WE PROVIDE COVERAGE THAT KEEPS PACE WITH THE CHANGING LANDSCAPE
Risk is ever present, so you need coverage that is flexible, and a team of risk assessment professionals that can advise you of the changing landscape.
If you are in business today, you learn to live with risk. Storms, fires, power outages. These can all affect your day-to-day business. But with adequate protection, your liability is lessened or removed completely. We know and understand doing business in Tennessee, Georgia, and Alabama and can help you identify the best possible coverage for your type of business, in the most cost-effective ways keeping your business, your assets and your income safe from harm.
Business Owners Policy Insurance
A Business Owner’s Policy (BOP) combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to you.
Captive Insurance Management
First Volunteer Insurance provides economic savings and better risk management as a captive insurance management firm. A business can dramatically lower insurance costs in comparison to premiums paid to a conventional property and casualty company at First Volunteer.
Every company, regardless of size, is a potential target for white collar crime. We’ll work with you to design insurance coverage that helps you minimize risk and protects your business and your assets from theft, fraud and forgery.
Cyber/Data Breach Liability Insurance
Moving workers to remotely work in their home? Personal information has moved with them. Do you have safeguards and coverage in place for protecting your clients’ and employees’ information.
Environmental concerns continue to be a leading societal and business risk issue, sometimes posing serious unexpected challenges. We’ll work with you to create a custom solution to help protect your business against environmental risks.
Fiduciary Liability Insurance
Fiduciary liability insurance protects individuals acting as ERISA fiduciaries against fiduciary-related claims of mismanagement of a company’s employee benefit plan. We’ll work with you to ensure that employee benefits are handled responsibly, and your trustees are protected.
Inland Marine Insurance
Inland marine insurance is coverage that protects your business property while it’s away from your business location. We’ll help you ensure that your property is protected not only at your location but also while it is off-site or in transit.
Surety Bonds cover the risk that someone “Will do something”. These bonds are financial guarantees that the bonding company will either pay another party to finish the job or pay the money to the person holding the bond to satisfy their claim. We’ll work with you to determine your bonding needs.
Business Auto Insurance
Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.
Commercial Property Insurance
Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property.
Directors and Officers Liability Insurance
Directors and officers liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. We’ll work with you to protect your organization’s greatest asset: your senior leadership.
Errors and Omissions Liability Insurance (E&O)
Errors and omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions or represents the needs of others. We’ll design coverage that will ensure that one simple mistake does not cause financial devastation.
At least 25 percent of businesses that close after destructive events such as floods never reopen. We’ll design a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.
Key Man Life Insurance
Key man life insurance can keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. We’ll work with you to design coverage that helps assure continuity of your business for employees, customers and creditors.
Ocean Marine Insurance
Ocean marine insurance is insurance used to protect cargo, vessels and other items while they are being transported across the ocean. We’ll work with you to design coverage that provides real protection when you’re in open waters.
Systems Breakdown Insurance
Systems breakdown insurance covers the sudden and accidental, physical damage to equipment that requires its repair or replacement. We’ll design comprehensive coverage to protect your business against a financial disaster.
Builders Risk Insurance
Builders Risk Insurance covers the client’s Dwelling/building while it is being built. It is to be started when the foundation is poured and it ends when the policy expires or the structure is occupied, whichever comes first. We’ll help you determine the type and amount of builders risk coverage you need.
Commercial Umbrella Insurance
Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We’ll work with you to find the right umbrella solution to cover all your business needs.
Employment Practice Liability Insurance
As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation, and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively.
Fidelity Bonds cover the risk that someone “Will not do something”. They are mainly crime bonds protecting your business from theft. We’ll work with you to determine your bonding needs.
General Liability Insurance
Business models or product lines may have changed such as manufacturing a totally different product or adding delivery. Review as to whether you have the right coverage for your new situation.
Liquor Liability Insurance
Liquor Liability Insurance will protect you and your business if you are held financially responsible for any damage, injuries or death caused by a person who consumed alcohol on your premises in your establishment or at your event. Call us for coverage for Tennessee's Dram Shop statutes.
Special Event Insurance
Special event insurance (sometimes referred to as one-day event insurance) is an insurance policy that helps protect you and your investment at a specific event, such as a wedding, concert, bazaar or other fund raiser.
Workers Compensation Insurance
Workers compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer and more productive workplace.