deliver multiple, competitively-priced options and a team of experts to guide you through the process.
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