Search CompleteMarkets

...ts / Brokers Accountants Actuaries Financial Consultants Colle...ment community such as accountants, actuaries, TPAs and consultants. Hard to ...

Self-insurance for workers’ compensation is a strategic choice to retain and fund losses directly instead of transferring them to a traditional carrier. Unlike standard policies, an individual self-insurance program requires a formal plan to pay claims as they occur—using operating cash or a dedicated reserve—along with compliance steps to meet state requirements. Caitlin Morgan Insurance Services helps agents and brokers evaluate, design and place Individual Self-Insurance Workers' Compensation programs. Our team brings programmatic experience and market access to guide you through feasibility analysis, regulatory filings, actuarial review, and vendor selection so your client’s program is structured and compliant from day one. Ideal Accounts and Appetite This solution is built for larger, financially stable employers that can demonstrate strong claims and safety management. Typical fits include manufacturers, large healthcare operations, colleges and universities, and sizable service organizations with robust loss-control programs. You might have a client with 500+ employees facing escalating premiums and limited control over claims handling — an individual self-insurance program can give them transparency, control, and potential long-term savings. Coverage Highlights and Advantages Self-insurance gives your client direct control over claims administration, loss prevention, and cash flow. Key benefits include: Customizable claims handling and selection of third-party administrators (TPAs) Improved cash flow and the ability to tailor reserve management Greater emphasis on workplace safety and loss prevention initiatives Potential cost savings over time for low-loss employers Applicants must also satisfy state-specific requirements such as surety bonds, reserve funding and periodic reporting. Caitlin Morgan supports compliance, actuarial review and provider selection to help ensure a sustainable program. Underwriting Notes Each submission begins with a feasibility and financial analysis. Underwriting looks at claims history, financial strength, industry exposures, safety programs and risk tolerance. There is no fixed minimum premium published here; applicants must show the financial capacity to fund losses and meet state reserve obligations. Territories and Availability Caitlin Morgan’s Individual Self-Insurance Workers’ Compensation Solutions are available nationwide, including all 50 states and the District of Columbia. We place both admitted and non-admitted structures depending on state rules and client profile. Why Work With Caitlin Morgan Insurance Services? As a Managing General Underwriter and Excess & Surplus Lines Broker, Caitlin Morgan offers focused expertise in alternative risk solutions. We provide hands-on support through the full lifecycle—feasibility assessment, program design, regulatory submission, TPA selection and ongoing program oversight. Our market relationships and technical experience help you place complex large-account workers’ compensation programs with confidence. Contact: Gerry Dumke P: (800)723-7475, Ext. 280 [email protected] Frequently Asked Questions What types of accounts are a good fit for this self-insurance program?Large employers in industries such as manufacturing, healthcare, education and certain service sectors with strong financials and active loss-control programs are the best fit. Does Caitlin Morgan assist with claims administration for self-insured clients?Yes. We help you select and manage third-party administrators (TPAs) to ensure efficient, compliant claims handling tailored to the client’s program. What are the main advantages of self-insuring workers’ compensation?Self-insurance provides greater control over claims, improved cash flow management, stronger alignment with safety programs and potential long-term cost savings for well-managed employers. Is this program available nationwide?Yes. Caitlin Morgan supports individual self-insurance placements in all 50 states and the District of Columbia, with admitted or non-admitted options as appropriate. What financial requirements must a company meet to qualify?Applicants must demonstrate financial stability and the ability to fund claims and reserves consistent with state regulations. We perform a detailed financial and feasibility analysis for each submission. Need help placing an account? Connect with a market specialist.

... Consultants – All Types Actuaries Advertising and Marketing Servi...

Mercator Risk Services, offered through Preferred Concepts LLC, provides Professional Liability coverage tailored for accounting professionals. The program is built to serve a broad range of accounting operations — from solo practitioners and seasonal tax preparers to small and mid-sized firms that perform audits, reviews, tax work, bookkeeping, or consulting. Whether your client handles tax-only engagements or provides full audit and advisory services, Mercator pairs competitive terms with flexible underwriting. Ideal Accounts and Appetite This program is a strong fit for: Small start-up accounting firms Practices focused on tax preparation, including seasonal operations Firms that serve specific professions or industries General accounting firms with incidental electronic data processing (EDP) work CPAs leaving larger firms to start independent practices Firms offering general accounting services with some related management consulting Mercator also reviews hard-to-place risks, including accounts with prior claims or financial impairments. If an account has been declined elsewhere, this program may still be an option. Coverage Highlights and Advantages Professional Liability (Errors & Omissions) coverage for accounting professionals Standard limits typically start at $1 million Coverage issued on a claims-made basis Minimum premiums and deductibles generally start around $1,000—often lower for tax-only operations Flexible underwriting to accommodate varied service models and specialties Accountants face heightened exposure from regulatory scrutiny, audit work, and complex tax matters. This program helps protect firms from the expense of professional liability claims arising from alleged errors, omissions, or negligent advice — including missed fraud, tax preparation mistakes, and disputed consulting outcomes. Underwriting Notes and Minimum Premiums Mercator Risk Services offers adaptable underwriting to fit a wide range of firm sizes and risk profiles. They can accept your client’s existing application (excluding renewals) or provide a streamlined, program-specific application. Minimum premiums and deductibles typically begin at $1,000, with potential reductions for low-risk, tax-only practices. Territories and Availability This Accountants Professional Liability program is offered on a non-admitted basis and is available in all 50 states plus Washington, D.C. Agents and brokers nationwide can access coverage through Preferred Concepts LLC and Mercator Risk Services. Why Work With Preferred Concepts LLC Preferred Concepts LLC provides access to Mercator Risk Services, a wholesale broker with deep experience in professional liability for accountants. They leverage relationships with multiple carriers to place both standard and hard-to-place accounts. Their underwriting approach is practical and responsive, helping you secure tailored coverage for clients who have atypical exposures or limited placement options. Examples of good-fit accounts you might submit: a CPA who recently left a regional firm to start a solo practice that prepares individual and business tax returns; or a small firm that provides bookkeeping, payroll, and occasional advisory services and needs $1M/$1M professional liability limits. For both, Mercator’s flexible underwriting and program forms can simplify placement. To discuss a submission or start an application, contact Mercator Risk Services at (860) 527-9717 or email [email protected]. You can also visit their website at www.mercatorpro.com for more information on products, applications, and other specialty lines. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized accounting firms, solo CPAs, and tax preparers. It also works well for firms that perform general accounting, incidental EDP work, or provide limited management consulting. Can this program cover firms with prior claims?Yes. Mercator Risk Services will consider hard-to-place and distressed accounts, including those with past claims or documented financial issues, depending on the loss history and current controls. Is the coverage admitted or non-admitted?The program is available on a non-admitted basis across all states and Washington, D.C. Are there minimum premiums or deductibles?Minimum premiums and deductibles generally start around $1,000. Lower pricing may be available for low-risk, tax-only operations. What is the application process like?You may submit your client’s existing application (renewals excluded), or request a program-specific application from Mercator to accelerate underwriting and placement. Need help placing an account? Connect with a market specialist.

...nnect you with experienced TPAs, actuaries, utilization review vendors, and pr...?Yes. We can connect you with TPAs, actuaries, provider networks, and utilizat...

Long Term Disability Within our software packages, both short-term and long-term disability income insurance products are supported for individual contracts, group products, or voluntary employee benefits. We offer comprehensive administration and claims features, giving you flexibility and control in the management of your disability insurance programs. Administration Capabilities Our consolidated administration system provides you with total support for enrollment, policy or certificate issue, billing, premium collection, agent commissions, and detailed reporting. Our Short- and Long-Term Disability Administration module can be utilized in conjunction with the administration of other coverage types such as life, health, or long term care products, or as a stand-alone package. Advantages offered by Apex Data Systems' Short- and Long-Term Disability Income functionality include: Parameter-driven setup routines that enable you to quickly and easily create plans, which can be based on salary, class, or a fixed benefit. Flat and multi-tier online rating established from user-defined tables using elements such as unit, age, gender, and class, plus composite unit, average, and manual alternatives. A dynamic enrollment structure that allows for base and rider coverages with separate inception and termination dates, premium amounts, and payment transaction records. Flexible billing features including individual direct bill, individual list bill (for payroll deduction), and group bill capabilities including list, self, and summary bill types. Processing allows for covered spouses, and even other family members, to be billed together or separately. Policyholders can be linked and unlinked quickly and easily. Electronic Funds Transfer features with fully automated Pre-Authorized Checking and Credit Card processing. A Personal Benefits Selection file that captures unique daily and monthly benefit amounts, elimination periods, benefit periods, and other policy provisions, with the flexibility for selections by the insured and inquiry by claims processors at any time. Rating load and discount factors that are available for substandard and preferred business. Premium waiver features allowing for premiums to be temporarily or permanently suspended Claims Capabilities Integrating our claims software allows for a seamless tie between claims eligibility and adjudication. All features of Apex Data Systems' claims management system are available when processing STD or LTD benefits. Global features such as online eligibility verification, pending and correspondence modules, online adjudication by user-defined plan tables, issuance of multiple payments to the insured or multiple payees, detailed claims history, actuarial and lag studies, premium/claims analyses, and other reports are all part of our complete package. Features highlighted for STD or LTD processing include: Ability to receive claims and track production statistics while investigative efforts are underway. A correspondence module that gives you the flexibility to establish user-defined letters and follow-ups plus the interval between mailings and automatic tracking of the status of any requests. Capture of date of disability with maintenance of per-submittal and episodic claims data. Capture of disability cause, ICD diagnostic, claim type, claim status, claim termination, and other pertinent, user-definable codes to help you classify claims activity in a meaningful way, and report on experience. Capture of the attending physician, including full name and address for correspondence purposes, and detailed nurse-review notes with plan of care, if applicable. Free-form claim comments for diary or other purposes. User-defined claims plan setup including processing by contracted fixed daily benefit amount, a user defined benefit amount, a calculation of benefit as a percentage of salary, or a fixed benefit from the eligibility record, based on salary or user definition. Application of elimination and benefit periods. Provision for tax information and deductions such as FICA, FIT, Medicare, plus worker's compensation or social security integration, and earned income. Assignment of full or partial benefit payments for insurance premiums, child support, or to other designated payees. Year-end reports for generation of IRS forms. To simplify processing, automated repetitive payments by week or by month with notification of issuance, and check register with the flexibility to schedule multiple payments into the future before requiring additional review.

Trustee Liability Insurance Program from Preferred Concepts LLC Mercator Risk Services, a division of Preferred Concepts LLC, places specialized trustee liability insurance for a wide range of trusts, trustees, and family offices. This niche coverage protects individuals and entities that manage trusts—especially those holding complex or illiquid assets such as real estate or family-owned businesses. This hard-to-find protection is a useful tool for retail agents and wholesale brokers working with high-net-worth clients, estate attorneys, family offices, or financial advisors. Whether the trustee is an individual, a corporate fiduciary, or part of a family office, Mercator structures tailored solutions to address trust-specific legal and financial exposures. Ideal Accounts and Appetite This program is a good fit for: Individual trustees managing family trusts or estates Corporate trustees or co-trustees Family offices overseeing multi-generational wealth Trusts with complex asset mixes, including illiquid assets and real estate Accounts involving estate planning professionals or fiduciaries Mercator understands the long-term and often unique exposures created by family trusts—varying beneficiary needs, legacy businesses, and illiquid holdings—that standard liability policies may not adequately address. Coverage Highlights and Advantages Available coverages and options include: Defense costs and indemnity for claims arising from trustee duties Protection for alleged mismanagement or breach of fiduciary duty Bundled solutions for family office liability, D&O for operating companies, fiduciary liability, EPLI, and investment-advisor professional liability Solutions designed for hard-to-place and financially distressed accounts Coverage can be customized to reflect the trust’s asset mix, governance structure, and the trustee’s specific exposures. Underwriting Notes Mercator is flexible on submissions. They accept most standard applications (excluding renewals) or can provide a specialized trustee application when needed. Accounts with prior claims, financial impairment, or other complicating factors are considered—submissions will be evaluated on a case-by-case basis. Territories and Availability The program is available nationwide, including all 50 states and Washington, D.C. Coverage is placed on a non-admitted basis through various carriers to provide flexibility for unique trust structures and jurisdictional requirements. Why Work With Preferred Concepts LLC Mercator Risk Services brings deep expertise in professional and specialty liability lines, with a focus on hard-to-place and nuanced trustee risks. Agents benefit from experienced underwriting, access to markets that understand fiduciary exposures, and practical placement support. Example scenarios you might place through this program You have a client who serves as an individual trustee for a family trust that owns rental real estate and a minority stake in a closely held business—Mercator can tailor limits and coverage to address fiduciary exposure tied to those assets. An estate planning attorney refers a family office with multi-generational holdings and prior governance disputes—Mercator will consider customized protection including fiduciary liability and D&O components. For more information, call (860) 527-9717 or e-mail [email protected]. You can also visit their website at www.mercatorpro.com for applications and additional details. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this trustee liability program?This program is ideal for individual or corporate trustees, family offices, and trusts with complex asset structures such as real estate or business holdings. Can Mercator handle accounts with prior claims or financial issues?Yes. Mercator specializes in hard-to-place and distressed accounts, including those with prior claims history or financial impairments; each submission is reviewed individually. What additional coverages can be bundled with trustee liability insurance?Mercator can combine trustee liability with Directors & Officers (D&O), fiduciary liability, employment practices liability (EPLI), and investment-advisor professional liability when appropriate. Is this program available in all states?Yes. The program is available in all 50 states and Washington, D.C., and is placed on a non-admitted basis through various carriers. What is required to submit an application?Mercator accepts most standard applications (excluding renewals) or can supply a specialized application tailored to trustee risks. Include trust documents and any claims history to help expedite review.

```html Safehold Special Risk offers a comprehensive Sports and Entertainment Insurance Program tailored specifically for the unique risks faced by sports venues, entertainment facilities, and event organizers. With over 30 years of industry expertise, Safehold is a trusted partner for agents and brokers looking to place complex and high-exposure accounts across all 50 states. Overview of the Program From Safehold Special Risk Safehold Sports and Entertainment delivers customized risk management solutions supported by deep industry knowledge and national reach. As one of the largest insurers of sports and entertainment venues in the U.S., Safehold works with a wide array of clients—from professional sports leagues and large convention centers to amphitheaters, racetracks, and special event organizers. The program is available on both admitted and non-admitted paper, depending on the risk and jurisdiction. With in-house underwriting and actuarial support, Safehold designs cost-effective insurance solutions that address the specific exposures faced by each facility or event. Dedicated claims adjusters and proactive loss control specialists help reduce risk and improve outcomes for insureds. Ideal Accounts and Appetite This program is an excellent fit for agents and brokers placing business for clients in the following categories: Sports facilities and fields Fitness clubs and athletic centers Large sporting venues (professional and collegiate) Convention centers and auditoriums Amphitheaters and performing arts theaters Ice rinks, aquatic centers, and racquet clubs Horse and dog racing tracks Leagues, associations, and tournaments One-time and recurring special events If you have a client planning a large outdoor concert, operating a regional ice rink, or managing a collegiate sports complex, this program can help safeguard them against the complex liability and property exposures they face. Coverage Highlights and Advantages Safehold's Sports and Entertainment Program offers a wide range of coverages to protect against both common and unique risks, including: General liability, including athletic participant and spectator liability Liquor liability for venues serving alcohol Property coverage including crime and business income Equipment breakdown Workers’ compensation Excess liability Participant accident liability Special event liability and event cancellation Risk management support is built into the program, with proactive safety and security consultations provided by experienced specialists. Claims are handled by adjusters who understand the nuances of sports and entertainment exposures. Underwriting Notes and Minimum Premiums Safehold’s in-house underwriting team evaluates each submission based on the specific type of venue or event, attendance, activities, and risk profile. While no minimum premium is publicly listed, the program is designed for accounts with meaningful exposures and a need for tailored coverage solutions. Submissions should include thorough risk details to facilitate efficient quoting. Territories and Availability This program is available in all 50 states, including the District of Columbia. Whether your client is located in California, Texas, New York, or anywhere else in the U.S., Safehold can help you place their sports or entertainment risk. Why Work With Safehold Special Risk? As a seasoned program administrator with a national presence, Safehold Special Risk brings unmatched expertise to the sports and entertainment niche. Their in-house underwriting, industry-focused claims handling, and proactive risk services make them a valuable partner for agents and brokers looking to place challenging accounts. With decades of experience and a strong track record, Safehold helps you deliver the right coverage for your clients—on time and on target. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for sports facilities, entertainment venues, fitness clubs, event organizers, racetracks, and leagues or associations seeking specialized liability and property protection. Is this program available nationwide?Yes, Safehold’s Sports and Entertainment Insurance Program is available in all 50 states and the District of Columbia. Does the program offer coverage for special events?Yes, special event liability and cancellation coverage are available for both one-time and recurring events. Are liquor liability and athletic participant liability included?Yes, both liquor liability and athletic participant liability are among the many coverages offered under this program. What information is needed to submit a risk?Submissions should include details about the venue or event, expected attendance, activities, prior losses, and any risk management procedures in place. Need help placing an account? Connect with a market specialist. ```

Preferred Concepts LLC, in partnership with Mercator Risk Services, offers a focused Architects & Engineers (A&E) Professional Liability program for a broad range of design and technical professionals. The program gives agents and brokers access to markets that handle both standard placements and hard-to-place A&E accounts. Whether your client is a sole practitioner or a larger firm with complex exposures, Mercator provides underwriting expertise and market relationships to help you place the business efficiently. Ideal Accounts and Appetite The program targets virtually all A&E classes, including: Residential and commercial architects Civil, structural, mechanical, electrical and HVAC engineers Construction managers and design/build firms Forensic engineers and telecommunications engineers Interior designers, landscape architects and urban planners Land surveyors Mercator is experienced with distressed and hard-to-place submissions. Clients with prior claims, unusual operations, or atypical risk profiles are routinely reviewed; many can be placed with appropriate underwriting and policy structure. Coverage Highlights and Advantages Mercator places A&E professional liability through several specialty carriers and can tailor solutions for specific operations and project exposures. Key program features include: Flexible form options: claims-made or occurrence Optional extensions for pollution, cyber, and technology-related liabilities Prior acts coverage available subject to underwriting Non-admitted placements that provide broader underwriting flexibility for complex or niche risks The program accommodates a wide variety of project types, from local residential work to large infrastructure projects. Underwriting Notes and Minimum Premiums Underwriting is pragmatic and submission-driven. Mercator will usually accept an existing application to begin review (renewal applications are excluded), or they can supply the appropriate form. Pricing is competitive and depends on class, revenue, project exposure, and loss history. If a submission is challenging, Mercator’s team will discuss structure options that improve placement prospects. Territories and Availability This Architects & Engineers program is available nationwide — all 50 states and the District of Columbia — enabling you to place business across your territory with consistent access to Mercator’s carrier panel. Why Work With Preferred Concepts and Mercator Risk Services? Preferred Concepts acts as a wholesale broker, pairing agents with Mercator’s specialty underwriting and market access. Mercator brings decades of experience placing professional liability for design professionals and focuses on service for accounts that fall outside standard underwriting boxes. From quick quote turnarounds to tailored submission strategies for difficult risks, Mercator supports agents throughout the placement process. For more information, call (860) 527-9717 or email [email protected]. You can also explore applications and product details at www.mercatorpro.com. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Architects & Engineers program?This program fits a wide range of A&E professionals—architects, civil and structural engineers, construction managers, design/build firms, and related design disciplines. Both standard and distressed risks are considered. Can I submit an existing application to get started?Yes. Mercator typically accepts standard applications (renewal applications are excluded). If you don’t have one, they will provide the appropriate form. Is this program admitted or non-admitted?This program is non-admitted, which allows broader underwriting flexibility and access to specialty markets for complex or hard-to-place risks. Which states is this program available in?The program is available nationwide, including all 50 states and the District of Columbia. What if my client has prior claims or is considered high-risk?Mercator has experience placing hard-to-place and distressed A&E accounts. Provide full loss details and firm operations up front so they can evaluate placement options and structure to address the exposure. Need help placing an account? Connect with a market specialist.