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Overview — Corporate Identity Protection from America's ...ion and crisis response costs, plus identity recovery services for affected in...

...p protect the personal assets of corporate decision-makers and board members f...

...n PC-9 or PC-10 territories Identity/fraud coverage Assessment loss ...M TIV, or specialized endorsements (identity/fraud, water backup, assessment l...

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.

Lawyers Professional Liability Coverage by Preferred Concepts LLC Mercator Risk Services, a division of Preferred Concepts LLC, offers a robust Lawyers Professional Liability (LPL) insurance solution for firms of all sizes — from solo attorneys to practices with 50+ lawyers. Whether your client is a new solo practitioner or a long-established firm with complex exposures, this program provides flexible options for primary, excess, or hard-to-place risks. In today’s legal environment, law firms are increasingly vulnerable to client claims stemming from unrealistic expectations, frivolous lawsuits, or genuine errors. Professional liability insurance is essential protection, and Mercator Risk Services specializes in finding tailored coverage for even the most challenging LPL accounts. Ideal Accounts and Appetite This program is designed for a wide range of legal practices, including those that may be considered difficult to place. Ideal accounts include: High-exposure firms with a concentration in securities or real estate development Newly licensed attorneys starting their own practices Firms undergoing structural changes such as mergers, expansions, or dissolutions Practices with prior claims, disciplinary actions, or loss experience Mercator also specializes in coverage for distressed legal professionals such as: 100% plaintiff’s firms Patent and copyright attorneys Sole practitioners in high-risk areas Firms with significant claims history Coverage Highlights and Advantages Mercator Risk Services works with a variety of carriers to offer flexible and competitive LPL solutions. Coverage is available on a non-admitted basis and can be structured as primary, excess, or tailored for hard-to-place risks. The team can begin evaluating a case using nearly any standard application (excluding renewal applications), or you can request a specialized form for your client’s unique situation. You might have a client who recently left a large firm to start a solo practice — a great fit for this program. Or perhaps you're working with a small firm that’s had prior claims and is struggling to find coverage. Mercator is equipped to help you navigate these placements. Underwriting Notes The LPL market is evolving. While it remains competitive, many underwriters are tightening standards, increasing rates, and non-renewing underperforming books. Mercator’s underwriting team is experienced in assessing distressed and high-exposure risks, offering a valuable resource for agents seeking to place challenging legal accounts. Territories and Availability This program is available in all 50 states and Washington, DC. Whether your client is in California, New York, Texas, or a smaller jurisdiction, you can access this solution through Mercator Risk Services. Why Work With Preferred Concepts LLC Preferred Concepts LLC, through its Mercator Risk Services division, brings deep expertise in professional liability placements. As a wholesale broker with access to multiple carriers, Mercator provides responsive service, specialized underwriting insight, and creative solutions for complex legal risks. By partnering with Mercator, you gain a reliable resource for placing both standard and hard-to-place lawyers professional liability coverage. For more information, call (860) 527-9717 or email [email protected]. You can also visit their website at www.mercatorpro.com for applications and program details. Frequently Asked Questions What types of legal practices are best suited for this Lawyers Professional Liability program?This program is ideal for a wide range of practices—from solo attorneys to larger firms with up to 50+ lawyers. It’s especially effective for hard-to-place accounts such as firms with securities exposure, prior claims, or those undergoing recent structural changes. Can I submit an existing application to start the underwriting process?Yes, Mercator Risk Services can often begin work using an existing application, as long as it is not a renewal form. A specialized application can also be provided if needed. Is this coverage available in all states?Yes, the Lawyers Professional Liability program is available in all 50 states and Washington, DC. What makes Mercator Risk Services a good partner for placing LPL coverage?Mercator brings deep underwriting expertise and access to multiple carriers. They specialize in hard-to-place and distressed legal risks, offering tailored solutions and responsive service to agents and brokers. Does this program cover newly licensed attorneys or new solo practices?Yes, newly licensed attorneys and solo practices are welcome. The program is designed to accommodate new ventures as well as established firms. Need help placing an account? Connect with a market specialist.

...ies and fiduciary exposures that corporate directors and officers face in toda...sions preferred over renewal apps), corporate disclosures, public filings, and...

... the trustee is an individual, a corporate fiduciary, or part of a family offi... program is ideal for individual or corporate trustees, family offices, and tr...

...er Fraud • Governmental Claims • Identity Theft • Infringement of Copyright, Slogan, ...

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.

A business that handles customer data will most likely be the victim of a breach at some point. Most understand the risks, but, few protect themselves. Advise your clients to protect their finances and reputation from data breach and cyber losses. Data Breaches are becoming more and more frequent, fierce and undeniably expensive. Your clients have Exposure if they:• Take in employee or customer social security numbers • Process credit card transactions • Utilize bank account information • Store or access health care records or other non-public informationSome of their Risks include:• Lost or stolen laptops, media, back up tapes or thumb drives • Computer viruses • Employee misuse • Improper disposal of paper records • Computer hackingTheir out of pocket Costs without paper coverage?• Notification costs (estimated over $200 per record) • Credit monitoring costs (estimated at $20-$30 per record) • Significant attorney costs, fines and penaltiesObtaining a quote for your client is as easy as 1, 2, 3 with AP Advantage! Provide us with:1. Name and address of insured 2. Class of insured business 3. Annual revenuesMinimum premiums start as low as $1,000 for coverage that could be priceless. We are happy to discuss how our Data Breach coverage is the right fit for you and your client, please contact us for more information.