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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.

Builders Risk – Commercial & Residential Halcyon Underwriters offers a competitive Builders Risk Insurance program designed to serve both commercial and residential construction projects. As a full-service wholesale broker, Halcyon gives agents and brokers access to a broad range of carriers and flexible coverage options to meet the evolving needs of your construction clients. Whether you’re placing a ground-up build, remodel, or installation job, Halcyon’s marketplace is built to help you find the right fit. Ideal Accounts and Appetite This program is ideal for contractors, developers, and property owners involved in new construction, renovations, or major remodels across a wide range of project types. Eligible risks include most single-structure residential and commercial projects. Examples include: A general contractor building a new office complex in Texas. A developer remodeling a multi-family property in Florida. An electrician installing systems in a retail center in California. Halcyon can accommodate both reporting and non-reporting forms, though most single-structure projects will qualify for non-reporting forms only. Coverage Highlights and Optional Endorsements Policies are written on a Special Form basis, offering comprehensive protection including off-premises coverage, transit, and theft of building materials. Optional coverages are available for commercial accounts and can be tailored to match your client's exposure: Soft Costs (Extra Expense) – Covers additional costs resulting from construction delays, including loan interest, taxes, legal and consulting fees, insurance premiums, and promotional expenses. Rental Income – Protects against the actual loss of net rental income sustained during a covered delay. Please specify desired coverage and values on the application. Contractor's Equipment – Special Form coverage for owned and newly acquired equipment, rental reimbursement, and debris removal. Installation Floater – Available for artisan subcontractors such as plumbers and electricians working on both commercial and residential projects. Computer/EDP – Includes coverage for data, media, extra expense, and in-transit exposures. Underwriting Notes and Minimum Premiums Minimum premium starts at $15,000. Submissions should include complete project details, scope of work, duration, and any optional coverages requested. Rental income and soft cost coverage must be clearly detailed on the application for quotation purposes. Territories and Availability This program is available in all 50 states plus Washington, DC. Halcyon Underwriters works with top-rated carriers including Ace, Allianz, Allied World, Alterra, Axis, Catlin, Chubb, CNA, Crum & Forster, Great American, Hartford, Lexington, Liberty Mutual, Markel, One Beacon, Travelers, and Zurich. Why Work With Halcyon Underwriters With access to a wide network of carriers and underwriting expertise across diverse classes of construction business, Halcyon Underwriters is a strong partner for agents and brokers. Their team provides responsive service, deep market knowledge, and the ability to tailor coverage to unique project needs. For more details on appetite and submission requirements, visit their CompleteMarkets profile or explore the program page at Halcyon Builders Risk Insurance. Contact us today to discuss your client's builders risk needs and learn how Halcyon Underwriters can support your placement efforts. Frequently Asked Questions What types of accounts are a good fit for this Builders Risk program?This program works well for residential and commercial new construction, renovations, and remodels. Eligible accounts include general contractors, developers, and artisan subcontractors like electricians and plumbers. Are both reporting and non-reporting forms available?Yes, Halcyon offers both forms. Most single-structure projects will qualify for non-reporting forms, while larger or phased projects may be eligible for reporting forms. What optional coverages can be added?Optional coverages include soft costs, rental income, contractor’s equipment, installation floaters, and Computer/EDP. These can be tailored to meet the specific exposures of commercial clients. What is the minimum premium for this program?The minimum premium typically starts at $15,000. Final pricing depends on project size, scope, and selected coverages. In which states is this program available?This Builders Risk program is available in all 50 states and Washington, DC through Halcyon Underwriters. Need help placing an account? Connect with a market specialist.