If you place accounts for businesses that provide advice, design, or hands-on services, they face the risk of being held professionally liable for mistakes or omissions. First Choice Insurance Intermediaries, Inc. offers a flexible Miscellaneous E&O (Errors & Omissions) Professional Liability program tailored for start-ups and small businesses across a wide range of industries.
Overview of the Program From First Choice
This program helps agents place Miscellaneous E&O for businesses that may not fit traditional professional liability molds. You can quote and issue many accounts quickly—often in 20 minutes or less—directly from your office. First Choice provides access to multiple markets (including some admitted options), fast turnaround, and underwriting guidance geared to small commercial professional risks.
Ideal Accounts and Appetite
The program targets more than 200 professional classes across these broad sectors:
- Architecture & Engineering
- Consulting
- Creative & Design
- Financial Services
- Health, Beauty & Fitness
- Legal Support Services
- Marketing & Public Relations
- Business Services
- Real Estate
- Technology
For the complete list of eligible professions, see the Appetite Guide. Typical fits include newly formed consulting firms, freelance professionals, creative agencies, small tech shops, and other start-ups that need fast, straightforward professional liability protection.
Coverage Highlights and Advantages
Policies placed through this program protect insureds against financial loss resulting from errors, omissions, or negligent acts in the performance of their professional services. Key features include:
- Third-party economic and financial loss coverage
- Optional bodily injury and property damage coverage, where available
- Fast quote-to-bind turnaround—most submissions process in under 20 minutes
This makes the program well suited to small operations that need quick proof of coverage for client contracts or to manage growing exposure.
Underwriting and Submission Process
Submissions are designed to be simple. Many accounts can be quoted and bound from your desk using the online quoting portal or by contacting First Choice underwriting. If you are not yet appointed, submit your W-9, state license, and E&O certificate along with the Producer Appointment Form to [email protected] to get appointed.
Territories and Availability
The 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. Some admitted market options exist depending on class and state.
Why Work With First Choice
First Choice Insurance Intermediaries, Inc. is a wholesale broker focused on delivering fast, practical solutions for Miscellaneous E&O. Their strengths for agents include broad market access, experience with small business/professional risks, and a rapid quote-and-bind workflow that helps you close business and satisfy client requirements without unnecessary delay.
Example placements you might submit: a newly launched digital marketing agency that needs professional liability to meet client contracts, or a solo business consultant purchasing their first E&O policy to protect against advice-related claims.
Click here to get started
Not appointed with First Choice yet?
Please send a copy of your W-9, state license, and E&O certificate along with our Producer Appointment Form to [email protected].
For more information, please visit www.firstchoiceii.com.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is designed for start-ups and small businesses in consulting, creative services, technology, real estate support, marketing, and many other professional service categories—over 200 classes in total.
How quickly can I get a quote and bind coverage?
Most eligible submissions can be quoted and issued within 20 minutes directly from your office using the portal or through First Choice underwriting.
Are both admitted and non-admitted markets available?
Yes. Some admitted markets are available depending on the specific class and the insured's state; non-admitted options are also used to expand capacity and flexibility.
What documentation is needed to get appointed with First Choice?
To become appointed, submit your W-9, state license, proof of E&O, and the completed Producer Appointment Form to the address on the form or to [email protected].
Is this program available in all states?
No. The program is available in a defined set of states (including CA, FL, NY, TX and others). Check the state availability list above to confirm eligibility.
Need help placing an account? Connect with a market specialist.