Scurich Insurance Services cares about you having the proper coverage on your insurance policy. Contact any of the helpful and friendly agents at Scurich Insurance Services today with any questions regarding your insurance policy.
Mike began his insurance career in 1984 as a personal lines underwriter for Continental Insurance Company in Sacramento.
In 1986 he joined USF&G as a commercial lines underwriter in San Jose, CA. The training and experience he gained in both positions are key to his success as an owner/broker for Scurich Insurance. Mike joined Scurich Insurance in 1989 and has been with the agency ever since.
He focuses on commercial accounts and enjoys working closely with and getting to know his clients on a personal level.
Mike graduated from Santa Clara University in 1984 with a degree in English.
He and his wife Jennifer, live in Watsonville and have one daughter age 23 and two sons ages 21 and 19.
Contact Mike Scurich or any of the helpful and agents at Scurich Insurance Services today with any questions regarding your insurance policy.
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 our helpful and friendly agents at Scurich Insurance Services will contact you to answer any of your questions about your worker’s compensation insurance policy!
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To help you make sure make sure that your business has the right Commercial Auto policy at the right price, we’d recommend following these guidelines:
Make sure to cover all vehicles that your employees drive on company business. This could include vehicles that employees own, lease, or rent – as well as those that the company owns.
Determine whether you need Personal or Commercial Auto insurance. You might be able to save money by covering vehicles with a less expensive Personal Auto policy in some situations — for example, by registering title to a vehicle in your name. However, if the company owns the vehicle, you’ll need Commercial Auto coverage. Bear in mind that a Personal Auto policy should include the contents of the vehicle, as well as medical costs if a driver suffers an injury on company business.
Be sure to comparison shop. Because every insurance company sets Commercial Auto premiums and coverages in its own way, prices (and values) can vary significantly. Because we represent a variety of companies, we can offer professional advice on finding a policy that’s tailored to your needs — and pocketbook. Just give us a call.
Contact any of the helpful and friendly agents at Scurich Insurance Services today with any questions regarding your commercial insurance policy!
Today Watsonville High School is hosting a golf tournament in honor of Tommy Arita to benefit the Watsonville High School Athletic Department. With their mission being to provide essential support for Watsonville High School Athletics while still honoring Tommy Arita a man who loved youth sports, it can easily be seen that this tournament will accomplish this mission.
The High School is hosting this event at the Pajaro Valley Golf club in Watsonville, the event today includes a 4-person scramble, box lunch, a BBQ dinner and an awards dinner following dinner it will be a great event for all. There are many different packages available for donations to help support today’s tournament and Scurich Insurance Services welcomes you to help them support Watsonville Athletics in any way that you can.
Come out today and help your Personal and Commercial Insurance Agents at Scurich Insurance Support out local High School Athletes raise money for their school!
For more information about today’s events you can go to their website.
Key Person insurance is often called Key Man insurance or Keyman coverage. It is a policy taken out by a business to allow compensation for financial losses resulting from the incapacity or death of an important employee. Although there is no legal definition for it, Key Person insurance is an important type of business coverage. Another purpose of this coverage is to contribute to the continuity of the company. A policy’s term does not exceed the point of the key individual’s usefulness. Although this coverage does not indemnify actual losses, it does provide a fixed sum. The exact sum is specified in the policy’s verbiage.
Employers may obtain Key Person insurance for the health or life of a worker contributing special skills, knowledge or other contributions. To be considered for such coverage, a worker’s contribution to the company must be uniquely valuable or consume a considerable portion of the company’s worth. Employers obtain this coverage to offset the costs associated with losing the employee. Expenses such as hiring successors, decreases in business and training temporary workers are all important considerations for employers.
Who Qualifies as a Key Person. Anyone who is associated directly with the business may be considered a key person. In addition to this, individuals whose loss could result in serious financial strain usually qualify. For example, company directors, key salespersons, partners, key project managers or other valuable individuals with unique skills normally qualify.
Loss Categories for Key Person Insurance. For Key Person insurance compensation, there are four separate categories:
The treatment of funds received and tax rules for premiums paid for key person coverage vary. In the United States, premiums are not tax deductible. To learn more about Key Person coverage, discuss the options with one of our agents.
Contact Scurich Insurance today about what your Business Insurance Policy covers!
Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741
Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700
Mailing:
PO Box 1170
Watsonville, CA 95077-1170
E-mail address:
[email protected]
Available 8:30am - 5:00pm