Cyber Security Insurance Program from First Choice Insurance Intermediaries, Inc.
First Choice Insurance Intermediaries, Inc. offers a Cyber Security Insurance program designed for agents and brokers who need competitive placement options for clients with growing cyber liability exposures. Through access to top-rated carriers and broad nationwide availability, the program can deliver both first- and third-party coverage options tailored to businesses of many sizes and industries.
Ideal Accounts and Target Industries
This program is appropriate for virtually any business that uses email, internet access, or stores electronic records containing sensitive customer or employee information. If your client relies on digital systems to run operations or transact with customers, they likely have cyber liability that merits coverage.
Target classes include, but are not limited to:
- Professional service firms (legal, accounting, consulting)
- Retailers and e-commerce businesses
- Healthcare providers and medical offices
- Educational institutions
- Financial services firms
- Manufacturers with connected systems
Example: You might have a mid-sized law firm that stores confidential client files electronically and communicates with clients by email. That type of account typically fits well because of the heightened ransomware and data-breach exposure.
Coverage Highlights and Advantages
Policies are designed to address a broad spectrum of digital threats and are available on an admitted or non-admitted basis depending on the state and carrier.
First Party Protection
- Loss of Digital Assets coverage
- Non-physical Business Interruption and Extra Expense
- Cyber Extortion and Ransomware response
- Cyber Terrorism coverage
- Security Event response costs (forensics, notification, crisis management)
Third Party Protection
- Network Security & Privacy Liability
- Employee Privacy Liability
- Electronic Media Liability
Underwriting Notes
Deductibles typically start at $2,500 and can be customized to match an insured’s tolerance and risk profile. Our underwriting team evaluates cyber controls, incident history, third-party service dependencies, and regulatory exposure to tailor terms and limits.
The program is flexible and can accommodate small businesses seeking basic protection as well as larger organizations requiring layered or higher-limit solutions.
Territories and Availability
This Cyber Security Insurance program is available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Coverage may be offered on an admitted or non-admitted basis depending on jurisdiction and carrier appetite.
Why Work with First Choice Insurance Intermediaries, Inc.?
As a wholesale broker focused on niche and emerging risks, First Choice Insurance Intermediaries, Inc. gives agents and brokers access to responsive underwriting, a broad set of carrier options, and practical placement solutions. Our team understands how cyber threats are evolving and works to match exposures with appropriate policy language and incident response resources.
Whether you need a standalone cyber policy or want to add cyber coverage to a package, First Choice can help you structure terms and find markets that meet the insured’s needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Businesses that use email, store customer or employee data, or rely on internet-connected systems are strong candidates. Typical fits include professional services, healthcare, retail/e-commerce, education, and financial services.
Is this coverage available nationwide?
The program is available in most states listed above, including major markets such as CA, TX, NY, and FL. Availability and whether a policy is admitted or non-admitted depend on the state and carrier.
What are the deductible options?
Deductibles start at $2,500 and can be adjusted based on the insured’s size, controls, and claim history.
Can I get a quote for a small business?
Yes. The program supports small and mid-sized risks as well as larger accounts. The underwriting team can suggest limits and endorsements appropriate to the client’s exposure.
What makes First Choice a strong partner for cyber liability placements?
First Choice provides experienced underwriters, access to competitive carriers, and a responsive placement process—helping you find solutions for routine and complex cyber exposures.
Need help placing an account? Connect with a market specialist.