Preferred Concepts LLC, in partnership with Mercator Risk Services, offers a focused Architects & Engineers (A&E) Professional Liability program for a broad range of design and technical professionals. The program gives agents and brokers access to markets that handle both standard placements and hard-to-place A&E accounts. Whether your client is a sole practitioner or a larger firm with complex exposures, Mercator provides underwriting expertise and market relationships to help you place the business efficiently.
Ideal Accounts and Appetite
The program targets virtually all A&E classes, including:
- Residential and commercial architects
- Civil, structural, mechanical, electrical and HVAC engineers
- Construction managers and design/build firms
- Forensic engineers and telecommunications engineers
- Interior designers, landscape architects and urban planners
- Land surveyors
Mercator is experienced with distressed and hard-to-place submissions. Clients with prior claims, unusual operations, or atypical risk profiles are routinely reviewed; many can be placed with appropriate underwriting and policy structure.
Coverage Highlights and Advantages
Mercator places A&E professional liability through several specialty carriers and can tailor solutions for specific operations and project exposures. Key program features include:
- Flexible form options: claims-made or occurrence
- Optional extensions for pollution, cyber, and technology-related liabilities
- Prior acts coverage available subject to underwriting
- Non-admitted placements that provide broader underwriting flexibility for complex or niche risks
The program accommodates a wide variety of project types, from local residential work to large infrastructure projects.
Underwriting Notes and Minimum Premiums
Underwriting is pragmatic and submission-driven. Mercator will usually accept an existing application to begin review (renewal applications are excluded), or they can supply the appropriate form. Pricing is competitive and depends on class, revenue, project exposure, and loss history. If a submission is challenging, Mercator’s team will discuss structure options that improve placement prospects.
Territories and Availability
This Architects & Engineers program is available nationwide — all 50 states and the District of Columbia — enabling you to place business across your territory with consistent access to Mercator’s carrier panel.
Why Work With Preferred Concepts and Mercator Risk Services?
Preferred Concepts acts as a wholesale broker, pairing agents with Mercator’s specialty underwriting and market access. Mercator brings decades of experience placing professional liability for design professionals and focuses on service for accounts that fall outside standard underwriting boxes.
From quick quote turnarounds to tailored submission strategies for difficult risks, Mercator supports agents throughout the placement process. For more information, call (860) 527-9717 or email [email protected]. You can also explore applications and product details at www.mercatorpro.com.
Need help placing an account? Connect with a market specialist.