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Article by Kerry Peabody, CSA, CLTC Senior Account ExecutiveAs 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 GroupsHere’s what our audience heard for...

Article by Kerry Peabody, CSA, CLTC Senior Account ExecutiveI 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 Claimsby Gary LavoieThere 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,...

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...

In our annual report for Clark Insurance, we illustrate a year of leadership transition, another record-setting mark for growth and profitability thanks to our customers who reward us with their business and their referrals for which we are truly grateful.2015 Clark Insurance Annual Report pdfWe hope you will enjoy this review of 2015 and get an even better understanding of our services, products and our role in supporting the Maine, New Hampshire and Massachusetts communities in which we live and work....

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 we’re not insured only after a flood occurs. So what is flood insurance all about?Flood insurance is NOT part of a standard homeowners insurance policy. You have to buy flood insurance separately and there’s a 30-day waiting period for protection once the...

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 promise of savings.I remember seeing an advertisement that declared “We can save you thousands of dollars on your Yellow Page advertising!” When I looked into how they could manage this extraordinary feat, it was quite easy – they reduced the size of...

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 long and painful, you have the comfort of knowing that the driver’s insurance will pay for your hospital and medical expenses. Well, surprise, a high percentage of drivers in Maine, New Hampshire and Massachusetts are under-insured. What do you do now?In Maine,...