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American Insurance Blog

All You Ever Wanted to Know About Insurance

3 boating coverage options to consider

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

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Five Seatbelt Myths Busted

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

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Uninsured Drivers Average 1 in 8

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

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Should I get cyber liability coverage for my business?

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

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Will Freezing My Credit Affect My Insurance Rates?

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

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

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

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How to Win the Cyber Battle

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

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

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

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Q & A: Are business insurance premiums rising?

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

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2018 Commercial Insurance Rate Forecast

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

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