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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...

Insurance News / 09.06.2014

[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 proud bi-peds in a quadra-ped world, our the feet bear the unusual burden of our entire weight yet allow us to walk, hop, skip, jump and run through life. It’s one of the reasons we need to take care of these two complicated appendages and prevent illnesses and injuries that can disable them. So, let’s take a look at foot pain and how to prevent it. We seldom think about our feet except when they are protesting about...

Insurance News / 30.05.2014

[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] “Dopey bit someone?!?” Even though he may usually be gentle, that big, slobbering four-legged goofball of a dog actually might have had a bad day, been provoked or had some other reason to sink his teeth into someone’s hand, arm or leg. More than a third of all homeowner’s liability claims are due to dog bites according to the Insurance Information Institute. About one of every six bites requires medical attention. Though the probability of a bite is...

Insurance News / 19.05.2014

[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] It seems that we’re seeing or experiencing more frequent and severe weather events; and fingers are being pointed toward human activities (anthropogenic warming) as a contributing factor. Because of the human and economic devastation caused by severe weather, it is our nature to want to control these events if humans are considered a cause. From an insurance perspective, we share the same desire whether it is controlling the causes or preventing damage. After all, insurance companies pay the bills...

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