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Insurance News / 24.07.2017

Clark Insurance is seeking a Claims Representative for our Portland Maine Office. This is an excellent opportunity for an experienced insurance professional. Our claim representatives provide professional claims service to Clark Insurance customers. They work independently in their overall management of the claims process and act with discretion with customer, claimant, insurance carriers and vendors on effective claim resolution. Professionals with the following competencies are encouraged to apply: exceptional communication and negotiation skills; strong working knowledge of all lines of property & casualty insurance coverages; organization and time management skills; extremely detail oriented; strong technical capacity with knowledge of Microsoft Office software product as well as the ability to learn and navigate a variety of online websites; able to work in a team environment; and handles stressful situations and deadline pressures well. We prefer 3 – 5 years of insurance service and/or claims experience; an undergraduate degree or combination of industry education and experience; and a claims adjuster license Clark Insurance offers competitive compensation, benefits, fitness reimbursement, and education reimbursement. We encourage and support professional development through our performance management programs. Clark Insurance provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, disability, genetics, and any other protected class. In addition to federal law requirements, Clark Insurance complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. Please send all inquiries to Diana W. Miville, Director of Human Resources & Training, Clark Insurance, by emailing dmiville@clarkinsurance.com or calling (207) 523-2271....
Insurance News / 06.09.2016

To our customers, friends and prospective customers: We know more so you can worry less. That’s our motto and it’s why people turn to Clark Insurance for solutions. Insurance is complex. We believe that our job is to understand what you value and then provide insurance solutions that protect you, your family and your organization. Car insurance, home insurance and business insurance in Massachusetts and in 36 other states in which we are licensed will give you the security you desire. We also believe that giving back to our community is good for everyone. In fact, we support more than 160 charitable, civic and industry organizations. That’s why we focus on food, clothing, shelter, wellness and higher educations – the basics that allow people to move forward and become secure. In the Merrimack Valley we support such groups as the Merrimack Valley Food Bank, YMCA, Salvation Army and the Jimmy Fund. Call us anytime! (Tel: 978-459-0505 or toll free at 800-783-0505) Here are other things you’ll find on this web site : More “A” rated insurance companies to ensure you have the right coverage at a competitive price Risk control services for businesses Lots more communication to help you understand your insurance coverage A larger team with decades of insurance experience to help with coverage and claim settlement If you need to report a claim, please click here and find the name and telephone number of the insurance company that appears on your policy. In the months and years ahead, we will keep building on a fine tradition of service and knowledge and will do all we can to protect you, your family, your business and employees. employees. Call anytime and thank you, again, for being a loyal customer or friend. ...
Insurance News / 01.06.2015

Insurance is a very complex business governed by years of market demands, legal cases, public policy and special circumstances. In addition, many insurance policies have different terms of coverage including the amount they are required to pay when an accident or incident occurs. As you’ll see below, that means you need have an agent who really knows the business. So here are answers to the coverage questions from a seasoned claim manager: The fallen tree (1): The responsibility of the tree cleanup falls upon the owner of the property where it fell. There are some endorsements that will provide limited coverage ($250 or so ) for debris cleanup caused by wind even when there is no damage to covered property. If the tree simply was rotted, there is no peril that caused the loss such as wind or lightening. However this coverage is still subject to the policy deductible. For example, a $500 debris bill with a $1,000 deductible may have limited coverage but it is under the deductible and therefore, there is no claim. If there is no endorsement on the policy, then there is no coverage. The auto fatality (3): The insurance company will definitely pay for the defense cost of a suit. However, the insurance company needs to determine the value of the deceased’s life (e.g. earning power, number of dependents, etc.) in order to determine if the $50,000 Bodily Injury policy limit will resolve the claim. If not, then the insurance company will pay the first $50,000 and the family would owe any judgment balance. The insurance company might also offer their medical payment limit, as well, as a goodwill gesture. The flooded finished basement (2): Provided the water comes into the basement from a drain or sump hole there is limited coverage but only IF the insured has the proper policy endorsement, usually around $5,000. Some companies will deny this coverage if water enters in any other manner. Water that enters through the foundation is excluded by all companies. If you have coverage under the National Flood Insurance Program, they require that adjacent properties also sustain damage and the program only covers getting the property habitable. The Business Interruption (1): More maybes here. Business Interruption Coverage often has a first party 72 hour time frame before a business income loss can be honored. How power was lost also can be an issue. Sometimes power is excluded if overhead power lines are the reason for the outage. If you’re looking for coverage from the driver, the insurance company for the driver might not be responsible if the driver incurred a medical emergency. The Health Savings Account (3): The money belongs to the employee as long as it is used for allowable medical expenses. The beauty of having a health savings account is that the money goes into the account pre-tax, earns interest without tax liability, and comes out without a tax consequence when used to pay for allowable expenses – including payment of Medicare supplemental insurance premiums. The Non-profit law suit (3): The liability adjuster would have to review the exact wording of the Summons and Complaint as well as the insured’s Business Owners Policy in order to make a coverage determination that would protect the board of directors and whether or not defense costs would be considered. The Rotted Deck (3): The insured’s homeowner’s policy would at first pay the policy limit for Medical payments which usually is around $5,000. Any liability payment will be determined by the investigation of the adjuster who will ask if the insured is actually legally liable? For example, did the injured claimant contribute to his own injury? As for the repair of the deck, property insurance does not generally cover damage due to rot or wear and tear. If you were able to answer 6-7 questions correctly, consider yourself a very astute insurance consumer; 4-5 correct answers means you are far more knowledgeable than most; knowing three or fewer puts you in the category of being like most people – you rely on your agent to really know your needs and provide the right insurance coverage. That is why we take a lot of time to help educate our customers about insurance and help them make informed choices. We’d love to do it for you if you are not already a customer....
Insurance News / 17.04.2015

With more than 80 years serving business and personal insurance customers, our team has successfully been growing our business in New Hampshire. The reason is simple – we know more so you can worry less. That knowledge about insurance coverage is backed 100% by outstanding service. We return phone calls and answer questions in a timely fashion. We get to know you, your business and your aspirations. We design a coverage program before we look for competitive prices. Our on-staff claim and loss control team work to reduce your risks and get you back to normal quickly when a claim is made. We also are active in the communities in which we live and work. As volunteers, leaders and contributors, we try to do our part to make New Hampshire a wonderful and prosperous place to call home. Give us a call and let us get to work for you. 603-622-2855. ...
Uncategorized / 13.04.2015

Clark Insurance has been named one of the Best Places to Work in Maine for 2014 according to the Maine State Council of the Society for Human Resource Management (SHRM). According to the organization’s news release, employers attaining the recognition “have established and consistently fostered outstanding workplace environments.” Ken Ross, president of Clark Insurance said, “We are so pleased to see that our employee-owned company has been judged so positively. Though we are among the largest independent insurance agencies in Northern New England, we strive to know and support one another and foster a team approach to problem solving.” Ross noted that the agency’s Guiding Principles highlight individual qualities such as ethical behavior, professionalism, respect and caring attitudes. “It’s important that we treat one another as we would wish to be treated. It creates a culture that is highly customer focused. We also believe in creating opportunities for personal and professional growth, financial security and fun,” said Ross. “And, believe me, we do have fun .” Examples of employee activities include chili & chowder, Halloween costume and Christmas cubicle decorating contests, monthly lunch & learn sessions and an annual company outing for employees. The agency also supports numerous non-profit agencies with volunteer hours and fundraising through jeans-days and silent auctions. The outside review of employer practices included a lengthy questionnaire regarding employee education, recognition, compensation, career development and engagement. In addition, employees were asked to anonymously evaluate their employer’s practices to ensure consistency with the working environment as well as stated policies and procedures. Clark Insurance will join 69 other Maine employers at a recognition event later this year. Clark Insurance offers all lines of business, personal and employee benefits insurance from offices in Portland, Saco, Windham and Gorham, Maine as well as Manchester, New Hampshire and Lowell, Massachusetts. Connect with us on Facebook and LinkedIn, and check out the Best Places to Work in Maine list....
Insurance News / 19.11.2014

We are proud to sponsor the Main Entrance of the newly refurbished civic center for Cumberland County. This is a major attraction for the region and, with substantial improvements, all the more enjoyable for world-class entertainment. Our sponsorship is part of our larger commitment to support the communities in which we live and work. Clark Insurance supports more than 100 civic and charitable organizations annually with a particular focus on food, clothing, shelter and education. In addition, we contribute hundreds of hours as volunteers and in leadership positions to help those organizations improve the quality of life in southern Maine and New Hampshire. As you think about choosing an agent for your insurance needs, please give us a call or drop us a line. We will support you with the same degree of care and attention we contribute to our communities. Contact us at (207) 774-6257 or info@clarkinsurance.com....




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