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We take a slightly different approach to underwriting than most general agencies by starting with one fundamental principle in mind; SERVICE. Our commercial property/casualty underwriters are some of the best in the industry, with years of experience and training. You’ll see that our proven, service oriented team will provide you with the ultimate advantage to writing your surplus business. Whether it is one of our programs or some other classification you need placed, we can help.

Directors and Officers Liability insurance coverage is designed to give financial relief when the management of a company is pursued legally. The D&O insurance policy will cover defense costs for investigations or trails against a company's directors and officers. Each insurance company’s policy will employ its own language, but in general terms: Insuring Agreement A, often referred to as “A-Side Coverage,” typically provides coverage directly to the directors and officers for loss – including defense costs – resulting from claims made against them for their wrongful acts. A-Side Coverage applies where the corporation does not indemnify its directors and officers. Insuring Agreement B, or “B-side coverage,” reimburses a corporation for its loss where the corporation indemnifies its directors and officers for claims against them. B-side coverage does not provide coverage for the corporation for its own liability. The language and conditions of Insuring Clause B typically mirror Insuring Clause A. Many D&O policies offer an optional coverage to protect the corporation against securities claims.

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 www.mercatorpro.com.

Program Highlights: Separate Directors & Officers Liability and Employment Practices Liability Limits EPL Defense Costs outside the Limit of Liability for firms with up to 200 employees. Unlimited Extended Reporting Period for former Directors & Officers Provides the protection of an occurrence policy EPL Wrongful Act extends to 12 named perils including acts arising out of use of the internet and Third Party Sexual Harassment. Optional Third Party Discrimination if EPL is purchased. Stand alone Directors & Officers Liability option Optional Fiduciary Liability Extension Entity Coverage included automatically in D&O and EPL Coverage Parts Full Prior Acts Coverage Punitive Damages where insurable by law. Automatic Coverage for service on Non Profit 501(c)(3) Boards Spousal Extension

Bankers Condo Associations Profit & Non Profit Organizations Youth Amateur Sports Errors and Omissions Most all professionals New Programs: Directors & Officers for Youth Amateur Sports (Pony, Little League, Soccer, Pop Warner, etc.) Example: League Association — No Charge, $1 million coverage Teams-$275.00 — $1 million coverage!! Fidelity Youth Amateur Sports Example: $125.00 per team — $10,000.00 coverage