Tonelli Insurance

08/29/2026

𝐂𝐎𝐕𝐄𝐑𝐀𝐆𝐄 𝐀𝐒𝐒𝐔𝐌𝐏𝐓𝐈𝐎𝐍𝐒

💼 "My employer has Professional Liability Insurance...so I'm covered."

𝐃𝐎𝐍'𝐓 𝐀𝐒𝐒𝐔𝐌𝐄.

Many professionals believe that if their employer carries Professional Liability (Errors & Omissions) insurance, they're automatically protected.

But there are important questions to ask.

𝐖𝐡𝐚𝐭 𝐢𝐟...

📄 A client names you personally in a lawsuit?

🏢 You change employers?

📅 A claim is reported after you've left the company?

💼 You do consulting work on the side?

⚖️ Your employe
r's policy has exclusions or limitations that affect your situation?

𝐂𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐓𝐚𝐤𝐞𝐚𝐰𝐚𝐲

Professional Liability policies are not all the same.

Coverage depends on the policy, who is insured, the work being performed, and the circumstances of the claim.

Before assuming you're protected, it's worth understanding exactly how your employer's policy applies to you.

💬 𝐐𝐮𝐞𝐬𝐭𝐢𝐨𝐧

Have you ever asked whether your employer's Professional Liability policy specifically covers you—and under what circumstances?

08/28/2026

🎉 A New Medicare Resource for Chamber Members!

Tonelli Insurance Group is excited to introduce a new Medical Savings Account (MSA) option for Medicare-qualified individuals through the Chamber.

If you’re eligible for Medicare, an MSA is a different type of Medicare Advantage plan that combines a high-deductible health plan with a Medicare-funded savings account.

💰 Medicare deposits money into the savings account each year.

🏥 Those funds can be used toward qualified healthcare expenses.

💳 Any money remaining in the account can roll over for future healthcare needs.

For Chamber members, this creates another Medicare option worth understanding — whether you’re already on Medicare, approaching eligibility, or helping a spouse or family member navigate their choices.

Medicare can be confusing. Understanding your options shouldn’t be.

If you’re Medicare-qualified and would like to learn how an MSA works and whether it may fit your needs, reach out to Tonelli Insurance Group.

I’d be happy to walk you through it. 💜

08/28/2026

Could a High-Deductible Medigap Plan G fit your retirement budget? It may be worth exploring for healthy retirees and near-retirees who want to consider a lower-premium option and can comfortably plan for higher out-of-pocket costs when Medicare-approved services are received.

Here’s the plain language overview:

• How it works: You pay eligible Medicare cost-sharing up to the plan’s annual deductible first. After the deductible is met, the plan helps with eligible Medicare cost-sharing according to its benefits.

• Who may consider it: Someone who is comfortable setting aside funds for the deductible and prefers to weigh premium savings potential against more upfront responsibility.

• The trade-off: A lower premium may be appealing, but the deductible means you’ll need to budget for more out-of-pocket spending before benefits begin.

The right choice depends on your expected healthcare needs, budget, and comfort with financial uncertainty: not just the premium.

Ready to review your Medigap options? Book time specifically with Medigap: https://calendar.app.google/1X93hMSaVQm2CfxB9

You can also set up your Medicare profile here: https://planenroll.com/?purl=Nancy-Tonelli

Questions? Call 207-216-2197.

08/28/2026

Insurance Decoded: ACV vs. Replacement Cost (1 of 2)

08/28/2026

Medicare Supplement insurance plans don’t have to be confusing. Check out this quick breakdown of what some of the plan letters mean. If you need help navigating your choices, I’m happy to walk you through it. 2072162197, [email protected], www.tonelliinsurance.com,

08/28/2026

Planning for retirement in Maine, New Hampshire, or Massachusetts? Medigap Plans K and L may offer lower monthly premiums in exchange for sharing some eligible Medicare cost-sharing amounts.

Both standardized plans also include an annual out-of-pocket limit, which can help you plan your healthcare budget. However, Plan K or Plan L may not be the right fit for everyone. The best choice depends on your healthcare needs, preferred level of cost-sharing, and retirement budget.

Nancy Tonelli can explain these Medigap options in plain language and help you compare what may fit your situation.

Book a Medigap appointment: https://calendar.app.google/1X93hMSaVQm2CfxB9
Medicare profile: https://planenroll.com/?purl=Nancy-Tonelli
Call 207-216-2197

Find Tonelli Insurance Group on Google Business Profile.

DRAFT for Nancy’s review and approval.

08/28/2026

Could saving about $75 a year on your auto insurance cost you much more after a serious accident?

Watch the video to see why. 👇

08/28/2026

📚 Property & Casualty Learning Center Lesson 2

New Framework Guides released regularly.

🔗 Download the companion guide:
https://tonelliinsurance.com/producer-learning-guides/

08/28/2026

08/28/2026

Before the first stop, take five minutes.

A workday can be disrupted by something small: a low tire, a dead battery, a loose tie-down, or a light that stopped working overnight. The cost is not only the repair. It can mean missed deliveries, delayed jobs, and customers waiting.

The common assumption is: “The vehicle ran yesterday, so it’s ready today.”

What people often miss is that work vehicles and equipment can change between jobs. Small issues are usually easier to address in the driveway than on the roadside.

A practical five-minute check:
1. Tires and visible damage
2. Lights, mirrors, and signals
3. Fluids and leaks
4. Tools, batteries, and fuel
5. Straps, doors, and load security

The lesson is simple: a short pre-trip check can catch small problems before they disrupt your team, deliveries, and customer commitments. It doesn’t replace regular maintenance: but it adds one useful layer of readiness.

Carousel script:
1. A small vehicle issue can interrupt an entire workday.
2. Yesterday’s successful trip doesn’t guarantee today’s readiness.
3. Tires, lights, fluids, tools, and load security are easy to overlook.
4. Five minutes of checking can prevent avoidable delays.
5. What would your five-minute check catch this morning?

Reel script, 25 seconds: “Before the first stop, take five minutes. A low tire, loose strap, or faulty light can turn into missed deliveries and delayed jobs. A quick check of the tires, lights, fluids, tools, and load can catch small issues while they’re still manageable. What would your five-minute check catch today?”

Shot list: Work van at dawn; tire and lights check; tools and straps inspected; checklist completed; team leaves ready for the day.