What is an insurance audit? An insurance audit is an examination of your operations, accounting records, employees and what it is you actually do to discover your risk exposure. This can affect your premium basis, classifications and rates that apply, for a specific period of time coverage was provided. What is a Common Insurance Audit […]
Direct Mail Marketing Techniques for Small Business
In today’s Insurance Talk, Cheri Martinen and guest Tammy Lesueur discuss marketing growth strategies using direct mail marketing techniques for small business growth. Tammy Lesueur has over 25 years of experience in marketing, with verified growth in the insurance industry. Strategies to Grow Your Business Every small business starts out with the desire to build […]
Why would anyone need Umbrella Insurance?
Do I Really Need Umbrella Insurance? Clients and friends ask me this question all the time. I know what they are thinking, “is my insurance agent just trying to get me to buy more insurance, do I really need Umbrella Insurance?” It’s a valid question and one worth asking. Like many things in this life […]
Medicare and Medicaid – What is the Difference?
What is the Difference between Medicare and Medicaid? In short, Medicare is a medical insurance program for people over 65 or people under 65 with certain disabilities. Medicaid is a medical assistance program for low-income patients. What is Medicare? Medicare is a federal health insurance program run by the Centers for Medicare & Medicaid Services (CMS), an […]
What Does Original Medicare Cover?
Medicare can be complex due to all the various parts of Medicare and options for additional coverage. Let’s explore what Original Medicare Cover and what it does not. Original Medicare contains two parts. Part A for hospital charges and Part B for doctor visits. Medicare Part A Medicare Part A is coverage for hospitalization, skilled […]
Insuring E-Bikes & Mobility Scooters
In the event of an accident, owners of e-bikes, scooters and other micro-mobility devices could be held liable for damages and the injuries, disabilities or even deaths of others involved. Most homeowner’s policies exclude liability coverage when e-bikes or other micro-mobility devices are used to travel on public roads. We can offer a motorcycle policy […]