Entries by Carol LaCombe

7 Ways You Might Be Sabotaging Your Salad

Salads may not be as American as apple pie, but plenty of people report eating them regularly: four times a week, on average, according to a poll commissioned last year by Fresh Express and conducted by OnePoll. More than half of the 2,000 U.S. adults polled — 62 percent — said that salads are part of […]

Income tax diversification defined

If you’re saving and investing for retirement, you’re probably familiar with the concept of investment diversification: Combining different types of assets to balance your overall investment risk and return. This same principle can and should be applied to income tax diversification. Why? Income tax diversification may allow you to structure withdrawals in retirement to potentially […]

Spring Storm Preparedness

As spring approaches, it brings with it the possibility of a major spring storm, which can cause severe weather events like thunderstorms, lightning, hail, and even tornadoes. It is essential to be prepared and safeguard both property and personal safety. Here is a concise guide on how to prepare for the unpredictable weather of the […]

6 Forces Driving Commercial Property Insurance Costs

The market for commercial property insurance continues to be challenging. Here are several factors contributing to premium increases for commercial property coverage. Hurricanes, floods, wildfires, tornadoes, winter storms. The frequency and severity of major catastrophes continue to stress the industry. In the last four years, these events have caused annual insured losses of more that […]

6 Signs You May Be Underinsured

Presented by Matthew A. Clayson How do you know if you are underinsured? If you’ve purchased life insurance, you’ve taken an important step in protecting your family’s financial future, but you still may be underinsured. Such coverage can help your loved ones maintain their living standard in the event you should pass away prematurely, or […]

Winter Losses Are Preventable

Before the Storm Starts… Call your Cleary Insurance representative. Ask how your coverage will help you in a variety of scenarios, including burst pipes, roofing incidents, business interruption, ice dams, or accidents involving company cars. We can work with you to uncover gaps in your coverage and help you develop plans for your greatest risk […]

Donating Blood Impacts Your Community

Published by Alyssa Malmquist on January 17, 2024 The month of January is National Blood Donor Month. It’s an annual celebration that highlights how much this act of service can impact and help others. Historically, January is when blood donation has been needed most. The American Red Cross notes that the winter months can bring critical blood shortages. […]

Water Damage Safety Tips

Whether it’s the result of a leaky appliance, burst pipe, or destructive storm system, even a small amount of unwelcome water in your home can lead to thousands of dollars in damages within hours. We hope the information provided here will help you understand where water damage in your home is likely to start and […]

Is My Business Covered for That?

8 Common Business Insurance Gaps Most small and mid-sized businesses are aware of the importance of having business insurance but often simply opt for general property and liability insurance and call it a day. While these policies cover most of the basics, there may be gaps in your insurance that can leave your business exposed […]

Rate Increases on Personal Auto

Seeking a return to profitability after a few years of underwriting losses, U.S. private passenger auto insurers continue to issue double-digit rate increases for drivers, according to a report from S&P Global. Over half of the country has seen double-digit auto insurance rate increases. The average premium has gone up 11% year-to-date nationwide, S&P revealed. […]