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Insurance News / 26.03.2013

[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 doesn’t matter what kind of business you run, but let’s say your company is a blasting contractor and a blast gets away from you. BOOM! Boulders start flying. Vehicles are damaged. Rocks rain through the windows of adjacent properties. Neighbors are running for cover. The job site is shut down and the news crews are on their way. OK – now what? Call your lawyer and the insurance agent. Your lawyer is likely to say “Don’t say ANYTHING!” Why?...

Insurance News / 19.02.2013

[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]Question: What happens when an employer is sued for an employment practice that is “wrongful” under state law, but not federal law? Is the employer going to be on the hook for defense and settlement costs? What about fines, penalties, non-monetary damages, or accommodations required by law? Let’s take a look at Maine’s first medical marijuana employment case. In Thomas v. Adecco Group North America, a 24 year-old Maine employee, Brittany Thomas, recently sued her former employer. She had...

Insurance News / 12.02.2013

[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]This year marks the 20th anniversary of the reform of Maine’s once-notorious workers’ compensation system. This landmark legislation was a hard-fought and hard-won victory for both workers and employers. The reform has been characterized as “under-promising and over-delivering.” That’s an understatement in itself. How bad was it? The old system had become an engine of litigation, endless conflict and high costs making Maine the most expensive state in the nation for this mandatory insurance coverage. Workers’ compensation insurance was originally...

Insurance News / 21.01.2013

[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]One of the benefits of living in Maine is that it’s one of the least expensive states in the country for insurance according to a story in the Portland Press Herald. Low crime, minimal litigation and few coverage mandates are complemented by a wide selection of carriers that compete with one another for your business. All that adds up to low prices which is good for consumers.[/vc_column_text][/vc_column][/vc_row]...

Insurance News / 18.01.2013

[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]Clark Insurance has launched a year-long television campaign to support a number of area non-profit and civic causes. The employee-owned insurance agency is using half its television advertising budget to highlight eight different organizations on numerous channels in the Time Warner Cable service area. We have a long history of supporting non-profit organizations both financially and with our volunteer hours. We decided to take this commitment a step further by producing and airing half our television schedule to support...

Insurance News / 16.01.2013

[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]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 Insurance web site is that Maine’s health reform (Public Law 90)has provided the vast majority of small employers modest to significant savings compared to the historic rate of increases experienced prior to the law being...

Insurance News / 16.01.2013

[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]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 percent of those under age 35 text while driving. Among teenage drivers, it is the number one distraction. As of September 28, such activity is now against the law in Maine and punishable by a minimum...

Insurance News / 08.01.2013

[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]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 presentation set the tone – Lucy once again snatching the football away from a trusting Charlie Brown. The message? Don’t get your hopes up, folks; external forces are impeding a quicker recovery which means Maine...

Insurance News / 04.01.2013

[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]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 treated and released from emergency departments for injuries suffered in motor-vehicle crashes. Young people ages 15-24 represent only 14% of the U.S.population. However, they account for 30% ($19 billion) of the total costs of motor...

Insurance News / 24.12.2012

[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 this safely can help prevent accidents, something you don’t want during the holidays. Here are some tips on how to stay cozy in your home: When burning an open fire, make sure to eliminate all...

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