American Insurance health agents Dave Root and Tim Gleason want to share that they are available to help area residents who are losing their Idaho Medicaid coverage. In December 2022, Congress passed an omnibus spending...

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The Agency held our annual staff meeting and Christmas party on Friday, Dec. 16 to share information with our staff from both offices. Agency President Shawn Sullivan shared about the growth the Agency has had in 2022...

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Life has a habit of getting very busy – from raising a family, to buying a home, to building a business or a career. Even so, we shouldn’t procrastinate on protecting the dreams for the ones we love for their peace of...

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American Insurance and more than 70 Partners in our local business community worked in the 7th Annual Hometown Business Food Drive. - When the totals were announced, wow, what an outcome we had for this event! - Between...

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As our 100th anniversary year comes to a close, we can sum up everything by saying one word – “thankful”! We are thankful for you, our loyal customers and friends, for your continued trust and confidence in us. For some,...

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American Insurance has Partnered with more than 70 businesses for the 7th Annual Hometown Business Food Drive. The 8th Annual Event will be announced closer to November 2023. - Related: 7th Annual Food Drive SMASHES...

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Our top priority is providing you personal service! Below is a list of our Customer Service Agents who you can contact for claims, payments, policy changes and new quotations. If, for any reason, we are not meeting your...

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Do you prefer to not get a mailed calendar? We’d like to know so we can add you to our “opt out” calendar list. Text us at (208) 518-0823 or email us at marketing [at] am-ins [dot] com or you can call Stephanie at (208)...

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Time to update your files We have closed our PO boxes in Lewiston and in Moscow. Please make sure your bill payment address on file is listed as 55 Southway Avenue, Lewiston, or 604 S. Washington St., Moscow especially...

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We are hiring! We have an opening in our staff for the Personal Lines customer service agent. Find more information on our LinkedIn post or on our Facebook post. If you are ready to apply, email a PDF of your resume to...

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Every day being on a work site can be dangerous, regardless of the industry in which you work. Do your employees know how to put Safety First to work to avoid possible accidents, reducing your risk and helping avoid...

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THE AMERICAN DREAM - Yours and Ours! - For our 100th Anniversary, American Insurance launched the new slogan, “We Protect Your American Dream”. Our slogan says “your” because every American Dream is as special,...

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We have three events that we'd love to welcome you to join us for our celebrations. Here are the dates for our upcoming events. 5-7 PM Thursday, Aug. 18 -- Business After Hours event with LC Valley chamber3-6 PM Friday,...

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Advantage Advertising shared with us this blooper reel. John Sullivan (center) shared it with the agency to remind us that not everything always goes according to our plans!

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As part of 100th year anniversary, we asked for your stories about your interactions with the Sullivans and staff at American Insurance. This story takes us back to when John Sullivan was just a young boy. So we wanted...

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Community Spirit presented awards to several well-deserving people and organizations that have worked behind the scenes for many years to support the Independence Day Fireworks events. In honor of their many...

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UNINTENDED CONSEQUENCES The emerging new threats to your business “I didn’t see that coming!” We probably have all muttered those words recently. There seem to be new challenges to running a business that emerge daily....

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Seniors who have Medicare supplements have new options your Agent can review. Tim Gleason and Dave Root are our licensed health insurance agents who quote and issue Medicare Supplemental plans in Idaho and Washington. “...

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Did you know that life insurance may be the single greatest gift you can buy for your family? I emphasize buy because, of course, nothing can replace the gifts of time and love you already give them. Let’s look at some...

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We've expanded our online social opportunities beyond Facebook. We now also have a Twitter page, an Instagram account and a LinkedIn page for you to follow! We also have a Google Maps page for Lewiston and one for ...

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Old photographs, newspaper clippings, advertisements, documents, digital photos and records – telling a story spanning 100-years is a challenge! The famous American author, Carl Sandburg wrote, “Life is like an onion;...

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American Insurance offices in Lewiston and Moscow have been awarded Elite Status Plaques as being in the the top 10 percent in the nation for Liberty Mutual Insurance for 2020 and 2021 and for Safeco Insurance for 2021....

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Awards were given out during our 2021 Christmas party and annual staff meeting on Dec. 10, 2021 to celebrate the year and look ahead into 2022. Newcomer Angela Hobart (above) received the newcomer award after passing...

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Rate stability will usually last up to about two years, but that may not be the case as we look at the forecast for business and personal insurance rates for 2022. LOOKING BACK TO 2021 - In January last year, I wrote...

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It's no surprise to anyone that mail service seems to have slowed down. We would hate to have your payment be late or your policy be canceled because your payment did not arrive in time. Please consider skipping the...

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This is “our” history – yours and ours! Since 1922 American Insurance has become an inseparable part of the communities it serves. Our history is also the history of the business and civic leaders who helped shape and...

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Members of the Idaho State Police are joining colleagues throughout the Western U.S. in urging drivers to buckle up and drive safe and sober this New Year's Eve. It's a unified effort from the Western States Traffic...

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We printed this Q&A column in the Dec. 10, 2021 edition of The Lewiston Tribune. Q: Can I buy life insurance during the pandemic? A: You aren’t alone if this pandemic has made you think again about the importance of...

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ACA Health Exchange Annual Open Enrollment Period ends soon. UPDATE: Idaho has extended their open enrollment period for Advanced Premium Tax Credit plans in Your Health Idaho until Dec. 22. Washington open enrollment...

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Betty Reimler Knopes found herself in a photo advertisement framed at the American Insurance office and told us her story. She started working at American Insurance in 1948 at the age of 16, just after she had graduated...

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This is a story we have not told before now. It was told in detail in the Lewiston Morning Tribune, The Elders / Oliver M. Mackey (published on Dec. 25, 1977), by Thomas W. Campbell. Tom interviewed OM Mackey in 1977...

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Be in the first 100 people to answer these 4 questions correctly to receive a prize! (Hint: All answers can be found inside this newsletter available to read online from this link here.) Click this link to complete this...

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We are launching our 100th Anniversary with a special 2022 Historic Calendar! - On every page you will find historic pictures (some even embarrassing - eek!) and surprising stories. Read about the people who helped...

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We appreciate all of our donors for their contributions to ensure our successful 6th annual food drive. The total count is 12,780 lbs. including cash donations for our 6th Annual Food Drive. - Thanks to you, our...

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We printed this Q&A column in the Nov. 10, 2021 edition of The Lewiston Tribune. Q: Are you having your food drive again this year? A: Yes, the American Insurance HOMETOWN BUSINESS FOOD DRIVE is coming up next week,...

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There are two “open enrollment periods” that are critically important for health insurance -- for individuals and seniors in our area. These limited time periods are the only times that new Affordable Care Act (ACA)...

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Everyone can shop at grocers to support event - Updates -- Watch for updates throughout the week on our Facebook Food Drive event page here. Related: See our downloadable Lewiston PDF invitation with links or Moscow...

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We printed this Q&A column in the Oct. 10, 2021 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 Oct. 15 through Dec. 7. This...

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We printed this Q&A column in the Sept. 10, 2021 edition of The Lewiston Tribune. How can I beat rising business insurance rates? A: If your business insurance rates have increased again, we need to talk! At...

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The LC Valley Habitat for Humanity organization has announced several local home improvement programs available for area residents. Clarkston repairs program available for residents - At Habitat for Humanity, we believe...

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Welcome back to our University of Idaho Vandals this week, from your fellow UI alumni at American Insurance.Read more about our staff on our staff directory here.

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We printed this Q&A column in the Aug. 10, 2021 edition of The Lewiston Tribune. Q: When should I review my insurance? A: Insurance is a deeply personal business in order to protect your American dream! After all,...

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One of the safest choices drivers and passengers can make is to buckle up. Many Americans understand the lifesaving value of the seat belt – the national use rate was at 90.3% in 2020. Seat belt use in passenger...

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Thank you so much for your votes of confidence! The votes are in! AMERICAN INSURANCE is honored to be once again selected as “Best of the West” insurance agency. The Sullivans & staff are very proud to be chosen and...

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We printed this Q&A column in the July 10, 2021 edition of The Lewiston Tribune. Q. Can telematics lower my auto premium? A: Yes, safe drivers can save up to 40% off their personnal auto insurance premiums after...

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Philip Sullivan, Vice President & CIC, coached two teams sponsored by American Insurance, which provided new gear that will last for many years. The the Brewers team (shown in yellow for 4-6-year-olds, including...

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NOTICE to Washington clients & residents The Washington Insurance Commissioner made an emergency rule on March 22 banning insurance scoring as a factor in calculating insurance premium rates effective June 20 for...

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We should all be very happy to see COVID in our rearview mirrors as we cruise down the highway back to normal life. Hopefully, you have great summer plans to travel and have fun with your motorhome, camp trailer, 4-...

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We printed this Q&A column in the June 10, 2021 edition of The Lewiston Tribune. Q: Do soaring building costs effect my insurance? A: Yes, the dramatic rise in building material cost translates into much higher re-...

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John B. Sullivan is currently serving as board president of Interlink and has announced that Interlink is moving to a new office location in the next 30 days. After 21 years at the same location in downtown Clarkston,...

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As we prepare for our 100th anniversary, we want to hear your experiences and memories of our relationship. Please tell us your stories about your most memorable, most funny, your most exciting, your most worrisome...

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American Insurance is warning rural property owners in the Northwest that wildfires are expected to start earlier and be closer to home this summer. Shawn Sullivan, President of American Insurance said, “rural property...

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We printed this Q&A column in the May 11, 2021 edition of The Lewiston Tribune. Q: Do you have any tips about RV insurance? A: We insure RVs of all types and sizes. The insurance you need with depend on what state...

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TIME AGAIN TO VOTE - If you think we are still the best choice as your local insurance agent, we would appreciate your vote again this year. Click on the icon below or on this link to begin voting for "Best of the West....

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Did you close or change your normal procedures for COVID and lose out on that revenue, yet still see a JUMP in your insurance rates for your renewal in 2021?!?! Our Agents can help you solve this problem!! We have...

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We printed this Q&A column in the April 10, 2021 edition of The Lewiston Tribune. Q: Does Idaho have a new cell phone law? A: Yes, Idaho is now enforcing the “hands-free cell phone” law passed last July. The Idaho...

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We have a new website and we've added a new Community Tab landing page. There you will find out about our history of community involvement, our own agency community events plus a Community Calendar feature. Have we...

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”Carmen!” That’s what you hear over the partition from a co-worker who needs help with their computer. Carmen Johnson is an invaluable part of the A-Team. She works behind the scenes to keep our computers and software...

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Preparing for our 100th Anniversary Spring brings us a fresh start and growth! New hope and sunshine awaken us as we are emerging slowly from this long pandemic. We look forward to things becoming more normal with each...

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Cyber Crime is one business that has thrived during the COVID-19 pandemic. The FBI reports cybercrime quadrupled during the first phase of the pandemic with phishing attacks spiking up 350% (see a real example after...

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Individuals can shop for health coverage and may qualify for premium subsidy (reduced premiums) to begin the first of the following month. Your Health Idaho has extended enrollment until April 30, 2021Washington Health...

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With the passage of the American Rescue Plan (ARP), the Biden-Harris Administration is reducing health care costs, expanding access to coverage, and ensuring nearly everyone who buys their own individual or family...

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Here is information for Idaho residents and where you can find your vaccines. Idaho North Central Health District has announced large-scale COVID-19 vaccine clinics will be held on Friday, March 19th and Saturday, March...

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We printed this Q&A column in the March 10, 2021 edition of The Lewiston Tribune. Q: Are the health exchanges open again? A: Yes! The Idaho and Washington state health exchanges have re-opened in response to...

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We want to introduce our new website to you, and help you find your way around our site. Each tab heading contains a wealth of convenient and useful information. 24/7 you can make a payment, file a claim, request policy...

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In case you wondered, if you are covered under Medicare Part B (Medical Insurance) or you're enrolled in a Medicare Advantage Plan (Part C) you pay nothing for the approved COVID-19 vaccine. Be sure to bring your...

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We printed this Q&A column in the Feb. 10, 2021 edition of The Lewiston Tribune. Q: What to do about rising business insurance rates? A: If COVID wasn’t bad enough, business insurance companies are at the tail-end...

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WELCOME TO THE A-TEAM! Team trophies were awarded during the December annual meeting to Mitch Keller, Agent, and Brittney Allen, Commercial Lines Service Representative who joined American Insurance in 2020. Also...

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UPDATE: Find the most recent extended health exchange enrollment article here instead.American Insurance health agents are certified for both exchanges to help our clients understand what plans are available, see if you...

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How to beat rising business insurance rates - What is on the horizon for business insurance prices in 2021? You’ve been creative and resilient as you continue to weather the COVID-19 economic storm. Controlling...

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We printed this Q&A column in the Jan. 10, 2021 edition of The Lewiston Tribune. Q: Do jewelry & guns need special insurance? A: Yes, if you have higher value jewelry or guns then you may not have enough...

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We want to hear about your 2021 appointment calendar that you receive each year in the mail. Would you like an extra copy of this calendar to share with a neighbor or a friend? Or, do you not use your calendar and you'd...

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We printed this Q&A column in the Dec. 10, 2020 edition of The Lewiston Tribune. Q: Can I buy life insurance during the pandemic? A: You aren’t alone if this pandemic has made you think again about the importance of...

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Idaho's Health Exchange, Your Health Idaho, has extended open enrollment until Thursday, December 31st, to apply for a tax credit, select a plan, and enroll in coverage that begins January 1, 2021. Washington State has...

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Two-thirds (67%) of Americans say that the pandemic has been a wake-up call for them to reevaluate their finances, according to a new study by Life Happens, a nonprofit dedicated to educating consumers about the...

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We printed this Q&A column in the Nov. 10, 2020 edition of The Lewiston Tribune. Q: Are there new options on the health exchanges? A: Yes, the WA & ID Health Exchanges are now open with new companies, plans and...

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Nellie Flatt’s home in Malden, Wash., burned to the ground in a wind driven wild fire on Sept. 7, 2020. She lost all her belongings, her pictures and mementos but amazingly didn’t lose her smile or sense of humor. She...

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A new flood of Idaho Transportation Department (ITD) letters have gone out to Idaho drivers threatening registration suspension for vehicles they can’t match to their system. Idaho’s “Drive Insured” program is about to...

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We printed this Q&A column in the Oct. 10, 2020 edition of The Lewiston Tribune. When Can I Change My Rx and Medicare Plans? A: The Medicare Annual Election Period is coming up from October 15th through December...

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American Insurance is inviting all small business owners to partner with us again from Nov. 16-20 for the 5th Annual Hometown Business Food Drive. If you are ready to join us, please contact our Event Coordinator...

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We printed this Q&A column in the Sept. 10, 2020 edition of The Lewiston Tribune. Q: My fence at home blew down during a windstorm, is it insured? A. YES! If you have a typical Homeowners policy (HO-3), it covers a...

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Troopers with the Idaho State Police and Washington State Patrol want drivers to know that extra patrols are out in force now through Labor Day focused on finding DUI drivers. In 2019, DUI fatalities increased by nearly...

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What a difference 6 months makes! In my January article Forecasting 2020 Commercial Insurance Rates, I said, “most commercial insurance rates trended modestly higher in 2019 and increases are expected to accelerate...

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We printed this Q&A column in the Aug. 10, 2020 edition of The Lewiston Tribune. Q: What is Classic Car Insurance? A: Classic cars aren't just antiques, they also include restored cars, street rods, low riders,...

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Employers are challenged with two liability concerns regarding COVID-19 transmission – customers and employees. The latest liability exposure to manage is how to prevent claims for workers compensation or employer...

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We printed this Q&A column in the July 10, 2020 edition of The Lewiston Tribune. Q: I’ve lost my health insurance! Now what?A. We can help! If you’ve lost your health insurance because of a business closure,...

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Beginning Wednesday, July 1, 2020, drivers throughout Idaho will be responsible to follow a new law meant to keep drivers safe and engaged while behind the wheel. The new Idaho State Code 49-1401A requires electronic...

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Rapid growth in the number of business insurance accounts has prompted the need to expand our Customer Service staff to four with the recent addition of Brittney Allen. We welcome Brittney, who previously worked for...

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Mitch Keller has joined American Insurance as a licensed Property-Casualty insurance agent. Prior to starting his insurance career, Mitch worked in customer service for Regence BlueShield of Idaho and most recently as a...

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For 37 years, American Insurance has been a major sponsor of the Lewis-Clark Valley aerial fireworks display on July 4th. John Sullivan, Vice-President of Community Spirit and CEO of American Insurance said, “The...

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We printed this Q&A column in the June 10, 2020 edition of The Lewiston Tribune. Q: Will the valley Independence Day fireworks happen?A: YES! For 35 years, American Insurance has been a major sponsor of the Lewis-...

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Lobbies are now open at AMERICAN INSURANCE offices in Lewiston and Moscow. As an essential business, we have remained open to serve you by phone, email and online during the COVID stay-at-home period. But, honestly,we...

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We printed this Q&A column in the May 10, 2020 edition of The Lewiston Tribune. Q: What now? I’ve lost my health insurance! A: We can help! If you have lost your health insurance because of the COVID-19 Pandemic...

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As business owners reopen their businesses to the public, the question of COVID related liability has become a concern. The primary concern has been voiced for specific industries like large retailers, medical clinics,...

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Pandemic business closures, employee layoffs and “Stay-Home” orders have impacted medical insurance coverage for individuals and groups. Sometimes, the change in hours worked or employment status can lead to losing...

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4 ways business owners can reduce insurance premiums during the COVID-19 Pandemic American Insurance is dedicated to finding you answers and helping you maintain the business coverage you need at the lowest rates you...

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We printed this Q&A column in the April 10, 2020 edition of The Lewiston Tribune. Q: Can I get COVID-19 premium relief? A: Yes, American Insurance is dedicated to finding you answers and helping you maintain the...

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3 ways paying premium was made easier - Everyone has been impacted financially by the COVID-19 pandemic–some more than others. American Insurance is dedicated to finding you answers and helping you maintain the...

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UPDATE: Our lobbies are open again as of June 1. You can find out more about our office changes here in this new article. - Although face-to-face customer visits are restricted, our employees are on the job to serve...

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Answers to 4 common insurance questions Every business owner wants to know and is hoping that somehow their insurance coverages will provide some financial relief. Containment efforts of the Coronavirus Pandemic across...

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We printed this Q&A column in the March 10, 2020 edition of The Lewiston Tribune. Q: What is a BOP? A: If you own a business, small or large, you will want to get “BOP’d” by American Insurance. It doesn’t hurt and...

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We printed this Q&A column in the Feb. 10, 2020 edition of The Lewiston Tribune. Q: How can I cut insurance costs? A: AMERICAN INSURANCE has two ways you can save money on your auto and home insurance today! 1....

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Updated Feb. 5, 2020 The certified Health Agents at American Insurance are pleased to announce the news from Regence BlueShield of Idaho that they have reached a new multi-year agreement that ensures their members can...

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Most commercial insurance rates trended modestly higher in 2019 and increases are expected to accelerate some in 2020. Rate increases of up to 10% will not be uncommon even for well managed business exposures with low...

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We printed this Q&A column in the Jan. 10, 2020 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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Your Business Autos and how to comply with Idaho’s new insurance verification law. Perhaps this is the law of “unintended consequences” at work! Idaho’s new insurance verification law began Jan. 1, 2020 and has created...

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This Q&A column was published in the Dec. 10, 2019 edition of The Lewiston Tribune. Q: Will Idaho's new auto liability law affect me? - A: Maybe, so here’s what you need to know. - Even if you normally always...

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Changes to Washington’s child passenger restraint law (RCW 46.61.687) began on Jan. 1, 2020. - Car crashes are a leading killer of children ages 1-13. Using the right seat can reduce the risk of fatal injury by 71...

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THE RESULTS ARE IN & WE ARE CELEBRATING! - The total count comes to 5,304 lbs. which is supporting 3 local food banks. Our Hometown Business Food Drive Partners ROCK!!! - President Shawn Sullivan is shown with AJ...

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Sixty-six health plans and seven dental plans set to participate in market Washington Health Benefit Exchange Board has announced an average decrease in plans for certified 2020 Qualified Health Plans (QHPs) and...

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There's good news for seniors for their 2020 medical options and costs. Medicare continues to offer seniors and people with disabilities with flexibility and choices while providing high quality healthcare services....

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Deductibles for 2020 for Medicare plans are changing for Medicare Plans A and B. - Related: 2020 Medigap policy changesRelated: Medicare: What's the difference? Medicare 2020 Part A Deductible - For the year 2020,...

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Moscow agent, Jeremy Van Houten, has been awarded the Certified Insurance Counselor (CIC) designation by the National Alliance for Insurance Education & Research. To become a CIC, Jeremy completed 100 classroom...

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We are pleased to welcome back Jennifer (Jenni) Waters to American Insurance. For those who don’t know, Jenni worked as our Moscow Personal Lines Customer Service Agent (PL-CSA) from 2006 to 2015. Jenni rejoined us in...

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Regence BlueShield of Idaho and St. Joseph Regional Medical Center in Lewiston have not agreed to a new contact yet. Regence rejected proposed large rate increases for hospital services previously which led St. Joseph...

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Idaho Medicaid expansion may change eligibility for ACA Health Exchange in 2020 - The Idaho and Washington Health Exchanges are now open! Individuals, families, small employers, employees, dependents, college students -...

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Uninsured vehicle compliance begins January 1, 2020 Starting January 1, 2020, vehicle owners without auto insurance coverage for two consecutive months will receive a warning and be given 30 days to provide proof of...

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2020 ID Health Insurance rates released - Average increase of 6% for individual, 4% for small group coverage. - Final 2020 premium rates for individual and small group health insurance plans have been released by the...

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We printed this Q&A column in the Oct. 10, 2019 edition of The Lewiston Tribune. Q & A: When can I change my RX and Medicare plans? - The Medicare Annual Election Period is coming up from October 15th through...

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Small employers and their employees will be able to pay for individual ACA medical plans with pre-tax premiums through an expansion of Health Reimbursement Arrangements (HRAs). The new “Individual Coverage HRA” (ICHRA)...

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One significant change to Medicare Supplement (Medigap) plans beginning on January 1, 2020 is the withdrawal of two popular standardized plan options – Plans C and F. Starting January 1, 2020, Medigap plans sold to...

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Did you know about 1 million Americans go to the hospital with pneumonia every year? Pneumonia is a lung infection caused by pneumococcal disease, which can also cause blood infections and meningitis. The bacteria that...

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By now, our senior clients should have received their new Medicare card - with your new Medicare Number. When you’re enrolled in Medicare, you’ll get your red, white, and blue Medicare card in the mail. If you're...

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You should know about the latest fraud scheme involving genetic testing, according to the U.S. Department of Health and Human Services Office of Inspector General. Scammers are offering “free” genetic tests and claiming...

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We printed this Q&A column in the Sept. 10, 2019 edition of The Lewiston Tribune. Q: Should I buy Renters Insurance? A: Most definitely, yes! Renters or Tenants Insurance insures more than just your stuff and is a...

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We printed this Q&A column in the Aug. 10, 2019 edition of The Lewiston Tribune.Q: What is Classic Car Insurance? A: Classic cars aren't just antiques, they also include restored cars, street rods, low riders,...

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The U.S. Department of Health and Human Services (HHS) announced today that HHS and the U.S. Food and Drug Administration (FDA) are publishing a Safe Importation Action Plan that outlines two potential pathways that...

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Washington motorcycle drivers have a new state law related to their insurance starting on July 28, 2019. It might surprise you to know that prior to that date Washington state law did not require motorcycles to be...

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We printed this Q&A column in the July 10, 2019 edition of The Lewiston Tribune. Q: Why did my auto rates increase? A: Sometimes auto insurance rates change with no apparent explanation. The answer may have more to...

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We have made some recent changes to our Moscow office. New Office Hours: For your convenience, beginning on July 1, our Moscow office will open earlier at 8:00AM. We are now open 8AM to 5PM M-F and closed during lunch...

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Family traditions come in all shapes and sizes. Maybe an annual trip to a cabin or destination, an event you go back to annually, relatives you visit - it seems it is in our nature to commemorate important dates and...

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We printed this Q&A column in the June 10, 2019 edition of The Lewiston Tribune. Q: How can I donate to the fireworks show? A: This is the 34th year that AMERICAN INSURANCE is the major sponsor of the valley’s...

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We printed this Q&A column in the May 10, 2019 edition of The Lewiston Tribune. Q: Do I need to insure my ATV? - A: Generally, “YES”, for two reasons – it may be required by law and your exposure to liability is...

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Even though the number of employees age 55 and older has doubled since 2000, workers compensation claims have been declining. Why? That question led to some surprising answers in the National Council on Compensation...

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On March 18, 2019, Idaho Governor Brad Little signed legislation (H.B. 113) extending the time in which a claim for unpaid wages could be made to the Idaho Department of Labor, or in District Court. Idaho workers who...

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We printed this Q&A column in the April 10, 2019 edition of The Lewiston Tribune. Q: Is Identity Theft Growing? - A: Yes, unfortunately Identity Theft is one of the most common outcomes following business data...

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How I Locked Up My Computer Network - As published in our Spring 2019 newsletter I fell victim to a ransomware email scam in 2015 and want to share my story so you won’t make my mistake. Here’s how it happened to me......

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As published in our Spring 2019 newsletterWe were looking for someone who would be naturally helpful, friendly and courteous for customer service as well as organized, detailed and prompt with great computer skills. We...

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Idaho law has required mandatory auto liability insurance since 1988 by means of the owner’s signature of compliance when registering a vehicle. Despite that, about one out of every eight drivers do not carry auto...

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AMERICAN INSURANCE customers are invited to bring their sensitive personal and confidential documents for our free indoor shredding event. Guard against identity theft by keeping your sensitive documents out of the...

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We printed this Q&A column in the March 10, 2019 edition of The Lewiston Tribune. Q: Is Uninsured Motorist Auto Coverage Required? A: Idaho and Washington residents are required to purchase Uninsured Motorist (UM)...

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Employee Dishonesty – Review your controls & policies According to the U.S. Chamber of Commerce, employees steal an estimated $30 billion to $100 billion per year from their employers. From inventory theft, to check...

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We printed this Q&A column in the Feb. 10, 2019 edition of The Lewiston Tribune. Q:&A: When should I re-shop my auto insurance? A: We recommend re-quoting auto insurance about once every three years, even if...

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Fourth generation takes helm of family owned agency - Shawn D. Sullivan, CIC, is now serving as President of American Insurance effective Jan. 1, 2019. The announcement was made at the agency’s Dec. 14 annual staff...

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AMERICAN INSURANCE was chosen as the “Business of the Year for 2018” by the Lewis Clark Chamber of Commerce. “This recognition from the business community is an true honor. We strive to be a leader within our industry...

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We printed this Q&A column in the Jan. 10, 2019 edition of The Lewiston Tribune. Q: Can I buy medical insurance when Exchanges are closed? A: The answer is “NO” – unless you qualify for a Special Enrollment Period! ...

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More than 103,154 Idahoans enrolled in health insurance coverage for the 2019 plan year during open enrollment held from Nov. 1 through Dec. 15, 2018, through Your Health Idaho, the state’s health insurance marketplace....

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#1 EMBARRASSING MOMENT: 13 people in a party limo with loud music and champagne - what could go wrong? The Lewiston staff of American Insurance took a stretch-limo to our new Moscow office for our holiday party. (...

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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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Is one of your resolutions for the New Year to spend less money, or find ways to cut costs? American Insurance can help you do just that! Here are two ways you can save money on your auto and home insurance today. ...

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Idaho health exchange now closed; Washington is still open until Jan. 15. - Federal health exchange enrollment for 2018 coverage fell only 4.5 percent, according to the Centers for Medicare and Medicaid Services (CMS),...

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We printed this Q&A column in the Dec. 10, 2017 edition of The Lewiston Tribune. Q: Do I need more Life Insurance? A: The answer is probably “yes.” This is the question people ask during the holidays as we gather...

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When American Insurance organized the new “Hometown Business Food Drive,” we could not have foreseen these results. The response was overwhelming and the results are spectacular. “Our goal was to exceed last year’s...

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We printed this Q&A column in the Nov. 10, 2017 edition of The Lewiston Tribune. Q: Can I buy subsidized Medical Insurance now? A: Yes, ACA Health Exchanges are now open! Open Enrollment began on Nov. 1st and will...

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Individuals, small employers, employees, dependents, college students – anyone who relies on individual medical insurance coverage – must apply during open enrollment unless they are renewing existing coverage at a diff...

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Premium Subsidies Are Not Changed. To clarify, this information from recent news articles is NOT referring to the premium subsidies (tax credits) that lower the health insurance premiums paid by qualifying lower income...

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American Insurance is following the latest developments regarding the Affordable Care Act (ACA). At the publication of this article, enrollments and renewals of ACA Medical Plans will proceed as scheduled. You can count...

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Our new commercial message on KLEW-TV is promoting our “Marketplace Double Check” program. You can make just one call to American Insurance and receive quotes for up to 7 top insurance companies. Watch the video here...

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We invite you to partner with us to “fill the shelves” at Community Action Food Bank in Lewiston and the Moscow Food Bank this holiday season! We are hosting the second annual American Insurance Food Drive from Nov. 13-...

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When we talk about an insurance “umbrella”, we are referring to a Personal Umbrella Policy that provides an excess layer of liability insurance limit on top of your other personal insurance policies - auto, home,...

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There are two “open enrollment periods” that are critically important for individuals and seniors. These limited time periods are the only times that new ACA (Affordable Care Act) Medical plans can be purchased or...

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There’s good news for local businesses who offer small group medical coverage for their employees. The Idaho Department of Insurance has released the final 2018 premium rates for all small group health plans. Carriers...

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American Insurance health agents are certified to show all options to local clients. - Individual medical plan premiums through Your Health Idaho, the Idaho exchange, are going up in 2018. The Idaho Department of...

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American Insurance health agents can explain changes, show options for local clients. - The Washington Health Benefit Exchange Board has certified the Qualified Health Plans (QHPs) and Qualified Dental Plans (QDPs) to...

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We printed this Q&A column in today's edition (on Oct. 10, 2017) of The Lewiston Tribune. Q: Can I buy subsidized Medical Insurance now? A: As you may have heard, the Affordable Care Act (Obamacare), was not...

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New cards will no longer contain Social Security numbers, to combat fraud and illegal use. - Seniors and others who use Medicare benefits will have a new ID number soon. The Centers for Medicare & Medicaid Services (...

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Shawn Sullivan, CIC, American Insurance Agency Vice President, recently received recognition for professional leadership and advanced knowledge by the Society of Certified Insurance Counselors (CIC), a leading national...

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On August 31, 2017, Federal District Court Judge Amos Mazzant overturned the Fair Labor Standards Act (FLSA) Final Overtime Rule for so called "white collar exemptions" that would have doubled the annual salary level to...

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Idaho and Washington among states that see small decline this year. - Reversing a trend of sharply increasing motor vehicle deaths in 2015 and 2016, the first half of 2017 is down 1% from the corresponding period in...

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We printed this Q&A column in the Aug. 10, 2017, and Sept. 10, 2017 editions of The Lewiston Tribune. Q: How is my college student's stuff insured? - A: This is the phone call you don’t want to get from your college...

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Idaho Department of Insurance releases 2018 health insurance rates, proposed increases, and participation areas. - Proposed rate increases in 2018 for Your Health Idaho exchange plans range from a modest 6% for the Blue...

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Violations are now reported to your insurance company. - Washington state has defined its Distracted Driving law that just took effect on July 23, 2017. These changes include: No Hand-Held Cell Phone Use While Driving...

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We printed this Q&A column in the July 10, 2017 edition of The Lewiston Tribune Q: When I rent a car, do I need to buy “Collision Damage Waiver”? A: Your Personal Auto Policy (PAP) extends auto liability, uninsured /...

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Several new Idaho traffic laws took effect on July 1 that could impact driving habits or citations in our local area. In an effort to clarify vehicle speed limits and safe passing rules in Idaho, the 2017 Idaho...

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For 32 years AMERICAN INSURANCE has been a major financial sponsor of the Lewis-Clark valley’s Independence Day Fireworks Celebration on July 4th. John Sullivan, agency President, is involved in every aspect of the...

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In honor of Independence Day, the Sullivans invite you to celebrate your independence with us - by taking the AMERICAN CHALLENGE! Quote your preferred Auto Insurance Quote or a Home Insurance Quote and get a $10 lunch...

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When you have billing questions, need to add or remove autos or drivers, make coverage changes, quotes, report claims or any service need, now you can reach your Customer Service Agent through her direct phone number. ...

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A home-based business may void all coverage on your garage/shop.If you have a “home-based” business - even if part-time - at your home residence premises, there are serious insurance coverage issues that need to be...

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If you celebrate Independence Day with your own fireworks show, you will be personally liable if anything goes wrong. So, here is some information about how to cover your liability plus safety tips to keep your show...

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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 2017. The Sullivans & staff are very proud to be chosen and always strive to be worthy of your...

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Our company logo was launched in 1990. The triangular shape contains our American colors of red (on the left), white (silhouette of the Statue of Liberty in the center) and blue (on the right). The Statue of Liberty was...

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We printed this Q&A column in the June 10, 2017 edition of The Lewiston Tribune. Q. Before I buy a new home, how can I find out if it had any serious claims? - A. Before you buy a home a little detective work can...

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We printed this Q&A column in the May 10, 2017 edition of The Lewiston Tribune. Q: Do I need to insure my ATV? - A: Generally, “YES”, for two reasons – it may be required by law and your exposure to liability is...

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ATVs and other off-highway vehicles (OHVs) are fast and fun to ride! But summer fun, too often, turns to tragedy when an ATV overturns leading to injury or death of riders or guests. Plus, if your ATV exhaust causes a...

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Medicare Supplement insurance (aka Medigap Plans) will be made available in Idaho to Medicare-eligible individuals under age 65 with disabilities or end-stage renal disease beginning January 1, 2018. This change is...

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Sunny weather is coming! Boating on the Snake River. Camping up the middle fork of the Clearwater River. Four wheeling on the prairie. Fishing on the Clearwater. Cruisin’ the open road on U.S. 12. Before you go, get the...

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The Final Market Stabilization rule to help lower premiums and stabilize individual and small group health insurance markets, and to increase choices for Americans was issued by The Centers for Medicare & Medicaid...

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National Dog Bite Prevention Week® (April 9-15, 2017), is an annual event designed to provide consumers with information on how to be responsible pet owners while increasing awareness of a serious public health issue....

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Dog bites and other dog-related injuries accounted for more than one-third of all homeowners liability claim dollars paid out in 2016, costing in excess of $600 million, according to the Insurance Information Institute (...

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We published this column in the April 10, 2017 edition of The Lewiston Tribune. Q: Identity theft - What can I do to protect myself? - A: “Identity theft” has matured into an international organized crime industry. All...

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As published in the Spring 2017 newsletterAfter the harshest winter in recent memory, your windshield is under attack! The snow is now gone but the gravel remains on our roadways. Odds are, there is a rock with your...

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As published in the Spring 2017 newsletter AMERICAN INSURANCE is celebrating 95 years in business during 2017. Our history has become an inseparable part of the communities we serve and covers four generations of...

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American Insurance Personal Lines staff Lori Chapman, Tina Heitmann, Helen Duman and Shelly Abel are shown with their Grange Insurance Association personal awards received today for outstanding service and dedication to...

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We printed this Q&A column in the March 10, 2017 edition of The Lewiston Tribune. Q: When should I re-shop my auto insurance? - A: Right now many companies are taking large increases in their auto insurance rates. A...

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We printed this Q&A column in the Feb. 10, 2017 edition of The Lewiston Tribune. Q: How can I get the lowest rates on business insurance? - A: Business Insurance rates vary dramatically from company to company. That’...

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Two staff members received promotions at American Insurance on Jan. 1. Heather Browning, a Certified Insurance Service Representative (CISR), has been promoted to Commercial Lines Department Manager and agent Jeremy...

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We printed this Q&A column in the Jan. 10, 2017 edition of The Lewiston Tribune. Q: Is life insurance expensive? - A: The fact is, term life insurance is very affordable and inexpensive, but sadly most people don’t...

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Idaho has had more than its share of snow this winter, and the next big weather event may very well be flooding from rapid snow melt or rising water. The Idaho Department of Insurance reminds consumers that water damage...

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Locator will help consumers find lost life insurance policies, annuities. The Idaho Department of Insurance and the National Association of Insurance Commissioners (NAIC) recently announced a national service that...

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Life has a habit of getting very busy – from raising a family, to buying a home, to building a business or a career. We can procrastinate taking care of a fundamental insurance coverage that protects our dreams for the...

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Jan. 1 is the deadliest day on average for alcohol-related crashes involving a motor vehicle, pedestrian or bicyclist, a new Insurance Institute for Highway Safety analysis shows. New Year's evokes visions of...

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Around 6.4 million consumers across the country have signed up for health insurance plans through the Affordable Care Act, an increase of 400,000 plan selected from last year. More than 98,000 Idahoans have selected a...

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A working smoke alarm can save a life. In the 24-hour period from Dec. 19-20, the Idaho State Fire Marshal was called on to investigate three home fires. None of the homes had working smoke alarms. One fire resulted in...

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AMERICAN INSURANCE staff and management celebrated our annual employee meeting and awards ceremony on December 16, 2016. President John Sullivan talked about upcoming changes in 2017 in the insurance industry and how...

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You helped our Agents and employees at AMERICAN INSURANCE collect 708 lbs. of donations during our Food Drive last week to support the Community Action Partnership (CAP) Food Bank! Steven Small (left), with the Lewiston...

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We printed this Q&A column in the Dec. 10, 2017 edition of The Lewiston Tribune. Q: What is the status of Obamacare? - A: It may take as long as three years for the Trump / Republican repeal of the Affordable Care...

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What? Is there a down side to personal service? At AMERICAN INSURANCE we are proud of providing "personal service." That means we assign our customers to a specific Customer Service Agent who knows your name, knows...

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Food Drive set for Dec. 12-16 in both offices.We invite you to help us "fill the shelves" at Community Action Food Banks in Lewiston and Moscow this holiday season! Our staff is having a contest to see who can collect...

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First, we wish you a very Merry Christmas and Happy New Year! Looking ahead, 2017 is shaping up as a year of change. Americans voted for political change and there are other changes coming that effect you and the...

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We printed this Q&A column in the Nov. 10, 2017 edition of The Lewiston Tribune. Q: When can I buy individual medical insurance? - A: You can only buy or change your individual medical insurance plan during “Open...

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We might think that our local individual health insurance premium increases are hard to swallow, but things could always be worse. In an article published in the Wall Street Journal, many states have premium increases...

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Major changes in medical premiums and provider networks are coming in 2017. Open enrollment began Nov. 1 in the Idaho and Washington Health Exchange Marketplaces. Anyone who needs or is covered under an Individual...

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Cool, crisp fall days are a wonderful time in the Lewiston-Clarkston valley and on the Palouse -- if your home is ready for them. Yes, this is the time of year to fix small problems before they become big, and big ones...

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If you are on Medicare, you should have received your Medicare & You 2017 booklet that outlines changes and answers questions you may have about coverage options. One update is the Quality Payment Program to work...

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AMERICAN INSURANCE reminds area seniors to take note of the Medicare Open Enrollment Period from Oct. 15 to Dec. 7. This is when everyone who has Medicare – not only seniors – can change to different Medicare Advantage...

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Days are numbered for “grandmothered” small group medical plans. The so-called “grandmothered” medical plans are those small groups purchased from March 23, 2010 to Oct. 1, 2013 that are not yet ACA (Affordable Care Act)...

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The Idaho Department of Insurance is alerting Idaho residents about a possible scam by a company using deceptive practices to market health insurance in Idaho. Your Health Idaho, Idaho’s health insurance exchange, has...

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Premera Blue Cross has launched a new, easy-to-use bill payment portal for their members. Customers who currently pay their bills online will receive an email notifying them of the new portal and the action they should...

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This Independence Day we celebrate our nation’s 240th birthday! “Independence” is that strong human drive for freedom in our personal, political and business lives. It has given America an advantage over competing...

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Local agents with AMERICAN INSURANCE in Lewiston can help area business owners find qualified individual health insurance coverage for your employees, their spouses and dependents to meet health care mandates. “We...

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There are three things you can do this Holiday Season to be a survivor when driving. Here's why extra caution is necessary this year... The 2015 traffic fatality estimate for the US is up a shocking 8.1 percent higher...

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AMERICAN INSURANCE in Lewiston has Exchange certified health agents who provide no cost help to find you the best health care plan during the Medical Open Enrollment period. “We are doing our best to shop all plans in...

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The ACA individual mandate tax penalty for no health coverage is much larger for 2016. If you can afford health insurance but choose not to buy it in 2016, you must pay a fee or have a health coverage exemption. The...

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Half of all teens will be involved in an automotive crash and motor vehicle crashes are the leading cause of death for 14- to 18-year-olds, according to the National Safety Council. Even though driving is the biggest...

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HOW SMART ARE YOU ABOUT MEDICARE? TAKE THIS MEDICARE QUIZ AND FIND OUT! President Lyndon B. Johnson signed the Medicare program into law in 1965. For more than 50 years, Medicare has provided essential medical benefits...

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Auto injury claim costs per insured vehicle have continued to increase across the United States according to a new study from the Insurance Research Council (IRC). Long-term reductions in highway injuries and fatalities...

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BOISE – Idaho Gov. C.L. “Butch” Otter has signed a proclamation declaring this as Fire Prevention Week. The Idaho State Fire Marshal’s key message for the event is to encourage smoke alarm installation in every bedroom,...

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A new drug provides a novel approach to treating patients with influenza and will advance in development with funding from the U.S. Department of Health and Human Services' Office of the Assistant Secretary for...

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Your odds of hitting a deer, an elk or a moose are twice as high during the 4th quarter months of October, November and December as in the other nine months of the year. U.S. drivers are just as likely to have a claim...

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If you want to pay the lowest auto insurance rates in the USA you'd better move to good ole Idaho! Yes, Idaho has the lowest auto insurance rates in the nation according to the National Association of Insurance...

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Philip Sullivan, Insurance Agent and Personal Lines Manager at AMERICAN INSURANCE, fell in love with his first car, a 1965 Ford Mustang Fastback. Through his access to and abilities with the car, he spent his teenage...

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LEWISTON - Aug. 18, 2015 - A spike in traffic deaths brings a caution warning from AMERICAN INSURANCE to all drivers as they prepare for the Labor Day weekend. Traffic deaths in the U.S. have increased every month for...

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Lewis-Clark State College will no longer offer a Student Health Insurance Program (or SHIP) this fall, due to a change by the Idaho State Board of Education. Other regional schools that also have no SHIP include:...

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We can all use some help managing stress in our lives. Here are 7 very practical, free and easy tips for managing daily anxieties from Business Psychology Associates (BPA). THE BINGE & PURGE PROBLEM: Do you...

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For our 30th year, AMERICAN INSURANCE invites you to join us in Adams Field at Clarkston High School for the Independence Day Fireworks Celebration. You are invited to Adam's Field at Clarkston High School. There is no...

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The latest legal attack on the Patient Protection and Affordable Care Act (PPACA) has been decided by the Supreme Court of the United States. In KING v. BURWELL, plantiff's argued that the plain language in PPACA says...

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A study of 2013 statistics shows 4,585 workers were killed on the job in the United States, and an estimated 50,000 died from occupational diseases, resulting in a loss of 150 workers each day from hazardous working...

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Regence BlueShield of Idaho announced additional new preventative care benefits are now included on all ACA compliant group insurance policies. Regardless of the renewal date of a Regence group insurance policy the...

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The Student Health Insurance Program (SHIP) is being withdrawn from four Idaho universities beginning July 31, 2015. Students at Lewis-Clark State College, Boise State University, Idaho State University and Eastern...

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About 65 percent of on-the-job deaths of truck drivers in 2012 were the result of a motor vehicle crash. More than a third of the drivers who died were not wearing a seat belt. This troubling fact has the National...

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Bedeviled by sagging bank accounts and burdensome mortgages, some cash-strapped building owners try to burn their way out of debt. Lighting up spilled gasoline or interior gas lines seems like an easy gambit. One flick...

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From April 10 to 15, 2015, law enforcement personnel will be using a combination of traditional and innovative strategies to crack down on motorists who text while driving. This effort is a part of the national U Drive....

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Some Blue Cross policyholders in Idaho and Washington states are among the 91 million people who had their personal information compromised in a cyber-attack. Anthem Blue Cross Blue Shield and Premera Blue Cross have...

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Can we keep drunk drivers off the road? Must they kill someone with their car after being arrested 10, 20 even 30 plus times for driving drunk before we find the answer. The answer may be a technology that has been...

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Your income taxes were filed early electronically by hackers looking to steal your tax refund. - Can't happen to you? It happened to a close friend of mine, an Idaho resident, who received the IRS 5071C letter informing...

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If you were Jennifer Lopez, which body part would you insure? Tough choice! How about Taylor Swift, Bette Davis, Bruce Springsteen, Daniel Craig, or Dolly Parton? Find out which body parts your favorite celebrities...

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How to complete IRS forms 1095-C and 1094-C. Two new IRS forms will be required of large employers for the 2015 calendar year due in early 2016 - IRS forms 1095-C and 1094-C. Large employers will want to familiarize...

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Nationwide, nearly 11.7 million consumers selected or were automatically re-enrolled in quality, affordable health insurance coverage through the Health Insurance Marketplace as of Feb. 22, according to a report...

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The U.S. Department of Justice has charged three men in connection to the largest data breach ever, which exposed 1 billion e-mail records from more than 100 different businesses from 2009 to 2012, according to a March...

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The Supreme Court will decide if millions of Americans will lose their premium subsidies if they signed up under the Federal Exchange HealthCare.gov. Fortunately, Idaho and Washington residents will not be effected by...

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What should you do during extreme weather events? Tornadoes and hurricanes, lightening, earthquakes, floodwaters, extreme cold - PropertyCasualty360 says, "Misconceptions about the weather can prove to be dangerous or...

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The cost of homeowners insurance claims has been increasing at twice the rate of inflation. This is according to a new report from the Insurance Research Council (IRC). Despite significant declines in recent years, the...

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Improved vehicle designs bring down death rates (IIHS). The chances of dying in a crash in a late-model vehicle have fallen by more than a third in three years, the latest Insurance Institute for Highway Safety (IIHS)...

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Since 2010, 9.4 million people with Medicare have saved over $15 billion on prescription drugs according to new information released by the Department of Health and Human Services (HHS). The report showed that millions...

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The Washington Health Benefit Exchange, a state-based health marketplace, announced a spring "Special Enrollment Opportunity" for Washington residents who want to avoid tax penalty for 2015. Nearly 160,000 Washington...

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For the first time, American tax filers are facing the ACA individual mandate penalty for 2014. If you didn't have health coverage for all or part of 2014, you have to either qualify for a health coverage exemption or...

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Goals and a timeline are being set to move the Medicare program, and the health care system at large, toward paying providers based on the quality, rather than the quantity of care they give patients. This historic...

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Bashore Insurance Transfers Grange Policies to American Insurance Bashore Insurance Agency of Clarkston has announced that American Insurance of Lewiston and Moscow has been selected as service agents for Grange...

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Featured articles include: Great Service Means...?; Welcome Bashore Policyholders; Meet the "A-Team" - the Personal Lines Service Team; Reviews - make one or read our latest Customer Service comments; Open Enrollment -...

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New choices and more competition in the Health Insurance Marketplace are giving consumers affordable options during Open Enrollment this year, and the majority of returning consumers who shop can save money on premiums,...

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A new initiative will change the way your doctor and health care providers delivery their services to you. Health and Human Services Secretary Sylvia M. Burwell announced an initiative that will fund successful...

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Safeco Insurance introduced an innovative Wildfire Defense Program to help protect policyholder properties threatened by active wildfires. A recent fire in Washington state, called the Carlton Complex fire, and another...

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If you are currently enrolled in a health care plan through Washington Healthplanfinder, you will need to renew your coverage for next year. Customers who signed up for a Qualified Health Plan last year will be eligible...

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A report released by the Department of Health and Human Services projects that hospitals will save $5.7 billion this year in uncompensated care costs because of the Affordable Care Act (ACA). States that have expanded...

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Up to 8% of the 164,000 Health Exchange customers of the Washington HealthPlanFinder experienced on-going billing and administrative problems. This caused some Washington residents to go without insurance, lose their...

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The Idaho Health Exchange, Your Health Idaho, is preparing to launch its own state exchange software platform prior to the 2015 Open Enrollment which begins on November 15, 2014. Last year, Idaho was a Federally...

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ProgramBusiness.com reports that the state of Oregon filed a lawsuit Friday against Oracle Corp. and several of its executives over the technology company's role in creating the troubled website for the state's online...

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Large U.S. employers expect a significant increase in 2015 health care costs. If no adjustments are made employers project a 5.2% growth rate, putting absolute cost per person for health care benefits at an all-time...

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Lack of sleep can wreak havoc with your day-to-day life, causing fatigue and irritability. There are a variety of factors that can contribute to poor sleep, but that doesn't mean you're doomed to toss and turn. What...

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How many drivers are uninsured? Across the United States, the estimated percentage of uninsured motorists trended down in 2010, 2011 and 2012, according to new estimates from the Insurance Research Council (IRC). In...

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Five small cars, all 2014 models, earn an acceptable rating in crash tests by the Insurance Institute For Highway Safety. Two earn marginal and four earn poor ratings for occupant protection in a small overlap crash in...

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A US appeals court ruled against Obamacare subsidies for policies issued through the Federal Health Exchanges. In the case, Halbig v. Sebelius, 14-5018, the U.S. Court of Appeals for the District of Columbia ruled that...

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Idaho is one of 16 states now listed with the highest risk for earthquakes. Is your state on the list? The newly updated national seismic hazards maps from the US Geological Survey (USGS) show an increased earthquake...

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For the third year in a row, AMERICAN INSURANCE, in Lewiston and Moscow, was voted "Best of the West" Insurance Agency for 2014 in a KLEW TV online survey of local resident's preferences. The Sullivans and staff are...

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Just when you thought you had figured out how to drive in the Roundabout, something new pops up - PEDESTRIANS! With summer weather comes an increase in pedestrian traffic needing to cross the street at the roundabout....

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Net losses and loss adjustment expenses (LLAE) surged upward in the first quarter of 2014 as compared to the same time period in 2013. Private U.S. property/casualty insurers' net income after taxes, as a group, fell to...

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Which models of sport utility vehicles (SUVs) and crossover utility vehicles (CUVs) were top theft targets? The National Insurance Crime Bureau (NICB) released a new report that examines thefts of SUVs and CUVs reported...

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"I want to die peacefully in my sleep like my grandfather did, not kicking and screaming like the passengers in his car." No one wants this old joke to become a tragic reality. Is it time to ask your aging parent to...

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Motor vehicle crashes in the US had an $871 billion economic and societal impact, according to a new study by the US Department of Transportation's National Highway Traffic Safety Administration (NHTSA). The study,...

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The Centers for Medicare and Medicaid recently announced a new Special Enrollment Period for individuals and families that are currently enrolled in COBRA continuation coverage, known as the federal Consolidated Omnibus...

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American Insurance of Lewiston and Moscow is one of only 200 independent insurance agencies in the USA that has earned the President's Award from Safeco Insurance® for outstanding performance. The President's Award...

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When "Open Enrollment" is closed, individuals seeking medical insurance can only do so if they have a "Qualifying Life Event" which opens a "Special Enrollment Period" (SEP). If you qualify for a SEP then you can apply...

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Keeping your current non-grandfathered individual or small group medical plan (also referred to as "grandmothered" plans) has been extended for policies with annual renewals on or before October 1, 2016. This provides...

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Nearly all of us know someone that is touched by the ravages of Alzheimer's Disease. You may find some comfort to know that there is a National Plan to Address Alzheimer's Disease with a 2014 update released by the US...

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"Idaho's success in enrolling consumers during the 2014 enrollment period is due, in no small part, to the many Idaho insurance agents and brokers who provided invaluable assistance to Idaho citizens," said William (...

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Two entities have paid the U.S. Department of Health and Human Services Office for Civil Rights (OCR) $1,975,220 collectively to resolve potential violations of the Health Insurance Portability and Accountability Act (...

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Is hands-free cell phone use safer when driving than hand-held? That's the question the National Safety Council asked in a public opinion poil. The new findings indicate 80 percent of drivers across America incorrectly...

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"Be Healthy From the Start" is the main theme for National Public Health Week, April 6 - 12. HHS credits the Affordable Care Act's establishment of preventative services and the new National Prevention Council with...

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An extended "Special Enrollment Period" was announced by The White House to allow more time to finish health insurance enrollments with glitches or other special circumstances. The Health Exchange Marketplace was...

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What happens when the Health Exchange Marketplace "Open Enrollment Period" closes on March 31st? This is the next question as American's struggle to understand and comply with the massive, complicated and ever changing...

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The "keep your current health insurance plan" promise by President Obama is being extended even further. The Obama administration announced that Americans can keep their health plans that are non-compliant with the...

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Insured losses top $1.5 billion so far. Near-record snowfall and prolonged extreme cold throughout many parts of the United States, have resulted in insured losses from winter storms of more than $1.5 billion thus far,...

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Feature articles include: ACA/ObamaCare Deadline Extended ACA/Health Exchange - Who Needs a Quotation Roudabout Honks - New Traffic Access A Legacy to Remember Referral Awards Grand Prize - Winner Announced Welcome...

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Can I keep my plan? It depends says the Regence Group which does business in Idaho, Washington, Oregon and Utah. - Fall 2013 promised to be a dynamic time in the rollout of the Affordable Care Act, with the launch of...

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Political passions run high over the looming January 1, 2014 deadline of the "Individual Mandate" and other provisions of The Affordable Care Act (ACA). To add fuel to the fire, the ACA Health Exchange Marketplace...

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No major hurricanes formed in the Atlantic basin for the first time since 1994 and the fewest number of hurricanes since 1982, according to National Oceanic and Atmospheric Administration (NOAA). This was welcomed...

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"Pick any other industry, and the injury rate is less," explained Scott Harris, Ph.D., MSPH, who added that healthcare worker injury rates are only less than outdoor wilderness professions such as commercial loggers and...

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I've been having a recurring dream...a nightmare really. I find myself driving to work, north on Snake River Ave. I pass KOZE Radio and find myself becoming anxious but don't know why. As I pass under the Southway...

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The Health Exchange Marketplace opened on October 1st and has experienced serious technical problems ever since. In the meantime, the Individual Mandate of the Affordable Care Act (ACA) still takes effect in 2014....

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The Idaho and Washington State Health Exchanges including their navigators (online and phone assistants) will not explain or recommend any insurance plans offered in the exchanges. They feel that experienced and...

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The new Health Insurance Exchange Marketplace isn't just for the uninsured! Almost everyone needs to take a serious look at their own state's Health Exchange Marketplace before January 1, 2014. Here's who should obtain...

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The traffic plan for the south end of Prospect Avenue was always dependent on the Roundabout construction plan. So the closing of Prospect's access to Southway and Snake River Ave was a fate sealed long ago....

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Have you got it figured out? It turns out that Roundabouts have special driving rules. So, here are three tips you should know to drive safely in a modified multi-lane roundabout now open at the intersection of...

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The outline of Lewiston's first roundabout is taking shape. Curb and gutter now fully border the intersection at Southway and Snake River Ave. Concrete lanes fill half the future roundabout circle and preparations to...

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The Obama administration claims that consumers saved $3.9 billion on their premiums in 2012 due to implementation of the Affordable Care Act (ACA). The Department of Health and Human Services (HHS) announced that...

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American Insurance is featuring a new "Best of the West" ad on KLEW-TV (CBS cable channel 3 and HD channel 460) during the 6pm News, 11pm News and 6:30am Re-broadcast. Click and watch now and tell us what you think? Do...

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Insurance claims resulting from hailstorm damage increased 84 percent in 2012 from their 2010 level according to a National Insurance Crime Bureau (NICB) report. See top 5 states for hail damage below. In 2010, there...

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AMERICAN INSURANCE, in Lewiston and Moscow, was voted "Best of the West" for 2013 in a KLEW TV online survey of local resident's preferences. The Sullivans and staff are proud to be chosen and always strive to be worthy...

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Summer Newsletter Featured Articles Include - VALLEY FIREWORKS SHOW - schedule of events THE RAT & THE WIND - WWII Story: B-17 shot down, Sully a POW DOWN UNDER - A trip to the Australian outback HEALTH AGENTS PLAY...

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The penalties imposed by the Affordable Care Act (ACA) on large employers (50+ employees) has been delayed one year in an announcement by the Treasury Department for the Obama Administration. In the announcement by Mark...

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Insuring risk is risky business! As the insurance industry adjusts to a new environment of low asset returns and stricter regulation, insurers have few illusions about the challenges ahead. In an increasingly...

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Intersection closure this weekend. The roundabout construction project at Southway / Snake River Ave intersection is having the second and last scheduled closing this weekend. We will keep you informed on construction...

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New data shows significant variation across the country and within communities in what hospitals charge for common inpatient services. Also, HHS made approximately $87 million available to states to enhance their rate...

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Republicans renew call to repeal the entire healthcare law while the Obama administration is providing $150 million for health centers to offer Affordable Health Care (AHC) enrollment assistance nationwide. House of...

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Now a new series of shorter and easier applications have been released by CMS. Stinging from criticism that the new Health Care applications were too long and too complicated, the Obama administration went back to the...

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Agents and brokers will play a critical role in helping consumers access health insurance coverage through Affordable Insurance Exchanges or Health Insurance Marketplaces, according to an announcement today by The...

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Test your knowledge on key items from The Patient Protection and Affordable Care Act (PPACA). The health reform law promises to deliver big changes in the U.S. health care system. But, as with other sweeping pieces of...

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Confused about how the new health reform law really works? Get answers in just 9 minutes by watching this animated movie from The Henry J Kaiser Family Foundation. Click Health Reform Hits Main Street, featuring the "...

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From small business delivery to large transportation fleets, distracted driving issues are a major liability to employers. Due to high profile crashes, large jury verdicts against employers, and a changing regulatory...

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Nope – not texting or distracted driving. Day or night, the leading cause of auto accidents is...driving while tired, according to a study conducted by the Virginia Tech Transportation Institute. The 100-car...

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Is your janitor, maintenance worker, or sub-contractor really an independent contractor? Business owners are tempted to classify some workers as "independent contractors" to avoid payroll taxes, benefits and workers...

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A free replay of the webinar "Health Care Reform: Strategies to Help Control Costs, Mitigate Risk, & Decrease Penalties," has been made available by ADP ®, a leading provider of employer health care benefits...

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The Small Business Health Options Program (SHOP) included in the Patient Protection and Affordable Care Act (PPAC) was to begin in every state by January 1, 2014 but is being delayed one year. Health and Human Services (...

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Following two of the worst years of natural catastrophic events in the history in the United States, overall customer satisfaction with the property claims experience remains high, according to the J.D. Power and...

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The federal government will pay 100 percent of the cost of certain newly eligible adult Medicaid beneficiaries effective January 1, 2014. The final rule was announced today by Health and Human Services (HHS) Secretary...

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Health claim costs per member, per month for non-group individual health insurance plans will increase 32% under the Affordable Care Act (ACA) is a key finding in the Society of Actuaries study release in March 2013....

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Over the last 10 years the public acceptance of insurance fraud behavior has decreased from 33 percent in 2002 to 24 percent in 2012 according to the Insurance Research Council (IRC). Still that is nearly 1 in 4...

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The US Auto Insurance industry will post a statutory underwriting loss in private passenger auto for the fifth consecutive year in 2012, according to a report by Fitch Ratings. Spurred by several years of weaker segment...

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Idaho Governor C.L. "Butch" Otter needs citizen support in his battle for a state-based Health Exchange. After winning a hard fought battle in the Idaho House on Wednesday, the legislation now goes again to the Idaho...

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Premiums for insurance is expected to continue a modest rise in 2013. By John B Sullivan, CIC President, AMERICAN INSURANCE Like our political climate "more of the same" is expected. Loss experience improved over 2011's...

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A final rule that implements five key consumer protections from the Affordable Care Act were issued by the U.S. Department of Health and Human Services (HHS). "Because of the Affordable Care Act, being denied...

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Final rules for "essential" health benefits were announced by the Department of Health and Human Services (HHS). The rule outlines health insurance issuer standards for a core package of benefits, called essential...

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There was a sharp 26.7% overall rise in "questionable claims" (QC) in 2012 reported to the National Insurance Crime Bureau (NICB). QCs went from 91,797 in 2010 to 116,268 in 2012-a new record. In 2011, the total was 100,...

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Idaho Governor Butch Otter's top five reasons for creating a state-based health insurance exchange are listed below. He strongly supports an Idaho Health Insurance Exchange and is asking Idahoans to sign his petition to...

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Only 11 of the 50 US states have moved to implement new consumer safeguards under President Barack Obama's healthcare law according to this Reuters report posted today by Insurance Journal. Read more...

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Governor Butch Otter is appealing to all Idahoans for help passing legislation for a state based health insurance exchange. Facing opposition from far-right legislators Otter has taken the cause direct to his citizens...

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Idaho will regulate the insurance sold on all portable electronics in the State beginning July 1, 2013. Consumers will then have redress of complaints through the Idaho Department of Insurance. Title 41, 1081-1089, on...

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Three more states are on track to implement the health care law and establish health insurance marketplaces, or Exchanges, in their states. Health and Human Services (HHS) issued the first conditional approval of a...

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Only 15 U.S. states so far plan to operate health insurance exchanges under President Barack Obama's reform law, leaving Washington with the daunting prospect of creating and operating the new online marketplaces in at...

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Governor C.L. "Butch" Otter announced today that Idaho is opting for a state-based health insurance exchange under the terms of Obamacare, subject to legislative approval. In his news release today Governor Otter said, "...

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Featured articles include: Health Care Reform - A Closer Look - The things you didn't know about the Affordable Care Act How Smart Phones Make Smarter Claims Savings Tip - How to find the missing 15% Discount on auto &...

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It appears that the Patient Protection and Affordable Care Act (PPACA) is here to stay. It survived the constitutional challenge in the US Supreme Court and the electoral challenge with the re-election of President...

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The Obama administration moved forward to implement provisions in the health care law that would make it illegal for insurance companies to discriminate against people with pre-existing conditions beginning January 1,...

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The cost of homeowners insurance claims has been rising rapidly! The combined effects of rising claim severity and increases in claim frequency were found in the study released by the Insurance Research Council (IRC) on...

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Since 1922 (when we were insuring Model-T Fords) up to the present day, we have historic pictures, articles, and advertisements to share with you. Learn about the "who", the "why" and the "events" that shaped our...

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The Sullivans - John, Shawn, Philip & the entire staff invite you to our 90th Anniversary Open House & Customer Appreciation on Friday, September 21st! For details please read below:

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If you have sold or are selling your home this year you may be able to exclude all or part of that gain from your income. Check out these ten tax tips from CPAs, Su Brown and Associates, PLLC.

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Renting a dorm room, an apartment or a rental house may be your first experience with being out on your own. After a fire or a theft, there are some common misconceptions about who is responsible for your premises and...

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By Mike Everett, agent I've had a love affair with vintage cars for most of my adult life. It grew out of necessity (fixing my cars) and turned into a hobby by my thirties. Cars, trucks - anything old - is gratifying to...

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What's changed and what's not under Health Care Reform? In light of the recent ruling by the U.S. Supreme Court and the complex nature of the Patient Protection and Affordable Care Act (PPACA), the Independent Insurance...

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Basic premiums for Medicare prescription drug plans, on average, are projected to remain constant in 2013, Health and Human Services Secretary (HHS) Kathleen Sebelius announced today. The average 2013 monthly premium...

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Now through August 13th Idaho law enforcement is targeting aggressive drivers and motorcycle riders on Idaho's roads. Speeding, failure to yield, following too close and disregarding traffic signals are all aggressive...

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The rumble of thunder, the crack of lightening, the rush of windstorm, the clatter of hail stones - thunderstorms can bring devastation to your property and your autos in a flash. How does your own insurance respond to...

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Women are getting access to eight new prevention-related health care services free beginning Aug. 1, 2012 announced Health and Human Services (HHS) Secretary Kathleen Sebelius. The new rules in the health care law...

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Idaho is playing "catch-up" with Health Care Reform. The first meeting of the Idaho work group studying formation of a state operated Health Insurance Exchange was announced by Idaho Department of Insurance Director...

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At least 28 people were killed following a prolonged stretch of severe weather in central and eastern U.S. states, which included a violent derecho - a fast-moving, long-lived cluster of intense thunderstorms - that...

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An alarming spike in traffic fatalities is being studied by the National Highway Traffic Safety Administration. A statistical projection shows a 13.5 percent increase in traffic fatalities for the first quarter of 2012....

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The first Medical Loss Ratio rebate checks were mailed to small groups insured by Regence BlueShield of Idaho on July 16th. This is a rebate on their 2011 premium under the Affordable Care Act's requirement based on...

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Dog bite claims continue to grow in numbers and cost which increases premiums for all Homeowners Insurance. In fact, from 2003 to 2011, the cost of the average dog bite claim increased by 53.4 percent. Dog bites...

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What is causing new E&O claims for realtors? Eric Myers, President of Victor O Schinnerer & Company, one of the largest and most experienced underwriting managers of professional liability and specialty...

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Feature articles include: "Best of the West" Like us on Facebook Boating is a Blast - with Dave Root 27 Year Sponsor - Independence Day Fireworks A Love of the Classics - with Mike Everett Philip Sullivan - New...

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AMERICAN INSURANCE, Lewiston and Moscow, were voted “Best of the West” Insurance Agency for 2012. We are very proud to be chosen by popular vote and always strive to be worthy of our customers' continued trust. Our “...

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Facebook is personal. And what could be more personal than protecting all the things you value most - your home, autos and personal items; your health and your life; lliability protection for your earning power, savings...

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More than 13.5 million Americans are now covered by Health Savings Account (HSA)-eligible insurance plans, a more than 18 percent increase since last year, according to a new census released by America's Health...

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Three different physician events saw national doctor groups calling for less medical care. In a bold and unprecedented announcement, they say doctors need to use clinical evidence to make care decisions. This can help...

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The number of data breaches involving smaller businesses continues to grow, but a new survey by The Hartford finds that 85 percent of small business owners believe a data breach is unlikely, and many are not...

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Business owners need to brace themselves for modest insurance premium increases in 2012. Faced with high catastrophe claims from 2011 and low investment returns Property-Casualty insurance companies have no choice but...

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Skyrocketing costs for opioid pain management and abuse is damaging the health care and workers compensation systems. Dan Reynolds, managing editor of Risk & Insurance writes "An intense national focus on the...

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Record 2011 losses are driving insurance price increases in 2012. As predicted in Market Forecast 2012, the insurance industry has been raising prices this year on Homeowners and commercial property risks, other...

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Which personal property items were the top insurance claims in 2011? Jewelry losses were the big ticket items in value and volume for property insurance claims made in 2011 according to Enservio's annual Contents Claims...

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Idaho and Montana ranked among the worst states with the highest ratios of injury deaths while Washington state was ranked among the best. A new report ranks each state by their injury rates per 100,000 people and...

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The newly formed Health Care Cost Institute (HCCI) compared data from 2009 to 2010 showing that pure price increases for care rather than increased utilization is driving spending higher. In fact, the number of hospital...

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A summer road trip on your motorcycle may be no safer than last year. No progress was made in reducing motorcyclist deaths in 2011, according to a report released by the Governors Highway Safety Association (GHSA)....

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More children and young adults die of this than any other cause. Perhaps it is no surprise that motor vehicle traffic crashes continue to be the leading cause of death in the group of age 8 through age 24, according to...

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Washington and Oregon were among the six new states to take Health Exchange grants to implement the new health care law. Idaho, a highly conservative and Republican majority state, snubbed HHS and did not take the...

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Corvettes...we love to look at them and thieves love to steal them! The Chevrolet Corvette holds the title as America's oldest, continuously produced sports car. According to a National Insurance Crime Bureau (NICB)...

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Obesity now accounts for almost 21 percent of U.S. health care costs -- more than twice the previous estimates, reports a revised Cornell University study. The research, originally done in 2010, was the first to show...

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A typical American family of four receiving healthcare through an employer-sponsored preferred provider organization (PPO) plan now pays $20,728. This according to the latest study by Milliman, Inc., a premier global...

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1 in 3 U.S. adults-an estimated 68 million of us-have this and it is the "silent killer". Untreated high blood pressure, also called hypertension can damage the heart, brain, and kidneys without a single symptom. Each...

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What is the status of the Idaho Health Insurance Exchange? The US Supreme Court will be making its decision in June whether all, part or none of the Affordable Care Act will stand as constitutional. So, the Idaho...

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When all is said and done, AIG expects taxpayers to profit from $5B to $10B on the company's 2008 rescue. Too big to fail, AIG ultimately received a $140 billion bailout from taxpayers in 2008 to avoid a feared...

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Ten states including Washington State received grants to provide early childhood support and home visits to families who volunteer to receive these services, Health and Human Services (HHS) Secretary Kathleen Sebelius...

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Benjamin Franklin's famous quip "in this world nothing can be said to be certain, except death and taxes" has a closer connection than he knew. A 30-year study of traffic accidents in the United States has found that...

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A proposed rule that would establish a unique "health plan identifier" under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) was announced today by Department of Health and Human Services (HHS)...

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The most common "check engine" light repair is "replace Oxygen Sensor." A faulty O2 sensor costs less than $250 to fix, but can lead to as much as a 40% reduction in gas mileage if ignored - immensely important to note...

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New rules released today will offer states substantial flexibility as they design a health insurance exchange marketplace that works for their residents. The Idaho Legislature said "no thanks" this week and has failed...

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Traffic deaths due to hand-held cell phone use by drivers have dropped 47% since California enacted a ban in July, 2008. The analysis, conducted by the Safe Transportation Research and Education Center (SafeTREC) at...

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The maximum benefit limits under medical insurance plans for an individual's lifetime have been eliminated under the Affordable Care Act. "For years, Americans with lifetime caps imposed on their health insurance...

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Cyber security is becoming our nation's number-one threat according to FBI Director Robert S Meuller, III in comments made at the Cyber Security Conference in San Francisco. The following are excerpts from his comments...

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For the first time in history, crop insurance indemnities to farmers and ranchers has exceeded $10.08 billion to cover agricultural losses, reports ProgramBusiness.com. This underscores last year's high crop values and...

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Don't forget you have free preventative services to use in 2012! "Americans of all ages can now get the preventive services they need, like mammograms and the new Annual Wellness Visit, free of charge, as a result of...

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Ever wonder what a cruise ship costs? The grounding of the Carnival Corp. cruise ship Costa Concordia off the coast of Italy with more than 4,000 passengers and 1,100 crew aboard, may cost insurers more than 400 million...

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Overall, 73% of Allstate agents answering a national survey were "not very" or "not at all" satisfied with their relationship with the company. When asked if they would be willing to refer a friend or relative to become...

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Do you have trouble understanding health insurance? People in the market for health insurance will soon have clear, understandable and straightforward information on what health plans will cover, what limitations or...

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Private sector bias charges hit an all-time high. Employment discrimination complaints for businesses large and small increased to record levels during the "great recession". Layoffs provide opportunity for employees to...

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If you are a senior or if have seniors in your life, please pass along this information. Every U.S. citizen older than 65 qualifies for Medicare, making Medicare/health insurance fraud one of the most common scams...

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The headlines of 2011 mark the worst year ever recorded for insured losses across the globe. Worldwide natural disasters - earthquakes, tsunamis, tornadoes, hurricanes, flooding, winter storms, and unusual freakish...

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Before saving goodbye to 2011, check out these tax reduction tips. However, you usually need to take action no later than Dec. 31st in order to claim certain tax benefits. Here are six tax-saving tips for you to...

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Housing starts soared to their highest level since April 2010, increasing 9.3 percent from October to November and 24.3 percent from November 2010 according to the Commerce Department's US Census Bureau. Permits for new...

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"Cell phone usage is only one of many bad habits that are distracting American drivers," said Robert Passmore, senior director of personal lines for Property Casualty Insurers Association of America (PCI). "Distracted...

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In a surprise move, the Obama Administration has announced that each state can decide what "essential health benefits" will be offered in their state Health Care Exchanges beginning in 2014. Under the Affordable Care...

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A ban on driver use of cell phones is urged by National Transportation Safety Board. The safety recommendation specifically calls for the 50 states and the District of Columbia to ban the non-emergency use of portable...

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Feature articles include: Market Forecast 2012 Referral Reward's Winner Medical & Medicare Updates Savings Tip WATER DAMAGE - Am I Covered? Click to read our newsletter online

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The US Supreme Court has agreed to decide the constitution issues of the Affordable Care Act. The court will hear oral arguments in March and then is expected to render a decision in June 2012. So, President Barack...

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2011 set a new record of 12 separate billion+ dollar US weather/climate disasters according to the National Climatic Data Center (NCDC). The aggregate damage total is estimated to be approximately $52 billion. This...

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Stopping payment errors in Medicare, Medicaid, Pell Grants and Food Stamps has saved $17.6 billion dollars in 2011 according to The Office of Management and Budget (OMB). The Cut Waste Campaign by the Obama...

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Idaho is one of 13 new states to receive grants to help them create Health Insurance Exchanges. The Affordable Care Act mandates that every state have a Health Insurance Exchange, either a state or a federal exchange,...

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Here are some tips on how to have a great party while managing the risks of serving liquor. Whether you are hosting a personal party for friends and family or a business party for employees and guests, when planning a...

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On average, the odds of being injured in a crash are 25 percent lower for people in hybrids than people traveling in non-hybrid models. Hybrids have a safety edge over their conventional twins when it comes to shielding...

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The Affordable Care Act became law on March 23, 2010. The law's provisions are being implemented on a timeline through January 1, 2015. There are four new items being added in 2012. A brief explanation of each is listed...

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Widespread flooding this fall in the eastern US has created a pool of more than 15,000 vehicles damaged by flood waters. The National Insurance Crime Bureau is warning consumers to beware of undisclosed flood damaged...

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Physicians have faced steep payment cuts annually because of a flawed 1997 law according to Kathleen Sebelius, Secretary of the US Department of Health and Human Services (HHS). Secretary Sebulius released this...

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Five minivan models have earned the 2011 Top Safety Pick award from the Insurance Institute for Highway Safety, standing out from competitors for superior protection in rollover crashes. The 2012 Chrysler Town &...

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Medicare Part B premiums in 2012 will be lower than previously projected and the Part B deductible will decrease by $22 according to an announcement by the U.S. Department of Health and Human Services (HHS). While the...

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Just today I was sitting in a coffee shop when a jacked-up and tricked out black Toyota pickup pulls up with the engine roaring and the music thumping. Out jump three young men to buy energy drinks and smokes. They pile...

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The Obama administration is asking the US Supreme Court to decide the fate of the Affordable Care Act . Political battle lines were drawn since the Act was signed into law in March 2010. As many as 26 States have sued...

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This year marks an important change in Medicare's annual open enrollment, the time period during which people can choose to change plans or shift from Medicare Advantage to Traditional Medicare. Open Enrollment starts...

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Now at the 10th anniversary of September 11, 2001, like the bombing of Pearl Harbor on December 7, 1941, it is a day that lives on in infamy for a new generation of Americans. But 9/11 was different in the sense that...

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An initiative to build a "weather-ready" nation is being launched by the National Weather Service, in response to the nine separate natural disasters the US has experienced so far in 2011. The latest event to surpass...

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Before your "wild hog" drives his new motorcycle make sure he takes Idaho's STAR Training - it could save his life! Motorcycle riding has become more popular in recent years, appealing to a new group of enthusiasts...

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Hot Wheels-the list of the 10 most stolen vehicles in the United States was released today by The National Insurance Crime Bureau (NICB). Nationally, for the first time since 2002, thieves preferred domestic makes over...

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Historic new guidelines that will ensure women receive preventive health services at no additional cost were announced today by the U.S. Department of Health and Human Services (HHS). Developed by the independent...

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After just six months, 2011 is already the most expensive catastrophe year for the insurance industry on record, according to a ProgramBusiness.com story taken from The Guardian. Through June 30th, 2011 is worse than...

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Stricter lending standards blocked purchases and foreclosures forced people out of their residences resulting in U.S. home ownership rate falling to the lowest level since 1998 in the second quarter reported ...

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Businesses, even very large ones, are typically not insured for data breach liability claims. Companies that rely on a Commercial General Liability (CGL) form, the most common policy form, to cover this cyber exposure...

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Your small business is a target! Hackers are expanding their sights beyond multinationals to include any business that stores data in electronic form, according to a ProgramBusiness.com article posted July 21, 2011. The...

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Feature articles include: Why We Need to Talk! Rental Cars - What coverage is provided by my auto policy? 26 Year Sponsor - Independence Day Fireworks Auto Policy - Is Pizza Delivery Excluded? Homeowners - Beware of...

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What will your Social Security benefits be at retirement? The Social Security Administration, for expense savings, has suspended sending out written estimates but is now providing an online Retirement Estimator at www....

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The median premium cost per employee was $400 per month under private-sector group health insurance plans in 2010 according to a survey just released by the US Dept of Health & Human Services. The Medical...

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Experts fear we are on the threshold of a bedbug pandemic! It's a public relations nightmare for hotels in major cities across America. Begbugs have checked in and guests are checking out! These are uninsured losses...

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April period witnessed the largest tornado outbreak in world history. May period includes two of the costliest tornadoes ever recorded. Yes, it was really THAT bad - 3 times the average of losses for the 20 year period...

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NFIP faces external challenges that threaten the program's long-term health. As the nation's flood waters are highest, the National Flood Insurance Program (NFIP) is a sinking ship according to a scathing new report by...

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Thirty percent of employers will cancel health plans by 2014 because of Health Care Reform, according to a McKinsey Research study. The research suggests that when employers become more aware of the new economic and...

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What household appliance causes more than 1,000 residential fires per month in the US? The answer... your clothes dryer! They are a modern marvel and an indispensable convenience. We use them constantly and they work...

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Five separate severe weather outbreaks in April will result in combined insured losses in excess of $4 billion, according to Aon Benfield report. The first outbreak, from April 3-5, triggered around 1,500 storm reports...

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A divided Supreme Court, ruled on a 5-4 split decision along ideological lines, that corporations can enforce arbitration clauses to block dissatisfied customers from bring class-action lawsuits. Consumer rights...

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Organized Scams Defraud Consumers and Insurers Alike, Costing Billions of Dollars Annually If you have been involved in an auto accident that just didn't feel right, it might not have been an accident at all. More and...

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The Chevrolet Volt and Nissan Leaf earn the highest safety ratings from the Insurance Institute for Highway Safety in the first-ever U.S. crash test evaluations of plug-in electric cars. The milestone demonstrates that...

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Ever wonder who and how your identity can get stolen? Read this from Insurance Journal.

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Supporters claim reform bill will save $100 million in first year. Montana's workers compensation rates are the highest in the nation which led to urgent reform efforts that culminated on March 28th when the Montana...

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Toyota was found "not guilty" by a New York jury in the 2005 unintended acceleration case brought by Dr. Amir Sitafalwalla. The case had prompted a massive recall of 8 million vehicles, a cascade of similar product...

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DOT estimates a 3% drop in 2010 fatalities over previous year's record low. U.S. Transportation Secretary Ray LaHood today announced that the number and rate of traffic fatalities in 2010 fell to the lowest levels since...

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Finances cause one in seven parents to delay teen driving. With high unemployment, concerns over rising gas prices and inflation, plus the cost of auto insurance for young drivers, the expense of getting a teen behind...

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Identity theft was the number one complaint category in 2010 according to the Federal Trade Commission (FTC). Between January and December 2010, the FTC's Consumer Sentinel Network (CSN) received more than 1.3 million...

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On March 25, 1911 the Triangle Shirtwaist Factory in New York City caught fire taking the lives of 146 people. This tragedy led to the beginnings of workers compensation insurance and ushered in a new era of workplace...

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March 23rd marked the one-year anniversary of the Patient Protection and Affordable Care Act (PPACA). The date was marked with numerous events on Capitol Hill and around the country, some celebrating its enactment and...

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Global supply chain disruptions for thousands of multinational companies that rely on Japanese manufacturers for goods and services, as well as for sales, will be significant and last up to several months predicts Marsh...

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If you lived in the shadow of a nuclear power plant would you have any insurance to cover your loss due to a nuclear accident? As events unfold at Japan's Fukushima Daiichi nuclear power plant following the devastating...

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Based on currently available information, the estimates of insured property losses from Japan's earthquake are between $15 billion and $35 billion USD according to AIR Worldwide, a pioneer in catastrophe modeling...

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The cost of natural disasters can be counted in many different ways - loss of life, overall economic loss both public and private, insured and uninsured property loss, loss of business revenue, etc. No matter how you...

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Fueled by worldwide catastrophe losses, the combined ratios (claims + expenses) of US Insurance and reinsurance companies deteriorated 3.4% in 2010 compared to 2009. Fitch Ratings, in its annual report that compiled the...

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Insurers and reinsurers worldwide have the financial strength to pay the claims that will emerge from Japan's 9.0 magnitude earthquake and the resulting tsunami but these events, coupled with the severe quakes that...

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An estimated 9 million working-age adults became uninsured last year due to recession job losses according to the new Commonwealth Fund 2010 Biennial Health Insurance Survey. The recession has stripped millions of...

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Employers are taking bold action to manage health care costs and offer affordable care according to the National Business Group on Health Survey just released by Towers Watson. Over the past year, employers have focused...

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Seventeen people covered by Oregon's workers' compensation system died on the job during 2010, the Department of Consumer and Business Services (DCBS) announced today. The total represents an all-time low in Oregon. The...

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Oregon is one of seven states awarded "Early Innovator" grants to design and implement the Information Technology (IT) infrastructure needed to operate Health Insurance Exchanges as part of the Affordable Health Care...

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Montana Rep. Scott Reichner wants to reform Montana's workers compensation system. Montana has the most expensive workers' compensation premium rates in the country with an average of $3.33 per every $100 of payroll...

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Angelina Jolie's "Salt" was the riskiest movie to insure in 2010 according to Fireman's Fund Insurance Co, the leading insurer of Hollywood films for more than 85 years. "Salt," featured Angelina Jolie as Evelyn Salt, a...

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Local food banks and other community service's core funding may be cut by 60% this year. For 2011, a budget bill currently being proposed in the House of Representatives will potentially cut Community Services Block...

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Each year consumers pay more for their auto and homeowners insurance policies as a direct result of fraud. The National Insurance Crime Bureau has heard all the stories-unnecessary auto glass repairs, aggressive and...

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Red light cameras saved 159 lives in 2004-08 in 14 of the biggest US cities, a new analysis by the Insurance Institute for Highway Safety shows. Had cameras been operating during that period in all large cities, a total...

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What vehicles are the top safety picks for 2011? To check out a specific 2011 vehicle before you buy - click on TOP SAFETY PICKS 2011 The 2011 Dodge Charger and Chrysler 300 earned the "Top Safety Pick" award. The...

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Should you pay a fee for emergency response services following an accident? A resounding three out of four adults said "no" when recently surveyed by telephone in a Harris Interactive poll. The majority surveyed believe...

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The Washington Department of Labor & Industries (L&I) today announced a final decision to increase workers' compensation premium rates by an average 12 percent or 6.5 cents per hour for 2011. The new rates...

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Every business owner will be impacted by the troubles brewing in workers compensation insurance. Among the top trends identified to watch are - medical costs continue to rise, injured employees are staying out of work...

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U.S. Transportation Secretary Ray LaHood today announced a final rule aimed at decreasing occupant ejections in passenger vehicles. The new U.S. Department of Transportation standard, which will help reduce the number...

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The property/casualty insurance industry turned a corner and will show a profitable year for 2010, but underwriting discipline will be more important than ever in 2011, said chief executive officers (CEOs) participating...

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Workers compensation rates in Idaho will rise 3.7% in 2011. This is the first increase since 2005, when the overall rate increase was 5.3%. Employers in Idaho are required by law to cover their employees with workers...

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35 million US households (about 30%) have no life insurance protection at all, according to the 2010 Life Insurance Ownership Study done by LIMRA. Among households with children under 18, 4 in 10 say they would...

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Inside this issue: Referral Rewards - We have a Winner New Website a Hit - See comments (pg 4) Customer Service Focus - Compliments for Tina Heitmann News You Can Use Wind Damage - Am I Covered? Introducing Tracey Santo...

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Answers to questions about wind damage to your home, fences, tree removal and liability to others. The recent windstorm of November 16th brought us a storm of more than 50 phone calls regarding wind damage claims. The...

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Mandated health insurance was ruled unconstitutional by a Federal judge in Virginia today. US District Judge, Henry Hudson, dealt the first significant blow to a key provision of the Affordable Care Act (ACA) by ruling...

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A residential candle fire is reported every 30 minutes and each year fire departments across the country respond to approximately 260 structure fires caused by Christmas trees according to the National Fire Protection...

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January 1, 2011 is a key date for six new health care reforms created by the Affordable Care Act. Seniors primarily benefit from this current round of reforms but premium vs profit restrictions on insurance companies...

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The number of uninsured rose sharply in 2009, reaching 50 million people. Decreasing the number of uninsured is a key goal of the 2010 Patient Protection and Affordable Care Act, which will provide Medicaid or...

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If you have a health claim denied in Idaho you have the right to the have the decision independently reviewed. This independent review process was instituted as part of Idaho's Health Carrier External Review Act (Title...

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