Miscellaneous Business Services Program from First Choice Insurance Intermediaries, Inc.
First Choice Insurance Intermediaries, Inc. offers a flexible, wholesale program for a broad range of professional and administrative service providers under the Miscellaneous Business Services category. Designed for agents and brokers placing non-standard or niche service risks, the program gives access to both admitted and non-admitted markets so you can place hard-to-fit accounts with more carrier options and underwriting support.
Ideal Accounts and Target Classes
This program targets small to mid-sized firms that provide specialized or administrative services. Typical classes include:
- Answering and paging services (GL square footage cap: 35K)
- Auctioneering
- Business manager services
- Event planning and promotion
- Executive placement (GL square footage cap: 35K)
- Life, career, and executive coaching
- Personal concierge / assistant services
- Project management consultants
- Recruiting and employment placement (GL square footage cap: 35K)
- Talent agencies (GL square footage cap: 35K)
- Training providers (business, vocational, or life skills)
- Translation and interpretation services
- Travel agencies (GL square footage cap: 35K)
- Tutoring services
Many of these classes are underserved in standard markets because of diverse professional liability exposures or mixed operations. First Choice’s wholesale relationships and underwriting expertise make it easier for you to place accounts that need tailored terms.
Coverage Highlights and Program Limits
Available coverage forms include:
- Professional Liability (PL): Revenue eligibility up to $5M
- General Liability (GL): Payroll eligibility up to $3M
- Business Owners Policy (BOP): Revenue up to $3M and up to 35,000 sq. ft.
Liability limits are flexible: the online aggregate limit can be up to $2M, with higher limits (up to $5M) available by phone through underwriting. This lets you match limits to a client’s risk profile and contract requirements.
Underwriting Notes and Program Considerations
Markets are available on both admitted and non-admitted paper depending on class and state. Underwriting is streamlined for many target classes when accounts fall within the stated revenue, payroll, and square footage thresholds. Accounts that combine high professional exposures, significant product operations, or heavy subcontracting may require additional review or be better placed elsewhere.
Example accounts you might place through this program:
- A boutique career coaching firm with $2M in annual revenue operating remotely with no physical office.
- An executive recruitment agency occupying a 30,000 sq. ft. office with payroll under $3M.
There is no single stated minimum premium; however, submissions within the published caps are most likely to be competitive and eligible for online quoting where offered.
Territories and Availability
This 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, TN, TX, VA, WA, and WI. Availability and carrier access may vary by state and by coverage form.
Why Work With First Choice Insurance Intermediaries, Inc.?
As a wholesale broker, First Choice brings broad market access and specialty underwriting experience for miscellaneous service risks. Agents benefit from:
- Access to both admitted and non-admitted markets for more placement options;
- Underwriting teams familiar with niche professional exposures and mixed operations;
- Flexible limit and form options to meet contract or client-specific needs;
- Responsive placement support for accounts that have been difficult to place in standard markets.
To review First Choice’s full company profile and other programs, visit the First Choice Insurance Intermediaries, Inc. company profile.
Frequently Asked Questions
What types of accounts are a good fit for this Miscellaneous Business Services program?
The program is geared toward small and mid-sized firms offering services such as executive placement, tutoring, project management, coaching, and travel planning. Accounts that fall within the stated revenue, payroll, and square footage limits typically qualify and receive streamlined underwriting.
What are the key eligibility limits for this program?
Professional Liability is typically available for accounts with up to $5M in revenue. General Liability appetite generally extends to accounts with up to $3M in payroll. BOP eligibility is usually limited to businesses with up to $3M in revenue and 35,000 sq. ft. of space.
Is this program offered on an admitted basis?
First Choice can access both admitted and non-admitted markets. Which paper is available depends on the class and the state—your market specialist can confirm options for each submission.
Can I submit accounts outside of the listed target classes?
Yes — submissions outside the listed classes may be considered, but placement is more likely when the business aligns with the program’s core appetite. Contact First Choice for underwriting guidance on unusual or hybrid operations.
Which states is this program available in?
This program is available in 29 states, including CA, FL, TX, NY, and IL. Carrier availability and coverages may vary by state and by coverage form.
Need help placing an account? Connect with a market specialist.