The classic Thanksgiving dishes are a great way to pass on some family recipes to future generations. However, that does not necessarily mean you can not experiment with other delicious healthy Thanksgiving recipes.

Here are seven delicious Thanksgiving healthy recipes to get you started.

1. Sweet Potato Salad

This colorful, flavorful salad is easy to prepare, nutritious, and delicious. You can enjoy your sweet potato salad straight from the oven or at room temperature. It also makes for a great leftover Thanksgiving dish. You can always add more color and flavor by throwing in some spinach or a fried egg.

2. Keto Pumpkin Pie

When you think about a Thanksgiving meal, turkey and pumpkin dishes are probably on top of your list. However, not all pumpkin dishes need to be the same. In fact, this low-carb keto pumpkin pie is a healthier alternative, with a gluten-free and zero-calorie sweetener crust. To enhance the flavor, you can use whip cream. According to recent clinical research, the Keto diet improves cardiovascular health as well as memory for patients with impaired memory caused by Alzheimer’s.

3. Cauliflower Stuffing

Instead of your typical bread stuffing, you can use cauliflower, especially if you want to produce a low-carb meal. To ensure the filling is tender and flavorful, add a generous amount of butter.

4. Wild Rice and Mushroom Stuffing

Another great stuffing recipe for the Thanksgiving holiday is the rice and mushroom stuffing. If you are not afraid of a little carb in your diet, try out this unique dish. The mushroom gives this meal added texture, while the chilly gives it that heat, creating a perfect balance with the earthy oyster flavors.

5. Roasted Vegetables

Do away with the common wilted vegetables. This recipe is an excellent twist to make sure you enjoy your vegetables. For this recipe, you will need trimmed Brussel sprouts, carrots, black pepper, rosemary leaves, thyme leaves, dried cranberries, toasted pecan, salt, vinegar, and extra virgin oil. You can also use the oven or the air fryer method to roast your vegetables. Roasted vegetables are not only ideal during the holidays but can also be added to your regular menu.

6. Turkey with Orange and Sage

Turkey is one of the most common Thanksgiving meals. However, turkey with oranges gives a different twist on this classic Thanksgiving dish. With just three ingredients, you get to enjoy well-roasted luscious turkey pieces. To enhance the flavor, add salt and ground black pepper.

7. Braised Turkey Legs

Instead of making your turkey whole, why not try out the braised turkey legs. Cooking a whole turkey can be difficult because the chest may dry out before the legs are properly cooked. To avoid this, try making the two parts separately with the help of this recipe. Braised turkey legs are generally easy to make, needing oil and a dash of white wine.

Consider these delicious healthy Thanksgiving recipes during this holiday season. Additionally, protect your home and loved ones with the right insurance policies. Contact the experts at First Insurance Solutions today. We are ready to help you with all your coverage needs.

Without the right knowledge, choosing a suitable health insurance plan can be overwhelming. According to a recent industry study, around 12% of Americans are not confident about selecting an appropriate health plan. However, with a clear understanding of the policy details, you can choose insurance coverage that suits your budget and family health.

Taking this into account, the following are a few vital questions you need to ask when shopping for health insurance.

1. How Much Will Medical Care Cost?

Before buying health insurance, you should know the upfront cost of premiums, deductibles, and out-of-pocket-limits. According to a Kaiser Family Foundation report, the average annual premiums for single coverage in 2019 were $7 188.

A premium is the total cost of a health insurance policy. Most insurers allow policyholders to pay their premiums in regular installments, with the most common payment cycle being monthly. A deductible, on the other hand, is the amount you pay before the insurance starts providing certain benefits, while the out-of-pocket limit is the maximum amount of money you’d need to pay for a named peril. For instance, if a procedure requires you to pay $40 000, and your -out-of-pocket maximum is $4,000, you’d only need to pay$4,000 out of pocket.

2. What Type of Plan Is It?

Before you buy health insurance, determine whether it is a managed care system or an indemnity health plan. Indemnity health plans allow you to choose your doctors. Besides, you only cover part of the health care cost while the insurance company covers the rest. On the other hand, managed health care involves a Preferred Provider Organization (PPO) or Health Maintenance Organization (HMO). Under an HMO plan, your employer pays a fixed fee for healthcare service. However, you can only use in-network providers. In contrast, the PPO system allows you to use out-of-network providers, but at a fixed cost.

3. What Benefits and Perks are Included in the Policy?

Besides improving your health, additional health insurance benefits can help you save money. With this in mind, you should find out whether or not an insurer offers extra benefits such as eye care and dental services. More importantly, make sure to take maximum advantage of such benefits.

4. Does the Insurance Cover Routine Examination?

Considering how some health conditions require routine checkups, you should determine whether a policy covers the same. Examples of such conditions include, among others, mammograms, immunizations, and pap tests.

5. Does The Plan Have Restriction On Pre-existing Conditions?

Some insurance policies will not cover health expenses if your family has a history of a chronic condition. According to the Centers for Disease Control and Prevention (CDC), 60% of American adults have chronic diseases. Enquire if the pre-existing conditions are excluded from the policy. Some plans may require you to contact your doctor within 24 hours before going to the hospital, failing which the insurance won’t cover the cost.

Thus, before you buy health insurance, answer these health plan questions, and make your decisions accordingly. For more questions related to health insurance, contact the experts at First Insurance Solutions. We will assist you with all your coverage needs.

Workers’ compensation insurance is meant to cover the costs resulting from a work-related injury, illness, or death. However, employers, too, can benefit from this type of liability coverage. Perhaps the most obvious benefit of workers’ compensation insurance for employers is that it protects them from being sued by an employee for a work-related injury, illness, or death.

Here’s a detailed look at the three ways in which workers’ compensation benefits employers.

1. Creates a Safer Work Environment

Ranging from lost productivity to recruiting and onboarding costs, the costs resulting from a workers’ comp claim can add up quickly, causing your business to experience substantial financial losses. It costs an average of $400 and $1,300 to onboard and train an employee, respectively, as reported by the Association for Talent Development.
Moreover, an unsafe work environment is likely to cause adverse psychological and physical effects on your employees, leading to decreased employee productivity. For example, more than 25% and 50% of injured workers tend to suffer from depression and anxiety, respectively, according to a recent study. Of course, more workplace accidents mean higher workers’ comp costs and vice versa. Thus, workers’ comp costs can incentivize employers to create safer work environments for their employees, which would, in turn, assure greater employee productivity and increased returns.

2. Prevent Lawsuits

Suppose your business lacks workers’ compensation insurance coverage. In that case, if your employees and their loved ones sue you in civil court for a work-related injury, illness, or death, it can prove to be expensive. The average workers’ compensation settlement in the U.S. amounts to around $20,000. This means that if you were to lose such a lawsuit, the resulting financial loss could easily ruin your business. Additionally, it could open you up to a criminal investigation. One of the main benefits of workers’ compensation for employers is that it protects you from such lawsuits, reducing the possibility of complicated legal problems.

3. Improves Regulatory Compliance

As a business owner, you contribute to the economy not only by creating jobs but also by promoting trade. Being a productive member of society, you most likely would not wish to be on the wrong side of the law, especially because of your business activities. However, failure to carry workers’ compensation insurance coverage is a surefire way to get into legal trouble. Remember, nearly all states in America require employers to carry workers’ compensation insurance, meaning most states across the country have a workers’ comp program. While the specific workers’ comp laws may vary across state lines, the general penalties for violating workers’ comp laws include fines and/or prison time.

Thus while workers’ comp will ensure that your company is protected from financial loss, it will also assure your employees that their needs are being taken care of, thus promoting an environment of peace and security throughout the organization.

Do you have any additional questions about business insurance? Contact the experts at First Insurance Solutions. We are ready to help you with all your coverage needs.

When shopping for homeowners insurance coverage, it is easy to make buying mistakes, especially when one bases their decisions on assumptions rather than on concrete facts. Many consider home insurance an unavoidable necessity imposed by their banks, rendering little or no attention to its adequacy or underlying conditions. Thus, they make ignorant choices and are shocked to find themselves under or even uninsured against certain perils.

To avoid such unpleasant last moment surprises, here are the three most common mistakes you must avoid while buying homeowners insurance.

Mistake #1 – Assuming a Standard Homeowners Policy Also Covers Mold, Flood, and Sewage Backup Damage

Typically, a standard homeowners insurance policy does not cover damage resulting from mold, sewage, and weather-related water damage. For example, suppose your home is located within a designated flood zone. In that case, your mortgage lender will most likely require you to purchase an additional home insurance policy called a flood insurance policy. The same is true if your property is near a large water body such as an ocean, canal, river, or lake.
Take note that even if your mortgage lender does not require you to have flood insurance, you should carry it if your property is located near any of the aforementioned water bodies. Besides flood insurance, you should also purchase mold insurance and sewage backup coverage, which is usually relatively inexpensive, with annual premiums starting from as low as $50.

Mistake # 2 – Assuming Your Deductible is a Fixed Amount

A deductible is one of the main features of a standard homeowners insurance policy. It is a specified amount of money that you will have to pay upfront when you file a homeowners insurance claim. It is worth noting that your deductible determines your annual premiums. More specifically, a higher deductible means lower annual premiums and vice versa. Besides your deductible, your credit score will also determine the cost of your homeowners insurance coverage.

Similar to a deductible, a higher credit rating means lower annual premiums and vice versa. For this reason, you should make it a habit of going through your credit report regularly to ensure it is accurate. If you file a homeowners claim, your insurer could change your deductible from a fixed amount to a percentage of your home insurance policy. This percentage could be as high as 15%, so make sure to go through the fine print carefully to avoid unpleasant surprises.

Mistake # 3 – Not Leveraging Discounts Programs

To entice and retain policyholders, many home insurance companies offer a variety of discount programs. In most cases, such programs apply to a wide range of things including, among others:

• Using safe building materials
• Installing a home security system and features such as deadbolt locks and surveillance system
• Installing home safety system such as fire alarms
• Purchasing different policies from the same carrier

If you have done any of these things, make sure to take advantage of the relevant discount program.
While planning to buy a new home, pay careful attention to all the details mentioned in your homeowners insurance policy. If you have been living in the same house for a while, it is high time to review your current coverage against more feasible options. In either case, knowing your unique needs and evaluating your coverage options will help you avoid these common mistakes while buying homeowners insurance.

If you want to learn more about home insurance policy, contact the experts at First Insurance Solutions. We will assist you with all your coverage needs.

Currently, there are about 200 million online consumers aged 14 or older. Out of these, 5 million are yet to celebrate their first anniversary as online shoppers, according to eMarketer. Moreover, Nasdaq projects that around 95% of all purchases in the U.S. will happen online by 2040. Such numbers make e-commerce an attractive proposition for both established and fledgling entrepreneurs alike. However, the e-commerce space can be complicated, especially when it comes to business insurance. Of course, with the right knowledge, this does not necessarily have to be the case.

Here are three key e-commerce business insurance questions and answers to help boost your knowledge base.

Is E-commerce Business Insurance Coverage Essential?

An online business offers myriad benefits including, limited overheads, relatively low startup costs, a wide reach, and the ability to scale quickly. However, similar to a traditional brick-and-mortar store, an online store to comes with its own set of business-related risks, including data breaches, shipping logistics, damaged inventory, and product liability lawsuits. Therefore, getting e-commerce business insurance has become essential for an online store.

What are the Most Important Business Insurance Policies?

Irrespective of your service/product offering, you’ll need to carry some key business insurance coverage. Examples of these much-have policies include:

• Cyber liability – This policy covers the financial losses associated with data breaches, including legal costs, compensation, as well as the costs of replacing or retrieving data lost due to a cyber-attack event. With cybercrimes becoming increasingly common in the recent past, this coverage is vital. To give you an idea, cybercrime is a growth industry that will cost businesses around $6 trillion every year by 2021, as reported by Cybersecurity Ventures.

• General liability – This insurance policy covers third-party property damage, bodily injury, and financial loss. Additionally, if your online company loses a liability lawsuit, it will cover the incurred legal costs.

• Product liability – Product liability describes the responsibility that you, as a seller, may have if you sell a defective product that either injures or kills a customer. It is worth noting that the median compensatory award in product liability lawsuits is around $1.5 million, according to a recent study by the Jury Verdict Research. This means it is a good idea to carry product liability insurance.

• Professional liability – This business insurance policy covers risks such as design errors and copyright infringement

How Do I Determine My Online Business’s Insurance Needs?

One of the strategies you can use to determine your online business’s insurance needs is to work with an insurance agent, especially an experienced agent who specializes in your niche market. Discuss your business model and its specific requirements with your insurance agent. They can help you compare and research multiple types of e-commerce insurance coverage policies, added policy benefits, premiums, etc. from your preferred insurance carriers quickly. As your business expands and flourishes, your agent can help you to update your policy and get suitable coverage.

When choosing business insurance for your online stores, keep these three eCommerce business insurance questions and answers handy. First Insurance Solutions offers unmatched, customized solutions to increase indemnity against personal and business risks. We aim to provide online businesses with the best-rated, reliable insurance policies that match their specific needs and budget. For more information on insurance for eCommerce business, contact us today.

In the US and globally, floods are not only deadly but also expensive. To give you an idea, hitting the US Gulf Coast in 2005, Hurricane Katrina caused 1,800 deaths and about $161 billion in property damage, according to the National Oceanic and Atmospheric Administration (NOAA). Other recent floods that have caused billions of dollars in damage include Hurricane Harvey and Hurricane Maria, with total costs of $125 billion and $90 billion, respectively, as per the NOAA. In light of these numbers, flood mitigation is vital. Keeping this in mind, here’s a look at flood mitigation.

Goals of Flood Mitigation

According to the Federal Emergency Management Agency (FEMA), flood mitigation aims to achieve two main objectives. These objectives include:

• mitigate the potential economic losses and threats to public safety and health linked to flooding
• preserve and restore the natural and beneficial resources and functions within areas prone to flooding

Types of Flood Mitigation Strategies

In general, flood mitigation strategies fall into two broad categories, including structural and non-structural strategies.

Structural Strategies

In essence, these aim to reduce the impact of flooding by reconstructing landscapes. Examples of such strategies include:

• Wet flood-proofing – Typically used for buildings and other structures, this is one of the most common small flood mitigation techniques. It entails creating flood openings/vents that direct water through typically uninhabited areas, such as basements and crawlspaces, which are typically located below a building’s elevation level. By allowing water to flow through a building, these vents prevent the build-up of hydrostatic pressure, and therefore, help minimize the risk of structural damage to a building. It is worth noting that the law requires buildings in certain FEMA-designated flood areas to have these openings.

• Dry flood-proofing – Contrary to wet flood-proofing, dry flood-proofing protects a building by preventing water from getting into a building. As such, dry flood-proofing entails waterproofing a building’s envelope. Some of the techniques you can use to achieve this goal include installing water-resistant doors and windows or placing water-resistant shields over your doors and windows, and applying a waterproof sealant to your home’s exterior. Big flood mitigation techniques here include the use of floodwalls or constructing temporary barriers around your home to keep floodwaters at bay. When constructing a floodwall, ensure you create an escape route for floodwater. Additionally, before you build a floodwall, ensure you check with your local code enforcement because you may need specific approvals, including construction permits.

It is worth noting that as old floodgates and dams have failed, structure solutions have become increasingly unpopular.

Other Strategies

These strategies entail evacuating people and property from flood-prone areas to reduce the damage or constructing communities that are at lesser risk from floods. These include:

• Elevated Structures- Buildings with higher elevation are protected from flood damage due to the water flowing from the piers/columns used to elevate the house.
• Property Buyouts – Communities remove development from areas prone to flooding by purchasing properties from willing owners.
• Relocation- Permanent relocation may be an option for people who live in high-risk flood-prone areas.
• Building Codes- Buildings and houses constructed according to disaster-resistant building codes can prevent loss of lives and property in flood-prone areas.

As floods become increasingly devastating and costly in the US, you can use these flood mitigation techniques to protect your property. Equally important, you should carry flood insurance coverage. Contact the experts at First Insurance Solutions if you want to learn more about the home insurance policy. We will assist you with all your coverage needs.

Wildfires are among the leading cause of home destruction in the State of California. To give you an idea, the US Forest Service recorded about 7,860 fires in 2019 alone. Unfortunately, it is common for home insurance companies to cancel home insurance policies for properties located in high-risk areas. For example, between 2015 and 2019, home insurance companies declined to renew or offer new home insurance policies for nearly 9,000 properties located in the wildfire-prone counties, including Orange County to Lake Tahoe, as reported by the New York Times. However, even if your insurer drops you, you should take the necessary measures to protect your property.

Some of the measures you can take to get back your homeowners insurance after being dropped include:

Dispute the Cancellation

Despite the reason behind the cancellation, there’s still a chance for your homeowners insurance cover to be reinstated. This won’t be an easy process, but there is no harm in trying. To be precise, simply file a dispute to the insurance company if you think your insurer has canceled your policy illegally. However, make sure you have strong evidence to defend yourself before the insurer. For example, your Comprehensive Loss Underwriting Exchange (CLUE) report should indicate a good track record of your coverage. In case you’ve filed multiple claims in the past, getting your coverage reinstated may be difficult.

Make the Required Repairs

Data from Statista shows that home remodeling expenses in the U.S. amounted to about $330 billion in 2019 alone. This shows just how seriously insurance companies take repairs. As a result, the only way to get your home insurance renewed is to conduct the necessary maintenance pointed out by the insurance company during the home inspection. In particular, old roofs are a disaster waiting to happen, which may cause the insurance company to cancel your policy. Therefore, make sure you repair the roofs, sinks, fixtures, and tiles to get your coverage back.

Relocate to Safer Zones

In 2019 alone, at least 90 natural disasters happened in the US, with severe thunderstorms occurring about 49 times, as per Statista. In this regard, some states are more prone to natural calamities than others. For instance, the State of Florida has experienced more hurricanes than any other country in the US, as published by the Information Insurance Institute (III). For this reason, relocating to safer cities such as Clermont, Florida, can save you from disasters such as wildfires, earthquakes, hurricanes, and thunderstorms, and help get your homeowner insurance coverage back.

Switch Insurers

Sometimes, the insurer may fail to renew your coverage even after filing a dispute and repairing your house. At this point, opting for another insurer will be appropriate. According to the National Oceanic and Atmospheric Administration (NOAA), there are over 2,500 homeowner’s insurance carriers in the U.S. With this much competition, it is relatively easy to switch insurance companies. However, if you switch insurers due to this, expect a higher cost of homeowners insurance and rates. A government Plan might also be an option to cover your home.

If your home insurance company drops you, take these measures to ensure your property is always insured. Additionally, contact the experts at First Insurance Solutions if you want to learn more about the home insurance policy. We will assist you with all your coverage needs.

Data from Statista show that Americans bought more than 6 million cars by the end of 2018, and more than 270 million vehicles were traveling on American roads, including, among others, trucks, buses, motorcycles, and passenger cars. Take note that the majority of these vehicles run on gas or diesel fuel, which means gas is a major business in the US. To give you an idea, per the National Association of Convenience Stores (NACS), more than 122,000 convenience stores are currently selling gas and diesel fuel in the US, generating more than $200 billion sales every year.

This is in addition to over 11,000 stand-alone gas stations across the US that also sell gas and diesel fuel. Still, like any other business, gas stations, too, require insurance coverage to protect themselves from business-related risks. Read on to learn more about insurance plans for gas stations.

General Liability

Under the law, general liability insurance coverage is optional. However, as the owner of a gas station, you should carry this type of insurance because, as the name suggests, general liability coverage protects your gas station against everyday events and hazards including, among others:

• Medical expenses
• Third-party property damage and medical expenses
• Legal costs

As you’re probably aware, there are many potential hazards at a gas station. For example, at no fault of a customer, a pump can malfunction and spill fuel, igniting a fire that damages the customer’s vehicles. In such a situation, your liability insurance coverage would pay for the resulting third-party property damage and medical expenses, if any.

Business Owners Policy (BOP)

Consisting of general liability and other types of asset protection policies, a BOP is usually a particularly important coverage because it covers your business against financial challenges and losses of business assets. Some of the named perils on a typical BOP include:

• Equipment Breakdown – In the event your gas station equipment breaks down, a BOP will cover the repair or replacement costs.

• Buildings and Contents – A BOP covers both movable and immovable assets. In other words, it covers both the building structure and the property inside the building, including interior furnishings. This means that if a named peril, such as an accidental fire burns your gas station store to the ground, your BOP policy will cover both your property and building losses. If the extent of damage forces you to close your business till the repairs are finished, both your repair cost and loss of income are covered by BOP.

• Loss of Electronic Data – If you use digital technology to run your gas station, such as an inventory management system and accounting software, there is a risk you may lose your data due to cyber attacks or hardware failure. This can force you to spend a significant amount of money to recover or restore your data. However, with a BOP, you wouldn’t necessarily have to pay for these costs out-of-pocket.

• Employee Dishonesty Coverage – At a gas station, employee dishonesty comes in many different forms ranging from stealing money from the cash register to fuel theft. Employee theft accounts for nearly 40% of all retail losses, as reported by Retail Knowledge. Fortunately, a BOP can protect your gas station from losses related to employee theft.

Workers’ Compensation

In addition to liability insurance and BOP, you also need to carry workers’ compensation insurance to cover the medical costs related to workplace injury or illness as well as to comply with the law.

Investing sufficiently on your insurance for gas stations can protect you from incurring heavy losses in the future. Do you have additional questions about gas station insurance? Contact the experts at First Insurance Solutions today. We are eager to help you with all your coverage needs.

Whether you are an established business or a small start-up, having a business insurance policy is a must. Business insurance can provide coverage for your company against property damage, employee-related risks, legal liability, and damages caused by theft and natural calamities. Despite knowing the importance of having business insurance, some companies refuse to buy it due to the high premium rates. Business insurance rates won’t be expensive for all companies and vary for every company depending on several factors.

Here are the factors that influence business insurance rates:

Your Property

Your business insurance rate differs depending on your property’s location and what you do on and with your property. The former helps determine your surrounding, and the latter enables the evaluation of associated business risks. Insurance providers will also assess the condition of your company’s building before calculating your premium rate. You will need to pay higher premiums if your roof is not in good condition or live in an area that is more likely to cause weather-related damages.

However, you can lower your premium rates by switching to a different location, outsourcing any risky tasks, or fixing your property.

Workers’ Compensation

Having workers’ compensation insurance is essential to compensate your employees for work-related injuries and deaths. Your premium rates may vary based on how much you pay for your employees and what they do for a living. Your insurance provider will also verify your payroll statement.

To lower the premium cost, take the necessary actions that can prevent workplace injuries and accidents. You can train your employees on the rules they need to follow for safe working. Make sure your employees drive safely and wear personal protective equipment if required.

You can appoint managers to monitor your employees and make sure they are safely carrying out all tasks. Screen your employees’ health regularly and replace or repair old equipment and machines to avoid workplace accidents and injuries.

Business Liability

Your liability varies depending on the type and size of your business. Carpenters, hotels, and computer programmers have different liability classifications on their insurance policies.

Insurance providers will verify your sales and payroll statements. Higher sales result in higher liability. More sales mean more customers will come to your company or site. Even if one thing goes wrong, it affects all of them, so your premium rate increases.

You can lower your premium rates by hiring experienced workers, having safety policies in place, and training your employees on safety standards.

One of the crucial factors your insurance provider will look for is how safe your company is. If you run your business without frequent interruptions or losses, insurance providers will consider you less risky and oblige to offer coverage.

Run your business with best practices, work on these factors, and save some cash on your business insurance rates. Are you looking for an affordable business insurance policy? Contact the experts at First Insurance Solutions today. We look forward to assisting you with all your insurance needs.

Your business might have commercial auto insurance to protect your employees and company vehicles from accidents, collisions, theft, and vandalism. However, do you know your employees’ driving record and experience can impact your premium rates and reject claims in certain situations? Many companies hire employees randomly and experience personal injury lawsuits or pay higher premiums. When hiring a new employee for operating your company vehicles, check everything about their driving, including:

Experience or Driving Record

It is essential to thoroughly check the employee’s driving record and experience and make sure their driving history is clean or does not feature any serious violations. If they are inexperienced or faced warnings for violating the traffic or driving rules, your insurance claims might get rejected, or you may end up paying higher premiums.

Contact Previous Employers

You can contact the employee’s previous employers and ask about their driving record while working with them. Such communication will help you get some handy information about the employee, and you can decide accordingly.

Prior Experience

Check if the employee has any prior experience in operating any other vehicle than their own.
Besides these, you must watch out for these red flags as well before hiring a new employee:

Speedy Driving

Going beyond the speed limit is illegal and can result in penalties and suspend the driving privileges for up to one year. Two or more tickets a year on the driving record for speedy driving is a sign of violation you must consider.


Either driving while impaired by drugs (DWI) or driving under the influence of alcohol (DUI) is a crime and results in penalties. If your prospective employee has been warned or penalized for this reason, you should reconsider hiring them or ask the reason behind that incident.

Excessive Acceleration

Accelerating too quickly or fast can be dangerous, as it causes unwanted noise, which can disturb or divert others and may result in accidents or collisions. Excessive acceleration is illegal and considered a violation. Check if your prospective employee has got previous warnings related to such issues.

Lost or Inactive Driver’s License

You must check whether the employee has a valid driver’s license. As per the law, every driver should have a valid driving license. If an employee involved in a car accident does not have a license, your insurance won’t cover the accident and pay for the damages.


Check for any accidents on the employee’s driving record, both professionally and personally.

If you want to avoid paying higher premiums, being liable for the damages, or any unnecessary hassles, make sure to check these things before hiring a new employee.

Hiring an employee who has a clean driving record ensures that you are hiring a responsible person to operate your company vehicles, which can save you time and money in the long run. Are you looking for the best affordable commercial auto insurance? Contact the experts at First Insurance Solutions today. We are ready to answer all your insurance-related questions and help you with your coverage needs.