At Scurich Insurance Services, located in California, we understand that Commercial Insurance is different than Personal Insurance in many ways. we also understand how important it is for the Commercial Insurance Broker to have a specialist commercial experience and professionalism in the following areas so that you can have the proper coverage for your business.
- Commercial Property
- Manufacturers
- Distributors
- Hotels
- Shops and Offices
- Motor Traders
- Professional Indemnity
- Offshore Liabilities
- Mining
- Marine
- Private Hire
- Tradesman’s Liabilities (big or small)
In addition to having the knowledge and experience in the areas above Scurich Insurance Services also provide other services that go well beyond your insurance policy with us. When you partner with us for your Commercial Insurance Policy, we will not only partner with you to provide superior service and value but we will also understand your business within our community. Contact any of the helpful and friendly agents at Scurich Insurance Services today with any questions regarding your Commercial Insurance Policy with us or to speak to one of our agents regarding starting a policy with us today.
Read more
Although you’re aware of the Americans with Disabilities Act (ADA), you might not understand how to implement it in your small business. The Equal Employment Opportunity Commission (EEOC) can help.
The Americans with Disabilities Act: A Primer for Small Business outlines the provisions of the ADA and provides valuable examples, tips, and caveats:
This EEOC publication covers:
- Who’s protected by Title I of the ADA.
- How to make ADA services accessible.
- The use of tax credits and deductions to offset specific costs.
- How to avoid mistakes when interviewing applicants with disabilities.
- What questions you’re permitted to ask employees about a medical condition.
- What to do if safety issues arise.
- Various aspects of reasonable accommodations requirements.
- Tax incentives for businesses that hire and retain people with disabilities.
If you provide goods and services to the public, check out the ADA Guide for Small Businesses, a 15-page illustrated guide that presents an overview of some basic requirements for small businesses. It provides guidance on how to make these services accessible and use tax credits and deductions to offset specific costs. You can access the guide at ADA Guide for Small Businesses (HTML) or ADA Guide for Small Businesses (PDF). Spanish, Cambodian, Chinese, Hmong, Japanese, Korean, Laotian, Tagalog and Vietnamese editions are available from the ADA Information Line: (800) 514 -0301 (voice) or (800) 514-0383 (TTY).
Reading up on the ADA can help you avoid costly lawsuits. Get smart on the law — and call us to make sure you have the coverage you need to protect your business against this risk. At Scurich Insurance Services, located in Watsonville, California cares about all of your Insurance needs, so contact us today with any questions regarding your Commercial Insurance Policy.
Read more
Examples abound of workers offering their skills outside the workplace: Nurses and doctors aid the injured or ill; contractors assist someone with heavy lifting or short hauling while on a hardware run; benevolent computer techies make a quick fix for a customer without a dispatch order. If one of your employees suffers an injury while providing such help, can the employee collect under Workers Comp? After all, they were doing their work.
A California correctional officer, injured while helping at the scene of an accident on his way to work, was denied Workers Comp benefits on the basis that his services did not qualify as regular employment. Citing an ethical standard set forth for correctional workers in the Ethics Cadet Workbook, the injured officer claimed it was his ethical duty as a corrections officer to assist those in need, regardless of when or where. Hence, he argued that his services at the accident were related directly to his employment.
However, the court disagreed, stating that: “The fact that the law enforcement code of ethics for correctional officers speaks of a duty to serve humankind and safeguard lives and property does not confer authority on a correctional officer to act outside the scope of his statutory jurisdiction.”
Knowing the eligibility rules for Workers Comp benefits is essential for you and your employees alike. Now might be the time for a refresher course. For more information about your Comp coverage rules, call our service team today.
Contact any of the helpful and Friendly agents at Scurich Insurance Services with any questions regarding your Worker’s Compensation Policy with us.
| 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 Us! |
Read more
Our Happy Customer program is specially designed to capture your feedback and opinion.
If you would also like to share your experience with Scurich Insurance Services, please do participate in Happy Customer. We would love to hear from you!
Here are a few testimonials from some of our Happiest Customers!
“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
Please complete this simple Satisfaction Survey and tell us how you feel about our service!
Contact any of the helpful and friendly agents at Scurich Insurance Services today with any questions regarding your insurance policy.
Read more
Although most people think of business places as safe and serene, in fact they’re rife with risks, both inside and outside the building. Security experts recommend taking these safety precautions:
- Parking Lot Security/Lighting. Because crime flourishes in the dark, implement a “buddy system” to ferry workers to and from their cars. Limit parking lot access to controlled points and have the lots as well lit as possible. In fact, light is such a deterrent to crime that it’s wise to keep your entire facility lit, inside and out, during non-business hours.
- Entrance Area Safety. Make sure a receptionist is on duty at all times. Provide a registration system for all visitors (even if they wear the uniform of contract cleaning or other service personnel). Have all doors, windows, and locks checked frequently for proper operation. Use badge or other photo ID systems, with frequent checks of entry code systems. Never let employees prop open a door with a chair so that it doesn’t lock behind them outside on a break.
- Suspicious Activity. Urge employees to report any suspicious persons or activity around the building. Never allow employees to open suspicious packages. Instead, report them to the authorities for proper search and disposal.
- Information Safety. Unfortunately, it’s increasingly easy for computer hackers or disgruntled employees to steal your organization’s vital business information. To guard against this threat, use the latest security software for your entire system, updated frequently, and make sure to have regular backups for this information. Shred paper documents with critical information as soon as they’re no longer needed.
- Equipment Security. Keep an inventory of all your critical equipment, hardware, and software. This is especially important as electronic devices keep shrinking in size, making them easier to conceal and remove. Having an inventory (many experts suggest taking photos of important items) will also make it easier for your insurance carrier to process any claim if anything “goes missing.”
- Employee Valuables. Provide secure places, such as lockable drawers and closets, for employee property and encourage their use. Valuables, especially any item that reveals personal information, should be locked away during company gatherings or breaks.
- Safety Team. Set up a group of managers and employees who meet regularly with a set agenda.
Read more
Each state has its own workers’ compensation laws to handle claims from employees who are injured on the job. These laws are strict liability – fault and negligence by the employer are not considered in order to collect benefits. Punitive damages are not available to the employee.
The legal defenses available in a civil action such as comparative negligence and assumption of the risk are not available to the employer in workers’ compensation.
However, the injury or illness has to be incurred in the course of employment in order for the workers’ compensation system to provide benefits to the injured worker. Workers’ compensation is generally the exclusive remedy for an employee’s injuries or illnesses arising out of the course of employment.
It is typically required by the state for every employee – although state law may provide for specific exemptions for officers/owners, small companies (those with three/four/five or fewer employees), domestic workers, farm hands, and independent contractors.
Fill out the form below and one of the helpful and friendly agents at Scurich Insurance Services will contact you to answer any questions you may have regarding your workers compensation policy.
[formidable id=15 title=true]
Read more
