Internet Advertisers Program from Preferred Concepts LLC
Preferred Concepts LLC, working with Mercator Risk Services, offers a specialized media liability and E&O solution for businesses that advertise, publish, or market online. Designed for independent agents and brokers, this wholesale program helps you place clients with exposures arising from digital advertising, social media, web content, and other online communications.
Ideal Accounts and Appetite
This program fits businesses that regularly create, manage, or promote content on the internet, including:
- Digital marketing agencies
- Social media managers and content creators
- Web developers and designers
- Online publishers and bloggers
- E-commerce businesses using SEO and paid advertising
Preferred Concepts also works with hard-to-place and distressed accounts—clients with prior claims, adverse loss history, or financial challenges. If you have a complex media exposure, discuss the details so underwriting can tailor available options.
Coverage Highlights and Examples
The program provides media liability coverage (including copyright and trademark exposures) and Errors & Omissions protection for online services. It is designed to respond to common digital risks such as defamation, infringement, invasion of privacy, and improper use of third-party content.
Examples agents commonly encounter:
- An internal email about a client is accidentally shared externally and leads to a defamation claim.
- A web developer places a copyrighted image or an unlicensed link on a client’s site and faces an intellectual property suit.
- A business uses competitor brand names as metatags and is accused of trademark infringement.
Coverage can be structured to respond to these scenarios and similar exposures that arise from marketing, publishing, or distributing content online.
Underwriting Notes and Minimum Premiums
Mercator Risk Services can typically underwrite from an existing application (non-renewal) or supply a specialized application upon request. Underwriting is flexible to accommodate both standard digital media accounts and more complex placements. Minimum premiums vary by carrier and risk—discuss client specifics for accurate guidance.
Territories and Availability
This is a non-admitted program available in all 50 states and the District of Columbia. Preferred Concepts leverages a broad carrier panel to secure solutions for clients in any U.S. jurisdiction.
Why Work With Preferred Concepts LLC
As a wholesale broker, Preferred Concepts gives agents access to multiple specialty markets and the digital-media expertise of Mercator Risk Services. The team focuses on responsive service, flexible underwriting, and options for difficult or unusual accounts. Use this program when your client communicates publicly online and needs focused media liability and E&O protection.