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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Your credit scores help determine what you’ll pay for an auto loan – and Auto insurance.
Studies by state regulators, universities, and independent auditors show that such credit information as how often you’ve paid a bill more than 60 days late can predict your probability of making an Auto claim and its cost. Insurance companies use this data to help set premiums.
However, one study found that 96% of Americans don’t review their credit report once a year, even when they can do so for free. According to the Federal Trade Commission, one in four consumers had errors on their reports that could affect credit scores – and 5% of these mistakes could mean that they’re paying more than they should for Auto insurance and financing.
To make sure that your credit report is accurate, improve your score, and keep your Auto premiums down, experts recommend these guidelines:
- Order free reports from the three credit reporting agencies (Experian, TransUnion and Equifax) throughAnnualCreditReport.com , one every four months. Correct any errors immediately.
- Pay your bills on time. Payment history counts for 35% of your score.
- Keep your credit card balances below 20% of available credit.
- Monitor your credit history. Because credit bureaus look at how long you’ve had an open and active line of credit, the worst thing you can do for your credit score is to close credit card accounts. Not only do you lose your credit history for that card, but your overall utilization ratio goes up.
- Don’t open new accounts in quick succession. This represents a greater risk, especially for people who don’t have a long credit history.
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Scurich Insurance Services was established in 1924 and has been serving the Monterey Bay Area. Our ability to meet your business needs – and go above and beyond – is what has made Scurich Insurance Services the nation’s leading Insurance Agency.
Taking care of business means taking care of you. That’s why we work hard to assist you in selecting the appropriate coverage’s whether it is business or commercial insurance.
Contact us for more details or 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]
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If you rent all or part of your property to others, it makes sense to buy this special type of Homeowners insurance. A Landlord policy will cover damage to the building and your belongings, and protect you against potentially catastrophic legal and medical cost suits from lawsuits by people injured on your property.
If the property is mortgaged, the lender will usually require that you buy enough coverage to pay off the outstanding loan balance.
Above this level, you can tailor your Landlord coverage to your needs and budget in a number of ways:
Changing the deductible (which usually ranges from $100 to 5% of the building coverage).
Selecting the type of losses covered, by buying either “comprehensive” coverage – which pays for losses from all causes, unless specifically excluded – or on a “named perils” basis, which covers only losses from a listed number of causes.
Choosing the type of reimbursement – either “actual cash value” (the value of your property, less depreciation) or the more expensive “replacement value.”
Adding coverage to provide reimbursement for loss of rental income during a period when the property is uninhabitable.
Covering increased liability risks from dealing with tenants, such as legal fees, libel, slander, and discrimination claims.
In making your decision, assess the benefits of potential premium savings against the risk of paying for hefty classes.
Our Homeowners’ Insurance specialists will be happy to evaluate your situation and recommend a comprehensive, cost effective solution. Just get in touch with us at any time.
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Umbrella Insurance is a supplement to your existing policies that offers up to $1 million or more in additional coverage beyond what is available from your auto, homeowner’s, and other property or vehicle policies.
So why should you make it a part of your insurance portfolio? Here are three situations where umbrella insurance can help.
Do you have a rental property or rent out your home?
Umbrella insurance covers liability on rental units. If you own a rental property or vacation rental, umbrella coverage can be invaluable for you as a property owner. Many things can a do go wrong when you rent out your property. Be sure you are protected with an umbrella policy.
If you are responsible for a serious accident.
Auto insurance is designed to protect you in case of an accident for which you are held responsible, but this does not mean that the amount of insurance coverage you currently have will be enough to cover all damage caused in some situations. If you cause an accident with a high-value vehicle or there are serious personal injuries that need to be paid for, you may quickly exhaust your automobile insurance coverage. With umbrella coverage, you’ll have an extra policy so you do not end up paying for these expenses out of pocket.
What about other vehicles?
Boats, motorcycles, and other personal pleasure vehicles can present you with unexpected liability issues for which your existing insurance policies may not cover. Asking your insurance agent about umbrella insurance and if it may help supplement your current coverage could prevent financial disaster.
Scurich Insurance Servicescan help you see how umbrella coverage could benefit you. Call them today! 800-320-3666
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