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Overview — Actuaries Errors & Omissions (E&O) Program Pr...dent actuarial consultants, pension actuaries, actuaries working for brokerages on rate d...

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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.

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Consultants Professional Liability Program from Preferred Concepts LLC Preferred Concepts LLC, through its partnership with Mercator Risk Services, offers a specialized Professional Liability program tailored for consultants and consulting firms. Whether your client is a solo consultant or a larger firm with a niche specialty, this program is designed to provide flexible, comprehensive coverage—even for harder-to-place accounts. Ideal Accounts and Target Consulting Classes This program accommodates a broad range of consulting disciplines, including both traditional and non-traditional areas. Common types of consultants eligible for coverage include: Management Consultants Marketing Consultants Computer/Systems Consultants Environmental Consultants Safety Consultants Medical Consultants Engineering Consultants Mercator Risk Services has also successfully placed coverage for more unusual or niche consulting operations, including: Wine Consultants Avalanche Control Consultants Sports Marketing Consultants Nuclear Power Plant Consultants Zoo Consultants Playground Consultants If your client provides specialized advice or services in a unique industry, this program could be a great fit—even if they’ve been declined elsewhere. Coverage Highlights and Advantages This Professional Liability program is built to address the specific risks consultants face, such as claims arising from alleged errors, omissions, or negligence in their professional services. Key features include: Flexible limits and deductible options Access to multiple carriers for competitive placement Coverage available for both individual consultants and multi-person firms Solutions for new ventures and established businesses Coverage is offered on a non-admitted basis, allowing for customized solutions that might not be available in the admitted market. Underwriting Approach and Submission Tips Mercator Risk Services is known for its ability to underwrite challenging or distressed accounts. If you have a consultant client with prior claims, unusual exposures, or a unique business model, this program can still be a viable option. Submissions should include a completed application and full details of services offered, claims history, and risk controls in place. Territories and Availability This program is available in all 50 states and the District of Columbia, including 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, WV, WI, and WY. Why Work with Preferred Concepts LLC Preferred Concepts LLC, through Mercator Risk Services, brings deep expertise in professional liability for consultants. They’ve built a reputation for delivering responsive service and creative underwriting solutions. With access to a variety of carriers, they can tailor coverage to fit both standard and unusual consulting risks. Whether you're working with a traditional management consultant or a one-of-a-kind specialty adviser, this program can help you deliver the right protection for your client. For more information, please call (860) 527-9717 or send an email to [email protected]. Additional resources, including applications and product information, are available at www.mercatorpro.com. Frequently Asked Questions What types of consultant accounts are eligible for this program?The program covers a wide range of consulting fields, including management, marketing, IT, environmental, and even niche specialties like wine or zoo consultants. Can I submit accounts that have prior claims or are hard to place?Yes, Mercator Risk Services specializes in hard-to-place and distressed risks. They welcome submissions for accounts that may not qualify elsewhere. What states is this program available in?The program is available in all 50 states and the District of Columbia. Is this coverage admitted or non-admitted?This is a non-admitted program, allowing for greater flexibility in crafting coverage for unique or complex risks. What information is needed to get a quote?Submit a completed application along with service descriptions, loss history, and any relevant risk management details to begin the quoting process. Need help placing an account? Connect with a market specialist.

Hard-to-Place Professional Liability Solutions from Preferred Concepts LLC Through Mercator Risk Services, Preferred Concepts LLC offers specialized access to professional liability markets that can handle tough, distressed, or non-standard risks. Whether your client has been declined by standard carriers due to claims history, unusual operations, or financial setbacks, Mercator applies deep industry knowledge, creativity, and access to multiple specialty markets to find solutions. Ideal Accounts and Target Risks This program is built for accounts that standard professional liability markets typically reject. These may include: Firms with prior claims activity or recent losses Businesses with unique or emerging operations Companies undergoing bankruptcy or restructuring Startups or specialty firms in high-exposure sectors Accounts with non-renewals or coverage lapses Example target classes include: Errors & Omissions (E&O): Medical professionals (including telehealth), attorneys, financial advisors, consultants, engineers, and more Directors & Officers (D&O): Public and private companies, distressed organizations, and large non-profits Employment Practices Liability (EPL): Companies with prior EEOC claims, high turnover, or challenging personnel exposures Coverage Highlights Mercator Risk Services is skilled at structuring custom solutions that provide meaningful protection for hard-to-place risks. Coverage options may include: Standalone or blended policies for E&O, D&O, and EPL Flexible underwriting for distressed or claim-heavy accounts Access to a wide range of non-admitted markets Customized policy forms and terms to match unique exposures Example scenarios include: A boutique law firm with multiple E&O claims seeking coverage after standard markets declined A technology-driven utility startup needing specialized E&O coverage tailored to internet-based services A nonprofit organization with a complex board structure requiring custom D&O terms A retail business with prior EPL claims looking for renewed protection Submission and Underwriting Notes To secure the best possible terms, a complete and detailed submission is essential. Please include: A clear description of the insured’s operations and exposures Five years of loss history Completed and signed applications (specific to the desired coverage) Mercator Risk Services works with multiple carriers to design competitive solutions on a non-admitted basis. Available States This program is available in all 50 states and the District of Columbia: 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 Work with Preferred Concepts and Mercator Risk Services? Preferred Concepts LLC, via Mercator Risk Services, brings deep underwriting expertise and access to a broad spectrum of specialty markets. Their team is responsive, creative, and geared toward solving complex challenges efficiently—saving you time while helping you place difficult risks. Need help placing a tough E&O, D&O, or EPL account? Contact the team at (860) 527-9717 or email [email protected]. You can also learn more and access applications at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for distressed or hard-to-place professional liability risks, including firms with claims history, non-standard operations, or unique exposures in E&O, D&O, and EPL lines. Can I get coverage for a client that has been non-renewed due to recent claims?Yes. Mercator Risk Services specializes in helping agents place accounts that have been declined or non-renewed by standard carriers due to loss history or other underwriting concerns. What documentation is required for submission?A complete submission should include a detailed description of operations, five years of loss history, and a completed application specific to the coverage being requested. Is this program available in my state?Yes. The program is available in all 50 states and the District of Columbia. Who do I contact to get a quote or more information?You can call (860) 527-9717 or email [email protected] to discuss your submission and obtain application materials. Need help placing an account? Connect with a market specialist.

Preferred Concepts LLC, working with Mercator Risk Services, offers the Hacker Insurance program to help agents and brokers place cyber-related risks for small- and mid-sized businesses. The program is designed for companies that are vulnerable to unauthorized access of their electronic communications and signaling systems. Whether your client is a professional services firm, a small tech company, a medical office, or a retailer with e-commerce, this program provides a focused, flexible solution when standard markets are not a good fit. Ideal Accounts and Appetite This program targets small- to medium-sized organizations that depend on electronic communications or telecom systems for daily operations, including: Professional service firms (law, accounting, consulting) Medical and dental offices using digital records Retailers with e-commerce operations Firms that rely on satellite relays, telephone switches, or facsimile systems Accounts that are hard-to-place due to prior cyber claims or financial impairment If your client has a history of a cyber incident, uses complex telecom infrastructures, or has been declined by standard carriers, this program is structured to provide tailored protection where many markets will not. Coverage Highlights and Advantages Claims-made coverage — Designed to respond to unauthorized access incidents reported during the policy period. Two-part coverage design: Coverage A – Liability arising from unauthorized access to the insured’s systems or communications. Coverage B – Physical or operational damage to the insured’s electronic communication systems caused by unauthorized access. Broad system scope — Coverage can apply to computer systems, satellite relays, telephone switches, and fax systems used in regular operations. Flexible submission process — Mercator Risk Services can usually work from your standard application (except some renewals) or provide a program-specific form when needed. Accepts distressed accounts — Well suited for accounts with prior cyber-related losses or financial issues that may struggle to place coverage in the admitted markets. Underwriting Notes and Minimum Premiums Underwriting is handled by Mercator Risk Services and is focused on fit and prior loss history. To get a timely quote, be prepared to submit a completed application plus any relevant background or loss information. The program is known for underwriting flexibility on unusual or difficult risks; specific minimum premiums are set case-by-case and will be provided on submission. Territories and Availability This Hacker Insurance program is available to licensed agents and brokers across all 50 states and Washington, DC. Preferred Concepts LLC provides access to this market through its wholesale broker relationship, enabling you to place business nationwide. Why Work With Preferred Concepts LLC? Preferred Concepts LLC, via Mercator Risk Services, brings focused expertise in professional and cyber liability placement. As a wholesale broker, they can access multiple carriers and design flexible solutions for accounts that standard markets decline. Their experience handling distressed, unusual, and hard-to-place risks makes them a useful resource when you need specialty cyber protection that goes beyond typical policy forms. To submit a risk or get program details, call (860) 527-9717 or email [email protected]. Applications and product information are also available at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this Hacker Insurance program?Small- to medium-sized businesses that rely on electronic communications—professional services, tech firms, medical practices, and retailers with e-commerce. The program also considers accounts with prior cyber claims or financial challenges. What does Coverage A and B include?Coverage A responds to the insured’s liability from unauthorized access incidents. Coverage B pays for physical or operational damage to the insured’s electronic communication systems caused by unauthorized access. Can I use my own application to submit a risk?Yes. Mercator Risk Services can often accept your existing application (except for certain renewals). If needed, they can provide a program-specific application to capture cyber and telecom details. Is this program available in all states?Yes. The Hacker Insurance program is available to licensed agents and brokers in all 50 states and Washington, DC. Does this program accept hard-to-place or distressed risks?Yes. Mercator Risk Services routinely handles difficult accounts, including those with prior cyber-related losses or financial impairments that make placement in standard markets challenging. Need help placing an account? Connect with a market specialist.

Overview — Insurance Agents & Brokers E&O Preferred Concepts LLC offers access to a dedicated Insurance Agents and Brokers Errors & Omissions (E&O) program through Mercator Risk Services. This wholesale placement option is designed for independent agents and brokers who need professional liability protection for mistakes, omissions, and disputed professional services. Mercator places coverage with various admitted and non-admitted markets, providing flexibility for routine and more complex accounts. Target Classes and Ideal Accounts Retail agents and brokerage firms Wholesale and surplus lines brokers Specialty operations and niche producers Underwriting managers and managing general agencies (MGAs/UGAs) Life and group health agents/brokers Reinsurance brokers Mercator also has appetite for hard-to-place, distressed, or unusual accounts. If you have a client with prior losses, unique distribution channels, or unusual exposures, Mercator’s underwriting team can evaluate those situations and provide options. Coverage Highlights and Advantages Professional liability (E&O) coverage tailored to insurance producers and broker errors/omissions. Limits available up to $5,000,000 on a primary basis, with additional limits offered on an excess basis. Access to multiple markets through a wholesale broker relationship—helpful when admitted markets are limited or a specialty appetite is required. Flexibility to consider non-standard and higher-exposure risks that may be declined elsewhere. Underwriting Notes and Minimum Premiums Underwriting is handled by Mercator Risk Services and is evaluated on a case-by-case basis. Minimum premium levels and deductible amounts depend on the size and type of the firm, its loss history, product lines, and overall exposure. Typical submission materials that speed placement include: Completed E&O application Recent loss runs and claims history Summary of operations, revenue, and staff/producer counts Details on any prior disciplinary actions or regulatory issues Territories and Availability This program is available across a broad set of U.S. jurisdictions: 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 Work With Preferred Concepts LLC on This Program Wholesale distribution: Preferred Concepts connects you to Mercator’s program markets and underwriting expertise. Specialty handling: Mercator’s team is experienced placing unusual, higher-exposure, or hard-to-place producer E&O risks. Limits and structure: Capacity to place larger limits on a primary basis and to arrange excess layers when needed. Example Scenarios You have a regional retail agency looking for a $1M/$2M professional liability program after a client dispute — this program can provide tailored primary limits and access to excess capacity. A wholesale broker with complex surplus lines placements has a prior loss on file and needs an E&O solution; Mercator will consider the account and work to place it rather than decline up front. For placement assistance or to discuss a submission, contact Mercator Risk Services by phone at (860) 527-9717 or by e-mail at [email protected]. Additional program materials and applications are available on Mercator’s website: www.mercatorpro.com. Frequently Asked Questions What types of producer accounts are a good fit for this E&O program?The program fits retail and wholesale agents, specialty producers, MGAs/UGAs, life/group health brokers, and reinsurance brokers — including accounts that other markets may consider hard to place. What limits and policy structure are available?Primary limits are available up to $5,000,000, with additional excess capacity available. The final structure depends on underwriting review and carrier appetite for the specific account. How is pricing and minimum premium determined?Minimum premiums and deductibles are determined by firm size, type of business, exposure profile, and loss history. Mercator evaluates each submission to provide a tailored quote. What information should I include with a submission?Include a completed E&O application, recent loss runs, a description of operations/revenues, and any relevant regulatory or disciplinary history to help expedite underwriting. Can this program handle accounts with prior losses or unusual exposures?Yes. Mercator explicitly handles hard-to-place, distressed, and unusual accounts and will review submissions that many standard markets decline. Need help placing an account? Connect with a market specialist.

Mortgage Brokers / Bankers Preferred Concepts LLC places professional liability and Errors & Omissions (E&O) coverage for mortgage brokers and mortgage bankers through Mercator Risk Services. The program is designed for producers who need professional liability solutions for real-estate-related lending professionals — including accounts that are routine as well as those that are hard to place or have previous loss activity. Overview of the Program Mercator Risk Services provides underwriting and placement for a broad range of mortgage broker and mortgage banker exposures. The program addresses the practical errors and omissions risks that arise from the loan transaction lifecycle — from application and appraisal to closing and servicing. Preferred Concepts LLC can help you evaluate submissions and route accounts to Mercator for consideration. Common Claims & Exposures Errors by the mortgage broker or banker in loan origination or documentation Errors in closing or settlement services Mortgage servicing mistakes (payment posting, escrow handling, etc.) Failure to order, obtain, or properly document appraisals Failure to obtain or maintain required hazard insurance Ideal Accounts and Appetite This program fits: Independent mortgage brokers and broker-dealers arranging residential or small commercial loans Mortgage bankers that originate and service loans on behalf of lenders Accounts with complex placement needs — including distressed, financially impaired, or previously litigated accounts Typically acceptable: standard E&O risks as well as hard-to-place accounts with prior claims or financial impairment. Accounts that fall outside underwriting appetite will be identified during submission review. Coverage Highlights and Advantages Professional liability / Errors & Omissions coverage tailored to real-estate lending professionals Ability to consider accounts with prior claims or financial challenges Flexible underwriting — Mercator can often work from an application you already have or provide a tailored application for the account Access to multiple carrier relationships through Mercator’s wholesale platform Underwriting Notes Mercator can typically start with an existing application (except in the case of renewals) or supply a specialized application when needed. Disclose prior claims, regulatory actions, and financial impairment up front to accelerate placement. Hard-to-place accounts are handled case-by-case; clear, complete submissions with supporting documents improve chances for placement. Territories and Availability Available through Preferred Concepts LLC / Mercator Risk Services in the following jurisdictions: 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. Example Account Scenarios You have a small mortgage brokerage that sources residential loans for multiple lenders and needs E&O coverage after a borrower alleged appraisal-related errors — Mercator’s program may consider the account, including prior allegations. A mortgage banker with in-house servicing has a history of an escrow mishandling claim; you need a market that will review the facts and consider placement despite prior loss — this program handles such hard-to-place files. Why Place This Business With Preferred Concepts LLC Preferred Concepts LLC provides access to Mercator Risk Services’ specialty underwriting for mortgage brokers and bankers. That means you get a wholesale platform experienced with professional liability for lending professionals, flexibility to submit unusual or distressed accounts, and support through the underwriting process. Hard to Place: Mercator routinely handles hard-to-place, distressed, and unusual accounts — including those with prior claims or financial impairment. Tell us about your client’s needs and we’ll help determine the best submission approach and coverage options. 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. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that typically fit include independent mortgage brokers and mortgage bankers involved in origination, closing, or servicing. The program is also suited for hard-to-place accounts with prior claims or financial impairment, provided the submission includes full details. Can Mercator consider accounts with prior claims or regulatory actions?Yes. Mercator regularly reviews accounts with prior claims or regulatory issues. Provide complete loss histories, regulatory documentation, and remediation steps in your submission to give the underwriter the best context. What documentation should I include with a submission?Include a current application, loss runs, copies of any regulatory correspondence, sample engagement letters or contracts, and details on corporate structure and servicing practices. If you have a client application already prepared, Mercator can generally start from that form. Are there state restrictions or licensing requirements I should be aware of?Availability is broad across the listed states, but individual underwriting may consider state-specific licensing or regulatory histories. Submit the client’s licensing information and any relevant state actions to speed review. Need help placing an account? Connect with a market specialist.