About
Us
We offer a range of policies for individuals, families, & businesses
Our Goal
We are a full service insurance agency committed to helping you manage the risks that arise in everyday life. We believe insurance is all about Peace of Mind – NOT piece of paper. Our goal is to listen to our valued customer, analyze your insurance needs and customize a policy that works best for you and your budget.
First Choice Insurance Solutions, Inc. is a family owned business vowing to serve and build relationships in its community and abroad.
Clients
States
Years in Business
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Auto
We represent some of the finest auto insurance carriers in Florida. Therefore, a quality auto insurance policy is imperative. Although you may be a safe driver, you may find yourself involved in an accident through no fault of your own. You could be in a grocery store or sitting at a light and still your car can be hit. Whether it is just a scratch or a total loss, First Choice Insurance Solutions is here to explain how you can be properly protected through appropriate coverages. Our auto products include:
- Classic-Antique Cars
- Exotic Cars
- Standard Auto
- Recreation Vehicles
- Motorcycles
- Watercraft
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Commercial
Building/Property
Building coverage pays for damages to your building and other structures on the premises, as well as business personal property you own and use in your business. Some examples of business personal property can include stock, inventory, furniture, and office equipment.
Business Interruption
Business Interruption coverage provides protection for a temporary shutdown of your business due to a covered cause of loss. It provides coverage for loss of income or extra expenses you incur to resume operations.
General Liability
Liability coverage is provided for your operations and all premises you own, operate, or lease. This protection includes:
- Bodily Injury, Property Damage, and Medical Expenses
- Products – Completed Operations
- Personal Injury and Advertising Injury
- Damage to Premises Rented to You
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Homeowners
First Choice Insurance Solutions knows how important it is to protect your home from disaster. With our comprehensive, affordable homeowners insurance options, you’ll receive customized coverage for all your properties throughout Florida.
As an independent agency, we design homeowners insurance with you mind. We work with a wide selection of reputable carriers like Bankers, Universal Property & Casualty, & Federated National to find you a policy that protects your assets and saves you money over the long haul. With over 30 years of experience in homeowners, renters, and condo insurance, you can put your mind at ease knowing we’ve got you covered in every way possible
- Homeowners
- Renters
- Condo Unit Owners
- Flood & Excess Flood
- Personal Umbrella
- Excess Personal Liability
- Windstorm
- Personal Articles – Fine Arts & Jewelry
- Builders Risk & Renovation
- Dwelling Fire Policies (Rental Properties)
- Vacant Dwelling
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Additional Coverage
- Accounts Receivable
- Arson Reward
- Automatic Seasonal Increase
- Depositors Forgery
- Employee Dishonesty
- Money & Securities
- Newly Acquired or Constructed Property
- Outdoor Property
- Personal Property Off-Premises
- Attached Signs
- Valuable Papers & Records
Meet Our Team
Lloyd Singh, CPIA,PIAM
Co-Owner/Agency Principal
I was born and raised in Miami, Florida. While attending Keiser University, I started my insurance career in 2003.I graduated from Keiser with a degree in Business. I have now been in the insurance industry for over 18 years. To better serve our clients, I have furthered my insurance education and obtained my CPIA (Certified Professional Insurance Agent) and PIAM (Professional in Account Management) designations. I currently oversee First Choice Insurance operations and marketing. In addition to P&C insurance, I am also a licensed realtor and enjoy selling homes also!
Outside of the office, I love traveling with my wife and kids and seeking new adventures!
Karen Rhagnanan, CPIA,PIAM
Agency Manager (Miami) Location
In 2009 I joined FCIS as Co-Owner alongside my brother Lloyd and we became a family business. I attended Florida International University where I graduated with a degree in psychology and obtained my insurance license in 2009. Over the past 12 years I’ve developed a specialty in Homeowners and Commercial insurance. I enjoy helping our clients find the right coverage and coaching them to better protect their assets. I currently oversee the operation of our Miami location.
When I’m out of the office I enjoy spending time with my family and two dogs.
Sean Spitzer
Licensed Agent
Specialty: Auto Insurance & Special lines
Born and raised in South Florida. I obtained my insurance license in 2006 and began my career with Allstate Insurance. I have managed a few agencies throughout my career. I began with FCIS in 2018 with a specialty in Auto Insurance and Specialty Lines such as Boats, RV’s, Motorcycles, and other household toys!
Outside the office, I love coaching and playing hockey with my boys and spending time with my family.
Tony Caldwell
Licensed Insurance Agent (Florida, South Carolina, North Carolina, and Georgia)
Tony began his insurance career in 2007. He enjoys working with our clients to find them the best protection for the best price! When he’s not in the office he enjoys hunting, fishing and spending time on the water.
Kimberly Jaglal, CPIA
Licensed Insurance Agent
Specialty: Commercial Lines
I was born and raised Miami, Fl. I worked in retail until I got my insurance license in 2009. After selling various lines of insurance, my favorite line of business is Commercial insurance. I love working with our clients to protect their business and keep them running!
Outside of the office I love traveling with my husband and children and spending time with friends and family.
Kashere Persaud
Licensed Insurance Professional
Specialty: Commercial, Home and Auto Insurance
I was born in Guyana and my parents and I migrated to the US when I was 5. I was raised in South Florida and attended Miami Southridge Senior High. I am currently attending Miami Dade College to obtain my degree in Business Administration. I started with FCIS in 2015 and provide quality service to our clients.
Outside of work I love spending time with my new born son, husband and family.
Debra Cain
Licensed Insurance Professional
Specialty: Homeowners and Flood Insurance
I was born in the Bahamas and raised in South Florida. I received my degree in Busines Administration and attended North Carolina Central University. I am certified in diversity and my background is in social services. In, 2010 I obtained my insurance license and education. I love speaking with our clients and providing quality customer service!
Outside of the office I enjoy participating in various charity events and socializing with friends and family.
Roxan Gerao
Support Specialist
Roxan assists our clients with payments, certificates of insurance, and other service requests.
States We Write In
Affiliations
