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Insurance News / 11.08.2014

[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 I was 14, I’d come home from my morning paper route with the family still in bed, quietly take my mom’s car keys out of her purse and proceed to drive our VW bug in first gear around our yard in Portland; very daring and my parents never found out. Forty years later, it took an equal amount of daring to try to get my mother’s keys, but this time, to keep her from getting behind the...

Insurance News / 04.08.2014

[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] While you may have procedures for protecting your computers, actual practices may not be the same. You can trust people all you want but, when it involves critical data, you should verify with a penetration test that policies are being followed. Why all the fuss? Here’s an example. Imagine that someone in your business or at home inadvertently enables a virus from an email link that locks up all your files until you pay a ransom. Think about losing...

Insurance News / 25.07.2014

[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] A new law in Maine, LD 1729, brings into focus the lifetime consequences of operating a motor vehicle under the influence (OUI) – particularly for habitual offenders. The new law now looks at a driver’s ten-year record when considering punishment for felony OUI convictions. But there are even more long-term consequences for any OUI conviction. Here’s how it impacts insurance, foreign travel and family disruption. Maine’s newly revised OUI law increases license suspensions for people with previous convictions. The...

Insurance News / 18.07.2014

[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] Skin cancer has been called a lifestyle disease attributable to excessive exposure to ultra violet (UV) rays (e.g. sun burns, deep tans, tanning beds, etc.). Think about that, then consider that Maine and New Hampshire have among the highest rates of skin cancer in the United States. So, what should you know about detection, treatment and prevention of skin cancers? Also, while you’re thinking, consider that your medical history can impact the cost or availability of life and disability...

Insurance News / 14.07.2014

[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] “Hey, Bob, so sorry to hear about the fire.” Bob replies, “Thanks, but it’s not until tomorrow.” If only perpetrators of insurance fraud spent their time being honest, consumers in the United States could save an FBI-estimated $40 billion a year on the cost of insurance fraud. According to insure.com, fraud costs add between $400 and $700 in annual premiums for property/casualty insurance coverage. So what is the insurance industry doing to fight back? The National Insurance Crime Bureau (NICB),...

Insurance News / 07.07.2014

[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] How often have you rented a vehicle and decided not to purchase the Collision or Loss Damage Waiver? For years, it has been suggested that buying insurance at the rental agency is a waste of our money because we’re covered by our personal auto policy. However, the Independent Insurance Agents & Brokers of America (IIABA) recommends getting the coverage, at least for short-term rentals. Here’s why. There are lots of provisions in that car rental contract that can get...

Insurance News / 27.06.2014

[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] As we age, the wheels on the bus can begin to wobble. If you’re a driver for your business, what happens if one of those wheels falls off, not due to death but because of a disability? The passengers on your bus depend on you for their livelihood. Property and liability insurance is a must for any business yet many owners haven’t yet made the investment in business disability insurance. Yes, there are such products. Hopefully, you have personal...

Insurance News / 26.06.2014

[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] In the course of a year, we engage in an array of business, civic and charitable activities in ways that give back to our communities and improve our ability to serve our customers. Please enjoy our 2013 Annual Report as it captures who we are and what we value.[/vc_column_text][/vc_column][/vc_row]...

Insurance News / 23.06.2014

[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] “Forty-seven states, the District of Columbia, Guam, Puerto Rico and the Virgin Islands have enacted legislation requiring private or government entities to notify individuals of security breaches of information involving personally identifiable information,” according to the National Conference of State Legislatures. Those states include Maine and New Hampshire. ka-CHING! What is your company obligated to do in the event of an actual or suspected breach? What is your company’s liability for an unauthorized release of information? Does insurance cover...

Insurance News / 17.06.2014

[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, residents of the Northeast are learning what those in warmer states have learned over time – air conditioning makes life more comfortable but also adds an element of risk from mold. For that small percentage of people who are hyper-sensitive to mold spores, prevention can mean fewer doctor bills and greater comfort. With warm weather upon us, it makes sense to look carefully at your air conditioners to be sure they are clean and running...

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