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Cheri Martinen

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La Pine, OR
Cheri Martinen

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Helping Business Owners Protect What Matters | Licensed Insurance Pro | DM “coverage” for a free resource

11/03/2026

I know. You’d rather be on a beach right now.

The federal government doesn’t care who your agent is, but it cares a lot about your paperwork.

I wrote COVERED so you’re not guessing at this stuff. The link is in my bio.

11/02/2026

The claim you report in October prices your policy next June.

Not because anybody’s punishing you.
Because that’s how it works.

Every claim goes on your loss history.
When renewal comes around, the underwriter reads that history before they ever look at your quote.

So here’s what I’d do this month, while it’s quiet.

Report anything from this season that hasn’t been reported yet. Late reports get messier for everyone.

Then ask for your loss runs and actually read them.
Make sure every claim on there is yours.
Make sure the closed ones are closed.
Make sure nothing is sitting open that shouldn’t be.

That way the story your underwriter reads next spring is the true one.

That’s the kind of thing I wrote COVERED to fix. The link is in my bio.

10/30/2026

Layup coverage saves you real money while the rigs sit.

It also comes with one rule most people forget the first time a truck needs new tires.

Comment Coverage and let's set up your layup the right way.

10/29/2026

I turn down work all the time.

Not because I don't want the business.

Because I only insure the operations I actually understand.

Wildland fire is the one I say yes to.

Comment Coverage and let's see if you're one of my yeses.

10/28/2026

You subbed out part of a fire job this year.

A fuel crew.
A tender.
A piece of equipment you didn't own.
Totally normal.

Now flip to page two of that subcontract.
The insurance section.
The one everybody skims.

That page decides whose policy pays when something goes wrong.
Whether you're named as additional insured on theirs.
What limits they're required to carry.
Whether their workers' comp was current the day they showed up.

If that page is weak, their problem rolls uphill to you.
Same job site. Same contract. Your policy.

Do it before you sign the next one.

Comment Coverage and let's read page two together.

10/27/2026

You got that engine at a great price.

Replacing it today is a different number, and your policy should know which one it's insuring.

Comment Coverage and let's check your replacement cost.

10/26/2026

Everybody shops their insurance in April.

April is the worst month to do it.

I know. An insurance agent telling you not to call in April. Hear me out.

Spring is our busiest season.

Every contractor with a fleet and a crew remembers at the same time that fire season is coming.

"Hey, remember your insurance?"

Everybody's in line at once.

And you're trying to hire forty, sixty, a hundred people for the season while somebody asks you for payroll estimates and vehicle lists you don't have in front of you.

That's when the guesses happen.

Guesses on a workers' comp application turn into an audit bill later.

October and November are different.

The season just ended.

The numbers are fresh.

Nobody's rushing.

Do the thinking now. Then April is just paperwork.

Comment Coverage and let's get you ahead of the line.

10/23/2026

Your contract asked for a million in coverage.

Your certificate might be telling a different story.

Comment Coverage and let's check the lines before the contracting officer does.

10/16/2026

We planned lunch for 40 wildland contractors.

76 showed up.

I know, I know. Free lunch. Nobody has ever accused a wildland crew of turning down food.

But that's not why they stayed.

My team hosted a luncheon at NWSA.
Lunch was on us for anyone who wanted to learn what OneDigital actually does.
We planned for forty.
Seventy six walked in.

That number tells me something.

It tells me how many of you have been waiting for somebody to explain your insurance in your own terms.
Layup coverage.
Inland marine.
Why the comp audit came back bigger than you budgeted.

Comment Coverage and skip the lunch line.

10/15/2026

The season is over and most of you are finally home.

Before anybody brings up renewals or audits, thank you.

Every crew, every engine, every tender that rolled out this year.

When you're ready to start thinking about next season, comment Coverage and let's talk.

Address

51473 Highway 97
La Pine, OR
97739

Telephone

+15418764007

Website

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