Scurich Insurance Services, located in Northern California, has been serving the Monterey Bay Area since 1924. We understand that each state has its own workers’ compensation laws that handle claims from employees who are injured while working and those laws make it difficult to understand what is and is not covered. Fill out the form below to complete our simple Request Form and an agent from Scurich Insurance will respond within 24 hours regarding your workers’ compensation policy.
If you’re looking for better service, lower prices or just need a change, we are easy to find.
Not sure if you’re covered enough? We can help find fatal gaps in your current policy and avoid potential disaster.
We look forward to offering you great service!
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As seen in: santacruzlive.com 9/6/2012 By Ramona Turner
The California Office of Traffic Safety has recently reported that the usage of seat belts among teen is at an all time high of 96.1% this year. Overall this rate is up from 4 years ago when it was reported that only 88.9% of all teens were wearing seat belts. The California Office of Traffic Safety has credited the increased percentage to seat belt enforcement and education campaigns that are being used. These seat belt enforcement and educatiion campaigns are: Click It or Ticket, Start Smart, Teen Smart and Friday Night Live.
All of the helpful and friendly agents at Scurich Insurance Services would like to remind you to remember to always wear your seat belt while driving or riding in a car. Contact any of our agents with questions on your California Auto Insurance policy today. All of us at Scurich Insurance would like to invite you to follow us on Twitter.
Content was first stated by: http://www.santacruzlive.com/blogs/streetsmarts/2012/09/06/teen-seat-belt-use-at-all-time-high/
Scurich Insurance Services did not originally write this content.
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Every state battles fraud and abuse of its Workers Compensation system. Even though you use Worker Comp to protect your employees and keep your premises safe, you might well end up paying higher premiums because other firms, employees, and medical providers have no compunction about cheating the system through fraud and abuse.
Workers Comp fraud involves such criminal acts as workers falsifying claims, employers misclassifying high-risk workers with less dangerous jobs to lower their premiums, and physicians exaggerating injuries and their treatment and overbilling insurance companies for expensive services never rendered. Fraud has led a number of states to pass legislation simplifying the prosecution of offenders. On the judicial front, some states provide insurance companies with immunity from lawsuits if they report Workers Comp violators. On the downside, insurers need to tread cautiously because a firm wrongfully accused of fraud has legal recourse after a false report or misleading statement.
Unlike fraud, Workers Comp abuse isn’t a felony, although it also increases premiums for everybody. Usually, this misuse of benefits involves a worker who uses unnecessary medical services, remains away from work after their injury has healed, or reports an off-hours injury as happening on the job.
According to a recent Insurance Research Council survey, more than one in four workers (28%) believe that padding Comp claims is justified to recover the policy premium, which they aren’t even responsible for paying! Insurance companies have trouble detecting this common abuse, especially when they’re up against a stress or soft-tissue injury, because there are few if any physical symptoms. This attitude among workers might be an extension of the belief that claims-padding on policyholders’ Personal insurance coverages (Auto or Homeowners) is simply a way of getting their money’s worth from their premium.
As a business owner or manager, you can help curb Workers Comp fraud and abuse and keep your premiums under control by:
- Screening out potential abuses when you recruit employees and assign jobs.
- Developing close, mutually respectful relationships with your workers to minimize any grudges against management that might encourage abuse.
- Keeping close tabs on potential abuses of the system.
We’d be happy to work with you in reaching these goals. Contact any of our helpful and friendly agents at Scurich Insurance Services with your questions regarding Worker’s Compensation. Connect with us on Facebook to learn more about us and stay informed regarding all insurance related topics.
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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.
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It is important that you are aware of all the potential pitfalls that can occur on the job, and how the right insurance can protect you from any unforeseen complications down the line. Our specialists at Contractors insurance are ready to help you navigate the complex world of insurance and advise you on the plans and providers most suited for you.
Contractor’s Insurance coverage is designed to pay for bodily injury or property damage to a third party who is caused by the contractor’s operations. Contractors Insurance usually comes with several packaged options that can include; Damage to rented premises, medical payments, hired and Non-Owned auto, Personal and advertised injury as well as the liability coverage for their operations. Understanding all the different types of policies can be difficult task; Scurich Insurance provides you right knowledge and background. We offer you right and affordable contractors insurance.
Please contact us to know more about Contractor’s Insurance.
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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