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Fox Point Programs offers a focused Errors & Omissions program designed specifically for Abstractors, Examiners and Searchers. Rather than treating these professionals as full title agents with broader liability exposures, Fox Point underwrites this class with targeted coverages and competitive pricing through its in-house underwriting team and placement with an A (Excellent) rated carrier. The program is administered by Fox Point Programs as a Managing General Agency and is intended for agents seeking a specialist market for abstracting and title search operations. Overview of the Program This Abstractor E&O program is designed to address the professional liability exposures unique to abstractors, examiners and searchers — including mistakes in title searches, boundary errors, and documentation oversights that can lead to financial loss. Coverage features are crafted to reflect the narrower duties and lower general-liability risk profile of these professionals compared with full title agents, which typically results in more competitive premiums and fewer unnecessary exclusions. Ideal Accounts and Appetite Independent abstractors and search firms performing title searches, chain-of-title work, and related documentation services. Small to mid-sized exam offices with no escrow or underwriting of title policies. Providers offering ancillary services such as notary acts, substitute trustee services, or foreclosure crier work (see coverage options below). Accounts with professional controls and QA procedures: written search protocols, peer review, and documented file retention practices. Coverage Highlights and Advantages Multiple Limits and Deductible options to fit varying exposures and budgets* Prior Acts coverage available with proof of prior coverage, reducing gaps for long-running practices Defense Outside the Limits available* Optional extensions for Foreclosure Crier services, Substitute Trustee services, and Notary services* Underwritten internally by Fox Point for faster decisions and consistent application of appetite Placement through an A (Excellent) rated carrier for financial stability Underwriting Notes and Minimum Premiums Fox Point evaluates accounts based on the scope of services, annual revenues, claims history, and controls in place (file review procedures, staffing, and quality assurance). Certain higher-exposure operations — such as firms that issue or underwrite title insurance, operate escrow, or accept large fiduciary duties — are typically outside this program’s appetite. Minimum premiums and specific terms vary by account and state; discuss the client’s operations with Fox Point underwriting for an accurate indication. Territories and Availability This program is available in most states. Fox Point currently markets this coverage in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Availability and admitted vs. non-admitted options may differ by state. How This Program Helps Your Clients Provides professional liability protection tailored to abstracting and search exposures, avoiding higher cost coverages designed for full title agents. Allows you to offer competitive terms and prior acts continuity to long-standing firms. Optional extensions let you package related low-exposure services under one policy for easier client servicing. Example Accounts You have a regional abstracting firm with five reviewers who perform residential and commercial title searches only — no escrow or title insurance issuance. This program can provide tailored E&O limits and prior acts coverage. A small legal-support company performs foreclosure crier notifications and limited trustee duties in addition to searches; the program can include those services as endorsed coverages where eligible.* Applications and Next Steps Complete the Title Abstractors application to submit risks for review. Underwriters can provide indications quickly when you include details on revenue, services performed, staff qualifications, and claims history. Title Abstractors Application *Certain restrictions may apply. Coverage, availability and terms vary by state and by carrier. Fox Point Programs acts as a Managing General Agency; placement and underwriting decisions are subject to carrier guidelines. Frequently Asked Questions What types of abstracting/search operations are a good fit for this Fox Point program?Firms that perform title searches, chain-of-title work, and related documentation tasks without issuing title insurance or operating escrow are the primary fit. Small to mid-sized exam offices with formal QA controls are ideal. Can prior acts coverage be included for long-running practices?Yes. Prior acts coverage is available when the applicant provides evidence of prior coverage, helping prevent gaps for firms with an established operating history. Are services like notary, substitute trustee or foreclosure crier automatically covered?Those services can often be added as endorsements where eligible, but availability depends on the exact nature of the services and state licensing—underwriting review is required. What information does Fox Point need to underwrite an abstractor account?Provide a completed application, description of services, annual revenues, staff roles/qualifications, sample search protocols or QA procedures, and claims history. The more detail on controls and workflows, the faster Fox Point can provide an indication. In which states is this program available?Fox Point markets this program in most states. See the program details above for the current list of states; admitted vs. non-admitted options vary by jurisdiction. Need help placing an account? Connect with a market specialist.

Terrace CIM Carrier Interface Management Software Terrace CIM is advanced, flexible software designed for the Insurance industry. CIM allows 1) carriers to create download files for agencies and 2) agencies to process carrier information and store it locally. CIM is a simple, fast 'out of the box' solution for your interface processing requirements. Elegant, Scalable Architecture Terrace CIM utilizes a simple architecture for creating and processing Insurance information. The server / schema architecture integrates highly-available Windows Server services with abstracted file descriptions. CIM Engine The CIM engine is built to process a high volume of data - unattended - with complete support for activity logging, error processing and failover. The CIM engine is bi-directional, facilitating the writing and/or reading of standard files. CIM Schemas Terrace has abstracted each Insurance file description into simple, self documenting XML schemas. These schemas drive parsing and storage of the policy and accounting data. All Lines of Business CIM is built to process a variety of data, including Policy files (Personal Lines and Commercial Lines), Claims and Accounting (e.g., direct bill transactions). CIM processes standard files (AL3, ACORD XML, CSIO) and non-standard files (Excel, ASCII, etc.). Agencies & Carriers Terrace CIM is built to support reading and/or writing of standard and non-standard insurance files. All vendor agency systems are supported.

Title Agents / Title Abstractors / Escrow Agents — Professional Liability Preferred Concepts LLC places professional liability (Errors & Omissions) coverage for title agents, title abstractors and escrow agents through a program underwritten by Mercator Risk Services. Mercator writes title agent E&O nationwide and can provide coverage in all states and the District of Columbia. This program is designed for independent agents and brokers seeking a specialized market for title-related professional liability exposures. Overview While frequency of title-related professional liability claims is relatively low, when they do occur the severity can be significant. Typical claims allege financial loss by a client caused by an error or omission in title searches, closing or escrow handling. Mercator’s program responds on a claims-made basis, with limits and deductibles underwritten to match the size and operations of the insured. Preferred Concepts LLC can help you identify the best placement within the Mercator program or other available carriers. Ideal Accounts and Appetite Title agents, independent abstractors and escrow agents of varying sizes. Companies conducting title searches, preparing title commitments, issuing closings, and handling escrow funds. Standard accounts as well as hard-to-place, distressed or unusual accounts, including those with prior claims or financial impairment. Coverage Highlights and Advantages Professional liability (E&O) tailored for title operations — written on a claims-made basis. Ability to consider accounts with prior claims or financial issues that other markets may decline. Limits and deductibles sized to the account’s operations; terms vary by carrier and risk profile. Access to multiple carriers through Mercator and other markets — Preferred Concepts can help you navigate options. Underwriting Notes Mercator can usually accept a standard application you already have (except for renewals); they also offer a specialized application when needed. Provide full details on prior claims, escrow practices, controls, and financial condition to get the most accurate quote. Terms are risk-specific — limits, retentions and pricing vary by size of operations, prior loss history, and control environment. Territories and Availability Available throughout the U.S.: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Place This Business Through Preferred Concepts LLC Wholesale broker access to Mercator Risk Services and multiple carrier options for title E&O. Experience placing routine and harder-to-place title, abstracting and escrow risks. Support through the submission process, including guidance on applications and documentation needed for underwriting. If you have a client that needs title agents, abstractors or escrow agents professional liability, please contact Mercator Risk Services at (860) 527-9717 or e-mail [email protected]. Additional product information, applications, and specialty lines resources are available on Mercator’s website: www.mercatorpro.com. Frequently Asked Questions What types of title operations are a good fit for this program?Independent title agents, abstractors and escrow agents that perform searches, prepare commitments, manage closings, or handle escrow funds are a good fit. The program accepts routine exposures as well as some non-standard or distressed accounts. Can you place accounts with prior claims or financial issues?Yes. Mercator’s program and the carriers available through Preferred Concepts routinely consider hard-to-place accounts, including those with prior claims or financial impairment, though those risks will be evaluated case-by-case. Is coverage written on an occurrence or claims-made basis?Coverage is generally written on a claims-made basis. Limits, retentions and specific wording will depend on carrier underwriting and the insured’s operations. What do you need to start a submission?Underwriters typically ask for a completed application, loss run history, description of escrow controls and closing procedures, and any financial information relevant to the operation. Mercator can usually start from an application you already use or provide a specialized application. Which states is the program available in?The program is available nationwide, including all U.S. states and the District of Columbia. Need help placing an account? Connect with a market specialist.