First Insurance Insurance Through an Independent Agency: Coverage and States

First Insurance coverage and states available through our agency

The table shows each First Insurance coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.

If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.

How to request a First Insurance quote

• Send the request form on this page or call 888-387-3687.
• Tell us the coverage you need and the state where the business operates.
• A licensed agent reviews whether First Insurance is available for your situation and what information the insurer needs.
• You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.

Ways to compare your options

You can go whichever direction suits you. None of these commits you to buying.

• Ask a licensed agent. Send a request or call 888-387-3687.
• See other insurers our agency can quote for similar coverage. Attune, Hanover, Coterie, Hiscox, Foxquilt, biBerk, Next, Thimble.

Who First Insurance is

The "First Insurance" on First Connect is First Insurance & Risk Management, known as "First." It's an insurtech platform and program administrator for small businesses. It launched in July 2023 and is based in Scottsdale, Arizona. Jonathan Hooven is co-founder and CEO.

First operates as a registered series of Mission Underwriting Managers, LLC, a licensed agency (NPN 19970643). Its trade names include Mission Specialty Risk Services, LLC in Nevada, Mission Specialty Risk Services in Utah and Mission Specialty Risk Insurance Solutions in California (license 6005417).

Not to be confused with

Several companies use "First Insurance" in their names. This page isn't about:

• First Insurance Funding, a premium finance company.
• First Insurance Company of Hawaii (FICOH), part of Tokio Marine North America. Hawaii isn't on First's state list on First Connect.

If you see "First" on a quote, check the full name and the license number to be sure.

Who issues First policies

We couldn't verify which insurer issues First's policies. Its 2023 launch release refers only to "re/insurers' capital." We also couldn't verify an AM Best rating.

A program administrator typically handles underwriting and service under authority from an insurer, which carries the risk. Its name should appear on your declarations page. Ask for it at quote time and look up its rating.

The launch release mentions "re/insurers," which suggests both insurers and reinsurers back the program. Reinsurers protect the insurer, not you directly. The issuing insurer is the one that owes you coverage.

What First offers and how it sells

First focuses on small-business property and casualty insurance. According to the First Connect carrier directory, it offers commercial general liability (CGL) there, with real-time quoting, issuing and servicing. The directory lists 40 states plus DC.

Each policyholder gets a risk-management dashboard built for their industry. That's part of First's pitch as a "strategic partner in risk management."

First sells only through independent agents and brokers. Policies can be bought online and are delivered instantly. Our research didn't turn up any First news from 2024 to 2026.

What a program administrator does

A program administrator generally runs an insurance program for a specific market under authority from an insurer. It may handle underwriting, quoting, policy issuance and service, while the insurer pays covered claims.

First's structure has one more layer. It's a registered series of Mission Underwriting Managers, LLC. A series is generally a separate unit inside a larger LLC. So the licensed agency is Mission Underwriting Managers, and First is one part of it.

That matters when you check a license. Search for Mission Underwriting Managers or its NPN, 19970643, rather than "First." In California, look for Mission Specialty Risk Insurance Solutions, license 6005417.

What to check before you buy from First

• The full company name. Make sure it's First Insurance & Risk Management, not another "First."
• The issuing insurer. Get its name from your quote or declarations page.
• Its rating. Look it up yourself. We couldn't verify one.
• Your state. First isn't listed in every state on First Connect. Confirm it's offered where you operate.
• Coverage fit. CGL covers liability, not your property. Ask what else you need.
• The dashboard. Ask what risk tools come with your policy and how to use them.
• License lookup. Search under Mission Underwriting Managers or its NPN when you check the license.

How to verify an insurer or agency

Before buying through any website or app, confirm who is selling you the policy and who will issue it:

1. Find the licensed agency or insurer named in the site's footer, terms, or license page.
2. Look up the agency or producer on your state insurance department's license search, or through the National Insurance Producer Registry (NIPR).
3. Look up the insurer on your state insurance department's company search to confirm it is authorized in your state.
4. Save the insurer's name and policy number once issued, since that is who handles claims.

A legitimate service will make this information easy to find. Be cautious if you cannot identify the licensed entity.

What an independent agency does

An independent insurance agency is licensed to sell policies from several insurance companies. Instead of quoting one company's products, an independent agent can compare options from the insurers the agency represents, explain the differences in coverage, and help you re-shop at renewal. The insurance company, not the agent, makes underwriting and claim decisions.

Blake Insurance Group is an independent agency. We work with clients by phone, email, and online in states where we are licensed, and we will tell you which insurers we can quote for your situation.

Questions to ask before you buy

• Which insurer issues the policy, and is it licensed in my state?
• What are the limits and deductibles, and what’s excluded?
• Which discounts were applied, and which ones weren’t?
• How do I report a claim, and is there a 24-hour line?
• What happens if I miss a payment, and is there a grace period?
• Can I get the full quote, including all fees, in writing before I pay?

First Insurance FAQs

Your next step

Send a request and a licensed agent will check First Insurance and other options available to you.