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COVID-19: Workers Compensation – claim prevention

Aug 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... more

COVID-19: Liability risk to your business

May 8 2020 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... more

COVID-19: Business Premium Relief

Apr 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... more

COVID-19 Insurance claim relief?

Mar 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... more

Q & A: What is a BOP?

Mar 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... more

Forecast: 2020 Commercial Insurance Rates

Jan 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... more

New ID Law Verifications for Business Autos

Dec 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... more

2019 Business Planning - SWOT it!

Nov 27 2018 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... more

Idaho 2019 Workers’ Comp Rates to Decrease

Oct 9 2018 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... more

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

Mar 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... more

Q & A: Are business insurance premiums rising?

Feb 10 2018 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... more

2018 Commercial Insurance Rate Forecast

Feb 7 2018 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,... more

Homeowners - Beware of Business Exclusions

Jun 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... more

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

Feb 10 2017 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... more

Who's Dying On The Job? 150 per day!

May 4 2015 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... more

One in Three Truckers Don't Buckle Up

Apr 1 2015 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... more

2013 Insurance Rate Forecast

Feb 26 2013 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... more

Data Breach - Uninsured Business Threat?

Jul 27 2011 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,... more

Hackers Now Target Small Businesses

Jul 21 2011 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 more

WA Voters Alert - Initiative 1082

Oct 12 2010 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... more

Liability lawsuits cost small businesses 33% out of pocket

Jul 22 2010 A U.S. Chamber of Commerce study shows that small businesses paid $105.4 billion in 2008 driving up liability insurance costs and forcing labor and benefit reductions. Read more – Tort... more

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