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Insurance News / 17.07.2013

[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 issue of college debt is beginning to hit the press on a regular basis. Why? Congress is discussing doubling interest rates on federal loans. College tuition costs are twice the rate of inflation. Prospects for well compensated employment remain dim for recent grads. According to a Federal Reserve Bank study and the Project on Student Debt*: 43% of all Americans under the age of 25 had student debt in 2012 (25% in 2003) The average debt for those...

Insurance News / 09.07.2013

[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 man walks into his doctor’s office and complains that when he raises his arms, his shoulders hurt. He asks, “What can I do to stop the pain, doc?” The doctor replies, “Stop raising your arms!” An old joke but a good lesson. A pain being experienced by all Americans is the high cost of health insurance. If everyone is going to be required to buy health insurance under the Affordable Care Act, shouldn’t we have some say in...

Insurance News / 01.07.2013

[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]Fireworks are a ball and most people using common sense are unharmed by firecrackers and other consumer fireworks. It’s when people are careless that things go sideways. Consumer fireworks now are legal in many Maine communities. Legal or illegal use of these explosives and incendiary devices need to have extra attention particularly when kids are around. Why? Sparklers burn at temperatures of about 2,000 degrees and things with a fuse are explosives. According to the U.S. Consumer Product Safety Commission,...

Insurance News / 25.06.2013

[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 need to pay attention. You know those notices you receive periodically with densely worded legalese from health care providers about protecting your personal health information? You can now expect to see new rounds of notices with additional language but also alerts from entities in possession of your data should a breach of security occur involving your data. What does this mean to employers? Cyber insurance coverage. If an employer offers an insured or self-insured health plan to their...

Insurance News / 18.06.2013

[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]Beautiful weather has boating enthusiasts turning out in droves which also creates the potential for havoc when alcohol is part of the mix. It is not illegal to drink and operate a boat but anyone caught with a blood alcohol level of .08 or higher is subject to arrest. Often overlooked are the impact of sun and heat. Time in the outdoors can quickly dehydrate boaters. However, fluid replacement using alcohol is not the answer for anyone driving a...

Insurance News / 04.06.2013

[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]Rolling some of your 401K to an Annuity may be your best hedge for retirement income. Sheryl Moore of Annuity News writes, “Since the United States stock market collapse of 2008, millions of Americans have seen their retirement savings dwindle. Many of these savers had their nest eggs exposed to the equities markets, and have subsequently suffered two periods of extreme losses in one decade. As a result, ‘safe money places’ are getting a lot of attention.” Also according to...

Insurance News / 14.05.2013

[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]There’s an old saying, “I wouldn’t be paranoid if they weren’t out to get me.” For business owners, partners and investors, the threat of employee theft requires vigilance and prudence. No matter how trusting you may be, there are people in the world who are out to steal from their employers or clients. It may be the theft of inventory, intellectual property or someone dipping into the till. No matter what goes missing, it harms your business and...

Insurance News / 30.04.2013

[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]Recovery from the Boston Marathon bombings continues as people, families and businesses try to return to some degree of normal life – or the new normal, as some have said. Medical bills, funeral expenses, long-term rehabilitation, property damage and business interruption are just some of the ways in which the bombers caused loss and untold grief for so many. From a financial recovery perspective, it has not yet been determined if and how insurance will come into play. Why?...

Insurance News / 22.04.2013

[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 is no secret that clients file the vast majority of claims against environmental consultants. And inevitably, each one of these claims involves unmet client expectations. In some cases, the client has every right to be upset. When an environmental firm’s negligent errors or omissions result in long project delays, extensive added costs or serious project flaws the client is justified in filing a claim against the firm to try to recoup its losses. In other cases, however, clients simply...

Insurance News / 09.04.2013

[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 aspire to make a living. Aspire to make a difference.” – Denzel Washington With that sense of purpose, all of us at Clark Insurance are pleased to offer the following annual report for 2012. The business of insurance is the work of identifying risk and determining if a customer wishes to live with the consequences of that risk or to transfer the risk to a willing third party for a reasonable price. As an employee-owned independent insurance agency, we are...

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