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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] In 2008, the University of Southern Maine introduced a new program called Risk Management & Insurance (RMI), an industry-funded initiative spearheaded by Ken Ross, a USM graduate and now the chair of the board of directors of Clark Insurance . The new academic...

[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] Oz was a fantastical place of Munchkins, Wizards and talking scarecrows. However, after a Kansas house dropped on the Wicked Witch of the East, her sister threatened “I’ll get you, my pretty,” and soon sent her monkeys aloft to retrieve Dorothy and her...

[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 is a day trip or less from cities and towns north of Philadelphia and east of Buffalo. For thousands and thousands of families who ski, sail, tour or simply dwell through the four seasons, buying or passing along a second home in...

[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] Approximately 21 million young people are getting ready to go or return to American colleges and universities. With this annual migration of our best and brightest come risks that can be avoided and insured. What should you be doing now to ensure 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] In New England, we pride ourselves on our independence. That Yankee trait often includes our work status. “I work for myself!” may be a proud declaration but do you really work for yourself in the eyes of the law? In Maine, seven steps...

[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 insurance industry often is made out to be the boogie man when it comes to responding to claims. If you believed all the ads that question the sincerity and character of insurance professionals, you’d think nary a dollar was spent to settle...

[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] Let’s start with a fact: In a 2009 study by Javelin Strategy & Research, 38 percent of identity theft victims said “the perpetrator had obtained their Social Security number and used it in the crime.” Identity thieves are getting bolder and better at...

[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 may be the smartest and hardest conversation you ever have about your future. Click here to listen to Rob Lowe, Maria Shriver and others talk about the personal reasons to learn more about long term care. If it moves you, call Kerry...

[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 recent years, some very high-profile thefts by employees and professionals have occurred in New England. These have been highly sophisticated and very costly schemes that took place in just a click of the mouse or over several years. The lure of extra...

[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] What’s the normal posture of a teenager these days? Hint: This position once was known as the BlackBerry prayer. Head down, back and neck curved, thumbs flying all while using their smart phones. However, the practice of posture-torquing texting has created serious consequences...

[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 fireworks law has now been in effect since the 125th Legislature allowed municipal ordinances to govern possession, sale and use of pyrotechnics. Currently, thirty-nine communities prohibit the sales or use of consumer fireworks. Though many a festive occasion calls for setting off...

[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’s wicked exciting getting your first apartment – your own space, a possible roommate, freedom and a start to your career. Before you pop the cork, though, remember that an apartment comes with a contract, obligations, utilities and choices. What should you know...

[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 mantra of every parent to their growing children is “Make good choices!” The same goes for all of us when it comes to summer safety in New England – an all-too-brief respite from the cold and snow. So, let’s talk about the...

[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] Doing nothing is a choice no matter if it’s ignoring that funny looking mole that scares the dickens out of you or choosing not to improve your work skills in an increasingly tech-savvy workplace. Sometimes, doing nothing is just the right choice –...

[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]Insurance is a very complex business governed by years of market demands, legal cases, public policy and special circumstances. In addition, many insurance policies have different terms of coverage including the amount they are required to pay when an accident or incident occurs....

[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]Our claim managers have the satisfaction of getting people back to normal when accidents and mishaps occur. But sometimes, they have to explain there’s limited or no coverage. How much do you know about your own insurance and your limits of coverage? Take...

[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 do most people start planning for their long-term care arrangements and financing? Unfortunately, it most often doesn’t start until there’s a crisis according to Lynn Peel of Beach Glass Transitions. Only when a care giver runs out of energy or the individual...

[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] “Your records and credit reports were viewed four times by persons unknown on May 18, 2015. A file (#738567) has been set up by our division to investigate. Please go to this web site immediately (https://www.wearegoingto fleeceyou.now) to view details of these inquiries...

[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/E Joint Ventures: A Liability Challenge The following material is provided for informational purposes only from Clark Insurance. Before taking any action that could have legal or other important consequences, speak with a qualified professional who can provide guidance that considers your own unique...

[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] Looking at 2011 data, it appears that more than 777,000 people chose to ride their bike to work as their primary means of transportation according to the Census Bureau’s American Community Survey. The data suggest that the percent of those pedaling to their...

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