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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] It pays to be born in Maine. For those whose parents have the foresight to give birth in Maine, a $500 savings account earmarked for higher education will now be established in every new baby’s name. The question will be whether or not...

[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 consumers, our knowledge about the all-in cost of health care procedures is abysmal – and hospitals aren’t much better. Of course, there’s a perfectly good reason; most all of the cost is paid by an insurance company. A hip replacement, for example,...

[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 the Olympics in Sochi, we visited our son in Montana where many college students pursue their “45 degree” – a metaphor for some of the best downhill skiing in the country if you’re a university student. A couple of days before arriving...

[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] We recently hosted a Junior Achievement class from Scarborough Middle School to introduce them to insurance which is primarily the business of risk transfer. BOR-ING! Well, not so boring if you are a twelve year old carrying a box filled with real money...

[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] Imagine reducing by nearly half the number of people categorized as high risk for chronic disease (e.g. diabetes, cancer, cardiac disease, stroke, arthritis) through wellness coaching. Now imagine that you are an employer covering the lives of more than 10,000 employees and their...

[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] If you’re self-employed, or if you work for a small business, there’s a good chance that you have either no protection against a long term disability, or very limited protection. Kerry PeabodyCSA, CLTC Kerry Peabody CSA, CLTC According to the Social Security Administration, 69% of the private...

[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] Now is the time to set measurable objectives to reduce accident costs with improved risk controls in 2014. Progress on measurable safety objectives, with specific actions (or “steps”) to reach those objectives, is a vital risk control tool. Which type of objective works for you? One...

[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]We are receiving a rash of calls here at Clark Insurance reporting damage from burst pipes. Here’s a basic check list to protect your property: keep the heat at 65 and allow air to circulate throughout your entire house wrap accessible pipes with...

[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 benefit of age is that you often know what you don’t know but are wise enough to find out. A recent article from Bloomberg News indicated that in 2012, nearly 25 percent of new companies were started by people between the ages...

[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 the Affordable Care Act (ACA) unfolds, more people will gain access to health services and prescriptions. The Act also reduces the risk that individuals will go bankrupt due to medical bills. Children will be able to stay on family health plans until...

[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] According to a 2012 Consumer Reports study, 37 percent of respondents cited “fuel economy” as the most important consideration when buying a car. Quality was a distant second at 17 percent and safety was listed by 16 percent as their most important attribute. We’d...

[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] Small businesses in Maine have seen continued improvement in the cost of their health insurance policies since Maine’s health reforms were implemented in 2011. In the last three months of this year, one in four small employers saw their health insurance rates actually decrease...

[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] Company holiday parties are about to hit high gear which warrants words of caution for employers and revelers alike. From an insurance perspective, be sure to check your liability coverage well before the party begins and take all reasonable precautions to avoid an...

[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] Business leaders attending the USM Corporate Partners breakfast last week learned that leaving the workforce any time soon seems less and less likely for an increasing number of baby-boomers. Since 2001, the percentage of full time workers over age 65 has been growing...

[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 story is a short version of a longer and sadder tale. Mom was still working into her 70s but decided, on her daughter’s advice, to place her assets in an irrevocable trust of which her daughter would be the trustee. Mom was,...

[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 May, Turner Barker merged with Clark Insurance and will now be doing business under the Clark Insurance name. This is a merger of two of the oldest insurance agencies in Portland, Maine creating one of the largest and most versatile insurance agencies...

[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] Here are two truths: First, we tend to like people who show an interest in us and what we think. Second, we all enjoy receiving praise and recognition. Neither of these simple interpersonal exchanges costs a nickel yet they can be the best investment...

[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 trouble with trucks is not necessarily the trucks. According to the Insurance Institute for Highway Safety (IIHS), about 10 percent of highway deaths involve a large truck but 70 percent of the victims are in a passenger vehicle. When the two collide, there...

[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]Carbon monoxide (CO) doesn’t discriminate – it sickens or kills anyone in its path. There are about 450 deaths from CO poisoning each year in the U.S. but more than 20,000 reported cases of poisoning from this odorless and colorless killer. According 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] In this hyper virtual world, putting emergency contact information about you and your family in a place that is accessible and current is a no-brainer. You just have to do it and keep it current. In case of emergency (ICE) is essential to...

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