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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]With more than 80 years serving business and personal insurance customers, our team has successfully been growing our business in New Hampshire. The reason is simple – we know more so you can worry less. That knowledge about insurance coverage is backed 100% by...

[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 once led the nation in the cost of workers’ compensation insurance but reforms and hard work have changed all that. Since 1992, costs have been cut in half. The two most important changes were reducing the number of work-related injuries and removing...

[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 been named one of the Best Places to Work in Maine for 2014 according to the Maine State Council of the Society for Human Resource Management (SHRM). According to the organization’s news release, employers attaining the recognition “have established...

[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] Volunteer fire departments in Maine and New Hampshire need your help. For the sake of taxpayers’ wallets and residents’ safety, the volunteer firefighter is essential and they perpetuate a great tradition of teamwork and community service that dates back more than a century...

[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] Despite the occasional snow flurry and overnight freezing, cyclists are emerging from their weather-imposed hiatus to once again navigate the roads of Maine and New Hampshire. It seems the true end of winter comes when you see bikes back on the road –...

[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 recent news segment on NBC TV cited Maine as having among the most lax laws for those with multiple drunk-driving convictions. True? It’s hard to tell as the report cited no source but a check of state law suggests that there are...

[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] Comedian George Carlin created a wonderful routine of kids trying to stump their priest. “Hey Father, can God make a rock so big that not even he can lift it? Gotcha there, Father.” That paradox always comes to mind when listening to experts...

[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 in the business of insurance, we bristle at any act of fraud. We all pay for it. On some occasions, though, the perpetrator is so dumb that their apprehension is good for a laugh. Most often, however, those who cold-heartedly perpetrate insurance...

[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] Come August, it will be 80 years since the passage of the Social Security Act. Proposed and passed under the Administration of Franklin Roosevelt in 1935, this income safety net has served hundreds of millions of Americans. By the end of the year,...

[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] Though the calendar says spring is less than a month away (March 20th), New Englanders may start wishing for a late arrival to allow snow and ice to gradually melt. Why? Though the weight of snow and ice already may have caused havoc...

[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] Feeling cold? A recent presentation at the USM Corporate Partners breakfast showcased the views of three major players in Maine’s heating industry. They addressed the price and market dynamics of heating oil, natural gas and alternative fuels. With the state’s residents experiencing a...

[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 a matter of public policy, our state and federal governments have recognized that it doesn’t do anyone any good to have nursing home or in-home expenses wipe out savings intended for retirement. For example, if a husband’s stroke required extended nursing home...

[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 Affordable Care Act provision to heavily tax “Cadillac” health insurance plans is scheduled to be implemented in 2018. Employer-sponsored health plans that exceed a federally-determined cost will be taxed 40 percent of the amount above the threshold. The question will be: Who...

[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] Though the amazing little aspirin has long been touted as a good preventive measure against heart disease, new information suggests it may have a measurable impact on reducing the risk of certain cancers. With approximately 40 thousand tons of aspirin consumed annually around...

[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] “Give me a one–handed economist,” demanded a Harry Truman. “All my economists say, ‘on the one hand…on the other.’” The poor president wanted clarity instead of ambiguity as he assumed a post-war economy. Today, with volatile energy prices, unfavorable demographics and income disparity,...

[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 price of liability claims shows up in the cost of the products and services we buy as well as directly through insurance premiums. It doesn’t mean that premiums collected today will be paid out anytime soon. On the contrary, liability insurance is...

[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 transferred high schools, one of the first kids I met introduced himself and said “I want to be a cop.” His interest never waned and sure enough, he became a police officer and has served for more than 35 years. Some...

[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] Think about this. If accidents caused by distracted driving are making travel somewhat more hazardous, doesn’t it make sense to buy safer cars to protect yourself from potential perpetrators? Who hasn’t seen the driver ahead of you or one coming the other way...

[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 the sleigh touches down on your roof and the jolly old soul alights on your property, is it the joy of the holidays that spring to mind or your liability and family safety? Seriously, there are eight animals parked on your roof...

[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] “Shoulda, woulda, coulda” are the laments of so many who don’t have a vision or conversation about their financial future. At some point we die and leave behind a spouse or heirs. Evermore, a surviving spouse can expect to live anywhere from a...

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