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Finding insurance for vacant buildings is often frustrating for insureds and agents. Many assume a standard policy will continue to provide full protection after a property becomes vacant—but that’s frequently not the case. Without the right program in place, clients can be exposed to avoidable losses. First Choice Insurance Intermediaries, Inc. offers a dedicated Vacant Buildings insurance program designed to place coverage for these specific vacancy exposures efficiently. Vacant Buildings Program Overview First Choice’s Vacant Buildings program provides flexible property and liability solutions for residential and commercial buildings that are unoccupied for an extended period. The program offers monoline property and general liability options, and in many cases can consider a special cause of loss or replacement cost endorsement—important features when the standard carrier has vacancy exclusions or severe limitations. Ideal Accounts and Appetite This program is built for agents placing transitional or short-term vacancy exposures, including: Condo units that are unoccupied between owners or tenants Vacant retail or office spaces awaiting new tenants Rental homes or apartments between leases Residential properties in transition or probate Commercial buildings listed for sale or undergoing tenant turnover Properties undergoing renovation may be considered depending on the scope and controls in place. Typical account examples you may place through First Choice: A small investor with a single-family rental that has been vacant for several months while marketing for a new tenant. An owner of a downtown retail unit that is currently unoccupied while interior renovation and utility shutoffs are scheduled. Coverage Highlights and Advantages No restriction on length of vacancy — the program can accept long-term and short-term vacant risks. Flexible policy terms — choose from 3-, 6-, or 9-month terms to match transitional needs. Special form and replacement cost — may be offered where appropriate and underwriter-approved. Property values up to $5 million are eligible for consideration. General liability limits available up to $1 million / $3 million. Underwriting Notes and Restrictions First Choice evaluates every submission with an emphasis on risk controls and property condition. Accounts that generally do not fit the program include: Properties with planned or scheduled demolition Buildings that have swimming pools on the premises Structures with existing structural damage or unresolved water/ fire damage at the time of application Well-maintained properties with documented controls (secured entry, regular inspections, active utilities as required, monitored alarms where applicable) are the best fit. Territories and Admitted Status This program is available in most states. State availability includes: 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, WI. The Vacant Buildings program is offered on a non-admitted basis in most states, which gives First Choice flexibility to tailor coverage and forms to individual risk profiles. Why Work With First Choice Insurance Intermediaries? First Choice Insurance Intermediaries, Inc. is a wholesale broker experienced in placing hard-to-place and transitional property risks. Their Vacant Buildings program pairs targeted underwriting expertise with responsive service, helping you place accounts that standard admitted markets may decline or restrict. Use this program when you need tailored terms, short-term policy periods, or replacement cost options for vacancy exposures. Frequently Asked Questions What types of accounts are a good fit for this program? This program is ideal for residential or commercial buildings that are temporarily vacant, including rental properties, office or retail spaces, and properties undergoing controlled renovation. Can properties under renovation be covered? Yes. Properties undergoing renovation can be considered depending on the nature and extent of the work, safety controls, and whether contractors’ operations are properly managed and documented. Are there limitations on how long a building can be vacant? No. The program does not impose a maximum vacancy period and will consider both short-term and longer-term vacancies. What are common risks that are not eligible? Properties scheduled for demolition, those with swimming pools on-site, or buildings with existing structural damage at submission are generally ineligible. Is this program available in all states? The program is available in most states (see the availability list above). Coverage and form availability vary by state—contact First Choice for state-specific guidance. Need help placing an account? Connect with a market specialist.

Errors & Omissions Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a competitive Errors & Omissions (E&O) Insurance program designed for professionals and service-based businesses that face claims of negligence, misrepresentation, or failure to perform. As a wholesale broker with broad market access, First Choice helps independent agents place tailored professional liability coverage when clients need protection for advice, consulting, design, or other professional services. First Choice places E&O for a wide range of industries. Whether your insured is a consultant, real estate professional, technology services vendor, or allied health specialist, this program provides flexible underwriting and market options to deliver appropriate limits and defense coverage. Ideal Accounts and Appetite The program targets professionals and firms that provide advice, recommendations, or specialized services. Typical classes include: Consultants and business advisors Real estate agents and brokers IT and technology service providers Allied health professionals (non-physician) Marketing, media, and design firms Insurance agents and adjusters Property managers and home inspectors Because coverage is placed through non-admitted markets, the program can be a solution for accounts that require more tailored terms than admitted options typically allow. Coverage Highlights and Advantages Key protections and program benefits available through First Choice include: Defense costs for covered allegations—even if the claim is groundless Judgment and settlement coverage up to policy limits Deductibles beginning at $1,000 Premium financing to help make larger placements more affordable Access to multiple non-admitted markets for customized solutions For example, you might place a tech consultant facing a client claim for project delays and resulting financial loss. This program can combine appropriate limits, defense cost handling, and tailored exclusions to address that exposure. Underwriting Notes Each submission is individually underwritten so policies reflect the specific risk profile of the professional class. While there is no published minimum premium, deductibles start at $1,000 and terms vary by carrier and risk. First Choice will work with you to structure coverage and present the account to the right markets. Territories and Availability This Errors & Omissions program is available to licensed agents 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. Placement through non-admitted carriers provides additional flexibility across these territories. Why Work with First Choice Insurance Intermediaries, Inc.? First Choice is a wholesale broker with deep professional liability expertise and broad carrier relationships. Working with them gives agents access to markets and underwriting that are often difficult to place directly. Their team focuses on responsive service, market advocacy, and crafting solutions for harder-to-place or niche E&O risks. Partnering with First Choice lets you deliver competitive quotes and flexible coverage structures while relying on experienced wholesale underwriting support. Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program suits consultants, real estate professionals, IT service providers, allied health practitioners (non-physician), marketing/media/design firms, insurance agents, property managers, and similar service businesses with professional liability exposures. Is this program available on an admitted basis?No. The Errors & Omissions program is offered through non-admitted markets to allow greater flexibility in underwriting and policy terms. Are premium financing options available?Yes. First Choice can arrange premium financing to help spread cost for larger policies or clients who prefer monthly payments. What is the minimum deductible for this program?Deductibles start at $1,000. Exact deductible and pricing depend on the carrier, class of business, and underwriting details. In which states is this program available?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.

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.

Overview — First Choice Insurance Intermediaries, Inc. Commercial Property Insurance First Choice Insurance Intermediaries, Inc. offers Commercial Property Insurance designed for independent agents and brokers who need reliable placement options for business property exposures. This program compensates a business when property used in operations is lost or damaged by common perils such as fire, theft, wind, or vandalism. Coverage applies to buildings and structures as well as “personal property” — office furnishings, inventory, raw materials, machinery, computers and other items critical to a business’s operations. Coverage highlights and advantages Commercial package capability: Available forms can include property, general liability, crime and business interruption. Endorsements are available to tailor the package to specific classes (for example, restaurants or florists). Broad property coverage: Building, business personal property, tenant improvements and betterments, and stock/inventory options where appropriate. Business interruption: Time-element coverage to protect income and help policyholders recover after a covered loss. Premium financing: Premium Financing Available. Deductible options: $500, $1,000 and up, depending on the carrier and account. Wholesale placement: First Choice acts as a wholesale broker, providing access to admitted and non-admitted markets appropriate to the risk. Ideal accounts and target classes This Commercial Property program is a strong fit for small- to mid-sized brick-and-mortar and light-industrial risks. Target classes include: Apartment: Owners of buildings used exclusively as apartment houses, including cooperatives. Building: Lessors of commercial buildings occupied by offices, mercantile and retail tenants. Business: Personal consumer services, light repair shops and printing businesses. Condominium: Owners of buildings used exclusively as condominiums. Contractors: Residential and specialty trade contractors (light exposure). Garage: Independently operated or franchised automotive service and repair businesses. Manufacturers: Small manufacturers of food products, leather, metal, paper, plastic, rubber, textiles and wood products. Professional Office: Medical, legal, financial and other professional service firms. Religious: Churches and houses of worship (excluding large affiliated educational institutions). Restaurant: Franchise, family and higher-end eateries (subject to cooking/hood suppression underwriting). Store: Brick-and-mortar retail operations. Technology / Technology Office: Manufacturers of electronics and firms providing computer and technology services. Wholesalers: Distributors of durable and non-durable goods. Underwriting notes and typical restrictions Preferred accounts are small to mid-sized businesses with straightforward property exposures and up-to-date loss control. Accounts with significant high-hazard operations, extensive flammable processing, severe code violations, or long-term vacant buildings may be declined or require placement in specialized markets. Cooking exposures (restaurants) and automotive operations (garages) will be underwritten for suppression systems, distance to exposures, and prior losses. Carriers in the program may impose minimum premiums, occupancy-specific endorsements, or higher deductibles for certain classes — confirm requirements at submission. Territories and admitted status 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, WI. Admitted paper is available in some states; First Choice can also access non-admitted markets where necessary. Coverage availability and form depend on the carrier selected and state regulations. Why place this business with First Choice Insurance Intermediaries, Inc. As a wholesale broker, First Choice provides direct access to multiple markets and negotiates program forms and endorsements tailored to common small commercial risks. Underwriters focus on practical, class-specific solutions rather than one-size-fits-all forms, which helps place accounts that might otherwise be difficult at retail. Support for premium financing and package placements simplifies transactions for your insureds. Responsive underwriting and flexibility on endorsements for restaurants, technology firms, small manufacturing and retail make this a good fit for agents seeking competitive terms for typical commercial property risks. Example account scenarios You have a two-story retail building with occupied storefronts and a small stockroom — this program can combine building and business personal property limits with business interruption coverage. A local family-run restaurant with a hood suppression system and a solid loss history — the program can offer package property and liability options with restaurant endorsements. Frequently Asked Questions What types of accounts are a good fit for this Commercial Property program?Small- to mid-sized brick-and-mortar retailers, offices, restaurants, light manufacturers, wholesalers, garages and professional offices are ideal. The program targets straightforward property risks that benefit from a commercial package. Which states and paper types are available?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, TN, TX, VA, WA and WI. Admitted paper is available in some states; non-admitted placement is used where needed. Are premium financing and endorsements supported?Yes. Premium financing is available and a variety of class-specific endorsements can be added to tailor coverage for restaurants, contractors, technology firms and other targeted classes. What information should I include with a submission?Provide a current ACORD application, recent loss runs (5 years preferred), building and business personal property values, occupancy details, protection class or sprinkler info, and any risk control documentation (e.g., hood suppression inspection for restaurants). Need help placing an account? Connect with a market specialist.

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.

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.

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