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8 years ago · by · 0 comments

Avoiding Farm Machinery Hazards

Even though farm machinery manufacturers try to ensure that their products are safe by equipping them with safety guards, agricultural work presents many hazards. Many times, workers suffer injuries because of human error from taking a shortcut, ignoring warning signs, not paying attention or not following safety rules.

Here are some of the most common farm machinery hazards, as well as several safety recommendations to reduce your risk of injury:

Shear Points and Cutting Points

  • Shear points occur when the edges of two objects move close together and can cut soft material (example: auger).
  • Cutting points occur when an object moves forcefully and is able to cut (example: sickle blade).

To avoid injuries, remain alert while operating machines with shear and cutting points. Also, advise others to watch out because some cutting machinery can throw objects while in use.

Pinch Points

  • Pinch points are created when two rotating objects move closely together, one moving in a circle.
  • Hands and feet can get caught in pinch points, or other body parts can get pulled into pinch points when loose clothing becomes entangled in the machine.

To avoid injuries, wear tight-fitting clothing and never reach over or work near rotating parts. Also, identify places where pinch points can occur and avoid these areas.

Wrap Points

    • When exposed machine parts rotate, they create wrap points. Loose clothing can get caught in the moving parts, and consequently pull workers into the machine.

To avoid injuries, shield potential wrap points before beginning your work. If wrap points cannot be shielded, paint them a bright color to remind yourself that they are there.

Crush Points

  • Crush points occur when objects move toward one another, or one object moves toward a stationary object. Workers can be crushed in between.
    Block equipment securely to avoid fatal crushing injuries.

Free-wheeling Parts

  • Some equipment with moving parts continues to spin after being shut off.

To avoid injuries, wait until the machinery has completely stopped before touching it. This can take several minutes.

Hydraulic Systems

  • When servicing, adjusting or replacing parts on machines with hydraulic systems, workers can face high-pressure blasts of hydraulic oil. This can cause injury and/or burns to the skin.

To avoid injuries, do not inspect hydraulic hoses with your hands because the hydraulic fluids can puncture the skin.

Take time to become familiar with the potential hazards of the machinery you work with and remember to always put safety first!

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10 years ago · by · 0 comments

What are my options for insuring farm equipment?

TractorIn most aspects of life there exists insurance to help in protecting assets in the case of damage or unfortunate loss. When it comes to farms this is no exception; however, the typical business insurance or ordinary car insurance will not meet the bar when it comes to insuring the farm and tractors. It is advisable that if your business is farming or you are thinking about purchasing a weekend farm getaway that you consult with an insurance professional with experience in farming.

There is a famous saying that “knowing is half the battle,” so our goal is to review a few areas that have specific insurance needs. This way when you meet with an insurance professional you can get on the right track. As a general rule farm property is covered under specifically qualified policies to include farm machinery, livestock, farm trailers and even irrigation equipment. Depending on the coverage there may even be automatic coverage for new equipment up to $100,000 for the first 60 days – similar to a new born child being under the parents insurance until the child is individually registered. There are other types of equipment such as antennas and satellite radio devices typical on farms in extremely rural areas. In addition to coverage for these types of items there are other optional coverages that should be considered.

Depending on the exact type of farm things like chicken coups, silos, fences and feed racks have the ability to be covered under a farm policy. For those living in the city the details of a chicken farm and the equipment to keep it functioning are just not a reality. However for the farmer, these are essential aspects to their daily life. This is precisely why insurance companies carefully address all the details involved in farm life. Additional coverages are even defined as to the type of use of the equipment, because farm life can vary drastically.

One of our insurance professionals will review your farm and equipment to explain all available coverages and its intricacies.

Content provided by Transformer Marketing.

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10 years ago · by · 0 comments

Agriculture Insurance during a water shortage – an important factor

CropOne of the most troublesome environmental issues is water shortage. As the population increases, industries develop, and weather patterns change, the issues of water shortage become more prevalent. The agricultural industry requires a tremendous amount of water to operate and it is in the top industries for water consumption. Everyone knows that crops require soil, sun, and water. In some cases of hydroponics soil in not even utilized, it is solely reliant on water. Since an industry is hinged upon the variable of the existence of water, the insurance industry has developed a form of protection for those in the agriculture industry – agricultural insurance.

Crops are the predominate victim in a water shortage and depending on the crop will determine the sensitive to water issues. Farmers should immediately discuss the specifics of crop insurance to account for potential water shortage issues. Typically, the farmer must select the percentage of the crops covered and at a specific price point. A common range can vary from 50% – 85% of a crop. In order to meet necessary criteria for each crop, there are guidelines specific to time of year, type of crop, and deadlines to applying to obtaining coverage. This is a simple process, but because there are many intricacies it is always advisable to connect with and insurance expert to help navigate individual needs.

The reason for the many variations and deadline surrounding crops is directly connected to the federal laws and regulations that spearheaded the industry to protect farmers and food protection in the United States. Some of the information that is weighed when obtaining the right coverage for water shortage risk are things like the type of harvest, production history, yield, and environmental history. These factors are important in determining type of policy and when reporting of water shortage damage. A specific accounting and log of crop damage is vital to maintaining in line with an agricultural policy, due to the already sensitive nature of crops.

Don’t make the mistake at going at this alone. Contact one of our agents today.

Content provided by Transformer Marketing.

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11 years ago · by · 0 comments

How Agribusiness Insurance can protect your business

Agribusiness Insurance protects not only your farm in Phillipsburg, KS, but it also provides peace of mind for your shareholders and other individuals or entities that may hold interest in your company. Insurance for your agriculture business protects not just you, but also anyone else who might have an interest in your farming business.

Having a crucial piece of machinery break down or the sudden onset of inclement weather can affect your business. If you have commercial insurance coverage with Scurich Insurance in Watsonville, you can reduce the chances of disaster having a negative impact on your cash flow.
Some types of coverage that can help your agribusiness include the following:
• Should an interruption occur in your cash flow, Income Loss coverage could help you recover some of your revenue.
• Some farm owners give tours of their farm or give hay rides to supplement their income. Agritainment liability will protect you in the event of an injured guest. Custom equipment and tractors can be covered with an Equipment Floater.
• If one of your workers should get injured on the job, Workers’ compensation will give much needed protection.
• Should a critical piece of machinery break down, Mechanical Breakdown coverage will add to your protection.
Call Scurich Insurance Services at 1-800-320-3666 today and find out how you can protect your agribusiness.

 Scurich Insurance Services has proudly served the Monterey Bay area since 1924.  Scurich will take care of all of your insurance needs.  Are you a business owner, did you get a new car or maybe you are looking to protect your family in the event of a tragedy?  Give us a call, we can help!

We are located at:

Scurich Insurance Services

320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office:
1-831-722-3541
Toll Free:
1-800-320-3666

 

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12 years ago · by · 0 comments

We Have Been Serving the Agriculture Community Since 1924

Scurich Insurance Services, located in Northern California, has been serving the Agriculture community since 1924.

We would like the opportunity to compete for your Agriculture Insurance coverage. Here are some areas we can help you in the near future:

Protect your Property | Protect Your Equipment | Protect your Employees | Protect against Law Suits

Not sure if you’re covered enough? We can help find fatal gaps in your current policy and avoid potential disaster.

But don’t take our word for it, here are some comments from business owners, like you:

“In the early 80’s I was approached by Tony Scurich himself about his insurance opportunities and I really loved the idea of a local family -owned business. We were insured with Scurich Insurance for our previous business so when we opened Lakeside Organic Garden, it was a no brainer who to insure with. If I had to rate Scurich Insurance I would rate them as an 11 on a scale from 1-10 because of their excellent customer service and the ease of trusting them through their consistent honesty. “Joanne, Lakeside Organic Gardens
“In 2009, I started looking for insurance for my company, MKM farms. We’re located in Salinas, CA. Scurich Insurance contacted me and I had to take it as a sign for perfect timing. Not only did I save money when I switched from the provider I was with, but I quickly learned that Scurich Insurance provides great customer service which really adds to the overall appeal of the business. Working directly with Mike and Tony, the owners, is an awesome amenity as well. It just adds to the comfort of knowing things will get done.”Doug Iwamoto, MKM Farms, Inc.

Start Here to complete our simple Request Form and a representative will respond within 24 hours.

We look forward to offering you great service.  To learn more about us and to stay in contact with us, follow us on Twitter!

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12 years ago · by · 0 comments

Agriculture Insurance

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.
If you want to learn more about Scurich Insurance and what they have to offer, click the link to be directed to their website!
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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

Available 8:30am - 5:00pm