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Mercator Risk Services, offered through Preferred Concepts LLC, delivers comprehensive Directors & Officers (D&O) Liability Insurance solutions for a wide range of organizations. This program is designed to help protect the personal assets of corporate decision-makers and board members from lawsuits related to their management decisions. Whether your client is a public company, private firm, or nonprofit organization, Mercator has the markets and underwriting expertise to help you place this critical coverage. Ideal Accounts and Appetite Mercator Risk Services targets a broad spectrum of D&O risks, including: Public Companies Private Companies Nonprofits (including associations and unions) Financial Institutions and Financial Services Firms Companies Preparing for Initial Public Offerings (IPOs) Trustee Liability & Trusts Distressed or Hard-to-Place Accounts You might have a client that is a small nonprofit seeking D&O and EPL coverage, or a private company with a recent leadership change and increased litigation exposure—Mercator can provide markets for both. Coverage Highlights and Advantages D&O exposures continue to grow due to increased regulatory scrutiny, industry consolidation, and evolving legal landscapes. Mercator works with a wide network of carriers to provide tailored coverage solutions that address these risks. Key coverage options include: Separate or aggregated limits for D&O, EPL, and E&O coverages Competitive policy terms for nonprofits, including packages with EPL and professional liability Primary limits up to $10 million, with excess capacity available Programs available for accounts with prior claims or financial impairments Many policies can be customized based on your client’s specific exposures, and Mercator can provide specialized applications or work with an existing one to get started quickly. Underwriting Notes and Minimum Premiums Mercator can typically secure competitive terms across most account types. Minimum premiums start as low as $950, with deductibles beginning at $0 depending on class and risk characteristics. Each submission is evaluated individually, and Mercator’s broad market access helps ensure flexible solutions for both standard and complex placements. Territories and Availability This program is available in all 50 states, including DC. Whether your insured is based in California, New York, Texas, or a smaller market like Wyoming or Vermont, Mercator can help you find the right fit for their D&O needs. Why Work With Preferred Concepts and Mercator Risk Services? As a wholesale broker, Mercator Risk Services brings extensive experience and deep market access to the D&O space. Their ability to handle both standard and hard-to-place risks makes them a valuable partner for agents and brokers navigating today’s complex liability landscape. You’ll benefit from responsive service, underwriting expertise, and tailored proposals that help you secure the right protection for your clients. For more information, please call (860) 527-9717 or email [email protected]. Additional details, insurance applications, and other specialty lines resources are available on their website at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this Directors & Officers program?This program is ideal for public and private companies, nonprofits, financial institutions, and accounts preparing for IPOs. It’s also suitable for distressed or hard-to-place risks. Can this program handle accounts with prior claims or financial issues?Yes, Mercator Risk Services specializes in placing distressed or unusual D&O accounts, including those with prior claims or financial impairments. Is employment practices liability (EPL) included with the D&O coverage?Many nonprofit and private company policies can include EPL as part of the coverage package. Availability depends on the market and client profile. What are the minimum premiums and deductibles?Minimum premiums typically start at $950, with deductibles as low as $0, depending on class and underwriting criteria. Do I need to use a specific application to submit a risk?No, Mercator can often begin with an existing application (other than a renewal app) or provide a specialized one tailored to your client’s needs. Need help placing an account? Connect with a market specialist.

CalSurance offers coverage to Financial Institutions with the strive to help them against the higher frequency of lawsuits and investigative action. This action is being brought on by regulators, creditors, employees, and customers. The cost of the defense on these actions alone can be very great and devastating to a financial institution. Financial Institution Directors and Officers Insurance is designed specifically to protect against actions such as: • Lack of fiduciary oversight • Non-compliance with government regulations • Mismanagement • Employment Practices litigation (such as wrongful termination and harassment) For more information on our Financial Institution Directors and Officers Insurance contact us today!

Employees are the backbone of any business. For companies that install office equipment, field staff face distinct on-the-job risks: lifting heavy copiers and printers, maneuvering bulky equipment through tight stairwells, working on customer premises, and handling wiring and racks. As an agent or broker, you need a Workers Compensation solution that reflects those exposures and the operational practices of the contractor. Novatae Risk Group, in partnership with Empire Underwriters, offers a focused Workers Compensation Insurance program for Office Equipment Installers. With more than 30 years of experience placing this class, our underwriting team understands the loss drivers, common loss scenarios, and the loss-control measures that make the difference. Whether your client installs copiers, printers, server racks, cabling, or other commercial office systems, this program is structured to meet their trade-specific needs while providing fast service for you. Ideal Accounts and Appetite Small to mid-sized office equipment installation firms with field technicians Companies with manual-labor exposure but documented safety programs and training Accounts with prior coverage and an otherwise manageable loss history New ventures may be considered if adequate documentation and controls are provided You might have a client who routinely installs multifunction printers across multiple office locations, or a regional IT integrator that ships and installs server racks and structured cabling. Those are the types of accounts that typically fit this program. Coverage Highlights and Advantages Competitive commission structure for agents and brokers Fast quote turnaround when a completed submission is provided Program available across a broad set of states to support regional accounts Minimum premium starts at $7,500 The program balances competitive pricing with underwriting rigor. Quick response times and broad market access help you place accounts efficiently and keep your clients working. Submission Requirements Completed ACORD 130 application Three years of currently valued loss runs Supplemental questionnaire specific to office equipment installers Details on any large or unusual prior losses Underwriting Notes and Minimums Underwriters focus on job duties, crew size, use of lift or mechanical aids, driver exposure, and documented safety practices. Strong safety programs, routine employee training, written lift procedures, and evidence of routine vehicle and equipment maintenance help your submissions. The program has a minimum premium threshold of $7,500; larger accounts can be placed across available markets depending on loss experience and controls. Available Territories This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Contact us to confirm current availability in a client’s specific state. Why Work With Novatae Risk Group Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker with specialty expertise in nuanced workers compensation placements. Our longstanding relationship with Empire Underwriters gives agents access to a range of admitted and non-admitted markets and to underwriters who know this trade. We combine market access with a service-driven approach to help you move submissions quickly and place accounts where standard markets are constrained. Need a Workers Compensation Insurance quote for your Office Equipment Installer client? Email [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for businesses that install, service, or move office equipment such as copiers, printers, IT hardware, and similar systems. Ideal accounts have field staff, documented safety protocols, and a generally favorable loss history. What documents are needed to submit an application?Required documents include a completed ACORD 130, three years of loss runs (currently valued), a supplemental questionnaire, and details on any large prior losses. Which states is this program available in?The program is available in over 20 states, including CA, TX, NY, FL, and IL. Contact your underwriter to confirm availability in the specific state where the risk operates. Is this program admitted or non-admitted?We have access to multiple markets, allowing placements in both admitted and non-admitted options depending on the state and the specifics of the risk. How fast can I get a quote?Quotes are typically turned around quickly once all required documentation is received. Providing complete loss runs and the supplemental questionnaire up front speeds the process. Need help placing an account? Connect with a market specialist.

Continental Risk / Continental Marine Insurance Services offers comprehensive Directors and Officers (D&O) insurance solutions tailored for both non-profit and for-profit organizations. This program is designed to help insurance agents and brokers place coverage that protects key decision-makers and entities from a wide array of management liability exposures. The D&O program covers directors, officers, trustees, employees, volunteers, and the organization itself. It goes beyond traditional liability coverage to address complex and emerging risks, including allegations of fraud, misrepresentation, unfair competition, employment practices violations, and mismanagement of employee or pension benefit plans. Ideal Accounts and Appetite Private Companies: Closely held businesses across most industries. Not-for-Profit Organizations: Including charities, associations, and foundations. Public Entities: Select publicly traded companies (contact for underwriting review). Excess Coverage: Available for companies seeking additional layers of protection. Coverage Highlights and Advantages Directors & Officers Liability: Protects insureds from claims related to management decisions and negligence in their executive roles. Fiduciary Liability: Covers fiduciary duties related to employee benefit plans; available on a primary or excess basis. Employment Practices Liability: Addresses claims such as wrongful termination, discrimination, and sexual harassment. Tenant Discrimination Coverage: Helps property owners and managers defend against discrimination claims brought by prospective, current, or former tenants. Underwriting Notes and Minimum Premiums Primary and excess options are available with flexible structuring. Separate limit towers and retentions can be applied for each coverage part. Coverage is non-cancellable except for non-payment of premium. Capacity limits up to $10 million are available. Primary coverage suitable for entities with revenues up to $750 million. Excess coverage available with no revenue threshold. All classes considered except financial institutions. Minimum premiums vary depending on risk characteristics. Territories and Availability Available in all 50 states and Washington, DC. Some markets are admitted, while others are non-admitted, depending on jurisdiction and risk profile. Why Work With Continental Risk Continental Risk is an experienced Excess & Surplus Lines Broker with access to a broad spectrum of carriers. They offer tailored solutions for complex management liability exposures across various industries. Their underwriting team understands the nuanced needs of both non-profit and corporate clients. Responsive service and flexible program design help agents secure competitive coverage for difficult-to-place risks. Whether you have a non-profit board seeking protection for its volunteers or a mid-sized private company concerned about employment practices claims, Continental Risk provides a robust and flexible D&O insurance solution. Their expansive state availability and ability to write both primary and excess layers make them a valuable partner for agents placing management liability accounts. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private companies, not-for-profit organizations, and select public companies seeking primary or excess Directors and Officers coverage. Does the program include employment practices liability?Yes, Employment Practices Liability Insurance (EPLI) is available and covers claims such as wrongful termination, discrimination, and harassment. Can I write coverage in any state?Yes, this program is available in all 50 states and Washington, DC. Admitted status may vary by market and state. What is the maximum coverage limit available?Capacity limits are available up to $10 million, depending on the risk and coverage part. Is there a revenue cap for eligible accounts?Primary coverage is available for companies with revenues up to $750 million. There is no revenue limit for excess placements. Need help placing an account? Connect with a market specialist.

...ts, consultants, attorneys, and accountants. This program bundles property and...sional offices (such as attorneys, accountants, consultants, and real estate p...

Directors & Officers Liability Insurance Offered by Alexander J. Wayne & Associates, Inc. Alexander J. Wayne & Associates, Inc. is a trusted wholesale broker with deep expertise in professional liability risks. Our For Profit Directors and Officers (D&O) Liability Insurance program is designed to protect directors and officers of privately held and publicly traded for-profit companies from a wide range of legal exposures. Overview of the Program Today’s business leaders face increasing legal risks from shareholders, employees, vendors, customers, competitors, and even government entities. Our D&O program is built to help agents place this challenging coverage by offering comprehensive protection for individuals in leadership roles. Whether your client is a startup or an established enterprise, we can help you secure broad coverage that protects both the company and its leadership team. Ideal Accounts and Appetite This program is suitable for a wide range of for-profit entities, including: Privately held companies Publicly traded companies Closely held or family-owned firms We welcome accounts across various industries, with special consideration for those with fewer than 200 employees to take advantage of certain defense cost benefits. If you have a client concerned about boardroom liability, such as a mid-sized manufacturer, technology startup, or retail chain, this program may be an excellent fit. Coverage Highlights and Advantages Our For Profit D&O Liability Insurance program offers a range of policy enhancements and options to address evolving risks: Separate Limit of Liability for Employment Practices Liability (EPL) claims D&O limit is not eroded by employment-related claims Unlimited Extended Reporting Period for former directors and officers at no additional charge EPL defense costs outside the limit of liability (available for accounts with 200 or fewer employees) Optional extensions for Fiduciary Liability and Crime Coverage Duty to Defend policy form Automatic Entity Coverage at no extra cost Spousal extension included Automatic coverage for service on 501(c)(3) nonprofit boards Coverage available for individual directors or officers Underwriting Notes and Carrier Access Alexander J. Wayne & Associates, Inc. works with all major U.S. carriers and Lloyd's of London, both domestic and London open market. This gives us the flexibility to tailor solutions for unique or hard-to-place risks. We offer coverage on both admitted and non-admitted paper, depending on state and risk characteristics. We take a consultative approach to underwriting and work closely with agents to find the best fit for each account. States and Availability This program is available in all 50 states, plus Washington, D.C., making it ideal for agents with multi-state clients or growing regional businesses. Whether you’re located in California, Texas, New York, or anywhere in between, we can help you place your client’s D&O risk. Why Work With Alexander J. Wayne & Associates, Inc.? With decades of experience in professional liability and management risk, Alexander J. Wayne & Associates, Inc. is a go-to resource for agents looking to place complex D&O exposures. We offer personalized support, market access, and underwriting expertise to help you deliver the right solution for your clients. Our broad coverage options, flexible underwriting, and national reach make us a strong partner in this space. Call us today to learn more about our Directors & Officers Liability Insurance program and how we can help you protect your clients' leadership teams. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for privately held and publicly traded for-profit companies, including startups, mid-sized businesses, and family-owned firms across a wide range of industries. Does this program include coverage for employment practices liability?Yes, it offers a separate limit of liability for EPL claims, and for accounts with 200 or fewer employees, EPL defense costs are covered outside the policy limit. Can individual directors or officers be covered under this program?Yes, this program offers coverage options for individual directors or officers, which can be especially helpful in unique board structures or advisory roles. Is this program available nationwide?Yes, the program is available in all 50 states and Washington, D.C. What carriers support this program?We work with all major U.S. carriers and Lloyd’s of London markets, offering both admitted and non-admitted solutions depending on the risk and location. Need help placing an account? Connect with a market specialist.

Directors & Officers Insurance Program from Superior Access Superior Access Insurance Services, Inc. offers a focused Directors & Officers (D&O) Insurance program that helps protect the personal assets of directors, officers and in many cases the organization itself when leadership faces management-related claims. This wholesale program is designed for agents and brokers looking for flexible market access and tailored management liability solutions for privately held businesses, nonprofits, startups and other organizations. Ideal Accounts and Target Classes The program fits a wide range of management liability needs, including: Private companies with active boards or outside investors Nonprofit organizations and trade associations Startups and growth-stage firms preparing for funding Companies undergoing mergers, acquisitions, or internal restructuring Whether you represent a small volunteer-led nonprofit or a tech startup taking on outside capital, this D&O program can be tailored to the account’s governance and exposure profile. Coverage Highlights and Advantages Superior Access places D&O limits that address common leadership exposures and can layer optional protections to meet an insured’s needs. Common coverages and extensions include: Directors & Officers liability for alleged wrongful acts Employment Practices Liability (EPLI) for discrimination, harassment, and wrongful termination claims Entity-side coverage and Side A/B/C options where available Errors & Omissions for managerial advice or professional exposures tied to leadership decisions Bankruptcy or liquidation-related exposures Acquisition/investment-related claims and representational exposures Carriers and available forms vary by state and account characteristics; Superior Access works with multiple markets to assemble competitive and practical placements. Underwriting Notes and Minimum Premiums Underwriting for this program is responsive and designed to handle a broad risk spectrum. Minimum premiums and final terms depend on industry, revenue, employee count, governance practices, and claims history. Superior Access reviews each submission to identify the most appropriate admitted or non-admitted market for the account. Territories and Availability This D&O program is available in most U.S. states, including CA, TX, FL, NY, IL and GA, and Superior Access provides market access across Washington, D.C. and the continental United States. Availability may vary by carrier and coverage form, so confirm state eligibility when submitting. Why Work with Superior Access? As a wholesale broker specializing in professional and management liability, Superior Access offers agents streamlined access to multiple carrier partners and experienced underwriting support. Their strengths include: Fast quote turnaround and hands-on placement assistance Access to both admitted and non-admitted solutions depending on the account Flexibility to handle complex or non-standard risks Guidance on application presentation and loss-control considerations These capabilities help you place D&O business more efficiently and increase the chance of a successful placement for challenging accounts. Contact us today to learn more about our Directors & Officers program! Frequently Asked Questions What types of accounts are a good fit for this program?This program is a good fit for private companies, nonprofits, startups, and other organizations with boards or leadership teams that face management liability exposures. Is Employment Practices Liability Insurance (EPLI) included?EPLI is available as part of the D&O program and can be added to address claims such as discrimination, harassment, and wrongful termination. What is the minimum premium for this coverage?Minimum premiums vary by industry, size, and claims history. Contact Superior Access for underwriting guidance and a quote tailored to your client. Which states is this program available in?The D&O program is available in most U.S. states, including major markets. Confirm state-specific availability when you submit the account. Do you work with multiple carriers for this program?Yes. Superior Access works with a variety of carriers to provide flexible and competitive D&O solutions that match the account’s needs. Need help placing an account? Connect with a market specialist.