https://completemarkets.com/company/firstchoiceii/Errors-Omissions-Insurance/
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.
https://completemarkets.com/company/atlas/habitational-insurance/
Here at Atlas General Insurance Services, we understand the unique insurance needs of apartment and condominium associations. Our Habitational Insurance Program is designed to help agents and brokers place business for clients operating residential habitational properties across the West Coast.
This program is built to provide flexible and competitive coverage options for habitational risks in California, Arizona, Nevada, and New Mexico. Whether your client manages a multi-building apartment complex or a mid-rise condominium association, Atlas has a solution tailored to meet their needs.
Ideal Accounts and Appetite
Our program is a strong fit for:
Apartment complexes and multi-family residential buildings
Condominium associations
Risks with up to 50% mercantile exposure
Buildings with four or more habitational units
We prefer accounts with a clean 5-year loss history, though we will consider a minimum of 3 years or a combination of loss data and Certificate of Experience (COE) documentation. Properties with up-to-date systems and strong occupancy rates (minimum 85%) are ideal.
Coverage Highlights and Advantages
Our Habitational Program offers flexible packaging and monoline options:
Commercial Package: Property, General Liability, Crime, and Hired/Non-Owned Auto
Monoline Options: General Liability or Property only
Coverage Limits:
Property: Up to $25,000,000 per location
General Liability: $1,000,000 per occurrence / $2,000,000 aggregate
Crime: Up to $100,000
Program Features:
No age restrictions on buildings
Enhanced commercial property coverage
No broker or inspection fees
Included endorsements at no additional charge
Options for Apartment Owners, Mortgagee, Loss Payee, and CP1410 endorsements
Underwriting Notes and Minimum Premiums
This is a non-admitted program written through A.M. Best “A” rated carriers. The minimum premium for both package and monoline policies is $5,000.
Eligibility and Required Updates:
Roof updates required for buildings over 20 years old
Electrical systems must have circuit breakers and copper wiring
Rewiring required for buildings constructed before 1950
Plumbing updates required for buildings constructed before 1950
Protection classes 1–5 accepted; classes 6 and 7 require carrier referral
Buildings over 25 stories require referral
No flood or earthquake coverage offered
Territories and Availability
This program is available to agents and brokers with clients located in:
California (CA)
Arizona (AZ)
New Mexico (NM)
Nevada (NV)
Why Work With Atlas General Insurance Services?
As a trusted general agency with deep experience in commercial habitational risks, Atlas General Insurance Services provides streamlined access to competitive non-admitted markets. Our underwriting team understands the complexities of habitational exposures and is committed to helping you craft thorough, tailored solutions for your clients.
Whether you’re working with a long-standing apartment owner or a newly formed condo association, we’re ready to support you with fast, responsive service and a comprehensive product offering. To learn more or submit a risk, contact us today or visit our Habitational Insurance storefront.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for apartment complexes and condominium associations with at least four habitational units and limited commercial (mercantile) exposure.
Is there a minimum premium requirement?Yes, the minimum premium for both package and monoline policies is $5,000.
Are older buildings eligible for coverage?Yes, there are no age restrictions, but older buildings must meet update requirements for roofing, electrical, and plumbing systems based on construction year.
What territories is the program available in?The program is available in California, Arizona, New Mexico, and Nevada.
Does the program offer flood or earthquake coverage?No, flood and earthquake coverage are not available under this program.
Need help placing an account? Connect with a market specialist.