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[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]Small employers in Maine have been receiving mixed messages in the media about the changing cost of group health insurance. Based on recent news reports, there are many different interpretations of the same data. What is clear from the data on the Bureau of...

[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]This message is intended for students and adults alike. Please pass it along to your employees and their families. Twenty two percent of adults responding to a Harris Interactive poll said they admit they have sent and read text messages while driving. Forty nine...

[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]Maine’s economy is in for a long, long, slow recovery according to Charlie Colgan’s annual forecast. Professor Colgan, of the Muskie School of Public Service, began his annual road show with presentations in Portland and Lewiston this week. The opening slide of his...

[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]For households with current or aspiring teen aged drivers, there is sobering news from the Centers for Disease Control and Prevention (CDC).According to the federal agency, “In 2010, about 2,700 teens in the United States aged 16–19 were killed and almost 282,000 were...

[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 Clark Insurance Agency, we want to wish you and yours a happy, healthy, and safe holiday! During this season, you hope to create cherished memories with your loved ones. One way to do so is maintain a warm home. However, learning to do...

[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]Have a lot of your employees been out sick recently? This could cause the productivity of your office to fall behind since key persons are not able to complete their tasks. How can you manage attendance during cold and flu season fairly? It...

[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]Don’t let the frost, snow, and ice destroy your marine business! The east coast is growing colder and colder each day, which is why you shouldn’t waste another minute leaving your boats, equipment, and employees exposed to potential risks brought on by 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]The following material is provided for informational purposes only. Before taking any action that could have legal or other important consequences, speak with a qualified professional who can provide guidance that considers your own unique circumstances. Drafting a clear and comprehensive scope of services...

[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] Are you concerned about your driving record? If you have had your fair share of traffic violations, it is important that you learn to steer away from your bad driving habits. Becoming a more defensive driver can help you repair your driving record,...

[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]Employers with a flexible spending account (FSA) benefit may want to remind participants that they must “use it or lose it” before the end of the plan year. Also, they should know that under the Affordable Care Act, the amount allowed for this...

[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] Has your family become devoted to going green? This is a great way to save money on your bills while also helping the environment in the process. If you are interested in taking this movement a step further, you could start a compost...

[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] Are you worried about putting on the pounds this Thanksgiving? Although you may feel like you have no time to think about what you eat when you have so much to do at work, it is important to pay attention to your health....

[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] Hurricane Sandy not only damaged businesses and homes on the main land, but also industries working along the shoreline. Although you should expect unpredictable weather as a marine business owner, it is also important to prepare for the worst. By securing your cargo,...

[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]Here’s a different way to think about insurance. When you buy an insurance policy, you are paying a company to take your risk. Think about auto insurance in Maine and New Hampshire. A little fender-bender seems to cost a minimum of $1,000. A serious...

[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]More and more of us are using our smart phones to take care of business. Now you can bookmark the Clark Insurance mobile web site. Users can report a claim, get a quote or contact us. If you are a customer and need...

[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 may watch action movies with extreme car accidents and think, “That will never happen to me”. But you never know what the road has in store. Rather than putting your vehicle and family at risk, you should understand what steps to take...

[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] Are you excited for Halloween? If you are making last minute preparations for the big night, you may also be thinking about what lights to use for the outside. It is important to keep in mind that lots of kids will be venturing...

[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]Hurricane Sandy is moving North. Predictions continue to change as to where it will come ashore. Currently the brunt of the storm will strike the mid-Atlantic states. Nevertheless, we suggest you take precautions this weekend as this could be a humdinger if it...

[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]Did you feel the earthquake in Maine and New Hampshire last night? More importantly, do you have earth quake coverage? Probably not. Earthquake insurance coverage is not part of the homeowners insurance form. This needs to be added as an endorsement and it...

[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] Being part of the marine business is a never ending learning experience. As you discover the unique risks you face both on land and sea and how you can protect your investment from them, you can also expand your knowledge about the industry...

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