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Kidnap & Ransom Insurance Program from Preferred Concepts LLC Preferred Concepts LLC offers a specialized Kidnap & Ransom (K&R) insurance program designed to protect organizations and their employees from the financial and operational impacts of kidnapping, extortion, and related threats. As a wholesale broker with access to multiple markets, Preferred Concepts provides flexible coverage solutions tailored to the unique exposures faced by businesses operating globally. Ideal Accounts and Appetite This program is ideal for companies with employees or executives traveling or stationed overseas, particularly in high-risk regions such as South America, parts of Asia, and Africa. Coverage is also increasingly relevant for U.S.-based firms with international clients, supply chains, or high-profile public exposure. Smaller companies are also showing increased interest in this coverage as international operations expand. Whether your client is a multinational corporation or a mid-sized firm with overseas travel needs, this program can be customized to meet their risk profile. Examples of good-fit accounts include: A consulting firm with staff regularly deployed to Latin America A manufacturing company with executives overseeing production facilities abroad Coverage Highlights and Advantages Kidnap and Ransom insurance provides more than just financial reimbursement—it offers critical support during high-stakes events. Coverage may include: Ransom payments, including funds lost in transit Reimbursement for extortion demands targeting personnel, assets, or products Access to experienced crisis response and security consultants Travel and relocation costs related to covered incidents Coverage for both employees and their family members Policies can be structured with worldwide or region-specific coverage, depending on the client’s needs. Security services offered through the policy can be critical in navigating a kidnapping or extortion event quickly and effectively. Underwriting Notes and Minimum Premiums Underwriting is tailored to the specific risk profile of each company. Key pricing and eligibility factors include: Company size and number of traveling or stationed employees Geographic exposure and frequency of international travel Coverage limits, deductibles, and policy terms Any history of previous incidents Visibility and public exposure of the company The application process is generally simple and confidential. For companies with routine travel to high-risk areas or more complex operational risks, a more detailed underwriting review may be required. While premiums are generally affordable, they can vary significantly based on location and exposure. Territories and Availability This program is available in all 50 states plus the District of Columbia. Coverage is written on a non-admitted basis through various carriers, allowing for flexibility in policy design and underwriting. Why Work With Preferred Concepts LLC Preferred Concepts LLC brings deep experience in specialty lines, including Kidnap & Ransom coverage. As a wholesale broker, they offer market access, underwriting expertise, and responsive service that empower agents and brokers to confidently place challenging and sensitive risks. Their access to multiple carriers ensures competitive options for your clients. To learn more about this program or to request a quote, call (860) 527-9717 or email [email protected]. Additional details and resources are available on their website at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this Kidnap & Ransom program?Ideal accounts include companies with executives or employees traveling or living abroad, particularly in high-risk areas such as South America, Africa, or Asia. This includes consulting firms, NGOs, manufacturers, and financial institutions. Is this coverage available for small to mid-sized businesses?Yes, smaller companies with growing international exposure are increasingly purchasing K&R coverage. The program can be tailored to meet the needs of businesses of varying sizes. What does the underwriting process involve?The underwriting process is generally confidential and straightforward. For standard risks, a short application is often sufficient. More complex risks with high exposure may require detailed underwriting information. Does the policy cover family members of employees?Yes, most policies can be structured to include coverage for family members as well as employees, especially if they are living or traveling overseas due to business needs. In which states is this program available?This Kidnap & Ransom program is available in all U.S. states and the District of Columbia. Need help placing an account? Connect with a market specialist.

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Employed Lawyers Coverage Through Preferred Concepts LLC Preferred Concepts LLC, in partnership with Mercator Risk Services, offers specialized professional liability coverage tailored for employed lawyers. Unlike private practice attorneys, employed lawyers typically work solely on behalf of their employer, but they are still exposed to legal risks—particularly from third-party claims. As these types of claims continue to rise, having dedicated coverage is critical. Mercator Risk Services provides flexible and comprehensive Employed Lawyers Professional Liability (EPL) solutions for a wide range of businesses and organizations. Whether your client is a corporation, nonprofit, or other entity with in-house legal counsel, this program is designed to help mitigate the unique exposures that come with employing attorneys. Ideal Accounts and Appetite This program is ideal for small to mid-sized organizations that employ one or more in-house attorneys. Examples of good fit accounts include: A nonprofit foundation with a general counsel managing contracts, compliance, and HR matters A regional corporation employing staff attorneys to oversee legal affairs, risk, or regulatory issues Mercator also has the ability to handle more complex or challenging accounts, such as those with prior claims or financial difficulties. If you’re working with a distressed or hard-to-place risk, Preferred Concepts LLC can help you find a home for that business. Coverage Highlights and Advantages Claims-made coverage tailored for employed attorneys Standard limits starting at $1 million for small to mid-size organizations Flexible deductibles based on the size and profile of the insured Coverage available for third-party claims, which represent a growing percentage of legal malpractice claims Access to multiple carriers to help match the right solution to your client’s needs Applications can be initiated with an existing form (excluding renewals), or a customized application can be provided for your client’s specific situation. Underwriting Notes Mercator Risk Services takes a flexible underwriting approach and works with both standard and distressed risks. They can usually begin with a broker’s existing application, saving time and effort in the submission process. Accounts with prior claims history or financial concerns can be considered on a case-by-case basis. Territories and Availability This program is available in all 50 states and the District of Columbia. Regardless of your client’s location, Preferred Concepts LLC can assist you in placing Employed Lawyers coverage through its wide network of carrier relationships. Why Work With Preferred Concepts LLC? As a leading wholesale broker, Preferred Concepts LLC provides access to Mercator Risk Services—a trusted name in professional liability. You benefit from responsive service, deep underwriting expertise, and the ability to place complex accounts that may not fit standard markets. With access to various carriers and a specialty in hard-to-place legal risks, Preferred Concepts is well-positioned to help you protect your clients with tailored Employed Lawyers coverage. For more information, call (860) 527-9717 or email [email protected]. You can also explore more about the program and access insurance applications at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this Employed Lawyers program?This program is ideal for corporations, nonprofits, or other organizations that employ in-house attorneys, especially those with one to several legal professionals on staff. Can you help with accounts that have prior claims or financial challenges?Yes. Mercator Risk Services is experienced in handling hard-to-place and distressed risks, including those with past claims or financial impairments. What coverage limits are available for small to mid-sized organizations?Standard limits typically start at $1 million, with higher limits available depending on the size and risk profile of the insured. Is this coverage available in all states?Yes, the program is available nationwide, including all 50 states and the District of Columbia. What application is needed to get started?Mercator can usually begin with an existing application (excluding renewals), or they can provide a specialized application tailored to the account. Need help placing an account? Connect with a market specialist.

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