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Unfortunately, being a good employer does not prevent being sued by an employee. Employee lawsuits have risen almost 400% over the past 20 years with roughly 40% of employee lawsuits brought against private companies with fewer than 100 employees. Despite these facts, 7 out of 10 businesses don’t carry Employment Practices Liability Insurance (EPLI). Given that the average court costs and legal fees can reach $200,000 or more, not carrying EPLI MORE
No one ever expects to be named as a defendant in a wrongful death lawsuit. But life doesn’t always go as planned. Accidents happen! If you are responsible for an accident that causes another person’s death, the possibility of being sued is real.
When a wrongful death lawsuit is successful, the defendant is responsible for the damages awarded. Recently, the Maine Legislature voted to amend the laws governing damages awarded for wrongful MORE
Gov. Janet Mills signed An Act to Prohibit the Use of Handheld Devices and Phones While Driving (LD 165) into law last week. The new law that will be effective on September 19th, tightens rules that address using your phone while driving.
The major points of the new law address how and when you can touch your phone. The law doesn’t leave much room for error. You cannot hold your phone while driving for any reason. If you have an MORE
By Peter McGuire Staff Writer July 3, 2019
Maine drivers accustomed to taking a call on the road or checking social media at a red light could be in for a rude awakening and a pricey ticket when a ban on holding a cellphone behind the wheel goes into MORE
It’s easy to think data security is a problem only for big companies…but that isn’t the case. Forty-three percent of cyber attacks target small businesses. Bigger companies have more data stored in their network but small businesses typically have less secure networks. That makes them an easier target for hackers.
Investing in antivirus and antispyware software, and securing your network are the first steps to protecting your business from a MORE
There are many stories in the news about data breaches of companies that have compromised their customer’s personal information. Keeping your personal information protected can be challenging but you can be in control.
Passwords are digital keys to your personal information. These days you need a password to access everything. Your devices, online accounts, and even your online grocery list are password protected. That’s a lot of passwords to MORE
With the major snow storm in January that dumped over a foot of snow in Northern Maine and the cold temperatures that followed, the spring melt could result in flooding in a few weeks. While no one can control the weather, you can protect your home with flood insurance. Did you know there is a 30-day waiting period after your purchase of Flood Insurance? Now is the time to start discussing your options to make sure you’re covered by MORE
Protect Your Roof: Ice Dams 101
The weather pattern has been inconsistent lately. There has been heavy snow, inches of sleet, plus freezing temperatures, rain and warm weather followed by another blast of cold air. The challenges of winter weather can cause damage to your roof that won’t be apparent until it’s too late.
We all know what ice is, and what a dam is, but how about an ice dam? Understanding the MORE
Keeping an umbrella in the car to use when it’s raining is just a good idea. Whether the weather forecast is accurate or not, you are always prepared and will be protected from the wind and rain. An Umbrella Insurance policy works in a similar way, you never know when you will need it, but it’s always good to have it when the unexpected happens.
You may feel that your personal insurance policies provide the protection you need since you have a MORE
The changing seasons bring foliage and hunting season with winter fun following close behind. In Maine, we love our outdoor time all year round. Be sure your snowmobiles and ATVs are properly insured before you hit the trail.
A specific policy for your snowmobile or ATV will protect your investment and help manage your risk.
Some things to consider when deciding on the level of coverage include:
Contractors are under a lot of pressure to complete jobs on-time, on-budget, and at the highest quality. They operate with such low margins that one misstep can turn into a costly mistake. The contractor might not have enough money reserved to remedy their mistake, leading to an angry client, lost business, and a tarnished reputation. Contractors Errors & Omissions (E&O) coverage is designed to protect contractors from MORE
Insurance needs change as your business changes. To protect your business, review your insurance policy to reveal any exposure to risk or identify areas that require less coverage.
A few key areas where changes would affect your business policy are:
Changes in Property or Inventory Levels
Understanding Workers' Compensation Insurance can be challenging.
In this short video you'll learn about different factors that determine workers' compensation insurance premiums.Give us a call to speak with an agent when you're ready to learn more about how we can help manage your workers' compensation costs.
Purchasing a new car is exciting. To protect your new car, you need the right amount of insurance that works with your budget.
This short video explains different types of auto insurance, factors that affect your rate, and what to consider when deciding on auto insurance.
Give us a call to speak with an agent when you're MORE
Buying a new home is an exciting yet stressful process. There are many considerations for home insurance policy to protect your investment.
In this short video you will learn about different types of home insurance and how to protect you and your belongings.Give us a call to speak with an agent when you're ready to learn more about MORE
How is your Workers’ Comp policy working for you? If you’re having trouble managing these payments, it might help to know that there are options, especially as we ramp up into Maine’s busy season!
Comp-As-You-Go (CAYG for short) is a payment plan offered in partnership with MEMIC that allows businesses to pay their Workers’ Comp premiums on a scale that is directly related to their real-time payroll.
There are many types of insurance available to business owners in today’s world. One of them that you may not hear so much about is called Key Person Life Insurance (aka key man insurance or key employee insurance). Today we’d like to share what is possible with this type of life insurance and how it can be used to protect your business.
Key person life MORE
Thinking about starting your first business? Here's what you need to know about business insurance.
In this short video you'll learn about the different types of insurance coverages we offer to small and large business owners to give them peace of mind when it comes to the unexpected so they can focus on what they do best.MORE
United Insurance knows how much you love your pets because we love ours. We also know how costly it can be when your favorite 4-legged friend is injured or sick. United Insurance is now partnered with healthypaws, one of the top ranked providers in the country. Coverage is provided for Cats and Dogs only and a summary follows. The good news is that you conveniently sign-up online and they have customer service reps ready to help. Follow MORE
United Insurance has some exciting news to share. One of our most valued partners, MEMIC, announced on September 29th that the MEMIC board of directors authorized another record dividend of $21 million for their policyholders in Maine. This decision was based on lower than expected losses on policies issued in 2014. After this year's return, MEMIC will have given back more than $241 million MORE
We could talk at length about insurance, the products we sell, and what considerations you need to make when purchasing insurance for your business. But who better to tell you about the peace of mind we bring to our clients than our clients?
This series of 14 videos includes companies from widely varying industries – from restaurants to construction companies to an NBA farm team. Listen to what they have to say about their businesses, their MORE
We asked some of our clients from different industries across Maine to participate in a commercial in which they would have a chance to speak about the role United Insurance plays for their businesses. Here is what they had to say.
Want to learn more about their MORE
We are thrilled to welcome the customers of Profile Insurance Group to our Rochester, NH branch! This transition follows the retirement announcement of long-time Profile Insurance Group Vice President, Gerry Gilbert. We extend our heartfelt congratulations to Gerry as he embarks on this new phase of his life.
If you have any questions about this transition or how it will affect your insurance, please read this welcome MORE
We all know texting while driving is a bad idea, both from a safety and a legal perspective. Most of us know we can easily put our phones down and wait until we get to our destination to check them. What we cannot control is what other people do. But when these “other drivers” are your employees we can and should reinforce why it’s important to drive safely and responsibly. Doing so could save a life and spare your business from potential MORE
There are many home-based businesses in Maine. While these businesses range in type, over 60% of them have something in common—they lack adequate business insurance, putting the owner, the employees, and the owner’s family at risk.
It’s easy to overlook the need for business insurance, particularly because you already have your home insured. However, most renters and homeowners policies do not extend to the home-based business.MORE
Have you recently joined the more than 300,000 recreational drone owners in the US? If so, congratulations on your new aircraft! That’s right – a drone is considered aircraft by the Federal Aviation Administration – much more than just a toy. You are the pilot, and with that comes serious responsibilities. There are lots of FAA rules and regulations that new pilots need to follow to make sure they are operating their drone safely, and even the MORE
The new home of the United Insurance Bradish-Young, Haley, and O'Hearn Insurance Agencies. Triple the knowledge, experience, and service in one great location - 470 Forest Avenue, Portland, ME 04401.
In order to more effectively and efficiently serve our customers, United Insurance will be relocating our home office. On November 13, we’ll be combining forces from our current headquarters in Falmouth and our two Portland agencies and relocating to our new building on 470 Forest Avenue in Portland. That’s right—one new location with triple the knowledge, experience, and service!
We’re very excited to be housing all three teams in the new MORE
If your business is currently covered under a general liability policy with no liability insurance for employment practices, consider these statistics: 60 percent of employers in the U.S. have faced employment-related lawsuits in the last five years, and 40 percent of employment-related lawsuits are filed against employers with fewer than 100 employees.
United Insurance now offers MEMIC Edge with EPLI as a special endorsement to our workers’ MORE
Chris Condon, CEO of United Insurance, is pleased to announce the purchase of the Shiretown Agency in Farmington, ME, on January 1, 2015. “We are excited to have the Shiretown Agency join United. We share the same values and commitment to our customers. This purchase will also strengthen our presence in Franklin County.” Seth Landry, Vice President and Agency Manager, will assume the managerial responsibilities of the agency, and will continue to serve MORE
Many business owners find the period before fourth quarter to be a convenient time to evaluate their insurance needs. Changes in your business size, employment status, and additions to fleets or inventory can change your exposure. Maintaining the proper insurance is a crucial step toward protecting your business.
Your insurance agent should be more than a low-cost solution to a potentially high-risk problem. A good commercial insurance agent can MORE
We value our customers and we know that the best compliment we can receive is a referral. If you are a United Insurance policyholder and you refer a family member, friend, or colleague for personal insurance, we will send you a $20 gas card. The only requirement is that the referral must provide us the information to complete an accurate quote. This is a free, no-obligation quote. Click here or MORE
Peter Clavette, Vice President and Agency Manager of United Insurance — Ezzy Agency joins Ownership Team
FALMOUTH, Maine, January 15, 2013 – United Insurance, one of the largest independent insurance agencies in Maine, today announced that Peter Clavette, Senior Vice President and Managing Partner of the United Insurance Ezzy Agency in Madawaska, has joined the companies’ ownership team.
Mr. Clavette, a graduate of the University of MORE