American Insurance NW Inc. Blog
All You Ever Wanted to Know About Insurance
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...
Are Shifting Worker Demographics Affecting Claims?
Monday, April 29, 2019
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...
Top 10 causes of workplace injuries
Tuesday, July 31, 2018
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...
Are you liable?
Tuesday, June 26, 2018
You need to know this .... Questions of liability follow every incident that hurts someone or damages their property. For a variety of reasons, the general person's understanding of what constitutes ”legal liability” is...
Uninsured Drivers Average 1 in 8
Thursday, April 12, 2018
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...
2018 Insurance Rate Forecast
Tuesday, January 23, 2018
The perfect storm? Record hurricanes, floods, earthquakes, mudslides and wildfires coupled with already rising costs for medical injury claims, auto repairs with new tech, distracted driving – all are converging in 2018...
Q & A: How can I find out if a home has had any serious claims?
Saturday, June 10, 2017
We printed this Q&A column in the June 10, 2017 edition of The Lewiston Tribune. Q. Before I buy a new home, how can I find out if it had any serious claims? - A. Before you buy a home a little detective work can...
Auto BI Claim Costs Up 32%
Friday, October 9, 2015
Auto injury claim costs per insured vehicle have continued to increase across the United States according to a new study from the Insurance Research Council (IRC). Long-term reductions in highway injuries and fatalities...
Your Odds of Hitting a Deer Double
Tuesday, September 29, 2015
Your odds of hitting a deer, an elk or a moose are twice as high during the 4th quarter months of October, November and December as in the other nine months of the year. U.S. drivers are just as likely to have a claim...
Who's Dying On The Job? 150 per day!
Monday, 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 day from hazardous working...
One in Three Truckers Don't Buckle Up
Wednesday, April 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 troubling fact has the National...
How 5 Amateur Arsonists Screwed-up
Tuesday, March 31, 2015
Bedeviled by sagging bank accounts and burdensome mortgages, some cash-strapped building owners try to burn their way out of debt. Lighting up spilled gasoline or interior gas lines seems like an easy gambit. One flick...
New Tech to Stop Drunk Drivers
Friday, March 20, 2015
Can we keep drunk drivers off the road? Must they kill someone with their car after being arrested 10, 20 even 30 plus times for driving drunk before we find the answer. The answer may be a technology that has been...
Homeowners Claims & Premiums Rising
Thursday, March 5, 2015
The cost of homeowners insurance claims has been increasing at twice the rate of inflation. This is according to a new report from the Insurance Research Council (IRC). Despite significant declines in recent years, the...
The 9 Vehicles With Lowest Death Rates
Tuesday, March 3, 2015
Improved vehicle designs bring down death rates (IIHS). The chances of dying in a crash in a late-model vehicle have fallen by more than a third in three years, the latest Insurance Institute for Highway Safety (IIHS)...
The Most Common Household Fire Only You Can Prevent!
Friday, May 13, 2011
What household appliance causes more than 1,000 residential fires per month in the US? The answer... your clothes dryer! They are a modern marvel and an indispensable convenience. We use them constantly and they work...
Workers Comp Sparked By 100 Year Old Tragedy
Friday, March 25, 2011
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...
WIND DAMAGE - Am I Covered?
Sunday, December 19, 2010
Answers to questions about wind damage to your home, fences, tree removal and liability to others. The recent windstorm of November 16th brought us a storm of more than 50 phone calls regarding wind damage claims. The...