Search CompleteMarkets

...em scope — Coverage can apply to computer systems, satellite relays, telephone...

How often do you hear about a hacker breaching a system or a virus crippling a company's operations? For technology professionals and businesses that handle sensitive data, these risks are part of daily life. As an insurance agent or broker, you need reliable markets that understand cyber exposures and can place complex risks quickly. The Cyber Liability Insurance program from Professional Liability Insurance Services, Inc.® (PLIS, Inc.) is designed for that purpose — to help you protect clients against evolving digital threats with flexible, Lloyd’s-backed capacity and responsive underwriting. Cyber Liability Insurance Program Overview PLIS, Inc. offers a comprehensive Cyber Liability Insurance program underwritten by Certain Underwriters at Lloyd’s on a non-admitted basis. The program delivers broad cyber and privacy protection tailored for technology firms and any business that stores, processes, or transmits sensitive client or employee data. Coverage options are flexible across limits, retentions, and extensions — backed by experienced program underwriting and risk management support. Ideal Accounts and Target Industries This program is a strong fit for: Technology consultants and IT service providers Software developers, web designers, and SaaS vendors Data hosting companies, managed service providers (MSPs), and cloud operators Any business that collects, stores, or transmits personally identifiable information (PII) or protected health information (PHI) Example placements: you might have a mid-sized MSP that provides remote monitoring and stores client PII, or a boutique software firm that processes healthcare data — both are well suited to this program. Coverage Highlights and Advantages Limits available from $100K/$100K up to $5M/$5M Deductibles as low as $500 for qualified risks (subject to underwriting) 12-month extended reporting period option Full Prior Acts available with no prior knowledge or notice Unlimited telephone consultation with licensed risk managers and HR professionals Wrongful Acts coverage typically includes protection for: Hacker intrusions and data breaches Malware and virus transmission Theft, loss, or unauthorized disclosure of electronic data Denial-of-service attacks Defamation, libel, slander, and reputational harm Intellectual property exposures such as plagiarism and misappropriation of ideas Underwriting, Submission, and Premium Notes Fast turnaround on submissions — live underwriter support helps avoid voicemail delays Premium financing options are available Minimum premiums vary by risk characteristics and requested limits; all accounts are subject to underwriting review and policy terms Appetite and typical restrictions: competitive for firms with strong security practices and documented controls. Higher-risk accounts (e.g., heavy ransomware history, unpatched legacy systems, or large exposures with inadequate controls) may require additional underwriting or be declined. Availability and Territory This program is offered on a non-admitted basis and is available in 48 states plus Washington, DC, including key markets such as CA, TX, FL, NY, and IL. Confirm specific state eligibility with the underwriter for any placement. Why Partner With PLIS, Inc.? PLIS, Inc. brings decades of professional liability and cyber underwriting experience plus direct market access to Lloyd’s capacity. Agents benefit from responsive decision-makers, flexible terms (including full prior acts), and practical risk-management support to help insureds mitigate exposures before and after a loss. The program is structured to make placing cyber business straightforward for independent agents and brokers. All coverage features are subject to individual underwriting and may vary by account. This is not a guarantee of coverage or quote. Please refer to the policy for complete terms and conditions. © Copyright all rights reserved PLIS, Inc. 2012 Frequently Asked Questions What types of accounts are a good fit for this Cyber Liability program?This program is best suited for technology consultants, IT service providers, software developers, MSPs, and businesses that store or manage sensitive client or employee data. Which carriers back this program?Coverage is underwritten by Certain Underwriters at Lloyd’s on a non-admitted basis. What is the minimum deductible available?Qualified insureds may be eligible for deductibles as low as $500; availability depends on underwriting and risk characteristics. Is the program available in all states?The program is available in 48 states and Washington, DC. Contact an underwriter to confirm eligibility for a specific state. What are the key coverage highlights?Key features include limits up to $5M, full prior acts options, 12-month extended reporting, and coverage for hacker attacks, data breaches, malware, denial-of-service, and reputational harms such as defamation and plagiarism. Need help placing an account? Connect with a market specialist.

...ts Marketing Consultants Computer/Systems Consultants Environmenta...

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.

...tware developers Systems and computer consultants Database services ...

...thorized access to information by hackers or disgruntled former employees ...

... client’s information on a computer screen over your shoulder or in a wr...