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Real Estate Agents Insurance — Errors & Omissions (E&O) Real estate agents, brokers, and property managers face a growing blend of professional and property-management exposures as business models evolve. Donald Gaddis Company offers a flexible Real Estate Agents Insurance program designed to help you place accounts that require tailored E&O protection—especially firms that combine sales, leasing, and third-party property management. Ideal Accounts and Appetite This program is intended for residential and commercial real estate professionals whose operations include one or more of the following: Residential agents with light to moderate property management responsibilities Agents and brokers in resort or coastal markets who manage short-term rentals Commercial brokers seeking E&O with GL-style enhancements Property managers handling residential or mixed-use buildings for third-party owners Typical fits: firms with straightforward transaction volumes, mixed sales/management duties, or programs that need discrete sub-limits for lockbox or environmental exposures. Accounts with high-hazard property management (e.g., full-service multifamily operations with on-site maintenance staff and large tenant rosters) may require specialized markets outside this program. Coverage Highlights and Advantages Donald Gaddis Company places this program with a fluid list of carriers to address common exposures real estate professionals confront, including: Misrepresentation — Defense and indemnity for claims alleging incorrect or incomplete information provided to buyers or tenants. Lockbox liability — Available sub-limits for claims arising from property access issues. Environmental exposures — Protection for undisclosed issues such as septic failures or historical soil contamination. Contractual errors — Coverage for mistakes in contracts, late submissions, or negligent vendor referrals. Property management liability — Defense for suits brought by property owners and tenants related to management services. Tenant discrimination — Offered by select carriers via separate limits or modified exclusions. We work with you to identify policy wording and endorsements that align with each client’s operational footprint and risk appetite. Underwriting Notes and Minimum Premiums Programs are competitively priced and start as low as $400 for many residential agents and approximately $1,000 for commercial agents, depending on location and exposure. Underwriting focuses on transaction volume, prior claims or disciplinary history, property management duties, and whether short-term rentals are managed. Clear, complete submissions with details on management activity, screening procedures, and contracts improve placement speed and market options. Territories and Availability Donald Gaddis Company offers this Real Estate Agents E&O program in most states, including: AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Admitted markets are available in many of these states depending on the risk and carrier appetite. Why Work With Donald Gaddis Company? As a wholesale broker with deep experience in professional liability and real estate exposures, Donald Gaddis Company pairs carrier access with hands-on underwriting guidance. You gain: Access to a fluid panel of carriers that can offer admitted and non-admitted solutions depending on the state and risk Practical placement advice to match coverage form and limits to the client’s duties Assistance negotiating endorsements for lockbox, environmental, and tenant-related exposures Whether your client is a suburban residential agent adding property management, a coastal agent managing short-term rentals, or a commercial broker seeking E&O with GL-style enhancements, Donald Gaddis Company helps you identify the right market and policy language. Example Account Scenarios You have a small residential brokerage in a beach town that lists homes and manages several short-term rentals for absentee owners — this program can provide E&O with lockbox and environmental considerations. You represent a commercial broker who performs leasing and property oversight for several mixed-use properties and needs E&O with property management liability included — we can target carriers that offer those combined features. Frequently Asked Questions What types of accounts are a good fit for this program? Residential agents, commercial brokers, and property managers with light to moderate management duties—especially those with mixed sales and management roles—are an excellent fit. Does this program include tenant discrimination coverage? Yes—some carriers in our panel offer tenant discrimination coverage via separate limits or modified exclusions. We’ll identify the appropriate carrier during placement. Are both residential and commercial agents eligible? Yes. We place both residential and commercial real estate professionals; minimum premiums and available enhancements vary by account type and location. Is this program available nationwide? The program is available in most states listed above, with admitted markets offered in many of them depending on carrier appetite and the specific risk. Can this policy cover agents who also manage rental properties? Absolutely. The program is designed to cover agents who also perform property management, including short-term rental management in appropriate markets. Need help placing an account? Connect with a market specialist.

Accountant and Bookkeeper Insurance Program from First Choice Insurance Intermediaries First Choice Insurance Intermediaries, Inc. offers a focused insurance solution for accounting professionals through our Accountant and Bookkeeper Insurance program. Built for independent agents and brokers, this program provides targeted coverage for a wide range of accounting services, access to top carriers, and a streamlined quoting process so you can place your clients’ business quickly and confidently. Ideal Accounts and Eligible Professions This program is best for solo practitioners and small to mid-sized firms in the accounting and financial services space. Eligible professions include: Bookkeepers Certified Public Accountants (CPAs) Financial Preparers Management Accountants Risk Advisory Accountants Taxation Accountants We also provide coverage for over 180 additional professional classes. To view the full list of eligible professions, see our Appetite Guide. Ineligible classes include: Financial or pension auditing Mergers and acquisitions consulting Public, SEC, or high net worth auditing Registered financial advising Tax shelter planning Coverage Highlights and Advantages This program includes core coverages designed for accounting professionals: General Liability: $100,000 for damage to premises rented Business Owner’s Policy (BOP): $100,000 for damage to premises rented Professional Liability: Includes third-party discrimination coverage with a $100,000 limit (available for accountant policies only) *BOP coverage is not available in the following states: AK, AL, AR, DE, FL, HI, ID, IA, KS, KY, LA, ME, MS, MT, NE, ND, NH, NM, NV, OK, OR, RI, SC, SD, TN, UT, VA, VT, WA, WV, WY. Coverage is offered on an admitted basis in select states, giving insureds the option of regulated, admitted paper where available. Underwriting Notes We target low- to moderate-risk accounting exposures with clean loss histories. This program is not intended for firms that perform high-risk financial services such as investment advising, SEC-level auditing, or other high-exposure work. Good examples of fit: A small CPA firm that provides tax preparation and bookkeeping for local businesses An independent bookkeeper who contracts with multiple small clients States Where Coverage is Available 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. Please note that availability of specific coverages such as BOP can vary by state and by carrier. Why Work with First Choice Insurance Intermediaries As a wholesale broker, First Choice Insurance Intermediaries, Inc. combines deep expertise in professional liability with market access to top-rated carriers. We focus on responsive service and practical underwriting guidance so you can place accounting and bookkeeping risks efficiently. Whether you are submitting a straightforward solo practitioner or managing a book of small firm accounts, we offer the placement support and admitted/non-admitted options to help you get the business bound. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized accounting firms, CPAs, bookkeepers, and financial preparers with low to moderate risk profiles and clean loss histories. Are there any professions that are not eligible?Yes. The program excludes financial or pension auditors, SEC/public auditors, registered financial advisors, and firms involved in mergers, acquisitions, or tax shelter planning. Is BOP coverage available in all states?No. BOP is restricted in a number of states—refer to the BOP exclusion list above or contact us for state-specific availability. Can I access other professional liability markets through First Choice?Yes. We offer access to more than 180 professional classes through partner carriers. View the Appetite Guide for additional eligible classes. What carriers are used for this program?We work with top-rated admitted and non-admitted carriers depending on state and account profile to provide the best available options for your clients. Need help placing an account? Connect with a market specialist.

Commercial Umbrella Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a robust Commercial Umbrella Liability Insurance program designed to help agents and brokers protect their commercial clients against catastrophic liability losses. This program provides excess limits over the insured’s primary liability policies, including general liability, auto liability, and employer’s liability. It also helps close gaps and exclusions that may exist in the underlying coverage. Ideal Accounts and Appetite This program is well-suited for a wide range of commercial clients who require higher liability limits or who operate with elevated risk exposures. Ideal accounts include, but are not limited to: Contractors and construction firms with multiple job sites Retail businesses with significant foot traffic Distributors and manufacturers with product liability concerns Transportation and logistics companies needing excess auto liability Hospitality businesses such as restaurants or event venues with liquor liability exposures If you have a client with a growing operation or a high public exposure, this umbrella product can provide the additional peace of mind they need to operate confidently. Coverage Highlights and Advantages The commercial umbrella policy from First Choice can provide: Worldwide coverage Personal injury protection Blanket contractual liability for both written and oral contracts Care, custody, and control coverage Non-owned aircraft and watercraft liability Advertisers and liquor liability XCU (explosion, collapse, underground) liability Extensions of coverage to additional insureds This policy is designed to pick up where primary policies leave off, offering critical protection in high-severity loss scenarios. The umbrella can also respond when certain exclusions in primary policies might otherwise leave the insured exposed. Underwriting Notes and Deductibles The program requires underlying primary third-party liability coverage to be in place. Deductibles apply based on the underlying policy terms and limits. Premium financing is available, making this program an accessible option for a wide range of clients. While there is no fixed minimum premium listed, the program is structured to be competitive and flexible depending on the risk profile. Contact First Choice for underwriting requirements on specific accounts. Territories and Market Access First Choice Insurance Intermediaries, Inc. offers access to this program 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. Coverage is available in both admitted and non-admitted markets depending on the risk and jurisdiction, allowing flexibility to meet diverse client needs. Why Work With First Choice Insurance Intermediaries, Inc.? As a wholesale broker, First Choice brings deep market access and underwriting expertise to help you place challenging or high-limit liability accounts. Their umbrella liability product is designed for flexibility, with broad coverage and support for a wide range of industries. Whether your client operates nationally or regionally, First Choice can help you secure the protection they need to safeguard their business against large-scale liability exposures. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?This program is ideal for contractors, manufacturers, distributors, transportation firms, retailers, and hospitality businesses with significant liability exposures or the need for higher coverage limits. What underlying coverages are required?Insureds must carry primary liability policies such as general liability, auto liability, and employer’s liability. These serve as the foundation for the umbrella policy to provide excess coverage. Is premium financing available?Yes, premium financing is available to help make coverage more accessible for your clients. Is this coverage available in admitted markets?Some markets within this program are admitted, while others are non-admitted. Availability depends on the state and the nature of the risk. In which states is this program available?This Commercial Umbrella program is offered in 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. Need help placing an account? Connect with a market specialist.

CondoPak is a specialized insurance package offered exclusively by New Empire Group, designed for small to medium-sized superior quality Condominiums, Cooperatives, and Community Associations. With coverage available for properties up to $25 million in total insured value, this program is ideal for agents seeking a dependable market for residential associations requiring comprehensive property and general liability protection. New Empire Group has built this program with flexibility and speed in mind. Our responsive underwriting team provides fast turnaround times, while our broadening endorsements allow you to tailor coverage to meet your clients’ specific needs. With admitted coverage available in all listed states and backed by HDI Gerling, this program delivers a strong combination of security and service. Program Features: • Earthquake Coverage • Ordinance or Law Coverage • Backup of Sewage and Drains / Water Damage • Equipment Breakdown • Employee Dishonesty • Flood - NY Only (Available everywhere shortly!) Construction types must be Fire Resistive or Joisted Masonry—frame construction is not eligible for this program. Through our in-house access, we can also provide additional coverages such as Commercial Umbrella Insurance Limits, Directors & Officers (D&O) Liability, Environmental Pollution Insurance, and Cyber Liability Insurance—offering agents a one-stop solution for community association risks. Ideal Accounts: This program is targeted toward well-maintained residential associations that meet high construction standards. Examples include: Superior quality condominiums in urban or suburban areas Mid-sized cooperative buildings with professional management Community associations with modern amenities and risk management protocols Territories and Availability: CondoPak is available in the following states: AL, CT, DE, GA, IL, IN, KY, ME, MD, MA, MI, MS, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, WV, and WI. All coverage is offered on an admitted basis. Why Work With New Empire Group: New Empire Group is a trusted Program Administrator with deep expertise in community association risks. Our value-added underwriting, quick response times, and access to specialty markets help agents secure competitive solutions for their clients. Whether you're placing a newly constructed condo association or a well-established cooperative, we offer the tools and support to help you succeed. For more information about our Property and General Liability Insurance Package Program for Condominiums and the additional products that we offer at New Empire Group, please give us a call or send us an email. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized condominiums, cooperatives, and community associations with superior construction quality (Fire Resistive or Joisted Masonry) and up to $25 million in total insured value. Is frame construction eligible for coverage?No, this program does not accept frame construction. Only Fire Resistive and Joisted Masonry buildings are eligible. What additional coverages are available?Agents can access optional coverages such as Commercial Umbrella, D&O, Environmental Pollution, and Cyber Liability through New Empire Group’s in-house capabilities. Which states is the CondoPak program available in?The program is available in 24 states, including NY, NJ, MA, GA, and more. All coverage is provided on an admitted basis. Who is the carrier backing this program?The program is backed by HDI Gerling, offering stable and reliable admitted coverage options. Need help placing an account? Connect with a market specialist.

Commercial Inland Marine Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a comprehensive Commercial Inland Marine Insurance program designed to meet the needs of businesses with property exposures that move or are not confined to a fixed location. This program is ideal for hard-to-place inland marine risks and provides flexible coverage options for agents and brokers seeking specialized solutions for their commercial clients. Ideal Accounts and Target Classes This inland marine program targets a wide variety of industries and property types. Coverage is available for both small and mid-sized accounts and includes first-dollar coverage options. You can confidently place accounts in the following classes: Accounts Receivable Bailee Coverage Builders' Risk Communication Towers and Equipment Computer Coverage Contractors Equipment Commercial Floaters Dealers Inventory Exhibitions and Fine Arts Furriers Installation Floaters Jewelers Block Medical Equipment Motor Truck Cargo Transportation Equipment Trip Transit Valuable Papers Warehouse Legal Liability Whether your client is a contractor transporting equipment between job sites, a fine art exhibitor, or a medical supply distributor, this program offers tailored solutions to protect their mobile assets. Coverage Highlights and Advantages The Commercial Inland Marine program offers broad, inland marine coverage for property in transit, movable property, and items that are difficult to insure under standard property forms. Coverage includes: Property in transit over land Property under construction Computerized equipment Legal liability for bailees Instrumentalities of transportation and communication Many policies are written on a "floater" basis, providing coverage regardless of the property's location. For clients seeking bundled solutions, a Commercial Package option is available, which includes: Commercial Property General Liability Crime Coverage Business Interruption Underwriting and Premium Flexibility For small and mid-size accounts, First Choice offers first-dollar coverage without high deductibles, making this program accessible for a wide range of business sizes. Premium financing is available, helping your clients manage cash flow while securing the protection they need. Territories and Admitted Status This program is available in a wide range of states, including 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. Some admitted markets are available depending on the state and class of business. Why Work With First Choice Insurance Intermediaries, Inc.? As a trusted wholesale broker, First Choice Insurance Intermediaries, Inc. offers access to specialized inland marine markets and underwriting expertise that can help you place complex or mobile property risks quickly and efficiently. Their program is designed with flexibility in mind, ideal for agents and brokers seeking responsive service and comprehensive inland marine solutions across a range of industries. To learn more about the program or to explore appetite for a specific risk, visit the First Choice Insurance Intermediaries company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors, builders, transporters, jewelers, art exhibitors, and businesses with property frequently in transit or located at multiple sites. Is this program available for small businesses?Yes. First Choice offers first-dollar coverage options designed for small and mid-sized accounts, making it accessible for a wide range of business sizes. Does this program include coverage for property under construction?Yes. Builders' Risk coverage is part of the program and is suitable for insuring structures and materials during construction or renovation. Are policies written on an admitted basis?Some admitted markets are available depending on the state and type of risk. Availability varies by jurisdiction and class of business. Which states is the program available in?The program is available in 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. Need help placing an account? Connect with a market specialist.

Overview — Surety & Fiduciary Bond Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a dedicated Surety & Fiduciary Bond program designed for agents and brokers who need a reliable wholesale market for commercial surety, fiduciary and related public official bonds. As a wholesale broker, First Choice helps you place bonds that guarantee contract performance, honest fiduciary administration, and a range of commercial obligations your clients must meet to do business or comply with licensing and court requirements. What this program covers The program includes traditional surety and fiduciary instruments as well as a broad selection of commercial bonds. Below are concise definitions and the core commercial bond types we handle: Surety Bond - A three-party agreement that guarantees a principal will carry out their contractual obligations or compensate the obligee for losses if the principal fails to perform. Fiduciary Bond - Bonds that guarantee an honest accounting and faithful performance of duties by administrators, trustees, guardians, executors and other fiduciaries responsible for managing assets or estates. Commercial Bond Notary public, license and permit bonds; public official, court, probate/fiduciary bonds; Medicare program supplier and contract bonds Bid bonds, payment and performance bonds, material and supply bonds, fidelity bonds for business operations Dishonesty bonds, janitorial service bonds, ERISA pension trust bonds Ideal accounts and target classes This program is aimed at agents placing a wide range of commercial clients, including: Small-to-mid-size contractors requiring bid, performance or payment bonds for municipal or private projects Businesses and professionals needing license, permit or fidelity coverage Trustees, executors, guardians and other fiduciaries who must post probate or fiduciary bonds Service contractors (janitorial, security, suppliers) and organizations needing dishonesty or ERISA bonds Typical accounts: a local general contractor bidding on municipal work, an executor required to post a probate bond, or a notary seeking a state-issued notary public bond. Coverage highlights and advantages Access to multiple surety and fiduciary markets through First Choice’s wholesale distribution Ability to place both standard commercial bonds and specialized public official/fiduciary obligations Streamlined submission process aimed at quick decisions for common bond types Guidance for documentation and underwriting expectations to help you prepare stronger submissions Underwriting notes and submission requirements Underwriting varies by bond type and carrier. Common items underwriters will request include signed applications, financial statements (when applicable), a copy of the contract or court order, and background information on principals. If your submission involves performance or payment bonds, provide project details, contract terms and owner information to speed review. First Choice works with carriers to place bonds efficiently; if you have an unusual exposure or complex project, flag it early so we can route the account to the appropriate market. Territories and admitted status Available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, WI. Admitted availability varies by state and bond type—some bonds may be written on admitted paper in certain states and non-admitted in others. Contact First Choice for state-specific placement options. Why place this business with First Choice Insurance Intermediaries, Inc. Wholesale broker access—multiple carrier relationships for flexible placement options Experienced in both commonplace commercial bonds and niche fiduciary obligations Focused support for agents: clear underwriting checklists and help with documentation to reduce turnaround time If you have a bond submission, prepare the basic documentation outlined above and contact your First Choice wholesaler to discuss appetite, turnaround and any state-specific requirements. Frequently Asked Questions What types of accounts are a good fit for this Surety & Fiduciary Bond program?Good fits include contractors needing bid/performance/payment bonds, individuals required to post probate or fiduciary bonds, notaries and businesses needing license or fidelity coverage, and service providers requiring dishonesty bonds. First Choice focuses on small- to mid-size commercial accounts and common public official obligations. Which states are supported and is coverage admitted?The program is available in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA and WI. Admitted vs. non-admitted availability depends on the bond type and carrier—ask First Choice for state-specific options on each submission. What documentation should I include with a submission?Provide a completed bond application, contract or court order (if applicable), owner/obligee information, and financial statements or references when requested. For contractors, include project dollar values, contract terms and owner contact details to speed underwriting. Need help placing an account? Connect with a market specialist.

CondoPak: Property and General Liability for Community Associations New Empire Group offers CondoPak, a specialized insurance program designed specifically for small to medium-sized condominium and cooperative associations. This admitted program is underwritten by HDI Gerling and provides a comprehensive package of property and general liability coverages tailored to meet the unique risks faced by community associations. Ideal Accounts and Appetite CondoPak is an excellent fit for residential condo and co-op associations that are fire resistive or joisted masonry construction types. The program targets accounts with total insured values up to $25,000,000. At this time, frame construction buildings are not eligible. You might have a client managing a 40-unit brick condominium complex in a suburban market or an urban co-op with fire-resistant construction—these would be strong candidates for CondoPak. Coverage Highlights and Advantages CondoPak includes a broad suite of coverages and endorsements designed to protect both the property and liability exposures of community associations. Key features include: Earthquake Coverage Ordinance or Law Coverage Backup of Sewers and Drains / Water Damage Employee Dishonesty Equipment Breakdown Flood Coverage (if qualified) In addition to standard protections, the program includes property broadening endorsements and the flexibility to customize coverage to meet the specific needs of your insureds. Underwriting Notes The program is written on admitted paper with an "A" rating by AM Best. Eligible buildings must be fire resistive or joisted masonry and fall within the $25 million TIV limit. Frame construction is not currently accepted. While minimum premium information is not specified, agents can expect competitive pricing and underwriting flexibility for qualifying risks. Territories and Availability CondoPak is available in the following states: AL, CT, DE, GA, IL, IN, KY, ME, MD, MA, MI, MS, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, WV, and WI. Why Work With New Empire Group? As a program administrator with deep expertise in real estate and community association risks, New Empire Group provides agents with a streamlined solution for placing condo and co-op business. Backed by a top-rated carrier and built for ease of quoting, CondoPak offers a compelling combination of broad coverage, underwriting insight, and market access. Frequently Asked Questions What types of accounts are a good fit for the CondoPak program?The program is ideal for residential condominium and cooperative associations that are fire resistive or joisted masonry construction, with total insured values up to $25 million. Does the program accept frame construction buildings?No, at this time frame construction buildings are not eligible for coverage under the CondoPak program. Is this an admitted program?Yes, CondoPak is written on admitted paper and backed by an "A" rated AM Best carrier. Which states is the program available in?CondoPak is available in 25 states, including NY, NJ, PA, MA, GA, IL, and others across the Northeast, Midwest, and Southeast regions. Can coverage be customized for specific client needs?Yes, the program includes broadening endorsements and optional coverages that can be tailored to the unique needs of each community association. Need help placing an account? Connect with a market specialist.

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