We printed this Q&A column in the Dec. 10, 2018 edition of The Lewiston Tribune. Q: Is life insurance expensive? A: The answer is “NO”! The fact is, term life insurance is very affordable and inexpensive, but sadly...

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AMERICAN INSURANCE - invites you to visit - our new Moscow office - 604 S. Washington St. - (across from Umpqua Bank, diagonal from Moscow Food Co-op ) During our office closures, visit our Online Service Center for...

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SWOT IT! - As a business owner it’s time to make plans for a new year of success! One common planning technique is listing out your Strengths, Weaknesses, Opportunities, and Threats - also known as the SWOT test. ...

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2,655 lbs. - A TON of Thanks-giving! - Here are John and Philip Sullivan with one of three full pallets of food donations. Also pictured is the new Fork Lift purchased with the Make More Happen $10,000 Award from Safeco...

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We published this Q&A column in the Nov. 10, 2018 edition of The Lewiston Tribune. Q: Can I get subsidized Medical Insurance now? A: Yes, the Health Exchanges are now open and you may qualify for a premium subsidy (...

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Philip Sullivan, CIC, has received the Safeco Outstanding Agent Recognition (S.O.A.R.) Award for 2018. The S.O.A.R. Award recognizes Philip for his commitment to customer service and performance for American Insurance....

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New location at 604 S Washington St, Moscow - The Moscow office has moved now into our new office location at 604 S Washington St (the former Whitney Law office). The Sullivan family owns the building and AMERICAN...

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Here are 10 teen driving stats that may surprise you and some ways to save money on your auto insurance with a new driver. Signing your teen up for an approved driver education program can not only reduce their crash...

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Slight increase for individual plans much lower than in recent years. Final 2019 premium rates for individual and small group health insurance plans have been released by the Idaho Department of Insurance. In the...

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We published this Q&A column in the Oct. 10 edition of The Lewiston Tribune. Q: When can I change my Rx and Medicare Plans? A: The Medicare Annual Election Period is coming up from October 15th through December 7th ....

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A proposal for a (minus) -4.2 percent overall rate change to Idaho workers’ compensation insurance, effective January 1, 2019, has been approved by the Idaho Department of Insurance. The proposed rate change comes from...

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YOU MADE IT HAPPEN! - Our thanks to all who “liked” and “shared” the Safeco Make More Happen post to benefit our Community Action Partnership (CAP) Food Banks. Safeco offered to double the original grant through a...

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American Insurance is inviting all small business owners to partner with us again from Nov. 12-20 - now extended! - for the 3rd Annual Hometown Business Food Drive. Just bring your donations to our office or if you're a...

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The Washington Health Benefit Exchange Board recently certified the 2019 Qualified Health Plans (QHPs) and Qualified Dental Plans (QDPs) to be offered through Washington Healthplanfinder during the upcoming open...

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We printed this Q&A column in the Aug. 10, 2018 edition of The Lewiston Tribune. Q: Do I need an “Umbrella”? A: Yes, even in August you may need an Umbrella. When we talk about an insurance “umbrella”, we are...

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The Idaho Department of Insurance (DOI) has posted proposed health insurance premium rates and the requested increases for plans sold starting January 2019. Health insurance companies have submitted their rating...

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Knowledge is power, and understanding the risks to your workers and your profits is the first step to protecting your business. AMERICAN INSURANCE represents Liberty Mutual who has just published their 2018 Liberty...

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We printed this Q&A column in the July 10, 2018 edition of The Lewiston Tribune. Q. Is my contractor insured? A: Good question! Hiring an uninsured contractor can end up embroiling you in lawsuits and cost you more...

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You are part of something BIG! Your trust and confidence in AMERICAN INSURANCE has made it possible for us to be a major sponsor of the valley’s Independence Day Fireworks Celebration for the last 33 years. As costs...

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American Insurance was recognized by the YWCA of Lewiston-Clarkston for being the dessert sponsor of their 2018 fundraising event on February 23rd. Amanda Wilhelm, YWCA community engagement manager, presented a framed...

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The votes are in! AMERICAN INSURANCE is honored to be once again selected as “Best of the West” insurance agency for 2018. The Sullivans & staff are very proud to be chosen and always strive to be worthy of your...

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We have purchased the former Whitney Attorney building at 604 South Washington in Moscow. It sits on the SE corner of Washington and 6th Street, across from Umpqua Bank and kiddie corner from the Moscow Food Co-Op...

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Here's how to find out. - Hiring an uninsured contractor can end up embroiling you in lawsuits and cost you more than you ever imagined. Summer is when we hire contractors for repairs, roof replacements, remodeling,...

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You need to know this .... Questions of liability follow every incident that hurts someone or damages their property. For a variety of reasons, the general person's understanding of what constitutes ”legal liability” is...

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“After an auto accident, what optional coverages – other than comprehensive and collision – do most people wish they had purchased?” That was the question posed to the insurance company claims adjusters and agents at a...

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Here's how an umbrella policy works to provide you with an additional excess insurance limit in a lawsuit. There are many instances when an accident, injury or other issue can occur where you have a legal or financial...

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Problems with vendors amounted to 30 percent of claim payments for all wedding claims, according to Travelers Companies, Inc. which announced the findings of its recent analysis of wedding insurance claims from 2011–...

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A new report finds that in 2016, 44% of fatally-injured drivers with known test results were positive for drugs, up from 28% just 10 years prior, according to the Governors Highway Safety Association (GHSA). More than...

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What every motorcyclist should know - Why are motorcyclists over-represented in overall crashes and fatalities? Motorcyclists now represent approximately 14% of all motor vehicle-related fatalities, up from just 5.7% in...

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Midyear change effective June 1 - Employers are benefiting from lower workers compensation rates as they continue to drop following trends of lower claims frequency, workplace safety gains, medical cost containment...

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Recent local newscasts showing area flooding - even outside a floodplain - should remind businesses and homeowners to be concerned about possible flooding. Philip Sullivan, Personal Lines Manager at American Insurance,...

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This is why you must call before digging on your property. Homeowners are the most likely to forget to call 811 before digging on their property. Something as simple as planting shrubs, installing a fence, mailbox post,...

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We printed this Q&A column in the May 10, 2018 edition of The Lewiston Tribune. Q. BOAT INSURANCE - What coverage is needed? A: As you prepare for boating season, make sure your Boat Insurance coverage is ready to...

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Whether you take to the lake for water sports, drift down the river casting your reel or sail the ocean blue, being on the water floats your boat. Your watercraft and its engine(s), your trailer and other equipment – it...

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BOATING SEASON IS HERE! As you prepare for boating season, American Insurance recommends you consider some newer boat insurance coverage options you may have missed. Agreed Value Loss Settlement – An option for full...

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The facts are different than you may think - Click It or Ticket isn’t about citations; it’s about saving lives. In 2016, there were 10,428 unbuckled passenger vehicle occupants killed in crashes in the United States....

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Chances are roughly one in eight that a driver is uninsured, according to new estimates from the Insurance Research Council (IRC). After a seven year decline from a high of 14.9 percent in 2003, the countrywide...

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A data breach at your business creates immediate and serious legal liabilities and exposes your good customers/clients to identity theft. Regardless of the size of your business, federal law and most states now require...

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The 2017 data breach of Equifax, one of the three largest US credit bureaus, was reported to have affected as many as 145.5 million US consumers. As a result, many consumers have chosen to place a "freeze" on their...

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We printed this Q&A column in the April 10, 2018 edition of The Lewiston Tribune. Q. What can I do to protect against Identity theft? A. Nearly every week we hear of another major data breach or ransomware attack....

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Nearly every week we hear of another major data breach or ransomware attack - lately Equifax and City of Atlanta. It is highly likely that the personal information of every American adult is now available on the dark...

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We printed this Q&A column in the March 10, 2018 edition of The Lewiston Tribune. Q. Does homeowners insurance cover my “At-Home” business? A. All Homeowners policy forms contain business exclusions in the property,...

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We printed this Q&A column in the Feb. 10, 2018 edition of The Lewiston Tribune. Q. Are business insurance premiums rising? A. Natural disasters in 2017 will have little effect on Business Insurance premiums in 2018....

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Natural disasters in 2017 will have little effect on Commercial Lines premiums in 2018. That is not to say that natural disasters were insignificant. The record hurricanes, floods, earthquakes, mudslides and wildfires...

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There are reports that insurers or employers may be delayed in delivering their 1095-B or 1095-C forms to their clients or employees to show creditable coverage for 2017. Generally, you must file Forms 1094-C and 1095-C...

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The Idaho and Washington health exchanges are reminding area residents who have not yet filed a federal tax return to do so by the Tax Day deadline or risk losing access to future tax credits. Customers who enrolled...

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The perfect storm? Record hurricanes, floods, earthquakes, mudslides and wildfires coupled with already rising costs for medical injury claims, auto repairs with new tech, distracted driving – all are converging in 2018...

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How are we doing?“ We want you to tell us what you think of our service. Please send in a confidential message to management by filling out our short Customer Service Comment form. Gift Card: As a "thank you" for taking...

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We printed this Q&A column in the Jan. 10, 2018 edition of The Lewiston Tribune. Q: How can I cut insurance costs? A: Is one of your New Year’s resolutions to spend less money on insurance? AMERICAN INSURANCE has...

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