1st Direct Insurance

Need a simple breakdown of flood insurance and the key concepts you need to know? We've got you covered! Check out our latest blog post to learn: ? What is flood insurance and what does it cover ? Why homeowners need it (even outside high-risk areas) ? Tips for saving on premiums and more Don't wait for a disaster to strike! Stay informed and protected, 1st Direct is here to help. Read more at: https://lnkd.in/ggcN44HG #FloodInsurance #Homeowners #InsuranceTips #FloodProtection #FinancialSecurity #HomeSafety #1stDirectInsurance

????? Happy Spring from 1st Direct! ????? As the flowers start to bloom and the weather warms up, we know that spring showers can bring more than just beauty – they can also bring the risk of flooding. Now is the time to prepare and ensure your home is protected. Don’t wait until it's too late – flood insurance is an essential part of your spring preparedness plan! ? Review your policy ? Protect your valuables ? Stay informed about weather alerts At 1st Direct, we're here to help you make sure you're ready for anything Mother Nature throws your way. Contact us today for expert advice on flood insurance and peace of mind this spring! ?? https://lnkd.in/eswjfrT #SpringReady #FloodInsurance #BePrepared #SpringShowers #FloodPrevention #HomeProtection

???? Is Your Business Flood Proof? ???? Flooding can happen unexpectedly, and when it does, it can cause significant damage to your property and operations. Don't wait until it's too late—take action now to protect your business! ? Have a disaster plan in place ? Ensure proper drainage and waterproofing ? Train your team on flood safety procedures ? Get flood insurance coverage, 1st Direct can help find the best options Prepare today, stay safe tomorrow. ?? Get a comprehensive risk assessment and quote at www.firstdirectins.com #BusinessContinuity #FloodProof #DisasterPreparedness #BusinessProtection #SafetyFirst

Flood insurance is one of the most misunderstood aspects of property insurance. Many homeowners, renters, and business owners make decisions based on myths and misconceptions, which can leave them underinsured or unprotected when disaster strikes. Whether you're in a high-risk flood zone or not, it’s crucial to understand the facts about flood insurance to ensure you're adequately covered.

As temperatures drop winter flooding becomes a serious concern. Here are some key risks to keep in mind and prepare for: Melting Snow & Ice: Rapid thawing can overwhelm drainage systems, leading to unexpected flooding in both urban and rural areas. Frozen Ground: When the ground is frozen, water can't soak in properly, causing runoff to accumulate and flood streets and homes. Rain on Snow: Heavy rainfall combined with snowmelt can lead to fast, dangerous flooding. Stay updated on local weather reports! ? How to Prepare: -Know your flood risk (get a free risk assessment at firstdirectins.com) -Make sure you are covered with flood insurance -Clear gutters and drains to prevent blockages -Keep an emergency kit with essentials (water, food, first aid, flashlight) -If you live in a flood-prone area, consider sandbags or other protective measures Don’t wait until it’s too late—be proactive this winter. Your team at 1st Direct can help! #WinterFlooding #FloodPrep #StaySafe #WinterWeather #EmergencyPreparedness

By 2030 Gen Z will make up 30% of the workforce. There have already been significant workplace changes and challenges with shifting ideals. Gen Z employees prioritize their work-life balance more than any other generation before them. The potential for claims may arise when employers refuse to adapt and provide options to alleviate work-related stress. In addition, advancing technology has become the norm in nearly every job market. However, assuming a younger candidate is more technologically advanced for a position at your company over an older candidate may expose your company to claims. Discrimination of any kind has recently been a topic of concern for many candidates, employees, and employers. The Gen Z workforce is steadily increasing and inclusivity and diversity is a top priority to consider to avoid the potential for claims. Finally, career development is an important factor for Gen Z employees. Without a clear understanding of advancement, training, and promotion opportunities, your company may be exposed to claims arising from the lack of career growth. To best protect your business from the above-mentioned situations an Employment Practices Liability Policy (EPLI) is essential. Reach out to 1st Direct to learn more about the benefits of instituting an EPLI policy for your business. https://lnkd.in/guwYruaG

No one buys a home thinking it will flood, especially away from the coast, but inland flooding in the U.S. caused $230 billion in damages from 1988 to 2021. Don't get caught unprepared, protect your home from unexpected flooding with #FloodInsurance. Contact 1st Direct today to get a free flood risk analysis at https://lnkd.in/guwYruaG

Virginia is making some changes to their auto insurance laws including an increase to the amount of liability insurance you must carry. The starting January 1st 2025 the new Virginia insurance requirements will be: $50,000 bodily injury liability per person $100,000 bodily injury liability per accident $25,000 property damage liability per accident

The National Flood Insurance Program will soon start to accept monthly payments for flood insurance premiums, ending 55 years of requiring full payment upon application or renewal.

Do you know about BOI reporting requirements? Many companies are required to report information to FinCEN about the individuals who ultimately own or control them. Penalties start January 1st, 2025. Reporting Link: https://lnkd.in/e4zShHzk Reporting Page: https://www.fincen.gov/boi 1st Direct cannot assist with the reporting but we want to get the word out to the small business community.