Commercial Risk Management & Insurance

Protect your business and manage risk

Identifying business risk with a consultative approach

Using the First Citizens BEACON process, our commercial risk advisors work with you to control the true cost of risk, obtain the best combination of coverages with competitive pricing and provide ongoing services to match your needs.

Our Process

Mitigate risk with BEACON

As your insurance partner, we take the time to learn about your business and find the solutions to fit your unique situation.

Step 1

Discover

We guide you through the importance of establishing an insurance risk program to meet your specific goals.

Step 2

Analyze

We look at your existing risk program, coverages and services to build an appropriate solution to meet your business's most important needs.

Step 3

Install

Our agency team works to install a plan that aligns with your goals and industry.

Step 4

Ongoing Partnership

As our client, we provide promises made, promises kept reporting. You'll know what to expect from us with a service timeline created specifically to fit your business needs.

Partnership Benefits

Value-added services

Once you’re a client, you can expect these concierge-level services.

  • Loss control services
  • Claims review and management advocacy
  • Risk strategy meetings
  • Stewardship reporting and service timeline
  • Workers' comp experience mod review
  • Cyber risk reviews
  • Online account management
Our Solutions

Keeping your business protected

We’ve got you covered with a wide array of commercial insurance and risk management solutions.

Business Property & Liability

Protect your property against liability claims.

Business Auto Insurance

Coverage for your company vehicles and fleet.

Business Income Insurance

Protect employee wages, paychecks and more.

Business Life Insurance

Protect your people and your business.

Business Umbrella Policies

Reduce risk with a variety of additional solutions.

Bonds

Financial guarantee for services provided.

Cyber Insurance

Digital asset protection and management.

Professional Liability

Protect your business.

Workers' Compensation

Coverage for work-related injuries and claims.

Directors & Officers, Employment Practices Liability and Fiduciary Liability

Fine print coverage for executives, managers and policy makers.

Other Services

Don't see what you're looking for? Contact us for more options.

My Business Insurance Center

Manage business insurance information from any device, from anywhere

Access and manage your latest insurance documents and policy information

Report claims online, including accident photos and documentation

My Business Insurance Center

Manage business insurance information from any device, from anywhere

My Business Insurance Center

Access and manage your latest insurance documents and policy information

My Business Insurance Center

Report claims online, including accident photos and documentation

Commercial Risk Management & Insurance Insights

Protect your business

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Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

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