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Insurance News / 19.06.2015

[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 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...

Insurance News / 12.06.2015

[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 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...

Insurance News / 08.06.2015

[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 – 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...

Insurance News / 01.06.2015

[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. 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...

Insurance News / 01.06.2015

[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 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 News / 22.05.2015

[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 in need of care runs out of money do many people confront the inevitable decisions of what to do, where to go and how to pay for it. It’s not just about the money, says...

Insurance News / 18.05.2015

[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 and then call our office to discuss the matter. You will find the investigator’s direct number on the web site. Please reference your case file when calling.” Or how about this one? “I am sorry to have...

Insurance News / 14.05.2015

[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 circumstances. Collaboration seems to be a key concept in today’s design and construction environment. Integrated project delivery, design-build, and other alternative project delivery methods emphasize nontraditional arrangements and partnerships among designers and between designers and contractors...

Insurance News / 11.05.2015

[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 job has remained relatively stable at about one half of one percent. May is National Bike Month and Monday through Friday, May 11th – 15th is National Bike to Work Week. So what’s to know...

Insurance News / 04.05.2015

[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 would you do in retirement if you had no financial constraints? Would it be just what you’re doing today? Work part-time? Travel? Volunteer? Start a company? Go back to school? Financial constraints are what keep many of us from pursuing hobbies and passions but making a plan will help make dreams come true. So what do we need to know to prepare for a fulfilling retirement? Bob Lowry, who blogs for nextavenue.org, advises “not to worry so much...

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