Get the right insurance plans for peace-of-mind!
General Liability, Workers Compensation, Property, Equipment, Auto, Umbrella, Liquor Liability, Professional Liability, Trucking, Bonds & More.
Homeowners, Condos, Tenants, Mobile Homes, Manufactured Homes, Coastal Property, Vacant Homes, Vacation Homes & More.
Owned, Non-Owned, or Hired Auto, Classic/Antique Vehicle, Motorcycle, ATV, Golf Cart, Motor Scooter, Motor Home & More.
Flood for Home, Dwelling, Condo, Tenant, Business Property and Contents.
Dwelling/Homeowners typically does not cover earthquakes, but can be covered by an endorsement or stand alone policy.
Physical Damage, Watercraft Liability, Medical, Uninsured Boaters, with options for Recovery, & Repairs.
Coverage for legal liability; mainly bodily injury, property damage, personal & advertising injury, & medical payments for exposures on premises, for operations, and for products. Coverages can be modified to fit the need of the business. General Liability policies can be written as a singular policy or a package policy.
Most states require employers to purchase insurance if they have at least one employee. Laws vary state to state. Coverage applies to accidental bodily injury, death, or occupational disease. In states where it is still elective, if an employer chooses not to purchase insurance, then the employer loses it's common law defenses against liability suits. Employers liability insurance is a separate coverage that protects employers not covered under workers comp laws. Workers compensation insurance can also be written for businesses with no employees, with owners included or excluded from coverage.
Commercial property coverage is available for buildings, business personal property, & personal property of others in the insured's care, custody, or control. Additional coverages such as debris removal, pollutant cleanup, electronic data, business income, legal liability, & extra expenses are available depending on area.
Business auto coverage can include coverage for owned, non-owned, leased, hired. or borrowed autos. Options for physical damage to owned/hired vehicles. Garage coverage for dealerships, auto shops, & parking lots. Truckers coverage for haulers of other's goods. Motor Carrier coverage for transported property. Garage keeper's coverage for shops with non-owned property in their care, custody, or control. Fleet options also available.
An Umbrella policy provides excess protection through higher limits of liability coverage. Commercial policies provide blanket coverage over business auto & liability policies starting at $1 million in coverage. Umbrella policies apply after the primary policy pays it's limits, up to the umbrella limit.
For bars, restaurants, & similar establishments that sell or serve alcohol. Protection is provided in the event of action brought against the insured for selling liquor to a customer who is later involved in an accident. Coverage can usually be included as an extra coverage to a General Liability policy.
Fidelity bonds guarantee honesty and trust with employees, where coverage is provided for losses caused by theft, embezzlement, misappropriation & other fraudulent acts. Certain employment positions or blanket coverage is available for businesses.
Surety bonds guarantee performance of another party, if contractual obligations are not met then compensation is made to the other party. Contract bonds like Bid and Performance guarantee written contract performance. License and Permit bonds guarantee laws and regulations are followed. Judicial bonds for legal or fiduciary obligations available for court appeals, attachments, bail, or injunctions.
*Policies and Coverages available depend on area and other rating factors.
Homeowner & dwelling policies can insure 1 to 4 unit residential buildings. Homeowners policies provide standard coverage for other structures, personal property, loss of use & personal liability. Where dwelling policies provide coverage for other structures, personal property, & loss of use; dwelling policies have an option for additional coverages such as personal liability. Homeowners policies are written with the owner as the occupant of the dwelling. Depending on the type of property occupied, coverage can be modified accordingly.
Homeowners policies for Condo owners include coverage for any part of the residence property that is owned, including any parts of the building that have had alterations or appliances that are part of an association agreement. Condo coverage for the residence property includes any alterations or improvements, personal property, & any structures owned solely by the insured.
Contents broad policies; also referred to as Tenant policies insure the personal property of the tenant occupying a rented dwelling or apartment. These policies do not provide coverage for the dwelling. Policies can be paired with auto policies for a multi-discount, like homeowners policies.
Coastal properties that have had catastrophic losses typically have more restrictions in coverages available to property owners. Coverages like Wind & Hail are typically covered with a separate deductible. Coverages also available include Wind Only policies, & Excess Flood policies.
Vacant homes are considered dwellings that are not occupied, & do not contain any personal property. This can be the result of renovations, in-between tenants, or selling the home. Specialty homeowners policies can provide coverage with options for named perils, vandalism & malicious mischief, agreed loss settlements, & liability coverage.
*Policies and Coverages available depend on area and other rating factors.
Personal auto for owned, non-owned, and hired motor vehicles. Legal liability for bodily injury and property damage with options for coverage for uninsured motorists, damage to your vehicle, roadside assistance, and new car replacement.
*Policies and Coverages available depend on area and other rating factors.
Property damage caused by flooding is not covered under Homeowner insurance policies. Flood coverage is available as a separate policy through private insurers, or the National Flood Insurance Program. Coverage for residential and small business property available. Maximum limits available for residential properties are $250,000 for buildings and $100,000 for contents/personal property.
*Policies and Coverages available depend on area and other rating factors.
Earthquake coverage for property is excluded on homeowners policies, but can be added as an endorsement. Separate Earthquake policies also available. Coverage can be purchased for the dwelling, other structures, and personal property.
*Policies and Coverages available depend on area and other rating factors.
With limited coverage on homeowner's policies, watercraft coverage is another option for private owned boats. Coverage for physical damage, watercraft liability, medical payments, & uninsured boaters. This includes the boat, boat motor, trailer, & equipment or accessories. Additional endorsements for reasonable repairs & recovery.
*Policies and Coverages available depend on area and other rating factors.
American West Insurance Agency has been helping protect people for 15+ years. The agency was established by Stanley Kingsbury in Washington in 2006. Shortly after, the agency joined the BGI Network. Stan's step-daughter, Christina Haranda joined the agency in 2019. Stan and Christina have lived in several states over the years, and thus have created a unique insurance agency that offers insurance options in multiple states. In 2020 Christina took over the agency and continues to offer the same insurance options and coverages. As an independent insurance agency, we strive to find and offer unique insurance options to our customers.
American West Insurance Agency starts with quality, taking to heart the needs of the customer first. American West Insurance Agency has built it's reputation on being there for it's customers. That reputation continues today, and will carry on far into the future. Our customers know that excellence is in the very foundation of the business. We can provide insurance quotes for all personal and commercial insurance.
With 30+ years of combined insurance experience, we are now licensed to assist you in Louisiana, Texas, Wisconsin, Washington, Idaho and Oregon.
300 Lenora St #1161 Seattle, WA 98121
Christina Haranda (206) 218-8980 christina@americanwestins.net Stanley Kingsbury (206) 226-7370 stan@americanwestins.net
Open today | 07:00 am – 04:00 pm |
Monday - Friday: 7am - 4pm
Saturday: Closed
Sunday: Closed
Any information shared with us is treated as proprietary and confidential.
We do not sell our clients’ information for any reason whatsoever. We only share our clients’ information with authorized parties, as allowable by law, for the exclusive purpose of pursuing, placing and servicing insurance policies. We may also disclose information for legal or regulatory purposes if we are required to do so. We use physical and technical safeguards to protect your information, and access is restricted only to those who need it to perform their jobs.
If we decide to change our privacy policy, we will post any changes on our website. This way you always know what information we collect, how we use it, and under what circumstances we disclose it.
We value our customers and want you to understand how we use the information we collect. Please contact us if you have any questions about our privacy policy.
We value you as a customer and respect your right to privacy.
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