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...-size CPA firms, tax preparers, bookkeepers and specialty accounting practices...

...d Public Accountants (CPAs) Bookkeepers and payroll processors Tax pre...ogram?Ideal accounts include CPAs, bookkeepers, payroll processors, tax prepar...

...irms and sole practitioners Bookkeepers and accounting consultants who off...ounting firms, sole practitioners, bookkeepers, and consultants offering tax, ...

A Hands-On Approach ProSight Specialty Insurance offers an Accountants Professional Liability program designed for agents placing accountants, CPA firms, tax preparers, and related professional practices. Underwriters at ProSight take a hands-on approach—reviewing each submission directly to understand firm structure, service lines, and risk controls. That active underwriting style helps you find solutions for straightforward and more complex accountant exposures while securing access to a competitive primary or excess market. Ideal accounts and appetite Small to mid-sized CPA and accounting firms, including tax preparers, bookkeeping services, and payroll providers. Firms performing attest or compilation services, advisory work, and routine tax compliance—especially with documented peer review and quality control procedures. Acquisitions: automatic coverage for merged or acquired firms where the acquisition represents less than 10% of the firm’s annual revenue (subject to underwriting review). Less suitable: firms with significant investment advisory custody, high-volume fintech integrations without controls, or large national practices without prior placement history—these require pre-submission discussion. Coverage highlights and advantages Broad definition of professional services — flexible wording helps align coverage with modern service lines offered by accounting firms. Mutual choice of counsel — provides greater control and alignment when a claim arises. Cyber risk management add-on — up to $5,000 for data breach assessment services to help manage privacy incidents and client notification costs. Subpoena expense supplementary coverage — helps pay for legal costs associated with responding to subpoenas and regulatory inquiries. Incentive for alternative dispute resolution — 50% deductible reduction if a claim is resolved through arbitration or non-binding mediation. Primary and excess placements — limits available up to $5 million to match growing firm exposures. Underwriting notes ProSight underwriters prefer clear submissions that include firm revenue by service line, partner/owner resumes, client concentration details, loss run history, peer review or quality control policies, and any third-party technology/vendor relationships. Because ProSight reviews each account directly, early phone conversations on borderline or complex accounts can speed placement and reduce revision cycles. Territories and licensing This program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. ProSight typically operates on a non-admitted (surplus lines) basis where applicable; confirm state filing and surplus lines requirements when submitting. Example accounts that fit A three-partner CPA firm with $1.2M revenue providing tax, compilation, and advisory services with documented internal controls and minimal past claims exposure. A boutique payroll and bookkeeping firm seeking a $1M primary limit plus excess capacity, interested in cyber assessment coverage for client data breaches. Why place this business with ProSight Specialty Insurance As a carrier known for selective, relationship-driven underwriting, ProSight pairs a flexible professional services definition with practical claim features—mutual choice of counsel, subpoena expense coverage, and incentives for ADR—making it a strong option for agents placing accountants who want broad, service-aligned protection and responsive underwriting. Use this program when you need tailored terms, access to excess capacity up to $5M, or cyber assessment support tied to professional exposures. Frequently Asked Questions What types of accounting firms are a good fit for this ProSight program?Small to mid-sized CPA firms, tax preparers, bookkeeping and payroll firms, and advisory practices with documented quality controls are the best fit. Larger national firms or firms with heavy custody/investment advisory work usually need pre-submission discussion. Are limits and deductibles flexible?Limits are available up to $5 million (primary or excess). The program includes a deductible incentive—50% reduction if a claim is resolved through arbitration or non-binding mediation. Exact terms depend on underwriting and exposure. Does the program address cyber/privacy exposures?Yes. A cyber risk management add-on provides up to $5,000 for data breach assessment services to help evaluate and respond to incidents. This is designed to complement professional liability coverage for privacy-related professional liabilities. How should I submit a potential account?Include firm revenue by service line, partner resumes, client concentration, recent loss runs, and descriptions of peer review or quality control processes. For complex accounts, an early call with underwriting can clarify appetite and speed placement. Need help placing an account? Connect with a market specialist.

... limited to: Accountants and bookkeepers Business, HR, and food consultan...onsultants, engineers, architects, bookkeepers, data processors, and staffing ...

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 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.

Quote & Issue Commercial General Liability in Your Office 24/7 First Choice Insurance Intermediaries, Inc. offers a streamlined Commercial General Liability (CGL) program built for independent agents who need fast placement for small commercial accounts. Our online platform lets you quote and issue policies in about 20 minutes — anytime, from your office — with access to multiple markets, including admitted options where available. This CGL program focuses on speed-to-market, competitive pricing, and broad coverage for start-ups and small businesses in retail, services, consulting, and contracting sectors. With responsive underwriting and a U.S.-based service center, First Choice makes it easy for agents to bind coverage, deliver documentation, and grow their small commercial book. Ideal Accounts and Target Classes We write more than 200 classes of business. Commonly placed industries include: • Architects and Engineers • Artisan Contractors • Consultants • Creative and Design Professionals • Financial Services • Health and Beauty Providers • Fitness Facilities • Janitorial Services • Landscaping Companies • Legal Professionals • Marketing and PR Firms • Miscellaneous Business Services • Real Estate Professionals • Retail Stores • Technology Firms For a full list of acceptable classes, please refer to our Appetite Guide. You might have a client who runs a small web design agency, a neighborhood landscaping company, or a newly formed consulting practice — these are the types of accounts that typically fit well within our appetite. Coverage Highlights and Key Endorsements Our CGL program provides broad protection for common small-business exposures, including: • Bodily Injury • Property Damage to Third Parties • Personal and Advertising Injury • Electronic Data Liability • Medical Expenses • Defense Costs • Employee and Temporary Staff Actions • Supplemental Payments Valuable endorsements available include: Primary and Noncontributory Endorsement: Ensures the CGL policy responds first without contribution from other carriers. Business Personal Property (BPP) Added to CGL: Extends coverage for business personal property on-premises and provides up to $25,000 for off-premises items such as laptops and tools. Policy Issuance and Servicing Policies are issued and emailed instantly upon binding. Certificates of insurance (COIs) and endorsements are managed by the carrier’s U.S.-based service center. Policies are set to auto-renew, helping you retain clients and ongoing commission without reissuing each year. Territories and Availability Our CGL 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, WI Why Work With First Choice First Choice Insurance Intermediaries is a wholesale broker focused on helping agents place small commercial accounts quickly and confidently. Key strengths include: User-friendly quoting platform that supports fast bind/bill workflows. Access to multiple markets, including some admitted options for eligible risks. Responsive underwriting that understands small-business exposures across many classes. U.S.-based servicing for COIs and endorsements to speed delivery to insureds and certificate holders. Click Here to Get Started Not Appointed with First Choice yet? Complete our Producer Agreement and send it with your W-9, state license, and E&O certificate to [email protected]. For more details, visit http://www.firstchoiceii.com/. Frequently Asked Questions What types of accounts are a good fit for this CGL program?This program targets small commercial businesses across retail, consulting, artisan contracting, IT, health and beauty, and professional services — essentially operations with standard premises, products, or professional exposure that fit the appetite list. How fast can I quote and issue a policy?You can quote and bind most eligible accounts in about 20 minutes using the online platform, 24/7. Is this program available in my state?The program is available in the states listed above. Please review that list to confirm availability for a specific account. What kind of coverage enhancements are available?Common enhancements include Primary and Noncontributory wording and extension of Business Personal Property coverage for on- and off-premises items. Do policies renew automatically?Yes. Policies are set to auto-renew, which helps you retain clients and continue to earn renewal commissions without having to reissue coverage annually. 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.

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.