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Insurance News / 17.07.2015

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 extracting information from trusting potential victims. So who really needs your Social Security number and when should you comply? First, think about the term Social Security. The word “security” ought to trigger your defensive instincts when it comes to being compromised. Your government-issued...

Insurance News / 10.07.2015

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 income entices some people to steal from their employers or businesses. Often there’s insurance coverage but sometimes, there’s not. What drives people to steal from an employer? Opportunity, knowledge of how things work, feelings of unfair treatment, money woes, a drug or gambling...

Insurance News / 02.07.2015

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 for our skeletal structure – in a phrase, “text neck”. Here’s what you need to know and do. “Text Neck” is a condition being seen more and more often by the health care community. It is form of repetitive stress injury that can...

Insurance News / 29.06.2015

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 some celebratory skyward displays, is the Fourth of July (right around the corner) that sends us to the store for Blinkers, Blockbusters and Blossoms. So what do we know about our fireworks tradition and how to use them safely? As with many things,...

Insurance News / 19.06.2015

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 about renting, choosing a roommate and checking out the landlord? Vetting Roommates “Hey, how about we get an apartment?” suggests the friend from work. Don’t jump before you know the basics of someone who will share your obligations for rent, utilities, food and other...

Insurance News / 12.06.2015

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 things that will keep you out of the emergency room and avoid the pitfalls of the season for your kids, pets and co-workers. Heat: Extreme heat is the enemy of good health. Make sure your kids and pets have plenty of water and...

Insurance News / 08.06.2015

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 – except when it’s not. But, let’s take a look at where doing nothing might come back to bite you. Health Every study and every health care provider will tell you that the key to wellness and longevity is eating a proper diet and getting...

Insurance News / 01.06.2015

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. As you’ll see below, that means you need have an agent who really knows the business. So here are answers to the coverage questions from a seasoned claim manager: The fallen tree (1): The responsibility of the tree cleanup falls upon the owner...

Insurance News / 01.06.2015

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 this test and calculate your insurance IQ. A nasty wind storm blows through your neighborhood and your neighbor’s tree falls onto your lawn. The cost to remove it will be north of $500. Your homeowner’s insurance may pay a limited amount for...

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