Our Blog

You are in hospitality and you know that guests appreciate, and sometimes demand, alcohol service as part of their dining experience. Of course, viewing alcohol solely as a relaxing social lubricant is not the entire story – anyone in the industry can tell you that serving alcohol is a unique privilege that comes with a great deal of responsibility. Tim McCarty and Joan Hopkins explain how to reduce your risks by implementing an effective TIPS training program for your employees. ...

Winter is fast approaching! Let’s take a moment to run through the following information as part of our Winter Car Survival kit, compiled by Clark’s own Safety & Risk Consulting Team....

If you’re a business that wants to be more safety conscious – you need to be addressing slips, trips, and falls in your safety plan. Slips, trips, and falls are the number three cause of accidental death in this country, most of them occurring on the same level (i.e. not on stairs or platforms)....

Did you know that icemaker leaks are one of the leading causes of water damage in the home? Unfortunately, most people don’t realize there is a leak until it is bad enough to cause a puddle – long after it has damaged the drywall behind the fridge and the flooring beneath it. So how do you prevent this?...

There is a limit for jewelry on a homeowner’s policy, ranging from $1,000 - $2,000. This limit is often not enough to cover the full value of the ring. So, in order to increase that limit, you can “schedule” the item. Scheduled property is an additional policy which extends the coverage beyond the standard protection provided by a homeowners’ policy....

Article by Kerry Peabody, CSA, CLTC Senior Account Executive As an LTC insurance professional, you spend a lot of time trying to explain to prospects why they need to plan for long term care. I gave up on the numbers and stats a long time ago, so I don’t bother regurgitating a bunch of statistics about how many people will need long term care services, how much nursing homes cost, blah, blah, blah. No. You already know this is real; you’ve seen it – perhaps in...

Maine employers turned out in droves for our most recent Breakfast Briefing to learn about managing expectations and behaviors with legalized marijuana. Clark Insurance and KMA HR Consulting recruited a talented and knowledgeable panel that included: Patricia Rosi, CEO of Wellness Connection of Maine, a large and growing medical marijuana dispensary Julie Rabinowitz, Director of Operations and Communications at the Maine Department of Labor Matt LaMourie, an attorney at Preti Flaherty who practices in their Employment Law, Litigation and Immigration Groups Here’s what our audience heard for...

Article by Kerry Peabody, CSA, CLTC Senior Account Executive I stopped in to visit a new memory care community in my area yesterday. As an agent who specializes in long term care insurance, it’s important that I know what resources are out there for my clients, so I do this often. The marketing director was happy to take a few minutes to show me around. She explained that, although they just opened earlier this month, they’re already more than half full, and reservations for the remaining...

You Catch More Flies With Honey Than You Do With Vinegar: Creating a Front-Line Defense for Managing Workers’ Compensation Claims by Gary Lavoie There is a significant driver of rising workers’ compensation costs in New Hampshire that has nothing to do with experience mod split-point changes or medical cost inflation. It falls into a category that I like to refer to as benefit preservation, which has a very specific cause, a simple remedy and almost every employer that we speak to has experienced. They key to managing benefit preservation,...