Scurich Insurance Services, located in Northern California, has been serving the Monterey Bay Area since 1924. We understand that each state has its own workers’ compensation laws that handle claims from employees who are injured while working and those laws make it difficult to understand what is and is not covered. Fill out the form below to complete our simple Request Form and an agent from Scurich Insurance will respond within 24 hours regarding your workers’ compensation policy.
If you’re looking for better service, lower prices or just need a change, we are easy to find.
Not sure if you’re covered enough? We can help find fatal gaps in your current policy and avoid potential disaster.
Down through the ages Scurich Insurance Services, located on the central coast of California, has developed an expertise in Customer’s support by not working for you but working with you instead. Rather speaking about ourselves, we let our work speak by itself through our customers.In Business Review 360° our customers provide us their feedback which confirms you are at the right landmark for your insurance.
“I have had Scurich Insurance cover my home, vehicles, trailer and boat for so many years I can’t remember who I had last. I haven’t spent any time shopping around because due to previous experience I have been well taken care of after many incidents in my life that required assistance, attention and insurance coverage. To me that is worth any money that I might save by leaving for a less expensive company. Thank you.” Stacey T. Truckee, CA 3/1/2012
Scurich Insurance Services would like to invite you to take our Happy Customer Survey so that your testimonial on why you are a Happy Customer of ours will appear on our Business Reviews 360° page.
Every state battles fraud and abuse of its Workers Compensation system. Even though you use Worker Comp to protect your employees and keep your premises safe, you might well end up paying higher premiums because other firms, employees, and medical providers have no compunction about cheating the system through fraud and abuse.
Workers Comp fraud involves such criminal acts as workers falsifying claims, employers misclassifying high-risk workers with less dangerous jobs to lower their premiums, and physicians exaggerating injuries and their treatment and overbilling insurance companies for expensive services never rendered. Fraud has led a number of states to pass legislation simplifying the prosecution of offenders. On the judicial front, some states provide insurance companies with immunity from lawsuits if they report Workers Comp violators. On the downside, insurers need to tread cautiously because a firm wrongfully accused of fraud has legal recourse after a false report or misleading statement.
Unlike fraud, Workers Comp abuse isn’t a felony, although it also increases premiums for everybody. Usually, this misuse of benefits involves a worker who uses unnecessary medical services, remains away from work after their injury has healed, or reports an off-hours injury as happening on the job.
According to a recent Insurance Research Council survey, more than one in four workers (28%) believe that padding Comp claims is justified to recover the policy premium, which they aren’t even responsible for paying! Insurance companies have trouble detecting this common abuse, especially when they’re up against a stress or soft-tissue injury, because there are few if any physical symptoms. This attitude among workers might be an extension of the belief that claims-padding on policyholders’ Personal insurance coverages (Auto or Homeowners) is simply a way of getting their money’s worth from their premium.
As a business owner or manager, you can help curb Workers Comp fraud and abuse and keep your premiums under control by:
Screening out potential abuses when you recruit employees and assign jobs.
Developing close, mutually respectful relationships with your workers to minimize any grudges against management that might encourage abuse.
Keeping close tabs on potential abuses of the system.
We’d be happy to work with you in reaching these goals. Contact any of our helpful and friendly agents at Scurich Insurance Services with your questions regarding Worker’s Compensation. Connect with us on Facebook to learn more about us and stay informed regarding all insurance related topics.
As seen in: Property Casualty 360 9/1/2011 By Ed Domansky
At Scurich Insurance Services, located in Watsonville, California, we understand that our nations economy can make the daily operations for your business difficult. While it is important for you to protect your revenue stream besides just creating the steady stream as well. Here at Scurich Insurance Services, we want to appropriate Commercial General Liability Insurance (CGL) to be apart of your business plan. There are things you can do to not only better understand your Commercial General Liability Insurance but to also keep all of your risks protected.
Understand what your policy does. CGL protects the business owner if someone is injured or property damage occurs on the premises.
Speak with your agent to make sure your insurance coverage is up to date for your insurance needs.
Keep your agent up to date with any legal issues that can affect your business from running properly
Provides the business owner with legal defense if a law suit is filled against them.
Speak to your agent so that you know what is covered with your policy and what kind of risks are not covered with your policy.
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Down through the ages Scurich Insurance Services, located on the central coast of California, has developed an expertise in Customer’s support by not working for you but working with you instead. Rather speaking about ourselves, we let our work speak by itself through our customers.In Business Review 360° our customers provide us their feedback which confirms you are at the right landmark for your insurance.
Scurich Insurance Services, located in California