Why First Insurance

When it comes to insurance coverage, every business has one thing in common – it needs the right coverage to protect it from a devastating disaster or lawsuit. On-the-job employee injuries can negatively impact a business in a big way, too. First Insurance will partner with your business to mitigate risks like these with tailored insurance coverage that delivers protection and peace of mind. 

Most Popular Insurance Types

• Property insurance compensates for losses due to damage and theft by covering buildings, structures, inventory and more.
• Liability insurance pays in the event that a business is found legally liable for incidents like damage to another business or a personal injury. 
• Business vehicle insurance covers any cars or trucks used for commercial purposes.
• Workers compensation replaces some lost wages and pays medical expenses for employees injured on the job.

Other Types of Protection

• Umbrella policies are designed to protect over and above standard policies and cover unusually high losses. 
• Business income insurance compensates for lost income due to down time while recovering from a covered loss. 
• Extra expense coverage pays for additional costs related to continued operations in the event property is damaged by a covered loss.
• Contract bonds provide assurance by guaranteeing the budget and on-time fulfillment of a contracted project.
• Specialized liability policies are more focused and can vary by business type and structure.
  • Professional liability insurance helps mitigate risks due to claims of poor job performance or advice. 
  • Employment practices liability insurance pays damages when a business is legally liable for violating an employee's civil or legal rights. 
  • Directors and officers liability insurance protects against claims of improper management and decisions. 
  • Business identity theft insurance provides legal liability coverage in the event of data theft.
  • Cyber liability policies cover financial losses incurred as a result of a breach. 
• Terrorism insurance covers losses as a result of terrorist acts.
  

The team at First Bank is ready to answer your questions, assess coverage types and levels, then recommend the insurance company that's the right match for your business.