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American Insurance Blog

All You Ever Wanted to Know About Insurance

COVID-19: Business Premium Relief

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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COVID-19 Insurance claim relief?

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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Are Shifting Worker Demographics Affecting Claims?

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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Idaho 2019 Workers’ Comp Rates to Decrease

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

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Top 10 causes of workplace injuries

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

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Q & A: Is my contractor insured?

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

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Q&A: How can I get the lowest rate on business insurance?

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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What Industry Has Highest Worker Injury Rate?

"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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Independent Contractor? Maybe not!

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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MT Workers Comp Reform Enacted

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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Workers Comp Sparked By 100 Year Old Tragedy

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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Workplace Deaths At All-Time Low in Oregon

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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Montana Workers Comp Reform Urgent

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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WA Workers Comp Rates Jump 12%

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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11 Issues Impact Work Comp in 2011

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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Idaho Workers Comp Rates Rise

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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WA Voters Alert - Initiative 1082

WA ballot initiative to privatize workers compensation Watch for November ballot Initiative-1082 The 30 year battle to end the state monopoly of Workers Compensation insurance goes to Washington voters in Nov under I-...

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