Our Locations
We are proud to have served the insurance needs of the Northwest for four generations. We are located in the Lewis-Clark Valley of Idaho and Washington with offices in both Lewiston, Idaho and Clarkston, Washington. We also have an office in Spokane, Washington and Craigmont, Idaho and an affiliated office in Seattle, Washington. We have staff members that specialize in personal and business insurance needs, farm and crop insurance, contractors and bonding, commercial aviation, individual life and health insurance, employee benefits and investments.
Idaho
1029 Main Street Lewiston, ID 83501 208.743.1506
208 West Main Craigmont, ID 83523 208.924.5232
142 Walnut Street Genesee, ID 83832 208.285.1661
Washington
616 5th Street Clarkston, WA 99403 509.758.5529
920 North Argonne Road, Ste. 130 Spokane, WA 99212 509.755.4500
A homeowners policy usually provides coverage for detached structures, such as a garage or shop building, equal to 10% percent of the value of the home. But if that detached building is used for business in any way, there is no coverage; even incidental use like storing business equipment or inventory. Business use is some activity where you make money or make a trade in value for your service, even if there are no customers visiting the premises. The same exclusion applies to a detached structure which is rented for residential purposes, like a guest house or apartment. That small business requires special insurance to cover the building, equipment, inventory and liability exposures. So if you are painting cars, building birdhouses, a contractor, or have an apartment, office studio, school, day care, etc. You need special insurance. Give us a call to get a quote today.