First Volunteer Insurance Blog

Monitoring Insurance Expenses

What a year this has been! Many businesses may be reviewing plans and considering business expenses, as projections may not have gone according to hopes, thanks to the pandemic. You may have planned for a bright and sunny 2020, but then reality hit. Insurance can be a big expense for some businesses, but it does…

COVID 19 and Worker’s Comp – Are You Covered?

As an employer or employee, it is our sincere hope here at First Volunteer Insurance that you have not had ask this question yet.  However, the reality of this virus is that people are getting sick and some are dying, so it is best to be prepared should the rare event occur for you. The…

Help Our Community! Take the First Volunteer Challenge

A community that’s connected is a community that thrives. Volunteering efforts in some areas have dropped off while demands have increased due to the current environment. But together, we can make a difference. That’s why we would like to challenge other businesses to go out and get involved in helping our communities when and wherever…

Actual Cash Value versus Replacement Cost Insurance

The question of Actual Cash Value versus Replacement Cost comes up a lot when a client is considering the purchase of an older property. The client may only want to insure the building for the current market value, not what it would take to rebuild from scratch. An actual cash value policy typically costs less…

Insurance Peace-Of-Mind Starts With The Right Questions

Shopping for insurance in greater Chattanooga or Jasper, TN? Looking for the best coverage in Ringgold, GA or Cookeville, TN? Well, here is something to think about. Typically, when we lay our heads down at night or wake up in the morning, insurance is not usually top of mind. Most of us have thoughts about;…

Planning in Uncertain Times

The Coronavirus pandemic we are all dealing with means a lot of us are having to work from home, tackling challenges we never thought we’d face here in America. Figuring out child-care, shopping online, E-learning for our kids, juggling home and work life in the same space. But during these tough times many of us…

Business as (NOT) Usual

These are tough times. Many of us may be reviewing our business expenses, as projections are much different today than they were pre-pandemic, as you planned for a bright and sunny 2020.   A big expense for most businesses is insurance.  But the beauty of having an independent insurance agent on your side is that…

Liquor Liability

Dram Shop laws (liquor liability statutes) currently exist in 43 states, including our great state of Tennessee, and the District of Columbia, in some way, shape or form. The laws vary in scope by state, but fundamentally make any business which sells alcoholic drinks or a host (commercial or private) who serves liquor to a…