Preferred Concepts LLC
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Preferred Concepts LLC
Contact Us
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Directors & Officers
Mercator Risk Services provides Directors and Officers (D&O) liability insurance to a wide range of organizations. This coverage helps protect the personal assets of decision makers from costly lawsuits. The primary D&O segments include:
  • Public Companies
  • Private Companies
  • Non-Profits, including Associations and Unions
  • Financial Institutions/Financial Related
  • Initial Public Offerings (IPOs)
  • Trustee Liability & Trusts
  • Distressed/Hard-to-Place Accounts
Certain segments have undergone significant change. For public companies, recent judicial decisions, regulatory scrutiny, corporate scandals and industry consolidation have increased the exposures and liabilities affecting the directors & officers. Mercator Risk Services’ markets are able to provide the protection directors and officers are seeking.
Private company D&O has evolved into a comprehensive product with a variety of coverages, and Mercator Risk Services provides highly competitive proposals from a range of markets for this segment. Proposals can be provided with separate limits for each coverage as well as on an aggregated (single) limit basis.
Non-profit D&O is another large segment, and Mercator provides a number of competitive markets for this segment. Non-profit D&O policy forms can vary greatly. Some policy forms provide D&O only, but many have been extended to provide employment practices liability coverage (EPL) and professional liability coverage (errors & omissions or E&O).
Because they see a mix of D&O accounts, they utilize a large number of D&O markets for all types of D&O in all states. Not all of these markets are willing to quote each account, but they are typically able to obtain competitive terms on most accounts. Mercator can offer primary limits of up to $10 million, and also significant excess limits. Minimum premiums vary depending upon the class, but start as low as $950. Minimum deductibles start as low as $0!
Mercator Risk Services can usually utilize an application you have to get started (other than a renewal application), or they can provide a specialized application for your client.
Hard to Place: They also handle hard to place, distressed and unusual accounts, such as accounts with claims or financially impaired accounts. Let them know about your clients’ needs and they’ll provide you with information and assistance with your particular situation or account and Directors & Officers Liability coverage.
For more information, please call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on their products, insurance applications, and Specialty Lines insurance information on their Web site

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
  • Carriers:
  • Carrier Ratings:
    A.M. Best A rated
  • Commission:
  • Min Premium:


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  • Applications
    Please complete the appropriate application and fax to Robert Sargent at 860-527-2438.


Mercator Risk Services utilizes a short brokerage agreement, which is typically completed at the time of binding your first account.
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Preferred Concepts LLC has other insurance programs like Accountants.