It is essential that you maintain the proper level of coverage to properly protect yourself from the always present danger of huge awards for auto liability.
Walter Gosline established Gosline-Murchie Agency in Gardiner, Maine in 1955. He had been a life insurance agent for Northwestern Mutual when he decided to open a general lines insurance office. In 1973 Walter hired his son, E. Nelson Gosline, who had spent ten years as an insurance adjuster. E. Nelson introduced Richard L Goodwin to the agency and together they purchased the Agency from Walter. Kenneth L. Bailey and G. Nelson Gosline purchased Dick’s stock in 1996.
Health Insurance
Health care costs are high and getting higher. Who will pay your bills if you have a serious accident or a major illness? With health insurance, you protect yourself and your family in case you need medical care that has the potential to be very expensive.
Long Term Care
Protect your independence and your assets as you age. Long-Term Care has been defined as "medically necessary assistance, recommended by a physician for the treatment of a chronic illness or debilitating injury on a long term basis. Recovery is usually not expected. Care is oriented toward helping a person function, not toward a cure."
Short-term disability pays a percentage of your salary if you become temporarily disabled, meaning that you are not able to work for a short period of time due to sickness or injury. This does not include on-the-job injuries, which are covered by workers compensation insurance. A standard Short-term disability policy provides you with a weekly portion of your salary, usually 50, 60, or 66 2/3 percent for up to 13 to 26 weeks. Most Short-term disability policies have a "cap," meaning you receive a maximum benefit amount per month.
Commercial Liability Insurance
You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. Considering we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
Fortunately, there is a way to help protect you and your family from such events. A Personal Umbrella Policy is designed to provide 1 million or 2 million dollars of personal liability protection over the limits set by your basic insurance policies. The umbrella may also provide additional coverage that may not be included in your underlying policies.