Jeff Nichols

VP, Loss Control Advisor

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FCB Entire Footprint

Get to know me

First Citizens Insurance Services is built on over 100 years of risk management and insurance experience, enduring values and loyalty to our customer and business relationships. Insurance is a key tool in allowing our customers to accept and transfer risk so that they can grow their businesses and their family’s financial success. We are trusted partners in this endeavor, specializing in assessing risk and protecting the people, businesses and communities we serve, from the unexpected. Our experienced teams will listen to your needs, review coverage and make recommendations to provide you with comprehensive and competitively priced suggestions.

My role as Loss Control Advisor with First Citizens Insurance Services involves working with our commercial clients to identify workplace hazards and establish controls to reduce risks and minimize claims. This results in better premium rates for our clients and increased marketability to our insurance carrier partners. I am a graduate of Fairmont State College (B.S.) and West Virginia University (M.S.).

I have over 20 years of experience in environmental health and safety with a broad-based background in areas such as workplace safety, OSHA compliance, industrial hygiene, fire/life safety, ergonomics, etc. In addition, I am a Certified Fire Protection Specialist by the National Fire Protection Association. Having grown up in the mountains of West Virginia, I enjoy most any outdoor activity, particularly the peace and tranquility of a beautiful trout-filled mountain stream. I also enjoy traveling and have been to Europe and the Caribbean multiple times. Other interests include music, wine making and WVU athletics.

Our Approach

We work with businesses to help them better understand how a potential loss within their business could impact them financially. Our Commercial Risk Advisors consult with decision makers to design an insurance program that helps control the true cost of risk, not just the premium; obtain a balance between coverage and pricing; and provide a suite of value-added services to match the needs of the client.


Loss Control


B.S. Fairmont State College
M.S West Virginia University


Fishing, hiking, kayaking, paddle boarding, nature watching, music, traveling, fitness, sport shooting, wine making, WVU athletics


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