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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.

Mercator Risk Services, available through Preferred Concepts LLC, offers a focused Weather Insurance (Snow Removal) program that helps your clients manage the financial impact of unexpected or excessive snowfall. This solution pays predetermined amounts when agreed weather triggers occur, helping municipalities, airports, large commercial properties and other snow-exposed organizations control snow-removal budget volatility. Snow removal costs can escalate quickly during intense winters or storm clusters. This program provides cash relief tied to objective weather measurements (for example, snowfall thresholds at an agreed station) so your clients can recover added removal expenses, vendor overtime, or related operational costs without tapping contingency reserves. Ideal Accounts and Appetite Mercator Risk Services writes policies for a wide range of accounts that face elevated snow-related expenses. Typical fits include: Municipalities and local governments responsible for public roadways Airports with large aprons, taxiways and operational areas to clear Condominium and community associations managing private roads and walkways Large commercial, retail or industrial property owners with expansive parking lots Banks and multi-branch organizations in snow-prone regions The program is also positioned to consider harder-to-place or distressed risks, including accounts with prior claims or constrained budgets. Coverage Highlights and Advantages Weather insurance for snow removal is designed to reimburse extra costs tied to defined weather events — it is not property-damage insurance and does not alter weather outcomes. Key advantages: Direct payments when measured snowfall (or other agreed weather perils) exceeds a contract threshold. Helps budget for vendor overtime, extra equipment rentals, contract overruns, and other snow-response expenses. Customizable triggers — policies can reference snowfall, temperature, wind, rain, or sunshine metrics depending on the exposure. Example scenarios: You have a municipal client that needs protection when seasonal snowfall exceeds historical averages and forces emergency plowing contracts. A property manager running multiple retail centers wants a predictable recovery if several heavy storms increase snow removal costs beyond budgeted amounts. Underwriting Notes and Minimum Premiums Mercator Risk Services will accept a standard application or work from a tailored form to match the account’s exposure. Underwriting focuses on the peril type, measurement location, historical weather data and the client’s defined loss cost metric. Pricing varies with peril selection, geographic location and exposure size. No specific minimum premium is listed here—contact Mercator through Preferred Concepts to discuss account details and receive guidance on quoting and binding. Territories and Availability This program is available nationwide. Coverage can be placed in all 50 states and Washington, D.C., including (but not limited to): 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. Why Work With Preferred Concepts and Mercator Risk Services? Mercator combines niche expertise in weather-linked indemnity products with access to multiple carrier options, including flexible non-admitted solutions for unusual or high-severity exposures. Their willingness to consider distressed or hard-to-place accounts makes them a useful market when standard carriers decline. Preferred Concepts LLC provides streamlined access to Mercator’s products through CompleteMarkets, helping you move from submission to quote and bind more efficiently. For more details, see their company profile or this program’s storefront. Frequently Asked Questions What types of accounts are a good fit for this snow removal insurance?Good fits include municipalities, airports, large property managers, community associations, and organizations with multiple locations that incur significant snow-related costs. How does the policy trigger a payout?Payouts are triggered when predefined weather conditions—such as measured snowfall exceeding an agreed threshold—are met. Trigger details are set during underwriting and tied to objective weather stations or data sources. Is this program available in all states?Yes. The program is available nationwide, including all 50 states and Washington, D.C. Can this program accommodate accounts with prior claims?Yes. Mercator Risk Services will consider distressed and unusual risks, including accounts with prior claims or financial challenges, on a case-by-case basis. What types of weather perils can be covered?Coverage can be structured for snow and related perils, and can also include rain, wind, temperature variations, or sunshine triggers depending on the client’s exposure and underwriting agreement. Need help placing an account? Connect with a market specialist.

Mercator Risk Services, available through Preferred Concepts LLC, offers a focused Weather Insurance (Snow Removal) program that helps your clients manage the financial impact of unexpected or excessive snowfall. This solution pays predetermined amounts when agreed weather triggers occur, helping municipalities, airports, large commercial properties and other snow-exposed organizations control snow-removal budget volatility. Snow removal costs can escalate quickly during intense winters or storm clusters. This program provides cash relief tied to objective weather measurements (for example, snowfall thresholds at an agreed station) so your clients can recover added removal expenses, vendor overtime, or related operational costs without tapping contingency reserves. Ideal Accounts and Appetite Mercator Risk Services writes policies for a wide range of accounts that face elevated snow-related expenses. Typical fits include: Municipalities and local governments responsible for public roadways Airports with large aprons, taxiways and operational areas to clear Condominium and community associations managing private roads and walkways Large commercial, retail or industrial property owners with expansive parking lots Banks and multi-branch organizations in snow-prone regions The program is also positioned to consider harder-to-place or distressed risks, including accounts with prior claims or constrained budgets. Coverage Highlights and Advantages Weather insurance for snow removal is designed to reimburse extra costs tied to defined weather events — it is not property-damage insurance and does not alter weather outcomes. Key advantages: Direct payments when measured snowfall (or other agreed weather perils) exceeds a contract threshold. Helps budget for vendor overtime, extra equipment rentals, contract overruns, and other snow-response expenses. Customizable triggers — policies can reference snowfall, temperature, wind, rain, or sunshine metrics depending on the exposure. Example scenarios: You have a municipal client that needs protection when seasonal snowfall exceeds historical averages and forces emergency plowing contracts. A property manager running multiple retail centers wants a predictable recovery if several heavy storms increase snow removal costs beyond budgeted amounts. Underwriting Notes and Minimum Premiums Mercator Risk Services will accept a standard application or work from a tailored form to match the account’s exposure. Underwriting focuses on the peril type, measurement location, historical weather data and the client’s defined loss cost metric. Pricing varies with peril selection, geographic location and exposure size. No specific minimum premium is listed here—contact Mercator through Preferred Concepts to discuss account details and receive guidance on quoting and binding. Territories and Availability This program is available nationwide. Coverage can be placed in all 50 states and Washington, D.C., including (but not limited to): 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. Why Work With Preferred Concepts and Mercator Risk Services? Mercator combines niche expertise in weather-linked indemnity products with access to multiple carrier options, including flexible non-admitted solutions for unusual or high-severity exposures. Their willingness to consider distressed or hard-to-place accounts makes them a useful market when standard carriers decline. Preferred Concepts LLC provides streamlined access to Mercator’s products through CompleteMarkets, helping you move from submission to quote and bind more efficiently. For more details, see their company profile or this program’s storefront. Frequently Asked Questions What types of accounts are a good fit for this snow removal insurance?Good fits include municipalities, airports, large property managers, community associations, and organizations with multiple locations that incur significant snow-related costs. How does the policy trigger a payout?Payouts are triggered when predefined weather conditions—such as measured snowfall exceeding an agreed threshold—are met. Trigger details are set during underwriting and tied to objective weather stations or data sources. Is this program available in all states?Yes. The program is available nationwide, including all 50 states and Washington, D.C. Can this program accommodate accounts with prior claims?Yes. Mercator Risk Services will consider distressed and unusual risks, including accounts with prior claims or financial challenges, on a case-by-case basis. What types of weather perils can be covered?Coverage can be structured for snow and related perils, and can also include rain, wind, temperature variations, or sunshine triggers depending on the client’s exposure and underwriting agreement. Need help placing an account? Connect with a market specialist.