Skip to content

Business Insurance

Business Discount Packages | Auto | Liability | More

We insure business … every kind of business – large or small – in Lewiston, Clarkston, Moscow, Pullman and the surrounding areas in Idaho, Washington and other western states.

American Insurance directly represents dozens of America’s top insurance companies with access to many more, each competing for your insurance! Our experienced agents analyze your unique business insurance needs to provide creative solutions, risk management advice, premium discounts and the confidence of knowing you have the right coverage at the right price.

Our experienced agents can evaluate your business operations and recommend the right insurance package to ensure you're protected against the many risks your company may face.

Our reputable insurance partners can provide the full range of insurance solutions for businessowners of all sizes. We'll pair your business with the right coverage from the right insurance company.

From the one-person shop to large corporations, American Insurance has business solutions to fit your needs. We're experienced in crafting customized commercial insurance policies suited to your unique business operations.

We offer discounted insurance packages that can include commercial auto, liability, property, workers comp, and more. Our business insurance agents are dedicated to offering excellent customer service and trustworthy advice. Contact us today to learn more.

Commercial Auto

From local delivery and service vehicles to large commercial fleets, American Insurance offers commercial auto insurance policies to fit your business.

Business insurance needs are as diverse as the business owners themselves. Your policy should be tailored to how you're using your cars, vans and trucks for your business. We find the right coverage for your needs.

We're experienced in business insurance and provide outstanding customer service. Contact us today to learn more.

Every business needs the fundamental coverage of Commercial General Liability. This coverage is commonly required to rent business space, do work at customer’s premises or obtain a trade license. Our experienced agents make insurance easy and want to be your trusted advisor so you can concentrate on your business success.

American Insurance can also provide other specialized commercial liability coverages such professional liability (E&O), employment practices (EPLI), directors and officers (D&O), cyber liability and more. Contact us today to find out what we recommend for your business. Contact us today to find out what we recommend for your business.

Commercial Property

Protecting your property and your largest assets from loss is critical to your continued business and financial success. Our experienced agents will review your business assets including buildings, furniture, fixtures, stock, inventory, equipment, machines, tools, valuable papers, money and securities owned or used in business.  We will recommend the broadest insurance coverage available with options like Business Income so you are back in business after an insured loss.

American Insurance represents many commercial insurance companies who will compete for your insurance and offer programs tailored to business owner’s needs and the most competitive price. Contact us today to schedule a consultation with one of our insurance advisors.

When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not. Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other insurance policies.

One of the insurance advisors at American Insurance NW Inc. can review your business insurance needs and recommend what kind of liability coverage you need to protect yourself and your company. Contact us today to schedule an appointment.

Workers Compensation

Nearly every state requires that a business carry workers compensation insurance if they have any employees, even part-time. American Insurance can help your business secure the most competitive workers compensation rates and coverage from among the many companies we represent including the Idaho State Insurance Fund.

The experienced agents at American Insurance will find solutions that create safer and more productive workplaces, more confident and secure workers, and overall savings that you'll see on your bottom line. Contact us today to schedule an appointment.

American Insurance makes bonding easy!  We have all kinds of bonds - Commercial Bonds, Contract Bonds and Court Bonds. You can count on our experienced agents to help you secure the bond you need.

We specialize in contractor bonding like WA Contractor License bonds and bid, performance and payment bonds. Other typical bonds include license and permit bonds like Janitorial and Auto Dealer bonds; general business bonds like Fidelity, ERISA and Notary bonds; and probate/court bonds for trustee, executor, guardianship and conservatorship.  

American Insurance represents many bonding companies and will work closely with you to get the bond and bond limit you need at the lowest rates available. Contact us today to find out more about our outstanding service and quick response from our team of licensed agents.

Inland Marine

You need this special insurance protection if you are a service, repair, or installation business or any business that transports goods or their own specialized tools, equipment, materials or merchandise with them from job site to job site. If you damage or lose this property in an auto accident, vehicle fire or theft you may be out of business.

American Insurance offers Inland Marine Insurance, sometimes called a “floater”, “scheduled equipment” or “cargo”, that provides the broad coverage you need for any property you schedule or declare that is in transit or away from your insured business premises. Talk with our experienced agents about customizable inland marine insurance coverage today.  

American Insurance has unique solutions for your specific transportation insurance needs. This program is for automobile transporters primarily engaged in hauling private passenger automobiles and light pickup trucks for dealerships, auctions, leasing/rental concerns, and relocations. “Hot Shotters” welcome! We offer complete insurance packages with specialized coverage forms designed to protect every aspect of your business.

Auto Recovery

American Insurance has unique solutions for your specific transportation insurance needs. We offer complete insurance packages with specialized coverage forms designed to protect every aspect of your business. This program is for collateral recovery and for-hire towing operations.

No two businesses or organizations are alike even though they all need insurance coverage. If you operate a nonprofit organization, you need the assistance of an insurance agency that understands the needs of charitable entities. Your 501(c)3 needs insurance coverage that protects you, your board of directors, your volunteers and the people you serve. The friendly, experienced agents at American Insurance can help.


American Insurance NW Inc. works for small businesses. As an independently owned and operated insurance agency, we understand the unique concerns faced by general contractors. Unlike captive agents, who work for a single national chain, our agents serve you by shopping a network of top-rated insurance carriers. That way we can provide rate reviews, risk assessments and apples-to-apples comparisons of insurance products for your contracting business.