Individual Medical insurance is, quite simply, coverage that an individual purchases for himself and/or his family. Individual policies are often purchased with the advice of a professional insurance producer due to the complexity of coverage offerings and the premium cost.
Individual insurance is very different than group health insurance, which is the type of insurance that is offered through an employer. Since laws mandating what types of services must be included in individual policies are often different than those dictating what must be included in group policies, benefits are generally less extensive than what most people would receive through coverage they have through work. Sometimes individual health insurance consumers have the option to pay extra for coverage of additional services like maternity coverage. This extra coverage is referred to as an optional rider.
Coverage in individual policies may be limited due to pre-existing conditions with certain kinds of medical care excluded as a result. This is often referred to as a “rider.” This means that applicants for individual insurance will need to complete a brief medical questionnaire when applying for benefits and, unlike a group insurance policy, in most states a company can decide not to cover people with very serious medical conditions (e.g., HIV or cancer), deeming them “uninsurable.”
Cost is often the primary factor for individual health insurance consumers, which is another reason why the benefits included in individual policies are often simpler. In addition, deductibles (the amount you have to pay before insurance benefits begin) and cost-sharing (the fees you pay directly to medical providers at the time of service) are also generally higher. With Scurich individual medical insurance plans, purchasing medical coverage for individuals is as easy as one-two-three. Get your quotes, choose a plan, and apply.
Scurich Insurance
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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Stories abound about unscrupulous financial managers, sales persons, accounts receivable clerks, and so on. Here are steps you can take to prevent your company from being ripped off by greedy or disloyal employees:
- Conduct random audits of highly sensitive positions, such as finances and technology.
- Make sure you have a standard operating procedure for everything that is done in highly sensitive areas.
- Separate functions that have inherent conflicts. For example, separate the accounts receivable from the account payables function where possible.
- Require specific passwords, double signatures, and other mechanisms to make sure the right people are accessing the right information.
- Don’t tempt people: Lock up blank checks, put away company credit cards, and maintain the confidentiality of passwords.
- Require and examine periodic reports containing reconciled financial and technological information.
- And lastly, mandate vacations. Bankers are required to do so by law for obvious reasons. The last thing you want is somebody who is unwilling to leave early or take a vacation for fear of being caught. Contact us to get more info. We are also available on Facebook and LinkedIn so connect with us today!
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:[email protected]
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Professional liability Insurance protects your business if you are sued for negligence, even if you have not made a mistake. Any professional with fiduciary responsibility for another individual, such as accountants, bookkeepers, and insurance agents, should have some kind of liability insurance coverage to offer protection in the event of calculation errors or misguidance. Medical professionals, including doctors, nurses, physical therapists and others in the medical field, should have medical malpractice insurance to cover claims regarding medical mistakes, misdiagnosis or other professionals have been sued without committing an error. Liability insurance policies can help cover legal expenses to defend against such frivolous or unfounded lawsuits. Even for professionals working as an employee of an organization with its own malpractice insurance, it is a good idea to maintain an individual policy to ensure complete coverage.
Why should you get a Professional Liability Insurance quote from Scurich Insurance services?
All the plans offered by Scurich Insurance are tailored for each occupation to satisfy your unique needs. Applying for your individual policy is easy with us. Our approach is to meet the professional liability insurance needs of design professionals by offering experience and knowledgeable staff, high-quality and competitively-priced products, and thoughtful, attentive service. You can feel secure with Scurich Insurance Services
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:[email protected]
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Directors and officers can be personally sued by share holders, creditors, employees, suppliers, customers, competitors or regulators. Suits can be bought for various reasons. Shareholders might sue for insider trading. Creditors might sue for misrepresenting the financial health of the company. Competitors might sue for anti-trust or unfair trade practices.
Being personally sued can be crippling for individual directors or officers. Just the risk of lawsuits might cause qualified individuals to refuse to take director or officer positions, or it could motivate existing officers or directors to act with excessive caution in pursuing a corporation’s interests. By insuring in Scurich Insurance Services directors or officers against personal liability for their own wrongful acts, D&O insurance addresses these concerns.
Any publicly traded company with a corporate board or advisory committee should consider director and officers liability insurance. Non-profit organizations and private companies could benefit as well from the protection offered by directors and officers liability insurance.
Some actions are excluded by all Directors and Officers Insurance Policy
Always Excluded:
- Bodily injury and property damage
- Intentional and dishonest acts
- Criminal acts
- Violations of state laws resulting in fines or penalties
- Pollution and nuclear waste.
- Libel, slander and false imprisonment
- Employment discrimination or wrongful termination
- Cases involving insured-against-insured actions (i.e., one director suing another)
- Failure to maintain proper insurance
- Punitive damages.
Frequently Excluded:
D&O policies cover claims made during the policy period. It doesn’t matter when the wrongful acts occurred. A claim arising from a lawsuit filed this year for a wrongful act committed last year is covered by this year’s policy. Directors and Officers Insurance is being customized for the unique needs of each client at Scurich Insurance Services. Coverage is generally for some fixed level of claims per year.
Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
Read more
Down through the ages Scurich Insurance Services expertise in Customer’s support we do not work for you but we work with you. Rather speaking about ourselves let our works speak by itself through our customers. In Business Review 360° our customers give away their feedback that confirms you are at right landmark for your insurance.
Check out our new Business Review 360 page or come connect with us on Facebook and LinkedIn!!
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:[email protected]
Read more
Protect your home and your possessions with homeowners insurance from Scurich Insurance Services. For home owners, Home Owner’s Insurance home Owner’s Request insurance protection is an important aspect of homeownership. A Standard home owner’s insurance policy protects the following:
- The physical structure of your home
- Structures on your property (storage sheds, pools, boathouses, etc.)
- Your personal property and belongings inside your home, up to specified limits
- Your liability or legal responsibility for any injuries and property damage you or your family members cause to other people
- Injuries to your household pets while inside your home
- Additional living expenses if a fire or other insured disaster leaves you temporarily unable to live in your home.
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320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
*images courtesy of istockphoto.com
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