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9 years ago · by · 0 comments

5 things parents must know to have “the talk”…about safe driving

car driverAs a caring parent, you have tackled your share of difficult talks with your children, from bullying to underage drinking. Now, as your teen prepares to get behind the wheel, get ready to have “the talk” about safe driving. It may be the most critical conversation that you have with your child.

Car crashes are the leading cause of death among teen drivers, according to theCenters of Disease Control and Prevention.

Due to driving inexperience, teens are more likely to be involved in an accident than other drivers, according to the National Highway Traffic and Safety Administration.  

Based on research, here are five tips to help your “talk” about safe driving be more effective:

  1. Be confident. Know that you can positively influence your child’s behavior behind the wheel.1   
  2. Be a safe driver yourself (if you are not already). Teens tend to follow your example.2
  3. Know the facts about teen driving. Some teens increase their already high collision risk by speeding, drinking, driving at night, having peers as pass
    engers, and being distracted. Your state likely has Graduated Driver Licensing laws to discourage such risky behaviors among new drivers. Learn about them. And resolve to enforce them, along with other like-minded parents.
  4. Approach your talk like a great coach. Stay calm, and set clear expectations and consequences regarding dangerous driving behaviors mentioned above. Also, put expectations in writing in a simple parent-teen driving contract. And give lots of encouragement. Kids, including adolescents, respond best to positive reinforcement.3 
  5. Stay involved. Keep a close eye on your teen’s behavior behind the wheel – even after obtaining a license. Continue to coach them about how to drive more safely. Learning to drive safely takes time, experience, judgment and skill. You may want to consider installing a monitoring device; it provides data on driving behaviors that need improvement. And, understand that you will need to have multiple “talks” with your child.

1 B. Simons-Morton, M.C. Ouimet, “Parent involvement in novice teen driving: a review of the literature,” Injury Prevention, 2006; 12 (Suppl l)i30-i37; Ferguson SA, Williams AF, Chapline JF, Reinfurth DW, DeLeonardis DM. Relationship of parent driving records to the driving records of their children. Accid Anal Prev.2001;33 :229– 234
2 Ibid
3 A. Kazdin, “The Kazdin Method for Parenting the Defiant Child,” New York, Houghton Mifflin Harcourt Publishing Company, 2008.

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9 years ago · by · 0 comments

Ways to help prevent home theft

Scurich Insurance Services, Watsonville, CA, Homeowners InsuranceBurglars will not find your home an “easy mark” if they are forced to work in the light, if they have to take a lot of time breaking in, or if they cannot break in without making a lot of noise.

Research shows that if it takes more than four or five minutes to break into a home, the burglar will go elsewhere.

Most insurance companies provide 2 percent to 15 percent discounts for devices that make a home safer—dead-bolt locks, window grates, bars and smoke/fire/burglar alarms.

However, when improving the security of your home, do not exchange security for personal safety. Do not make your home such a fortress that you are unable to escape in case of a fire or other emergency.

Check your Home for Weaknesses and Correct Them

  • Take the time to “case” your house or apartment, just as a burglar would. Where is the easiest entry? How can you make it more burglar-resistant?
  • Trim trees and shrubs near doors and windows, and think carefully before installing a high, wooden fence around your back yard. High fences and shrubbery can add to your privacy, but can also be an asset to a burglar. Consider trading a little extra privacy for a bit of added security.
  • Force any would-be burglar to confront a real enemy—light. Exterior lights and motion detectors, mounted out of easy reach, can reduce the darkness a burglar finds comforting.
  • Simple security devices—nails, screws, padlocks, door and window locks, grates, bars and bolts—can increase the amount of time it takes to break into your home.
  • Invest in a burglar alarm. The most effective ones also ring at an outside service.

Are any of your valuables—paintings, a silver collection or a computer—easy to see from outside the house? Rearranging your furnishings might be advisable if it makes your home less inviting to criminals.

Simple Security Steps

Doors

Make sure you have strong doors. Outside doors should be metal or solid hardwood, and at least 1 3/4 inches thick. Frames must be made of equally strong material, and each door must fit its frame securely. Even the most efficient lock, if it is placed in a weak door, will not keep out a determined burglar.

A peephole or a wide-angle viewer in the door is safer for identifying visitors than a door chain.

Sliding glass doors present a special problem because they are easy to open, but if you have these doors, you can find special locks for them. A broomstick in the door channel can also help, but cannot be depended on.

Locks

Deadbolt locks are best. They usually are locked with a key from the outside and a thumb turn on the inside. The cylinder (where the key is inserted) should be pick-resistant. Ask your hardware dealer for a reputable brand or buy your locks from a locksmith.

Windows

Key locks are available for all types of windows. Double-hung windows can be secured simply by “pinning” the upper and lower frames together with a nail, which can be removed from the inside.

For windows at street level or on fire escapes, consider installing metal accordion gates.

Home Security Habits

  • Establish a routine to make certain that doors and windows are locked and alarm systems are turned on.
  • Avoid giving information to unidentified telephone callers and announcing your personal plans in want ads or public notices (such as giving your address when advertising items for sale).
  • Notify the police if you see suspicious strangers in your area.
  • Do not carry house keys on a key ring bearing your home address or leave house keys with your car in a commercial parking lot or with an attendant.
  • Do not hide your keys in “secret” places outside your home—burglars usually know where to look.


Vacation Tips

  • Leave blinds open in their usual position.
  • Have mail and packages picked up, forwarded or held by the post office.
  • Lower the sound of your telephone ringer and answering machine so they cannot be heard outside.
  • Arrange to have your lawn mowed in summer and your walk and driveway shoveled in winter.
  • Stop newspaper deliveries.
  • Ask a friend to pick-up “throw-away” newspapers and circulars.
  • Use automatic timers to turn lights on and off in various parts of the house at appropriate times. Consider connecting a radio to a timer.
  • Tell police and dependable neighbors when you plan to be away and join with your neighbors to keep a close watch on what’s happening in your area. Working closely with them is a good way to prevent crime.

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9 years ago · by · 0 comments

Ways to help you stay safe in a work zone

Be careful driving through work zones

Roadwork can be frustrating, but it is a necessary fact of life. 

When you have to be somewhere and traffic builds because of roadwork, it can be easy to become impatient – which can be dangerous in a work zone.  Did you know work zones are a major cause of auto accidents? During 2012, these accidents resulted in 609 fatalities and about 32,000 injuries.¹

Here are some tips that can help you and others stay safe when there is roadwork ahead:

  • Be prepared for the unexpected. Things can change quickly in work zones. Slowed or stopped traffic, a traffic lane closure, or equipment and workers on the roadway are all possible.
  • Slow down. More than one-third of fatal accidents in work zones are caused by speeding.² Obey the posted speed limit, even if you do not see any work currently in progress. 
  • Keep a safe following distance. Rear-end collisions account for 30 percent of work zone accidents.³ Keep a safe distance between you and other cars and construction workers and equipment to help avoid accidents.
  • Obey road crew flaggers and road signs. Flaggers and warning signs are there to help all drivers move safely through the work zone.
  • Stay alert and focused. Your full attention should be on the road. Multitasking while driving is never recommended, especially through a work zone. 
  • Keep up with traffic. Do not slow down to watch the roadwork.
  • Plan ahead. Before hitting the road, check a traffic report for delays. Be sure to plan enough time to help you reach your destination on time.
  • Be patient. While roadwork can be an inconvenience, remember that the crews are working to improve roads and make everyone’s drive safer.

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9 years ago · by · Comments Off on How does my loss ratio affect business insurance premiums?

How does my loss ratio affect business insurance premiums?

Scurich Insurance Services, CA, Workers CompensationAny new business is considered to be high risk by your insurance company, and the appropriate premiums will be charged. After all, you have not had the opportunity to prove otherwise. As your business becomes more established, though, other factors come into play and help determine your business insurance premiums. Your loss ratio is one such factor that insurance companies take into consideration.

Loss Ratio Explained

The loss ratio can most easily be explained as the ratio between the premiums that the insurance company receives from you compared to the amount of money they pay out as the result of claims to your business. A simplified example that helps you understand how insurance companies look at loss ratio is this:

  • If you pay your insurance company $200 a month, that is $2,400 per year in premiums they receive.
  • Suppose your business is paid $1,200 in covered claims by your insurance company that year.
  • This results in a loss ratio of 50 percent for your insurance company.
  • Your insurance company had a profit from your business of $1,200 since they paid out half ($1,200) of the yearly premium you paid them ($2,400) because of the claims they paid to you ($1,200).

Loss Ratio and Your Insurance Premiums

If your loss ratio is higher than comparable businesses in your industry, you will likely pay higher premiums for your insurance coverage. The same is true if you have one year that is marked by a high loss ratio even if you have shown a low loss ratio during the years prior to that particular year. Your insurance company can help you find the policy that best applies to your own unique business situation.

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9 years ago · by · Comments Off on Are you offering your employees the best benefits possible?

Are you offering your employees the best benefits possible?

silhouettes2Finding — and keeping — great employees is always the challenge of any business. While recruiting and training employees can be an expensive process, it is an investment in the growth and well-being of your company. In order to protect your investment, you need to make sure you are giving your employees the best benefits for their needs.

Health Insurance

Whether you are required by the federal government to provide health insurance to your employees or not, you should offer them the choice. In addition, paying for a certain portion of that health insurance goes a long way toward retaining those high-quality employees you worked so hard to find and train.

Retirement Plans

If you have a young workforce, you might not think that they are concerned about retirement. Even though young people thrive on adventure, it doesn’t mean that they aren’t planning for their retirement. Offering the option to pay into a retirement plan helps your employees plan for their future and makes them feel like you are invested in that with them.

Other Benefits

While other benefits such as life insurance, disability insurance and vision and dental coverage might not be on the must-have list for all of your employees, it is still important to offer them these options. Providing a range of different benefits allows your employees to pick and choose those options that best fit their situation at that time. You will likely find that their choice of benefits changes as their life circumstances change. A 20 year old employee, for example, might not be interested in obtaining life insurance until he becomes a father years later.

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9 years ago · by · Comments Off on What is hired and non-owned auto liability insurance?

What is hired and non-owned auto liability insurance?

car guyAuto insurance can be a bit tricky when it comes to your employees. While you might think that they are covered under your basic auto insurance policy you have for your business when they are on the clock, there are times when your employees might not be. When using a business vehicle to complete business-related activities, your employees are covered if they happen to get into an accident or otherwise cause damage. When the same activities for your business are undertaken while they are using their own private vehicles or a rental car, though, the rules are a bit different. This is where hired and non-owned auto liability insurance kicks in.

Why Choose Hired and Non-Owned Auto Liability Insurance

In most cases, your employee’s own private insurance will provide enough coverage to account for any damages that are caused while they are completing business. In today’s litigious-minded environment, however, the costs of any accidents or damage could easily exceed the limits that are in place on your employee’s coverage. Hired and non-owned auto liability insurance provides you with that necessary extra layer of coverage that protects your business.

Coverage Details

Hired vehicles that are covered by such a policy include those that are borrowed or rented while the non-owned vehicles portion covers those vehicles that are owned by people besides the business — including your employee’s vehicle. While this type of coverage is usually added as a rider to your business insurance policy, your insurance company can also add it to your general insurance policy if you do not have a separate business policy. Doing so protects your business if your employees get into an accident while using a non-business vehicle and supplements the policies provided by rental car agencies.

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Company information

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

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(831) 661-5697

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