American Insurance NW Inc. Blog
All You Ever Wanted to Know About Insurance
2022 insurance rate forecast
Monday, January 24, 2022
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...
Q & A: How can I beat rising business insurance rates?
Friday, September 10, 2021
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...
Cybercrime - Small businesses hit with email scams
Wednesday, March 31, 2021
Despite the headlines, phishing and ransomware remains a disproportionate problem for small businesses. Recent reports show that 40% of ransomware attacks were against smaller companies with 1 to 100 employees. Small...
2021 Business Insurance Rate Forecast
Thursday, January 14, 2021
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...
COVID-19: Workers Compensation – claim prevention
Tuesday, August 4, 2020
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...
COVID-19: Business Premium Relief
Tuesday, April 14, 2020
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...
COVID-19 Insurance claim relief?
Wednesday, March 18, 2020
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...
Q & A: What is a BOP?
Tuesday, March 10, 2020
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...
Forecast: 2020 Commercial Insurance Rates
Thursday, January 16, 2020
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...
New ID Law Verifications for Business Autos
Friday, December 27, 2019
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...
Q & A: Does homeowners insurance cover my “At-Home” business?
Saturday, March 10, 2018
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,...
Homeowners - Beware of Business Exclusions
Friday, June 16, 2017
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...