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Why Contractors Should Consider Errors & Omissions Coverage

Krissy Campbell

By Krissy Campbell, CIC , ACSR 

Contractors face several potential hazards in today’s competitive and litigious society; customers are sometimes quick to allege negligence in a contractor’s work.

Contractors Errors & Omissions insurance, also referred to as E&O insurance, provides coverage for things such as damages arising out of unintentional faulty workmanship, installed products, recall of their work and impaired or defective property.

Questions about contractors E&O insurance? Ask Allen. We’re here to help.

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Donation to Pacific Engine Company

Dan Bookham and Jason Peasley of Rockport Fire Department
Dan Bookham of Allen Insurance and Financial presents a donation to Rockport Fire Chief Jason Peasley for use by the Rockport, Rockland and Camden fire departments to promote and offer free home fire inspections, smoke detectors and other help to residents of the three communities.

Allen Insurance and Financial recently delivered a donation to the Rockport, Camden and Rockland fire departments for their home inspection and smoke detector program.

“We’re in the business of helping people in our community protect their homes and their families – and so support for a program such as this, with its emphasis on health and safety, is very important to all of us at Allen,” said Dan Bookham, vice president at Allen Insurance and Financial. “This three-department cooperative effort is a project with an immediate impact and can continue to make a real difference.”

The donation is the result of a partnership between Allen Insurance and Financial and the community outreach program at MMG Insurance, the Presque Isle-based insurance carrier.

Chief Jason Peasley of the Rockport Fire Department says the program is ongoing, and donations will be accepted by any of the three departments at any time. He said that since the spring, 22 homes in the area have been inspected and fitted with smoke detectors – but that the need for this work continues.

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To Our Customers and Community

Updated: June 4, 2021

After careful consideration and ever mindful of trends in COVID-19 case counts and the science of transmission risks, we are pleased to announce that as of Monday, June 7, appointments are no longer required to enter our offices.

The safety and good health of our clients, employee-owners and our community continue to be our top priority. This is why we ask that anyone who is not fully vaccinated  wear a mask while visiting our offices.

We know that comfort levels will vary and regardless of our individual vaccination status we are happy to wear a mask when meeting with you if you prefer.

We are happy to meet with you in person, talk by phone or set up a Zoom. Our office hours are 8 a.m. to 4:30 p.m., Monday through Friday.  We look forward to seeing you soon!

We will update this page as needed.

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Trail Clearing With Georges River Land Trust at Weskeag Headlands Preserve

Holly and Jim Coombs, Daulton Wickenden, Weskeag River Preserve, trail clearing

Holly and Jim Coombs and  Daulton Wickenden help with trail clearing at the Weskeag River Preserve.

Last week some of our employee-owners joined Georges River Land Trust’s trail clearing efforts at the Weskeag Headlands Preserve in South Thomaston, one of the land trust’s newest properties.

The weather was perfect on Wednesday, May 19 for some quality time in the Maine outdoors. Some of the cutting, sawing and plant-pulling was strenuous work – but that’s what it takes to get a trail ready for its public debut. (We brought plenty of water and bug spray with us!)

Special thanks to GRLT Trail Coordinator Matt Bonner for his leadership and instruction. The GRLT website has all the info you need to learn about all their trails and preserves so you can plan your own outing − or get in touch to help with trail maintenance.

https://www.georgesriver.org/

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Allen Insurance and Financial Earns Diamond Achiever Award in Maine

Allen Insurance and Financial has been named Maine’s 2020 Diamond Achiever by Patriot Insurance Company. The annual award is presented to the highest performing agency based on set criteria including length of appointment, profitability, growth, and policy retention. Each year, the top Patriot Insurance Company agencies receive the “Diamond Achiever” award in recognition of their outstanding accomplishment.

Patriot Insurance Company President and CEO, Lincoln Merrill Jr. explains, “We are proud to present Allen Insurance and Financial with our Diamond Achiever award. Through their hard work and commitment to providing superior services, support and products, it is well deserved.”

This recognition exemplifies their commitment to providing quality, professional insurance products and services to our mutual clients.

The results achieved by the team at Allen Insurance and Financial helped the agency become one of the most successful among Patriot Insurance Company’s more than 115 independent agencies.

“The team at Allen Insurance and Financial is dedicated to providing the protection our clients need accompanied by the highest level of service. We are all very proud to be recognized by our colleagues at Patriot Insurance. Strong partnerships like ours benefit everyone in the industry − carriers, agents and clients, ” said Michael Dufour, executive vice president of Allen Insurance and Financial.

Allen Insurance and Financial has been licensed with Patriot Insurance Company since 1993 is recognized as one of the carrier’s Preferred independent insurance agency partners.

About Patriot Insurance

Patriot Insurance has been providing peace of mind for families and businesses in New England for over 50 years. Headquartered in Yarmouth, Maine, we are a regional carrier offering business, home, auto, life, and surety products backed by local, autonomous claims, loss control, and underwriting teams.

We work exclusively with independent agents who can give our customers the personal guidance and service they deserve. Since 2007, we have partnered with Frankenmuth Insurance, a longstanding company founded in Michigan in 1868. Patriot Insurance is financially sound, with an A.M. Best rating of “A” (Excellent).

Patriot Diamond Achiever Award
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Welcoming Sheila Lowe to our Benefits Division

Sheila M. Lowe

Sheila M. Lowe

We are to pleased announce that Sheila M. Lowe has joined Allen Insurance and Financial as an account executive in the company’s benefits division.

For the past five years, Sheila has represented AFLAC in the Midcoast, earning numerous sales awards and serving as the company’s district coordinator beginning in 2020. She is certified to work with client s on individual health insurance on the federal marketplace.

Outside of work, Sheila enjoys a variety of hobbies, especially if they take her to the Maine outdoors, as well as spending time with family and friends and volunteering in the community.

Sheila is vice chairman of the board of directors at the Penobscot Bay regional Chamber of Commerce, a member of the Midcoast Chapter of the Maine Women’s Network and a volunteer for One Community, Many Voices.

She is a graduate of Rockland District High School and the University of Maine in Augusta. She and her family live in Union.

Sheila will be based at our office at 31 Chestnut Street in Camden.

 

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Traveling? Protect Your Vacation Investment with Trip Insurance

For many, a family vacation is a special occasion – and never more so in 2021, when such trips are investments which need protection.

A trip insurance policy covers the non-refundable costs of your trip if you’re unable to take your vacation or have to interrupt your trip and come home early. The coverage automatically embeds some extras like medical coverage, lost baggage, and missed connection benefits.

Many people are asking about travel during the COVID-19 pandemic and the “Cancel for Any Reason” benefit.

A “Cancel for Any Reason” benefit is an upgrade which requires purchase of a Preferred-level plan and carries additional cost.  It is important to note that this benefit must be purchased  within 10 days of making your initial trip deposit for any aspect of your trip, be it lodging, a car rental or reservations for travel.

A “Cancel for any Reason” benefit allows you to cancel for any reason not listed on the Certificate of Coverage and you’d receive a 75% refund of your insured amount. Cancellation due to travel restrictions or other circumstances related to the Coronavirus are not a covered reason to cancel under these plans unless you have the “Cancel for Any Reason” benefit. However, illness, as certified by a doctor, may be a covered reason for cancellation.

It is also important to read your plan documents carefully and be aware that this benefit is not available to residents of New Hampshire, New York and Washington.

For more information, click over to AllenIF.com/trip

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Fill the Strand Success!

From AIO Food and Energy Assistance
Rockland, Maine

On Monday, January 18, 2021 AIO Food and Energy Assistance hosted its first FILL THE STRAND food and funds drive to benefit AIO’s Food Assistance, Energy Assistance and Weekend Meal Programs. The day was significant as a national day of service, honoring Martin Luther King Jr. The goal was to fill every seat in the theater with a bag of food or funds for food; with the overwhelming support from the community AIO was able to fill the theater three times!

See photos from the event. 

The event was a wonderful collaboration with the Strand Theatre and Allen Insurance and Financial, which provided an opportunity for the community to connect and participate, in a meaningful, but safe way. The Strand Theatre had the door open and the lights turned on for one of only a few times in the last ten months. “While the pandemic has temporarily closed the doors to the theater, the work of the Strand carries on in new and creative ways–and this effort was no exception,” shares Jessie Davis, Executive Director of the Strand. “As a community mainstay, it made absolute sense for the Strand to partner with other deeply-rooted community institutions, AIO & Allen Insurance and Financial, to provide an extra lift to our friends and neighbors in these difficult times!”

Allen Insurance and Financial employees were on hand to help greet, collect, and sort incoming food donations. The goal The generosity of the community has been remarkable- with more than 2000 pounds of food collected, sorted and integrated into AIO’s market by the end of the day. More than $27,000 in financial donations were raised, which together with the food collected will go directly to AIO’s programs that support Knox County families. All together more than 245 people or organizations contributed to Fill the Strand’s success.

Liz Jenkins, AIO Board President shares, “We are amazed by the day and the show of support from all corners of the community, especially our partners. I think that we have all been craving an opportunity to “do” something, something meaningful and joyful outside of our own walls, during a year when we’ve been at home so much. Leila Murphy brought this idea to me a year ago, and while we had to pause plans last spring, when Wendy Bryd from Allen Insurance and Financial contacted me in the late fall about a team project, the stars aligned. Our AIO Weekend Meal program manager, Molly O’Rourke, is a professional events planner so she rounded out our planning team beautifully.

I’m grateful to Leila and Molly for coordinating the event, and to everyone who supported the event-whether donor, volunteer or cheerleader. Thank you. The good energy and the excitement around the event was infectious. We certainly hope to do it again!”

“We’re grateful we could play a part in a very special day − one that showed our community at its best,” said Mike Pierce, president of Allen Insurance and Financial. Allen Insurance and Financial, was a collection site in the weeks leading up to the event, in addition to having a team of volunteers on the day of the event. Main Street Market also served as a collection site.

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A Day of Service in the Community: Doing Things That Need to be Done

Allen Insurance and Financial encouraged employees to use a paid community service day on Jan. 18  Amy Bowen and Sally Miles, members of the business insurance team in our Belfast office, put in some real elbow grease, volunteering for Waldo Community Action Partners in Belfast, assembling 20 conference room chairs and deep cleaning two of the organization’s transport vans.  Says Sally: “It was a great day – we did things that needed to be done!”

AMy Bowen and Sally Miles volunteer at WaldoCAP