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Overview — Citadel Insurance Services: Wholesaling Insurance Citadel Insurance Services offers liability insurance solutions designed for wholesalers, distributors, and importers. Our Wholesaling Insurance program focuses on accounts that can be difficult to place in standard markets — including product importers, national distributors, and specialty wholesalers across a wide range of product lines. As a managing general agency, Citadel leverages multiple carrier relationships to find admitted and non-admitted placement options and underwriting flexibility for harder risks. Target Classes and Ideal Accounts This program is a good fit when your client is a wholesaler, importer, or distributor that needs broad commercial general liability and product liability coverage. Typical targets include: Recreational products distributors Consumer goods wholesalers Life science product importers Automobile performance parts suppliers Chemicals and industrial supplies Plastics and molded components Electrical products and components Cleaning products and janitorial supply distributors Other specialty importer/wholesaler operations with complex recall, labeling, or cross-border exposures Coverage Highlights and Advantages Citadel’s wholesalers program is focused on liability exposures that matter most to distributors and importers: product liability, general liability, completed operations, and coverage extensions related to import/export activity. Advantages agents can expect: Access to multiple carrier markets and appetite flexibility for hard-to-place classes Placement options that include admitted and non-admitted carriers (some admitted markets available) Underwriters experienced in product stewardship, traceability, and third-party testing exposures Ability to handle complex distribution chains, private label arrangements, and importation risks Underwriting Notes and Minimum Premium To quote effectively, be prepared to provide a clear description of the product lines, supply chain (import sources), average annual sales by product line, quality control and testing procedures, recall history, and any existing product control protocols (labeling, instructions, consumer warnings). Accounts with product testing documentation and robust recall plans typically receive more competitive terms. Minimum premium: $2,500. Pricing and placement will vary by product category, sales volume, and loss history. Appetite and Common Restrictions Good fits: Wholesalers and importers with diversified product lines and established quality controls Accounts needing product liability wrap for private label operations Distributors seeking completed operations coverage for installation or repair services Not typically a fit: Retail storefronts that sell directly to consumers (unless packaged with wholesale operations) High-hazard chemical manufacturers without documented controls or significant loss history Accounts with unresolved or frequent product recalls without corrective action plans Territories and Availability Available 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. Market availability and admitted status vary by state and by carrier — Citadel will help identify the best placement for each jurisdiction. Why Work With Citadel on Wholesaling Insurance As a managing general agency focused on hard-to-place risks, Citadel Insurance Services pairs specialized underwriting with broad carrier access. Our broker partners benefit from pragmatic underwriting, quicker appetite responses, and tailored terms for complex distribution and import exposures. Use this program to help retain accounts you might otherwise have to refer out or decline. Example Scenarios You have a regional importer of recreational products that supplies retailers across multiple states and needs product liability limits plus a recall response plan — Citadel can seek markets that will consider the account with documented testing and recall controls. A distributor of automobile performance parts sells to installers nationwide and needs completed operations coverage for installed parts — this program can evaluate completed operations exposures alongside product liability. Frequently Asked Questions What types of accounts are a good fit for Citadel’s Wholesaling Insurance program?Accounts that are primarily wholesalers, distributors, or importers of consumer, industrial, or specialty products are ideal — particularly when they need product liability, completed operations, or import-related liability solutions and have documented quality controls. What submission information does Citadel need to quote?Provide a description of product lines, annual sales by product, supply chain/import origins, loss and recall history, product testing or quality control procedures, and any safety or labeling programs. Photos, MSDS (if applicable), and copies of agreements for private label work help accelerate review. Are admitted markets available and where can business be placed?Citadel works with a mix of admitted and non-admitted carriers; some admitted markets are available. The program is available in the states listed above, and Citadel will identify the best market based on the account and jurisdiction. What is the minimum premium and typical turnaround time?The program minimum premium is $2,500. Turnaround depends on account complexity; straightforward wholesale-only accounts with complete submission materials typically receive preliminary responses faster than multi-jurisdictional or high-exposure submissions. Need help placing an account? Connect with a market specialist.

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Overview — Consultants Program from Preferred Concepts LLC Preferred Concepts LLC offers a Consultants program that helps independent agents place professional liability for a wide range of consulting firms. For underwriting and proposal support, the program leverages resources from Mercator Risk Services, which has experience writing consulting accounts in specialties such as: Marketing Environmental Avalanche control Nuclear power plant consulting Safety consulting Management consulting Medical consulting Many consulting firms assume they are covered by a General Liability policy for professional exposures; however, tightening contractual requirements and increasing client expectations are driving demand for explicit Professional Liability (Errors & Omissions) coverage. Preferred Concepts LLC’s Consultants program is designed to help you place that coverage, including difficult or nonstandard risks. Ideal Accounts and Appetite Small to mid-size consulting firms in the listed specialties Independent consultants and small consulting firms with limited staff Accounts with contract-driven insurance requirements (project-specific or client-mandated limits) Hard-to-place or distressed accounts — including risks with prior claims or financial stress Typical accounts that fit the program are firms whose duty is to advise, design, assess, or certify (rather than perform construction or manufacturing). Accounts with significant performance guarantees, statutory exposure, or ongoing operations that include high-hazard fieldwork may require specialized underwriting review. Coverage Highlights and Advantages Professional Liability (E&O) capacity through various carriers available via the wholesale broker platform Ability to handle standard, hard-to-place, distressed and unusual accounts — including those with prior claims Flexibility to work from an agent’s application or from a specialized application when required Support with proposals and placement strategies from experienced underwriters/partners Underwriting Notes and Submissions Preferred Concepts LLC can usually work from the agent’s own application (except renewals), or provide a specialized application when needed. Be prepared to include: Scope of services and contract language Revenue breakdown by service and by location Claims history and prior acts information Any risk management procedures, certifications, or client requirements Because the program accepts hard-to-place situations, disclose any prior claims, regulatory matters, or financial impairment up front to speed placement and find appropriate markets. Territories and Availability This program is available 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. Why Work with Preferred Concepts LLC on Consultants Business Wholesale broker access to multiple carriers and specialty capacity Experience placing both routine and hard-to-place consulting risks Practical underwriting guidance to help you meet client contract requirements Responsive submission handling and use of agent applications to minimize duplication If you have a client who provides professional advice and faces contractually required limits or a history that has made placement difficult, this program can help you obtain professional liability coverage and market options. Hard to Place: The program also handles hard-to-place, distressed and unusual accounts, such as accounts with claims or financially impaired accounts. Let us know about your clients’ needs and Preferred Concepts LLC will work with our underwriting partners to provide information and assistance for your particular situation or account and your Professional Liability coverage. For more information, please call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on products, insurance applications, and specialty lines information on the Mercator website at www.mercatorpro.com. Frequently Asked Questions What types of consulting accounts are a good fit for this program?Accounts that primarily provide professional advice, design, or assessment services—such as marketing, environmental, safety, management, and medical consulting—are generally a good fit. The program also considers hard-to-place and previously-claimed accounts on a case-by-case basis. Can I submit using my agency's application?Yes. Preferred Concepts LLC can usually work from your application (other than renewal applications). If needed, a specialized application is available from the underwriting partner. How should I present accounts with prior claims or financial stress?Disclose prior claims, pending matters, and any financial impairments up front. Provide details on claim outcomes, corrective actions taken, and current controls so underwriters can evaluate placement options quickly. Need help placing an account? Connect with a market specialist.