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American Insurance Blog

All You Ever Wanted to Know About Insurance

Q&A: Is life insurance expensive?

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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Moscow Christmas Open House planned Dec. 10-14

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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2019 Business Planning - SWOT it!

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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Thanks-a-TON for 2,655 lbs. of Food Drive donations!

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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Q & A: Can I get subsidized Medical Insurance now?

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 receives SOAR award from Safeco

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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Our Moscow office has moved!

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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Text us for policy services

For your convenience we have added a new way to communicate with us – texting! Cell phones have become part of our everyday life. Now all you have to do is text this number and the message will be routed to your agent....

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Adding a teen driver? What every parent should know

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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Final 2019 Idaho Health Insurance Rates

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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Q & A: When can I change my Rx and Medicare Plans?

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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Idaho 2019 Workers’ Comp Rates to Decrease

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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Together We Made More Happen - $5K More!

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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3rd Annual Hometown Business Food Drive ends Nov. 20

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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Final 2019 Washington Health Insurance Rates

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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Q & A: Do I need an 'Umbrella'?

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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2019 Idaho health rates proposed

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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Top 10 causes of workplace injuries

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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Q & A: Is my contractor insured?

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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What’s next for the big fireworks display?

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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Soup-Porting the YWCA!

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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Best of the West Winners Announced

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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Transforming our future Moscow office

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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Is your contractor insured?

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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Are you liable?

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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Auto wish list: You want these coverages

“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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How an umbrella policy works to cover you

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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Wedding vendors account for most costly claims

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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Drugged driving problem grows

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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4 reasons for motorcycle fatalities

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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Idaho Workers’ Compensation Rates Decrease Again

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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Spring rain brings flood warning

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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Who must call 811?

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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Q & A: What boat coverage is needed?

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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8 boat insurance Qs to ask

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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3 boating coverage options to consider

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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Five Seatbelt Myths Busted

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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Uninsured Drivers Average 1 in 8

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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Should I get cyber liability coverage for my business?

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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Will Freezing My Credit Affect My Insurance Rates?

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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Q & A: What can I do to protect against Identity Theft?

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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How to Win the Cyber Battle

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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Q & A: Does homeowners insurance cover my “At-Home” business?

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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Q & A: Are business insurance premiums rising?

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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2018 Commercial Insurance Rate Forecast

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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Deadline extended for some 1095 forms

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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ACA premium tax credits require 2017 tax filing

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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2018 Insurance Rate Forecast

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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Reviews requested from you!

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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Q & A: How can I cut insurance costs?

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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