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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There are many types of insurance available. Home owner’s insurance, automobile insurance, life insurance, to name just three, but there are also specialty insurance policies available that some consumers may find very useful. This article will examine some of the more common types of specialty insurance.
In simple terms, specialty insurance is exactly what it sounds like. It is insurance that is purchased for items that are special or unique. It is also used to provide protection for items that might otherwise be protected under another policy but are not protected because of some unusual aspect. Here are some of our specialty coverage’s, please call us for others:
Agriculture Insurance Request
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As most of you know, the Affordable Care Act, or what most of you know it as Obamacare, will take effect in 2014. When this bill takes effect, it will become mandatory that you purchase some sort of health insurance, and if you don’t you will end up finding yourself being penalized by the federal government. But, what are these penalties and how will the effect you.
According to MSN Money, “The actual individual mandate penalties under the Affordable Care Act are perhaps the easiest part of the program to understand:
- In 2014, the annual penalty will be $95 per adult and $47.50 per child, up to a family maximum of $285 or 1% of family income, whichever is greater.
- In 2015, the penalty will be $325 per adult and $162.50 per child, up to a family maximum of $975 or 2% of family income, whichever is greater.
- In 2016, the penalty will be $695 per adult and $347.50 per child, up to a family maximum of $2,085 or 2.5% of family income, whichever is greater.
“Most people think of it as an annual penalty,” notes Larry Levitt, a senior vice president at Kaiser. “But it is in fact a monthly thing, and you would pay a penalty for any month that you are uncovered.” However, a person may be without coverage for up to three months without triggering the penalty.” (1)
So don’t be caught without insurance. Contact Scurich Insurance Services located in Watsonville, California. at 831-722-3541 and let us shop the health insurance market for you so that you can get the best health insurance plan out there.
(1) http://money.msn.com/health-and-life-insurance/how-obamacare-penalty-will-work
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It’s not just diet and exercise—where people live matters to their health.
And in California, Santa Cruz County earns a decent rating for community health, according to the 2013 County Health Rankings released this week.
Santa Cruz comes in No. 13 in the state for health outcomes, measured by mortality and morbidity. The county ranks 10th for health factors, a broad category that includes health behaviors (like smoking), healthcare, the physical environment, and social and economic factors.
“These ratings are a snapshot of the health of the community,” said Dr. Lisa Hernandez, Santa Cruz County Health Officer.
Fifty-seven of California’s 58 counties were ranked. Rural Alpine County was too small to measure in many of the categories, officials said.
Santa Cruz County’s marks puts the county ahead of neighboring Monterey County but lagging behind Santa Clara County.
| County Health Rankings 2013 |
| County |
Health Outcomes |
Health Factors |
| Monterey |
21 |
29 |
| San Benito |
10 |
23 |
| Santa Clara |
3 |
4 |
| Santa Cruz |
13 |
10 |
Santa Cruz has earned better ratings in prior years. Officials attributed the decline in rankings to other counties’ improving health, not worsening conditions in Santa Cruz County.
Some highlights from the report:
- The county saw improvement in the number of adult residents who have graduated from high school, which up to 86 percent at last count. The low in the past four years was 77 percent.
- Santa Cruz County ranked 16th in the state for access to recreational facilities.
- The county’s motor vehicle crash death rate is the 9th lowest in California.
But 19 percent of children in the county live in poverty, and the ratio of physicians to patients climbed, from one doctor per 923 patients in 2012 to one per 1,047 this year.
Check out Santa Cruz County’s rankings in various categories over the past four years below. A lower rating is better.
| Santa Cruz County Health Rankings |
|
2010 |
2011 |
2012 |
2013 |
| Health Outcomes (total) |
8 |
7 |
10 |
13 |
| Morality |
6 |
7 |
10 |
10 |
| Morbidity |
7 |
7 |
13 |
20 |
| Health Factors (total) |
8 |
20 |
10 |
10 |
| Health Behaviors |
2 |
1 |
3 |
4 |
| Clinical Care |
19 |
24 |
13 |
12 |
| Social & Economic Factors |
13 |
17 |
23 |
21 |
| Physical Environment |
37 |
5 |
10 |
9 |
The County Health Rankings & Roadmaps program began in 2010 as a project of the Robert Wood Johnson Foundation and the University of Wisconsin.
To avoid unpleasant surprises, it is important to work with a professional in this area. Additional questions? Ask us, we’re here to help! For additional information about our insurance products, no-cost advice or for your free, no-obligation insurance quote, please contact the professionals at Scurich Insurance Services today at 800-320-3666 and we will be more than happy to assist you.
This story was taken form www.watsonville.patch.com and was written by Jennifer Squires. Scurich Insurance did not create this content–we just wanted to share it with you!
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Engineers, firefighters, lawyers, teachers, and police officers all have one thing in common: they qualify for Auto insurance discounts with some insurers who have found that people in certain fields tend to be less risky drivers than those in other occupations.
A number of insurance companies offer discounts to those in a variety of professions everything from architects, CPAs, and college professors through librarians, military personnel, and pilots, to physicians, registered nurses, and scientists.
Here’s why: although practicing architecture or flying a plane doesn’t necessarily make a driver more responsible, insurance underwriters don’t have to prove cause and effect when setting rates. They need only show a relationship between these rating factors and risk.
A variety of factors can come into play in determining discounts. One Auto insurance company offers up to a 5 % discount to first responders, such as firefighters, police officers, emergency medical technicians and paramedics. Because these people tend to work in the communities where they live, they probably don’t commute long distances. First responders might speed down the road in emergencies, but not in their own vehicles, and they tend not to work from 9 to 5 “which means that they’re at lower risk for accidents.”
Discounts vary by occupation, insurance company, and state. Some companies offer discounts for a long list of occupations and professions, while others provide them to only a few, or none at all. Some jobs receive larger discounts than others.
Rules for discounts also vary by field. To qualify for one company’s discount, health care providers must have a license to practice, as well as a degree. However, policyholders who have earned at least a bachelor in engineering, math, or science qualify for an 18% discount, even if they work in other fields.
Your occupation or profession might well entitle you to a substantial discount on your Auto insurance even if you’re retired.
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If you go to the emergency room at Dominican Hospital, how long will it take before you are evaluated?
The federal government says 10 minutes on average.
That’s better than the wait of 15 minutes at Watsonville Community Hospital, according to a new database causing some hospital officials nationwide to cringe. It takes the ERs of Watsonville Community and Dominican an average of 142 and 153 minutes, respectively, from the time that a patient arrives in the ER to the time they are sent home. In that category, both local hospitals bested the average across California (173 minutes) and across the United States (140 minutes).
Key measures of ER efficiency have been posted from hospitals taking part across the country, according to a report by former San Diego Union-Tribune writer Cheryl Clark, now senior quality editor for HealthLeaders Media.
“With precious little fanfare, Uncle Sam last month rolled out a big, fat database with seven measures comparing a service that many people—healthcare providers and patients alike—consider the most critical any hospital can provide,” Clark wrote last week.
Data collected in 2011 and early 2012 also tracked how long it took for an ER patient to be seen by a healthcare professional and how long the wait was to get a bed if they needed admission. Other data showed how long patients spent in the ER before being sent home and whether they received a brain scan if they might have suffered a stroke.
Clark interviewed Dr. Jesse Pines, an emergency room doctor and researcher who directs the center for healthcare quality at George Washington University.
“The theory is that when hospitals report this information, it makes them focus on it, and improve throughout their [Emergency Department],” Pines was quoted as saying.
“But it’s very hard to do. Certain performance measures are easier to fix—simple process measures like giving patients an aspirin—than improving ED throughput, which involves development of interdisciplinary teams.”
Pines told Clark the public attention pushes hospital administrators to focus on the emergency rooms as well as other metrics.
Read more HERE!
To avoid unpleasant surprises, it is important to work with a professional in this area. Additional questions? Ask us, we’re here to help! For additional information about our insurance products, no-cost advice or for your free, no-obligation insurance quote, please contact the professionals at Scurich Insurance Services today at 800-320-3666 and we will be more than happy to assist you.
This story was taken form www.watsonville.patch.com and was written by Jennifer Squires. Scurich Insurance did not create this content–we just wanted to share it with you!
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