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.