Insurance Talk

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.

Today we have a really fun topic. It's something that we use ourselves and I think it's getting more and more popular — e-bikes and personal mobility devices. 

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.

Rex and Cheri discuss crime coverage and protecting your business in the event of employee fraud.