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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.

The healthcare sector continues to grow rapidly, and with that growth comes increased demand for specialized workers’ compensation solutions. Healthcare professionals face a unique set of occupational risks—from repetitive motion injuries and needle sticks to illness exposure and patient-handling incidents. Don R. Jensen & Company offers a tailored Workers Compensation Insurance program designed specifically for healthcare industry accounts. As a wholesale broker with access to multiple carriers, we help agents and brokers place business with confidence and efficiency. Ideal Accounts and Appetite This program is designed for a wide range of healthcare-related operations. Whether you're working with a small home health agency or a large nursing facility, we can help you find the right coverage solution. Eligible classes include: Home Health Care Providers Nursing Homes Assisted Living Centers Hospitals and Clinics Dentists and Dental Offices Physical Therapy Practices Veterinary Clinics Chiropractors You might have a client operating a multi-location physical therapy group or a growing home health agency—our program is built to accommodate a wide range of size and complexity. Coverage Highlights and Advantages We understand the healthcare sector's exposures and work with carriers that specialize in this space. Our workers' compensation insurance provides coverage for employee injuries and illnesses arising from job-related duties, ensuring peace of mind for your insureds. Key advantages include: Access to multiple carriers for a competitive approach Broad class code eligibility within healthcare Responsive underwriting and submission turnaround Support with challenging or higher-mod accounts Underwriting Notes and Minimum Premiums Submissions must include the following: Completed Acord application Three years of currently valued loss runs Current experience mod worksheet Minimum premium for this program is $5,000. All submissions should be sent to [email protected]. Territories and Availability Our healthcare workers’ compensation program is available in most states across the U.S., including but not limited to CA, TX, FL, IL, NY, and PA. Whether your client is based in the Midwest, West Coast, or the South, we can help you find coverage options that fit. Why Work With Don R. Jensen & Company With decades of experience as a wholesale broker, Don R. Jensen & Company is a reliable partner for agents and brokers seeking dependable markets for healthcare-related workers’ comp risks. Our team is knowledgeable, responsive, and focused on delivering solutions that help you grow your business. We work with a variety of carriers to bring you flexible options tailored to your clients' needs. To learn more about our healthcare industry workers’ compensation program, visit www.drjco.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for a wide range of healthcare providers, including home health agencies, nursing homes, clinics, and therapy practices. What is the minimum premium requirement?The minimum premium for this workers' compensation program is $5,000. What submission documents are required?You’ll need to submit a completed Acord application, three years of currently valued loss runs, and an experience mod worksheet. Which states is this program available in?This program is available in most U.S. states, including CA, TX, FL, IL, and NY, among many others. Who should I contact to submit an application?All submissions should be sent to [email protected] for prompt review by our underwriting team. Need help placing an account? Connect with a market specialist.

Overview — Keating Social Services Workers' Compensation Insurance Keating offers a workers' compensation program specifically for social services organizations. This program is designed for agents who need admitted workers' comp capacity and underwriting expertise for charities, group homes, shelters, community services and related operations. Keating places social services of many sizes and risk profiles through several carrier markets, delivering targeted underwriting and service tailored to the sector. Eligible classes Eligible Classes: Group homes Charities Churches Clinics Community services Schools Shelters Workshops Ideal accounts and appetite Small-to-midsize nonprofit and for-profit social service providers, including group homes and day programs. Religious organizations and community clinics with employee exposures requiring admitted workers' comp. Residential and shelter operations with routine client contact and staff who provide personal care, supervision or light medical support. Accounts with controllable loss histories and standard safety controls; good-fit accounts generally have predictable payrolls and documented hiring/training practices. Coverage highlights and advantages Admitted workers' compensation placements with markets experienced in social service exposures. Multiple carrier options — Keating works with several insurers to match appetite and pricing to each account. Underwriting that understands the operations and exposures unique to group homes, shelters, clinics and community programs. Claims and loss-control focus: carriers in the program typically emphasize proactive loss mitigation and timely claims service. Underwriting notes and minimum premiums Keating underwriters evaluate payroll, staff-to-client ratios, staff training programs, background checks, facility safety, and prior loss experience when quoting. Smaller accounts and first-time buyers are routinely considered; larger or higher-exposure accounts may require additional documentation such as detailed loss runs, safety plans, and written procedures. Minimum premium: $2,000. Exact appetite and terms vary by carrier and state — submit complete information to receive accurate pricing and terms. Territories and availability This program has admitted capacity across the available territories listed below. Availability and specific carriers vary by state and by account characteristics. AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC Why place this business with Keating Specialized focus on social services workers' comp, so your submissions are reviewed by underwriters familiar with common exposures and controls for the sector. Access to multiple admitted carriers helps secure competitive terms for a range of account sizes. Responsive service for quote requests, endorsements and renewals — designed for brokers who need pragmatic solutions and timely decisions. Example account scenarios You have a 20-bed group home with long-tenured staff, formal training programs and a clean loss history — this program can provide admitted workers' comp capacity with loss-control support. A small community clinic with a mix of paid staff and volunteers needs an admitted workers' comp policy and flexible payroll reporting — Keating’s markets can often accommodate that structure. Contact Keating for submissions, carrier details and state-specific appetite. Provide payroll breakdowns, detailed loss runs and descriptions of staffing and safety programs for the fastest response. Frequently Asked Questions What types of social service accounts does Keating prefer?Keating prefers group homes, shelters, community service providers, clinics, churches and schools with documented safety and training programs. Accounts with controllable exposures and transparent loss histories are the best fit. Is coverage available on an admitted basis?Yes — Keating places admitted workers' compensation through several carrier markets. Availability and exact carrier selection depend on the state and specifics of the account. What information should I include with a submission?Include payroll by class, five years of loss runs (if available), a description of operations and safety/training procedures, and any licenses or certifications. More detail speeds underwriting and pricing. Are there minimum premiums or size limits?The program typically applies a minimum premium of $2,000. Large accounts or those with higher exposures may require additional underwriting requirements or alternative placement strategies. Need help placing an account? Connect with a market specialist.

Overview — Smith Bell & Thompson, Inc. Directors & Officers Liability Smith Bell & Thompson, Inc. offers a Directors & Officers Liability program designed for health care organizations — both non-profit and for-profit — and other allied classes where entity and management liability exposures are present. This program provides entity coverage for the named organization and side A/B/C protections for directors, officers and employees, with capacity placed through AIG. It is intended as a practical market for agents who need broad D&O protection with flexible underwriting for national program classes. Ideal accounts and appetite Health care providers and networks, including home care and community health organizations (both nonprofit and for-profit). Trade and membership associations, and other program-style organizations that require entity coverage and management protection. Organizations with defined governance structures and standard financial controls; preferred accounts have documented risk management and claims histories that are manageable. Special consideration and pricing available for National Association for Home Care (NAHC) members. Coverage highlights and advantages Entity coverage included — policy can cover the organization itself as well as individual directors, officers and employees. Broad definition of employment practices (EPLI) claims is available, helping address wrongful termination, discrimination and similar employment exposures. Access to AIG capacity gives broad industry recognition and claims handling experience for complex management liability matters. Program-oriented underwriting that understands multi-entity structures common in health care and association accounts. Underwriting notes and typical restrictions Underwriters look for clear governance, reasonable internal controls, and documented employment practices. Accounts with ongoing regulatory investigations, multiple recent management liability losses, or severe financial distress should be submitted with full explanation and may be declined or subject to restrictive terms. When you submit, include the organization’s bylaws, most recent financial statement, claims history (D&O/EPLI), and any employment policies. These items speed placement and improve the chance of competitive terms. Example scenarios — when to use this program You have a midsize home care agency that recently expanded into multiple states and wants entity-level D&O protection plus EPL coverage for its management team. NAHC membership can help secure preferred pricing. An association of health care providers seeks a single program policy to cover the trade association and its board members. The program’s entity coverage and AIG capacity provide a workable solution for that structure. Territories and availability Available for placement in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place D&O with Smith Bell & Thompson, Inc. Program focus on health care and association classes means underwriting and policy wordings tailored to your clients’ exposures. Broad EPLI language and entity coverage help reduce coverage gaps for multi-entity and management exposures. Placement with an experienced market (AIG) and a wholesaler that understands program business helps streamline submission-to-quote turnaround. Special NAHC member pricing is a differentiator when placing home care accounts. Frequently Asked Questions What types of health care accounts work best for this D&O program?Mid-sized to larger home care agencies, community health organizations, and trade associations are a good fit—especially those with documented governance, clean claims histories, and standard employment practices. NAHC members can access special pricing. Does the policy include entity coverage and EPLI?Yes. The program can provide named organization (entity) coverage and includes a broad definition of employment practices (EPLI) claims, protecting both the entity and individual directors, officers and employees. What submission materials speed up underwriting?Provide the organization’s bylaws, most recent financial statement, D&O/EPLI loss run, and employment policies. Complete background on any pending regulatory or litigation matters should also be included. Which carrier capacity is used for this program?Capacity for this Directors & Officers Liability program is provided through AIG. Which states is this program available in?The program is available in most U.S. states and DC, 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, DC, WV, WI and WY. Need help placing an account? Connect with a market specialist.

Smith Bell & Thompson, Inc. offers a specialized national Workers’ Compensation program for a variety of business classes through AIG. This program is designed to provide dependable coverage solutions for accounts that prioritize safety and loss control. Ideal candidates include firms with established loss control and safety programs, a minimum of three years in business, and a current experience mod of 1.25 or lower. These criteria help ensure the program remains focused on quality risks that are actively managing their exposures. The program is built around a standard guaranteed cost product, providing predictability and simplicity in premium structure—an attractive option for insureds looking to manage costs while maintaining comprehensive coverage. Overview of the Program From Smith Bell & Thompson, Inc. Smith Bell & Thompson, Inc. delivers a targeted Workers’ Compensation program backed by AIG, crafted for agents and brokers seeking reliable markets for clients with strong safety protocols. This non-admitted program is available in 48 states and D.C., offering national reach combined with underwriting precision. Ideal Accounts and Appetite This program is best suited for businesses that: Have a formal loss control or safety program in place Have operated for at least 3 years Maintain an experience mod of 1.25 or less Common classes of business can include light manufacturing, professional services, wholesale distribution, and other industries where active risk management is part of the culture. You might have a client in the packaging sector or a regional logistics firm with strong safety records—both could be ideal fits for this program. Coverage Highlights and Advantages Access to a standard guaranteed cost Workers’ Comp product Competitive underwriting for accounts with strong loss histories Supported by the financial strength and claims capabilities of AIG Customized underwriting attention from the team at Smith Bell & Thompson, Inc. Underwriting Notes To qualify for this program, insureds must meet the following underwriting guidelines: Minimum of 3 years in business Experience modifier of 1.25 or lower Demonstrated commitment to workplace safety and loss prevention Accounts that do not meet these criteria may be declined or referred for alternative options outside this program. Territories and Availability This Workers' Compensation program is available in the following states: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Work With Smith Bell & Thompson, Inc. Smith Bell & Thompson, Inc. brings decades of program administration expertise and a strong carrier relationship with AIG. Their focused Workers’ Compensation offering gives agents access to a stable market with consistent underwriting practices and national reach. Whether you're placing a growing manufacturing client or helping a construction-adjacent firm with a clean loss history, this program offers a dependable solution for your insureds. Frequently Asked Questions What types of accounts are a good fit for this Workers' Compensation program?Accounts with a strong safety record, formal loss control programs, at least 3 years in business, and an experience mod of 1.25 or lower are ideal. Is this program available on an admitted basis?No, this is a non-admitted program backed by AIG. What states is the program available in?The program is available in 48 states and the District of Columbia. It is not currently available in CA or WA. Does the program offer guaranteed cost pricing?Yes, the program provides a standard guaranteed cost Workers' Compensation product, offering predictable premium structures. Who underwrites the policies for this program?Policies are underwritten through AIG, a leading national carrier, with program management provided by Smith Bell & Thompson, Inc. Need help placing an account? Connect with a market specialist.