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.

First Citizens Insurance Services BEACON video
See how it works

It's our job to help protect your business.

Watch the First Citizens Insurance Services BEACON video

Building your business. That's your job. Helping you protect your business. That's our job.

First Citizens Insurance Services BEACON. We bring businesses a consultative approach that supports building comprehensive risk programs and trusted relationships. Our advisors dig deeper to get to the heart of your operations to identify needs and gaps to help you prepare for what's next.

Most importantly, we keep you updated regularly and help you understand changing trends. And with the backing of one of America's largest family-controlled banks, you can count on us to be a strong, stable advocate for your business—today and tomorrow.

First Citizens Insurance Services BEACON. Helping protect your business. It's our job. First Citizens Bank. Forever First.®

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, you'll get promises-made, promises-kept reporting. And 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

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

Get 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

Get a financial guarantee for services provided.

Cyber Insurance

Explore digital asset and management protection.

Professional Liability

Protect your business.

Workers' Compensation

Get coverage for work-related injuries and claims.

Directors & Officers, Employment Practices Liability and Fiduciary Liability

Get fine-print coverage for executives, managers and policy makers.

Other Services

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

Commercial Risk Management & Insurance Insights
Protect your business

Management

Get Started on Your Compliance Journey

A corporate compliance program is an investment in the defense of your business's future.
The best compliance policy has little value if employees aren't aware of it.
Risk Management

Bank Fraud Prevention Tools to Try

Business fraud can impact your business's finances, your reputation and customer trust. Fight it with tools and resources from the right banking partner.
Fraud incidents may disrupt operations, erode customer loyalty and trust and threaten revenue streams, leading to reputational damage. Implementing a proactive, multilayered fraud prevention strategy can become a competitive advantage, mitigating risk while building long-term value.
Risk Management

Prevent Manufacturing Fraud in Your Business

The specific types of manufacturing fraud you should watch out for depend on the nature of your operations.
Technology has never been more capable than it is today when it comes identifying potential manufacturing fraud risk.

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.

Insurance products offered in California are offered by First Citizens Bank & Trust Co., CA Agency License #OH380006.

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