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15 years ago · by · 0 comments

Are you covered?

A business that has to close down completely while the premises are being repaired may lose out to competitors. A quick resumption of business after a disaster is essential. Having the right Business Insurance is what you need to think about!

  1. Business interruption insurance compensates you for lost income if your company has to vacate the premises due to disaster-related damage that is covered under your property insurance policy, such as a fire. Business interruption insurance covers the profits you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
  2. Make sure the policy limits are sufficient to cover your company for more than a few days. After a major disaster, it can take more time than many people anticipate to get the business back on track. There is generally a 48-hour waiting period before business interruption coverage kicks in.
  3. The price of the policy is related to the risk of a fire or other disaster damaging your premises. All other things being equal, the price would probably be higher for a restaurant than a real estate agency, for example, because of the greater risk of fire. Also, a real estate agency can more easily operate out of another location.

For more information on how to protect your Business with the right Business Insurance, visit our website today!

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15 years ago · by · 0 comments

Strange Tales of Celebrity Body Part Insurance!!!

Mariah Carey takes out 1,000,000,000 Insurance policy on legs………….

That’s not a typo, folks. Mariah Carey recently took out a Personal Insurance policy for her Legs for one-billion dollars. The policy was taken out after Mariah was awarded Gillette’s “Legs of a Goddess” award and, according to a spokesperson, “the sum reflects her popularity.” To further reflect her legs’ popularity, Gillette had an extremely bizarre statue of her legs made to commemorate what must be the biggest award ever in the career of one of the best-selling female musicians of all time.

Was It Worth It?
Well, they are definitely nice legs, but just like Mary Hart, it’s not like Mariah Carey couldn’t do her job without them.

What’s important to you?

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15 years ago · by · 0 comments

How are you going to protect yourself from Identity Theft?

Risk

Never leave critical document such as passport, driving license where they could be taken or copied.

Think carefully about what information I provide, especially on sites that are public  or that I don’t know exactly who they are.

Use adequately strong passwords, and don’t write these down and leave next to the computer!

Use an alias if need to provide information to gain access on a site about which I am unsure. That is Risk Management! 

Keep a regular watch on bank accounts etc to spot early signs of any problem. Keep resources spread across several accounts to reduce risk that all are compromised at once!

Risk Management is a crucial part of any business. Please visit our website for more information about risk!

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15 years ago · by · 0 comments

Does it pay to buy whole Life Insurance when you are in your late 20s?

Think about it!

Right now you probably do not have a lot of financial obligations and probably do not need much in Life Insurancecoverage, but you will. Right now you like most 20 year olds are probably burning through enough money in a month in waste spending that you could in fact buy a very attractive WL policy so that when you do need it, you will have it! You will have already accrued much cash value, locked in on a younger age premium and more.

Some more points to consider WL premiums can be structured to go down over time. Term is guaranteed to go up! (For the “buy term invest the difference” crowd) WL has guaranteed cash values the market has NO guarantees! WL has a waiver of premium that says even if you buy insurance today and get perm disabled tomorrow, you will never have to pay your premiums again and the policy will stay in force and the cash value will still grow.

Visit our website today to find out how Scurich Insurance Service can help you with your Life Insurance needs!

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16 years ago · by · 0 comments

Can you get Life Insurance for a terminally ill parent?

 

Tired and Sick Senior Man Lying in Hospital Bed

  • Many cancer patients can, indeed, find affordable life insurance coverage. How? The key is finding a knowledgeable broker with experience in placing tough cases.
  • Yes, you can get a “graded life” policy for up to $50,000. You maybe able to get more than one such policy. This means that the company only returns premium if the insured dies before 2 years, but if they live beyond that, the full insurance benefit is paid. It does not have to be an accidental death.
Traditional life insurance is not available to people with a terminal illness. You may be able to obtain a Graded Death Benefit life insurance policy. With a Graded death benefit policy, if you die within the first few years, the life insurance company will only refund your premiums paid plus interest. With some policies, a specified percentage of the death benefit becomes available each year.
For more information visit our website today!

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16 years ago · by · 0 comments

Vainest Celebrities and The “Assets” They Insure

 

           Celebrities are a narcissistic breed who tend to value themselves above most. Obsessed with their bodies and worldly assets and terrified that they one day will loose them, many take out quite interesting insurance policies

Jennifer Lopez’s rear – $27,000,000

jenniferlopez
          Perhaps one of the most famous celebrity insurance cases is Jennifer Lopez’s behind. A staggering $27 million: That’s how much Mrs. Lopez’s butt cost to insure. For you math geeks that’s $100,000 per square inch.

          Some people insure everything! What’s the funniest thing you ever seen insured?

          Scurich Insurance can help insure the assets that are important to you, like life. Life Insurance is by far the most important Insurance to have. Although if your a driver Auto Insurance is very important, Life Insurance is a vital part of your family’s future if something were to happen to y0u.

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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

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