Thank you for joining Insurance Talk with Cheri Martinen. Today I have a very special guest coming to us all the way from Bend, Oregon. Emily Carrick from PacificSource Medicare is in our studio today. I'm super excited to have her here because Open Enrollment, or Annual Election Period, is right around the corner. And I want to make sure everyone in Central Oregon, Northern Klamath County, and Northern Lake County knows everything about all the plans that are available. One of our favorite partners, because Emily is just wonderful and that's why she's one of our favorites, is PacificSource. Emily, welcome to the show and I'm so happy to have you here again. Thank you for joining us.
One of our topics today is that the economy's tough right now. A lot of people are out of work and we just want to give a couple of tips about how to save some money on their auto insurance to make this time a little less stressful. We're not going to make it non-stressful, that's not something I can do or we can do in total. But I think there are a couple of things that they could do to reduce their premium a little bit.
This is a pretty timely topic. We talked about how we can save money with your personal insurance on a previous podcast. Now, we're going to talk about how your business can save money on its insurance costs during this time when things are tough.
Welcome to Insurance Talk with Cheri Martinen and Rex Lesueur, we’re the father-daughter team from beautiful Bancorp Insurance in Central Oregon. And today we're coming to you from a smoky town. Our beautiful state of Oregon has been on fire now for most of the week. And we're here to talk to you about what that means for you, especially if you may be affected by the fires.
Today we're talking about Medicare and health insurance. We've done a couple of podcasts on how you can save money in a down economy for your personal lines. We've talked about how you could save money for your commercial lines. And today I want to talk about how you can save money for your health insurance or things that you might need to think about for your health insurance coming up right now.
Drones and the equipment you put on them. Where can you buy insurance to protect your investment? Drones operators you may be liable for intruding on your neighbors privacy.....does your homeowners insurance cover your liability exposure? Listen to Cheri Martinen and Rex Lesueur podcast to find out.
You're listening to Insurance Talk with Cheri Martinen and Rex Lesueur from Bancorp Insurance located in beautiful downtown La Pine, Oregon. We are coming to you with some fun insurance facts today, ripped from the headlines.
We've been getting a lot of calls about how our customers are covered for riots and civil commotion. And what is that terrorism form that I've declined year after year? And does that mean I'm not covered for riots and civil commotion?
Welcome to Insurance Talk with Cheri Martinen, Rex Lesueur, and our special guest Ed Martinen, who is a professional in human resources, or PHR. Today we are talking about that fun subject again, COVID-19.
Today we’re talking about a subject that's been overly talked about for the last 60 days: COVID-19. We did a blog on this right when it came out, but we didn't put it into the verbal platform and so we thought we'd just recap what we came out with right at the beginning versus what we have now and where we think we're going in the future.
I have two topics I want to discuss today. The first one is the importance of insuring your toys and your recreational vehicles. Toys can be anything from boats, travel trailers, snowmobiles, motorized scooters, dirt bikes, ATVs, all that fun stuff.
Should I purchase the insurance offered by the car rental agency? It's a big question, we get it all the time, and the answer is you don't have to, but we normally recommend it. This is one of our most frequently asked questions and it gets a little tricky.
Today we're here to talk about one of our specialties. And that specialty is insuring wildland firefighters. And that's very specific. We're not talking about the firefighters that you think of on the big red truck. We're thinking about the firefighters that are in the forest. The wildland.
Let us tell you about the Oregon Birthday Rule. This applies to folks that have Medicare supplement or Medigap plans. In the state of Oregon, Medicare beneficiaries have a yearly opportunity to compare Medicare supplement prices and switch companies. They must keep the same plan type or choose one with lesser benefits.
We are here to help you with all of your insurance needs but today we are talking about life insurance. Last week we talked about term insurance, how much life insurance you might need, and then we talked about the bell curve of how much you need throughout your life.
You are listening to Insurance Talk with Cheri Martinen and Rex Lesueur from beautiful Central Oregon. We are from Bancorp Insurance. We’re the father-daughter team who sells insurance to all of Central Oregon and fourteen other states if you can believe it or not, but today we are here to talk about life insurance.
You are listening to Insurance Talk with Cheri Martinen and Rex Lesueur. We’re the father-daughter team out of Bancorp Insurance. Bancorp Insurance is a locally owned, family-run insurance agency out of Central Oregon. We're here in beautiful downtown La Pine recording our wonderful podcast today. It's actually kind of timely, because we're talking about auto insurance, and specifically commercial lines auto insurance or if you have an auto that you use for your business.
The COVID-19 pandemic has resulted in lost jobs, lost income and lost health insurance for people in a variety of industries from entertainment to restaurant staff and a variety of other small businesses. We recorded this podcast before the thought of Coronavirus ever entered our minds and in recent weeks it has become important for many individuals in our communities. Listen to our podcast on health insurance Special Enrollment Periods or read the transcript below to learn about if you qualify for health insurance SEPs.
Normally I have Rex Lesueur on, but today I have Tammy Lesueur, my mom, and we talked about in a previous episode how she is the wizard behind the curtain, like the Wizard of Oz, who helps our business grow using marketing. And she's with us today to share her marketing guru secrets with all the small business owners or entrepreneurs that might be looking to grow.
Welcome to Insurance Talk with Cheri Martinen and today I have a very special guest with me, Tammy Lesueur. Tammy Lesueur is Rex Lesueur’s wife and she is definitely the pillar or probably the person that sits in the background of our business and makes amazing things happen, which is what we're talking about today. We're going to be talking about marketing and how my mom, over years of trial and error and really intense study, has taken our agency from a small mom-and-pop insurance agency to a larger small business that's serving a bigger population and really helping Oregonians. We are now also licensed in thirteen other states.
It's something that I think people are thinking about as the snow comes in getting out of Dodge, right as the snow comes in. I think a lot of people will look at Mexico and other warm places, right? Or even in the summer, taking that beautiful trip to Europe that they've always wanted to or maybe Asia. So what are the insurance ramifications of travel? Do you need travel insurance?
Today we're going to talk about employment practices liability insurance. This is an area we've actually talked about before. We're going to take it from a little bit different angle at this time. Talk about why in order to prevent employment practices liability lawsuits, you need to have an employee manual.
You're listening to Insurance Talk with Cheri Martinen and Rex Leseuer. We’re the father-daughter team from Bancorp Insurance located in beautiful Central Oregon. We are here today to talk about health insurance.
Cheri Martinen and Rex Lesueur speak with Tony Urioste with MASA Medical Transport. You never know when you next medical emergency will be, but when it does happen you want to be able to be flown to the nearest hospital, or transported via ambulance. You do not want to depend on a relative to drive you there.
Group Health Insurance: Cheri Martinen and Valerie Best talk about group health insurance. Even the smallest employers can buy group health insurance. Give Bancorp Insurance a call and talk to Valerie or Cheri about group health insurance for you employees today. 800-452-6826
Medicare Supplements fill in the holes that Medicare does not cover. Medicare was never designed to cover all your medical needs. To get coverage that fills the gaps you may need to buy a Medicare Supplement . Cheri Martinen and Rex Lesueur discuss how the Medicare Supplement plans work.
Cheri Martinen talks with Emily Carrick with Pacific Source about their Medicare Expos coming up October 24th 2019. Did you know that Pacific Source is a non-profit Health Insurer. Want to know about their products, listen here.
Medicare Part one gave you the history of Medicare and we got into Part A and B and what they are and why you want to sign up for them. Cheri Martinen and Rex Lesueur are doing a 3 part series on Medicare.
Medicare is health insurance for people over 65 in most cases. There are however exceptions and you can get medicare if you are under 65. This is the first podcast in a series of 3. Yes there is that much information you need to know. Listen to Rex Lesueur and Cheri Martinen give you the ins and outs on Medicare.
Your insurance needs to be updated when you go through life changes. Find out what you need to do to make sure both you and your spouse are protected in case of an auto accident or the one of you stay in the home or not.
Listen Cheri Martinen and Rex Lesueur discuss Employer's Practices Liability Insurance (EPLI). Even if you only have one employee this is an insurance policy you need! Lawsuits brought against a current employer, past employer, or prospective employer are the most common lawsuits that today's employers face. Learn how this coverage protects employers and how you can protect your own business from becoming the next one to get sued.
Water damage claims are covered, and mold is not. If you have been denied coverage by your insurer there have been lawsuits that have won coverage back for the homeowner. Listen to Cheri Martinen and Rex Lesueur
Part 2 of this Podcast Interesting claims that happen because well "it seemed like a good idea at the time. "
Hired a new employee to drive your company vehicle or truck. Did you check their driving record? Often employers do not check driving records and sometimes when they do and it's not stellar they still hire them to drive. Listen to Rex Lesueur and Cheri Martinen discuss the consequences that could happen to your company if they were in an accident while driving the company vehicle.
Personal Injury Protection is part of every auto policy. It is not the same coverage from state to state. If you want to know what this PIP covers listen to Rex and Cheri explain this important part of you auto insurance.
Thinking of having that big celebration at home. If you decide to serve liquor you will want to be aware of your liability. It varies state to state. Listen to Cheri Martinen and Rex Lesueur talk Liquor liability on insurance talk.
Homeowners insurance policies each have their unique coverage's. Every insurer tries to differentiate their product from the competition. Listen to Cheri Martinen and Rex Lesueur discuss the what you should look for and what may not be covered under your current homeowners policy. Most people do not read their insurance policy until after they have the loss. A good insurance agent will have read every insurance policy he or she sells. Insurance is our business.
Your insurance needs will change when you have a life changing event like buying a home getting married or a divorce. Learn what steps you should take to make sure your insurance matches your new life style needs.
Cheri and Rex discuss two insurance terms most people are familiar with, but do you really know what they mean? How does your comprehensive coverage on your auto really work. Are your boats, RV's. ATV's covered under your homeowners if your garage collapses on top of them, or a fire burns your home to the ground. Find out on insurance talk. Listen now.