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 […]
12 Things to Add to Your Small Business Disaster Plan
As an insurance agent we think about disaster planning a lot more than most small business owners, after all it’s our job. However, with the increase in natural disasters and other unexpected disasters it’s excellent time for all business owners to create, review or update their small business disaster plan. What Should a Small Business […]
Barn Fire Safety – Loss Prevention Tips
Barn Fire Safety is an important part of farm life. In Central Oregon it’s the time of year where you might be spending more time indoors trying to stay warm. People, animals, and property are in danger when a fire breaks out on the farm. Inspect your barn and outbuildings for fire hazards to reduce […]
