First Choice Insurance Intermediaries, Inc. offers a flexible and fast solution for agents looking to place coverage for landscape, janitorial, and retail service professionals. Through the Hiscox Now platform, you can instantly quote and bind general liability insurance for a wide range of small business classes—perfect for your clients who need quick turnaround times and straightforward coverage solutions.
Overview of the Program From First Choice Insurance Intermediaries, Inc.
This program is designed to meet the liability insurance needs of small businesses in the landscaping, janitorial, and retail sectors. With access to direct bill and the ability to bind coverage online, you can efficiently serve clients across more than 150 professions. First Choice works with both admitted and non-admitted markets, depending on state and class, giving you flexibility when placing risks.
Ideal Accounts and Appetite
This program targets small business operations engaged in:
- Landscape Services: Residential and commercial landscaping, snow removal, chimney and gutter cleaning.
- Janitorial Services: Residential and commercial interior cleaning, exterior cleaning, and dryer vent cleaning.
- Retail Operations: Electronic stores, apparel shops, florists, and jewelry retailers.
If you have clients such as a solo landscaper managing several residential properties or a janitorial business cleaning office buildings, this program offers an excellent fit. Small retail store owners also benefit from tailored liability protection under this offering.
Coverage Highlights and Advantages
- Instant online quoting and binding via Hiscox Now platform
- General liability coverage tailored to small businesses
- Direct bill with the carrier simplifies billing and administration
- Access to over 150 professional classes in addition to those listed
- Some admitted markets available, depending on the state and risk class
Underwriting Notes and Minimum Premiums
While no specific minimum premium is stated, the program is built for small business clients with straightforward liability needs. Clean loss histories and low employee counts tend to qualify for the most competitive pricing. Risk characteristics such as high exposure operations, prior claims, or high-risk locations may fall outside of appetite.
Territories and Availability
This program is available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Admitted options are available in some markets depending on the specific class of business and location.
Why Work With First Choice Insurance Intermediaries, Inc.?
First Choice is a trusted wholesale broker offering streamlined solutions for agents seeking fast, reliable placement for small business liability accounts. Their partnership with Hiscox Now enables you to serve more clients with speed and confidence. Whether you're placing a boutique florist or a snow removal contractor, First Choice gives you the tools to quote, bind, and grow your book.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small businesses in landscaping, janitorial services, and retail—including residential landscapers, commercial cleaning services, and boutique retail shops.
Can I bind coverage online?
Yes, Hiscox Now allows you to quote and bind liability coverage instantly online for eligible classes.
Are admitted markets available?
Yes, admitted markets are available in some states and for certain risk classes. Availability depends on the location and business type.
Is this program available in my state?
The program is available in over 25 states, including CA, FL, TX, NY, and more. Check the full list above to confirm availability.
What types of cleaning services are eligible?
Eligible janitorial classes include residential and commercial interior cleaning, exterior cleaning, and dryer vent services.
Need help placing an account? Connect with a market specialist.