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Accounting firm insurance can help protect against the ever increasing liability claims and significant attorney fees that are a result of the broad option of services required by third parties and clients. The associates at CalSurance will provide you with unique solutions for Accounting firms based on our proven experience. Coverage can protect against: • Losses due to negligent acts • Errors and Omissions committed in the scope of your professional services Products that we can place for our Accounting Firm Insurance include: • Limits up to $5 million (excess limits available if needed) • Coverage for the firm, its advisors and other employees • Comprehensive definition of professional services • products from A rated carriers • Combination policies including professional and fiduciary liability • Options for employment practices liability • Coverage for punitive damages (where allowed by law) • Fidelity bonds • Spousal Coverage For more information on out Accounting Firm Insurance contact us today!

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!

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.

Public Company Directors & Officers Insurance (D&O) Are your clients protected with the right Directors & Officers (D&O) insurance? Whether you represent a public company, private business, or nonprofit, Tennant Risk Services provides market access and underwriting expertise to place D&O coverage tailored to each client’s exposures. Tennant Risk Services is a Managing General Agency and Excess & Surplus Lines Broker focused on D&O across a broad range of industries and organizational structures. We work with retail agents and brokers to secure competitive terms and quick turnaround from top-tier carriers. Coverage is available in all 50 states and Washington, DC, with admitted and non-admitted options depending on the risk and market. Classes We Serve: Public companies Private companies Nonprofit organizations Associations & unions Companies preparing for IPOs Limited and other partnerships Trusts and trustees Special Coverage Options: Side A Excess Individual directorship coverage We routinely handle complex or challenging accounts, including: Accounts with adverse loss history Unique or layered financial structures Financially distressed companies Crowdfunding or pre-IPO ventures Recapitalizations and M&A exposures Public officials and quasi-governmental entities Reps & warranties liability considerations Coverage Highlights: Access to multiple carrier markets for competitive terms Flexible limits, attachment points, and deductible options Separate limits available for specific exposures (e.g., Side A) Risk management support and loss-control guidance for insureds Sample D&O Placements: Private Company – Specialty Equipment Rental: $1M Limit / $8,000 Premium Public Company – Biopharmaceutical Research: $5M Limit / $83,000 Premium Non-Profit – Recreational Association: $1M Limit / $1,000 Premium Private Company – Equipment Distributor: $5M Limit / $12,000 Premium Territories & Market Access: We can place D&O coverage in all 50 states and Washington, DC. Tennant has access to both admitted and non-admitted markets; the best option depends on the account’s profile, state requirements, and carrier appetites. Underwriting Notes & Minimum Premiums: Tennant works with multiple carriers, so minimum premiums and eligibility vary by market. Provide complete submission details—financials, current D&O program wording, loss run history, and a summary of any special exposures—to help us target the right markets and pricing quickly. Typical Accounts That Fit This Program Public companies seeking primary or excess D&O capacity Private firms with growth, M&A, or recapitalization plans Startups and pre-IPO companies needing IPO-tailored solutions Nonprofits, associations, and trustees with fiduciary exposures Tough placements—prior losses, distressed balance sheets, or complex financial arrangements Why Work with Tennant Risk Services? Tennant supports retail brokers with specialty underwriting knowledge, broad market relationships, and responsive service. We prioritize efficient submissions, timely feedback, and practical placement strategies—especially for difficult or high-exposure D&O risks. Use Tennant to broaden your market access and improve terms for standard or complex D&O accounts. For questions, submissions, or to discuss a client situation, please call or email us. We look forward to working with you! Frequently Asked Questions What types of accounts are a good fit for this D&O program?We work with public companies, private businesses, nonprofits, associations, trustees, and more—including tougher accounts such as financially distressed companies or those with prior losses. Can Tennant Risk Services help with D&O coverage for startups or IPOs?Yes. We offer solutions for startups, companies preparing for an IPO, and entities involved in crowdfunding or complex financial structures. Which states is this D&O program available in?This program is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options depending on the carrier and the account. Do you offer Side A D&O or individual director coverage?Yes. We can place Side A Excess coverage and individual directorship coverage when appropriate for the client. What is the minimum premium for this program?Minimum premiums vary by carrier and account specifics. We work across multiple markets to identify competitive minimums for each submission. Need help placing an account? Connect with a market specialist.

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Private Company Directors & Officers Insurance (D&O) Do your clients have the right Private Company Directors & Officers (D&O) protection? Tennant Risk Services offers tailored D&O programs for private, public and non-profit organizations — backed by broad market access and underwriting expertise. We deliver competitive terms, fast turnaround, and placement options across admitted and excess & surplus markets so you can place difficult or high-exposure accounts with confidence. Tennant Risk Services provides Private Company Directors & Officers Insurance (D&O) for a wide range of organizations. Tell us about your client and we will respond quickly with market options and competitive pricing. Our underwriting is focused on getting broad coverage at lower cost whenever appropriate for the risk. Classes and target account types: Private companies Public companies Non-profit entities Associations & unions Initial public offerings (IPOs) Limited and other partnerships Trusts & trustees Special coverage provisions and optional modules: Side A Excess (A-Side) coverage Individual directorship coverage Custom programs for groups or pooled arrangements Ability to combine with EPL, Cyber, Fiduciary, Crime, Professional E&O where appropriate Tougher accounts? Put our D&O expertise to work. We routinely handle placement challenges such as: Adverse loss experience Unique or complex financial structures Financially distressed entities and recapitalizations Public officials and quasi-governmental entities Reps & warranties-related exposures Program highlights and advantages: Minimum premiums as low as $750 Multiple markets — carrier placement varies by risk, size and territory Wide variety of limit and deductible options; separate limits available Risk management services and loss-control support Flexible admitted and E&S solutions through our MGA and broker relationships Representative D&O account examples agents place through this program: Private company — specialty equipment rental: $1M limit, $8,000 premium (example placement). Public company — biopharmaceutical research: $5M limit, $83,000 premium (example placement). Non-profit — recreational association: $1M limit, $1,000 premium (example placement). Private company — equipment distributor: $5M limit, $12,000 premium (example placement). Underwriting notes and how to submit Tennant Risk Services acts as a Managing General Agency and Excess & Surplus Lines broker with access to multiple carriers. Provide standard D&O submission materials (application, financials, corporate structure, prior loss runs and any IPO or transactional documents if applicable). Minimum premiums can start around $750; final pricing depends on exposure, limits, and attachment points. Territories and availability This D&O program is available in the following states: 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. Coverage placement and admitted vs. non-admitted options vary by state and carrier. Why work with Tennant Risk Services on D&O We focus on specialty D&O business and complicated placements — from IPO readiness to distressed transactions. Our strengths include broad market relationships, tailored program design (including Side A and individual directorship solutions), and underwriting that seeks to balance coverage breadth with competitive pricing. We support retail agents with expert guidance through placement and policy issuance. For more information, to discuss a specific client challenge, or to submit an account, please call or email ([email protected]). We look forward to partnering with you. Put our Directors & Officers Insurance (D&O) expertise to work for you! Frequently Asked Questions What types of accounts are a good fit for Tennant's Private Company D&O program?Private and public companies, non-profits, associations, partnerships, trusts and IPO-bound firms are core targets. The program also handles tougher risks such as financially distressed entities, recapitalizations and organizations with adverse loss history. Which coverages and policy features can I request through this program?You can pursue primary and excess D&O limits, Side A excess, individual directorship coverage, and package placements that include EPL, Cyber, Fiduciary, Crime or Professional E&O where markets permit. What submission materials does Tennant typically require?Provide a completed application, recent financial statements, corporate structure details, prior loss runs and any IPO or transaction documentation. The underwriters will advise on additional items based on the account. How are markets and admitted status determined?Tennant places business with multiple carriers; admitted versus non-admitted placement depends on the state, carrier appetite and the client’s risk profile. Expect flexibility through our MGA and E&S broker channels. Is there a minimum premium or small-account option?Yes — minimum premiums can start around $750. Final premium depends on limits, deductible, exposure and carrier selection. Need help placing an account? Connect with a market specialist.