Insurance Talk

Medicare Part D Prescription Drug Coverage. Cheri Martinen and Rex Lesueur talk about Medicare Prescription Drug Coverage. 

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. 

Medicare Part D (Drug Portion of Medicare) Why buy it. 

Medicare Part 3 of a 3 part series on Medicare. Cheri Martinen and Rex Lesueur continue their talk on Medicare from last week.  

Contractor mobile equipment how to insure that backhoe, crane, etc. 

Weather your business is a C corp, a S corp or a sole proprietor, it makes a difference to how your business insurance protects you and your financial investment in your business. 

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. 

What type of insurance do you need for your home based business? Will your homeowners cover it? Listen to the podcast with Cheri Martinen and Rex Lesueur to get those answers. 

Want to understand what a bond is and why it is important. Listen to Rex Lesueur's and Cheri Martinen's discussion on bonds. 

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. 

Is you drone insured by your homeowners? What about that business drone? Find out listen to Rex Lesueur and Cheri Martinen. 

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.  

Business auto. When should you be insuring your work truck or car with a business insurance policy? 

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. 

Flood insurance how it works and when do you have to buy it