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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] A new law in Maine, LD 1729, brings into focus the lifetime consequences of operating a motor vehicle under the influence (OUI) – particularly for habitual offenders. The new law now looks at a driver’s ten-year record when considering punishment for felony OUI...

[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] Skin cancer has been called a lifestyle disease attributable to excessive exposure to ultra violet (UV) rays (e.g. sun burns, deep tans, tanning beds, etc.). Think about that, then consider that Maine and New Hampshire have among the highest rates of skin cancer...

[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] “Hey, Bob, so sorry to hear about the fire.” Bob replies, “Thanks, but it’s not until tomorrow.” If only perpetrators of insurance fraud spent their time being honest, consumers in the United States could save an FBI-estimated $40 billion a year on the cost...

[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] How often have you rented a vehicle and decided not to purchase the Collision or Loss Damage Waiver? For years, it has been suggested that buying insurance at the rental agency is a waste of our money because we’re covered by our personal...

[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 we age, the wheels on the bus can begin to wobble. If you’re a driver for your business, what happens if one of those wheels falls off, not due to death but because of a disability? The passengers on your bus depend...

[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 the course of a year, we engage in an array of business, civic and charitable activities in ways that give back to our communities and improve our ability to serve our customers. Please enjoy our 2013 Annual Report as it captures 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] “Forty-seven states, the District of Columbia, Guam, Puerto Rico and the Virgin Islands have enacted legislation requiring private or government entities to notify individuals of security breaches of information involving personally identifiable information,” according to the National Conference of State Legislatures. Those states...

[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] More and more, residents of the Northeast are learning what those in warmer states have learned over time – air conditioning makes life more comfortable but also adds an element of risk from mold. For that small percentage of people who are hyper-sensitive...

[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 proud bi-peds in a quadra-ped world, our the feet bear the unusual burden of our entire weight yet allow us to walk, hop, skip, jump and run through life. It’s one of the reasons we need to take care of these two...

[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] “Dopey bit someone?!?” Even though he may usually be gentle, that big, slobbering four-legged goofball of a dog actually might have had a bad day, been provoked or had some other reason to sink his teeth into someone’s hand, arm or leg. More...

[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 seems that we’re seeing or experiencing more frequent and severe weather events; and fingers are being pointed toward human activities (anthropogenic warming) as a contributing factor. Because of the human and economic devastation caused by severe weather, it is our nature to...

[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] Unless you have had reason to be inducted to the ranks of colonoscopy veterans at an early age, most adults don’t worry about such things until their 50th birthday. What a great way to start the second half century of life! There 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] During my brother’s respectable forty one years as a Maine banker, he weighed the odds of making loans. He did his home work on the risks facing businesses of every kind, understood the data and researched not just the trends of the industry,...

[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] Bikes are back on the road in greater numbers with some of the worst road surface conditions in recent memory due to our hard winter. Swerving around potholes and debris, cyclists and drivers are likely to be in dangerous conflict but the law...

[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 is estimated that in Maine, more than 200,000 people have “some college” education but have not yet attained their associate’s or bachelor’s degrees. In New Hampshire, there are approximately 146,000 people in the same boat. Yet, census data says people who have...

[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 Bixby & Company in Rockland, Maine, “reinventing chocolate” was the inspiration for bringing to market a healthy and wholesome array of better-for-you candy bars. Though founder Kate McAleer already has succeeded in making and marketing her line-up through Whole Foods Markets and...

[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 2014 edition of the Maine Economic Growth Council’s Measures of Growth Report has been released and it’s a mixed bag when looking in the rear view mirror at our economic activity. This report plots movement on 27 indicators of economic and quality-of-life factors....

[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] An employee, alleging he was fired for being Canadian, took his employer to the Maine Human Rights Commission to contest his dismissal. The case fell flat when the employer produced a file that documented persistent and well-communicated short-comings in the employee’s job performance....

[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] Years ago, our family spent more than $5,000 for the removal of a twisted spleen from our eight year-old standard poodle. Our three young sons sided with Buddy, their BFF, so euthanasia was off the table. Today, affordable pet insurance is available 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] Winston Churchill has been quoted as saying, “Never let a good crisis go to waste.” In the world of risk management, that attitude has a lot going for it. A crisis is a test that gives you an opportunity to tell your story,...

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