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The right coverage for your business, home and family begins with the right advisor.
The right coverage for your business, home and family begins with the right advisor.


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Advisor Articles

Keep melting snow from damaging your home

Melting snow can be a silent enemy that is often overlooked by homeowners. The image […]

PayneWest recognized as 2014 Missoula Employer of Choice

We are proud to announce PayneWest was recently nominated and selected by the Missoula Job […]

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Glossary of Terms

Class Rate: A proprietary rate that applies to all risks in a given category or classification.

Indemnity Loss: The amount payable by the carrier to the insured, or to some third party on behalf of the insured, for reimbursement of actual damages sustained. Such losses, therefore, do not include adjustment expenses.

Workers' Compensation Insurance: Insurance against liability imposed on certain employers to pay benefits and furnish care to employees injured — and to pay benefits to dependents of employees killed — in the course of or arising out of their employment.

Subrogation: The right of an insurer to recover from a third party who is wholly or partially responsible for a loss paid by an insurer.

Assigned Risk: A risk which is not ordinarily acceptable to insurers and which is, therefore, assigned to insurers participating in an assigned risk pool or plan. Each participating company agrees to accept its share of these risks.

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News & Community

Stacy Dingman, National Finalist for the 2014 Outstanding CSR of the Year Award

Dingman recognized by the National Alliance for Insurance Education & Research Stacy Dingman was one […]

Columbia Industries Recognize PayneWest Insurance as Vendor of the Year

PayneWest Insurance is proud to have been recognized by Columbia Industries at its 50th anniversary […]

Ron Garrett Recognized as Volunteer of the Month

United Way of Linn County Volunteer of the Month We would like to congratulate Ron Garrett […]

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