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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.

Professional Liability for Small Business Consultants Capitol Special Risks offers a focused Small Business Consultants Professional Liability Insurance program built for the exposures consultants face today. Vicarious-liability claims and contract disputes are rising; even careful consultants can be named in suits alleging negligent advice. This program helps you place professional liability protection for small consulting firms so your clients can operate with greater confidence. Ideal Accounts and Risk Appetite This program is intended for independent consultants and small consulting businesses with $1,000,000 or less in gross annual revenue. It targets a broad range of professional consultants, including: Marketing and public relations consultants Management and business strategy consultants HR, organizational development, and talent consultants IT and software consultants (advisory services; non-product vendors) Training, learning, and education consultants Not eligible: This program excludes higher-risk professions such as attorneys, CPAs, real estate consultants, investment/financial advisors, safety consultants, and medical or engineering consultants. Coverage Highlights and Optional Enhancements Capitol Special Risks places a robust core professional-liability form with several optional enhancements commonly requested by your clients: Automatic Additional Insured (A/I) status Contingent Bodily Injury/Property Damage sublimit of $250,000 Defense costs outside the limits (capped at the aggregate policy limit) HIPAA/HITECH breach sublimit of $250,000 50/50 cooperation clause Third-party discrimination coverage Punitive damages coverage where insurable by law Independent contractor coverage These features are designed to protect consultants from the financial fallout of claims tied to advice, professional services, or third-party exposures — including situations where the insured is alleged to have done nothing wrong. Underwriting Considerations and Minimum Premiums The program favors accounts with straightforward or moderate risk profiles. To be eligible, accounts must report $1,000,000 or less in annual revenue. Underwriting evaluates factors such as the consultant’s service lines, contract language, claim history, use of subcontractors, and whether they provide any insured products or financial advice. Minimum premiums vary by risk characteristics and the optional coverages selected. Capitol Special Risks aims for quick underwriting decisions and transparent terms to help you place business efficiently. Available States and Admitted Status This program is available in most states, including CA, TX, FL, NY, IL, GA, and 40+ others. Coverage can be placed on admitted or non-admitted paper depending on state and carrier availability. Why Work With Capitol Special Risks? As a wholesale broker, Capitol Special Risks combines market access with deep E&O and professional-liability experience. Their underwriters understand consulting exposures and work with multiple carriers to deliver competitive solutions. Key service advantages include fast turnaround times and no broker fees, helping you serve clients quickly and keep placement costs competitive. Example accounts that typically fit: a solo HR consultant who provides policy and training guidance to local employers, or a boutique marketing firm that advises clients on campaigns and media strategy. Both have limited revenue, clear scope of services, and need primary professional-liability protection without carrier restrictions tied to higher-risk classes. In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service – CA Fire & Casualty Agency – #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?Independent consultants and small consulting firms with less than $1,000,000 in gross annual revenue — such as marketing, HR, IT (advisory), and management consultants — are ideal candidates for this program. Are there any professional classes that are not eligible?Yes. The program excludes higher-risk professionals including attorneys, CPAs, real estate consultants, investment advisors, safety consultants, and medical or engineering consultants. What optional coverages are available?Optional enhancements include Additional Insured status, HIPAA/HITECH breach sublimits, third-party discrimination, contingent BI/PD, punitive damages where insurable, and independent contractor coverage. Is this program available in all states?No, but it is available in most states, including CA, TX, FL, NY, and others. Admitted versus non-admitted paper depends on state and carrier options. What is the typical turnaround time for quotes?Capitol Special Risks offers fast turnaround and does not charge broker fees, enabling you to place accounts quickly and cost-effectively. Need help placing an account? Connect with a market specialist.

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