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First Insurance Group Blog: insurance

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Every business, from a restaurant to a gift shop, poses risks to its employees. Think about it. A construction employee who isn’t using a lifeline could fall off scaffolding and break a leg. A delivery biker who wasn’t wearing a helmet might sustain a head injury following an  accident. READ MORE >>

As a contractor, you understand that working means entering into binding agreements. Contracts more or less are rules to let business parties know what to expect from one another. Parties who work with contractors will expect the contractor to complete their work according to the stipulations of the contract. READ MORE >>

General liability insurance is business protection most companies need to carry. No matter the type of industry, there are risks to operating your company. This insurance helps to reduce some of the potential for financial loss from those risks. Yet, many business owners don't see just how important this type of insurance is. READ MORE >>

A vehicle fire can be one of the most dangerous situations that a business can face. It can occur for a wide range of reasons. In some situations, the damage from a single fire can lead to thousands of dollars in loss. In others, the insurance company may total the vehicle. This happens if it is beyond the ability to repair it. READ MORE >>

Signing a contract means you make a binding promise to complete work on behalf of a client. You might build houses, provide professional services or any number of other tasks. Contracts vary, but they often have similar properties to address the duties expected of a contractor. READ MORE >>

Businesses likely know that they have injury liabilities present on their property. However, more than slips and falls could cause a customer harm. Illness risks not necessarily related to a physical injury could incapacitate a client. If the client is able to pinpoint your business actions as the cause of an illness. READ MORE >>

What steps can a business owner take to ensure the company vehicle is safe? A commercial vehicle is one that individuals use for business-related activities. It is not a personal vehicle that travels just to and from home. A company-owned or operated car needs commercial auto insurance. READ MORE >>

One of the most essential business insurance products is workers' compensation insurance. Modern workers' comp insurance carries layers of federal, state and local regulations. These regulations protect both the injured worker and the employer. READ MORE >>

Clients expect contractors to complete projects within the specifications of the deal. Contracts require a legal obligation to follow their specifications. They also mandate a very high degree of honesty on the part of the contractor. Part of your obligation to your client is to protect their financial investment in a project. READ MORE >>

Spring is a time of change. Your business is working on new promotions and driving sales. You will see more customers come in the door. You also may start on new projects or events. When it comes to changing seasons, business risks change right alongside your actions. READ MORE >>

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First Insurance Group
Main Office 2520 South Highway 27 | Somerset, KY 42501 | Phone: (606) 679-3570
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