February 2016

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] The most famous flood of all time prompted the Head of Risk Control to forewarn at least one resident to be prepared. You might say that Noah’s “insurance” came two-by-two to ensure recovery from the devastation. Unfortunately, today, too many of us discover...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] You hear about low-cost-insurance from advertisements all the time “In just minutes we can give you a lower price for your insurance coverage!” You need to take a long hard look at what you are buying for low-cost-insurance and understand what drives the...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] It’s a beautiful weekend and you decide to go shopping in Kittery. You’re not thinking about being under-insured while crossing Route One in a crosswalk to get – THWACK! ZOWIE! KABOOM! A distracted driver hits you. Though your journey to recovery could be...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] My doc told me I had slightly elevated cholesterol. He didn’t bother lecturing me. Instead, he told me to read a book: The China Study, a highly detailed and convincing explanation of the relationship between food and health (there’s a movie version called...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] If you’re renting an apartment and the guy upstairs lets the bathtub overflow – for a couple of hours while you’re at work – who’s going to pay for the damage to the “stuff” in your apartment? Not necessarily your landlord. In fact,...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] At one of the Clark Insurance Breakfast Briefings in 2013, we invited a noted Maine physician to offer his analysis of the stubborn facts of U.S.health care system. While shocking, the facts suggest immense opportunity to take control of our health and the...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] Which of these statements is true? A. Politicians are all thieves. B. Insurance companies don’t pay claims. C. Lawyers are ambulance chasers. D. Chuck Norris made a mistake once but it corrected itself. Obviously, the answer is “D”. Too often, though, we accept something to be true and...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] The doctor says your high blood pressure and cholesterol are likely to result in heart disease, diabetes or cancer and you could die sooner than later unless you adopt a healthy diet. Who’s going to care if you die? More people than you might...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] Such are the protests of some people who don’t recognize that their behavior or actions may be considered harassment for which you or they may be held liable – sexual innuendo, gay-bashing, comments about someone’s age, weight or ethnicity. It takes a vigilant...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] When it comes to driving convictions in Maine, the data underscores why the insurance industry charges men more for auto coverage than it does for women. Looking at the most recently available statistics in Maine (2011) on the Bureau of Motor Vehicles web...