Review of First Insurnace

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First Insurance Review

Company Information:

First Insurance Company of Hawaii, Ltd. has been providing coverage for Hawaii's families and businesses since 1911. It is the state's largest locally established property and casualty insurance carrier, earning an “A” rating from A.M. Best along the way. It offers a wide variety of personal and commercial insurance products and have a customer service focus.

Products:

First Select Portfolio (FSP)
The only personal insurance package of its kind in Hawaii, and specifically designed with Hawaii homeowners in mind, the First Select Portfolio protects your major assets in a single, comprehensive policy. The FSP combines homeowners, automobile and umbrella insurance (optional) at a great value, and each policy can be tailored to suit your needs and add further protection where you want it. The FSP package policy is flexible, efficient, cost-effective and delivered with First Insurance's commitment to excellent customer service.

First Insurance Products

Personal

Homeowners

Dwelling Fire

Personal Umbrella

First Insurance offers a Personal Umbrella policy to enhance and protect policyholders and their assets in the event of a significant personal liability claim beyond the limits of standard homeowners and automobile coverage. If you have substantial assets to protect, the First Insurance Personal Umbrella policy should be considered a part of your risk management and wealth preservation program.

Auto

Personal automobile coverage is enhanced with FICOH's Direct Repair Program (DRP). With DRP, multiple estimates and a meeting with an appraiser are not necessary. Using a certified DRP auto repair shop means speedier vehicle repairs and a satisfaction guarantee on workmanship for as long as you own your vehicle.

Business


1st Choice Businessowners Policy

A single, convenient package for your property and liability exposures, the 1st Choice policy has coverage for everything from theft to computer equipment failure.

First Advantage Programs

FICOH designed this specially-tailored program to meet the specific needs of businesses within certain industries and professions.

First Safe Restaurant Safety Program

Premium discounts, credits and benefits reserved for restaurants that emphasize safety as a foundation of their business practices.

Risk Control

Controlling risks is a great way for any businesses to lower insurance costs and enhance its bottom line. We offer a number of resources to help you augment your risk-control efforts.

Property

We offer a family of property coverages designed to protect your business's physical assets and the income they produce from loss due to direct physical damage. We focus on prevention, but in the event of a loss we help restore your business operations as quickly and efficiently as possible.

Commercial Automobile

This coverage extends comprehensive protection for bodily injury property damage caused by owned vehicles used for business. Coverages can include auto liability, uninsured motorist coverage, personal injury protection, and physical damage coverage.

Commercial Package

First Insurance CPP (Commercial Package Policy) is the most comprehensive of its type available in Hawaii. It is ideal for larger commercial businesses with large property exposures. CPP can cover general liability, property, umbrella, crime and theft, with additional endorsements available as needed.

Fidelity Bonds

Fidelity bonds guarantee that bonded employees will handle their employer's money and property with "fidelity". Although no one can guarantee an employee's honesty, a First Insurance fidelity bond protects you and your customers from loss incurred by dishonest acts of your employees.

Inland Marine

Inland Marine policies can be written to include property in transit, contractor's equipment, certain warehousing operations and other non-standard property coverages. It can also be applied as additional protection for high-value property.

Surety

First Insurance surety products are designed to serve the middle market and emerging market contractor segments and the small commercial and small contract bond segments. We concentrate our resources on understanding and filling your needs, and we're sensitive to the fast turn-around time required in many bonding situations.

Umbrella

First Insurance offers umbrella coverage for additional levels of protection on First Insurance-issued commercial auto, general liability, and property policies.

Workers' Compensation

Workers' Compensation coverage delivers the necessary and important statutory medical and indemnity benefits to employees for injuries arising from their jobs. Injured workers are provided coverage for required medical treatment and benefits for loss of time from work.

Equipment Maintenance Management

Designed to assist business owners and managers organize their maintenance expenditures and warranty packages into one cost-effective and efficient program. (Underwritten by Specialty Underwriters).

Additional Commercial Protection

First Insurance also offers Temporary Disability Income (TDI), Plate Glass, and a range of additional coverages and endorsements to enhance standard commercial policies.

Risk-management Products.

First Insurance has a number of risk management products available:

Excess & Surplus and Specialty Lines
Flood Insurance
Captives
HSA Home Warranty

So there you have it! A quick review of the services of First Insurance. They are a company with a broad range of personal, commercial and risk management products. Take a look at them today or email us here at david@fastinsurancedeals.com





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