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ERISA Bonds Program from Preferred Concepts...gram available in all states?Yes, the ERISA Bond program is available in all 5...

... Crime Janitorial Services ERISA Financial Institution Comprehe...rty coverage, financial institutions, ERISA plan fiduciaries, and any commerci...

...arantee Bonds Fidelity Bonds: ERISA Bonds Manufacturers Business Service Bonds Mortgage Brokers/Bankers Third Pa...fer streamlined applications for many bonds. For example, performance bonds up to $100,000 can often be writte...

...iduciary Liability Insurance & ERISA The Employee Retirement Income Security Act of 1974 (ERISA) creates broad fiduciary responsibili...needs standalone fiduciary limits and ERISA defense—this program can access ca...

...mployee benefit plan oversight and ERISA-related services Insurance placem...ns such as HIPAA/privacy breaches and ERISA fines. In many cases we can provid...

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.

Media Liability Coverage from Preferred Concepts LLC Preferred Concepts LLC, through Mercator Risk Services, offers specialized Media Liability coverage for a wide range of media organizations and professionals. Designed to meet the unique needs of content creators, publishers, and communicators, this program provides essential protection against third-party claims related to libel, slander, copyright infringement, and other professional media exposures. Ideal Accounts and Appetite This program is an excellent fit for agents and brokers seeking coverage solutions for clients in the media, marketing, and communications sectors. Target classes include: Newspapers and Magazines TV and Radio Stations Advertising Agencies Public Relations Consultants Media Buying Agencies Graphic Designers Internet and Web Designers Publishers and Printers Direct Marketing Firms Marketing Consultants You might have a client running a regional magazine or a boutique digital marketing firm—these are solid fits for this flexible and responsive program. Coverage Highlights and Advantages Media Liability insurance is a specialized form of Professional Liability (E&O) that addresses the risks media professionals face due to the content they produce or distribute. Common exposures include claims of libel, slander, defamation, invasion of privacy, and intellectual property violations. This program is crafted to respond to these risks whether they originate from editorial content, advertising placements, or digital media activities. Key advantages include: Customized coverage for a wide range of media professionals Access to multiple carriers to tailor terms and pricing Support for distressed, hard-to-place, or unique risks Responsive underwriting and support team familiar with media-specific exposures Underwriting Notes Mercator Risk Services has deep experience handling both standard and hard-to-place risks. If you have a client with a complicated claims history or an unusual business model, this team is prepared to review and provide options. While minimum premium requirements may vary by risk and carrier, the emphasis is always on finding a solution that matches your client’s profile. Territories and Availability This Media Liability program is available in all 50 states and Washington, DC. Coverage is written on a non-admitted basis through various carriers, allowing for greater flexibility in underwriting and policy customization. Why Work With Preferred Concepts LLC? Preferred Concepts LLC, through its Mercator Risk Services division, brings wholesale brokerage expertise and strong market access to the specialty liability space. Their team understands the complex and evolving risks faced by media professionals and works closely with agents and brokers to place coverage efficiently. Whether you're dealing with a standard publisher or a high-risk digital media startup, they have the knowledge and carrier relationships to provide solutions. For more information, contact Mercator Risk Services at (860) 527-9717 or email [email protected]. You can also visit their website at www.mercatorpro.com for applications and additional program information. Frequently Asked Questions What types of accounts are a good fit for this Media Liability program?This program works well for traditional and digital media clients such as publishers, advertising firms, PR consultants, and web designers. Can this program handle hard-to-place or distressed risks?Yes. Mercator Risk Services specializes in finding solutions for hard-to-place, unusual, or distressed media accounts. Is this program available nationwide?Yes, coverage is available in all 50 states and Washington, DC. What are the key exposures this policy covers?The policy addresses third-party claims such as libel, slander, copyright infringement, defamation, and other media-specific liabilities. What kind of support does Mercator Risk Services provide to agents?They offer responsive underwriting, access to multiple carriers, and assistance with complex or unique submissions to help agents secure appropriate coverage. Need help placing an account? Connect with a market specialist.

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.

Mortgage Brokers / Bankers Preferred Concepts LLC places professional liability and Errors & Omissions (E&O) coverage for mortgage brokers and mortgage bankers through Mercator Risk Services. The program is designed for producers who need professional liability solutions for real-estate-related lending professionals — including accounts that are routine as well as those that are hard to place or have previous loss activity. Overview of the Program Mercator Risk Services provides underwriting and placement for a broad range of mortgage broker and mortgage banker exposures. The program addresses the practical errors and omissions risks that arise from the loan transaction lifecycle — from application and appraisal to closing and servicing. Preferred Concepts LLC can help you evaluate submissions and route accounts to Mercator for consideration. Common Claims & Exposures Errors by the mortgage broker or banker in loan origination or documentation Errors in closing or settlement services Mortgage servicing mistakes (payment posting, escrow handling, etc.) Failure to order, obtain, or properly document appraisals Failure to obtain or maintain required hazard insurance Ideal Accounts and Appetite This program fits: Independent mortgage brokers and broker-dealers arranging residential or small commercial loans Mortgage bankers that originate and service loans on behalf of lenders Accounts with complex placement needs — including distressed, financially impaired, or previously litigated accounts Typically acceptable: standard E&O risks as well as hard-to-place accounts with prior claims or financial impairment. Accounts that fall outside underwriting appetite will be identified during submission review. Coverage Highlights and Advantages Professional liability / Errors & Omissions coverage tailored to real-estate lending professionals Ability to consider accounts with prior claims or financial challenges Flexible underwriting — Mercator can often work from an application you already have or provide a tailored application for the account Access to multiple carrier relationships through Mercator’s wholesale platform Underwriting Notes Mercator can typically start with an existing application (except in the case of renewals) or supply a specialized application when needed. Disclose prior claims, regulatory actions, and financial impairment up front to accelerate placement. Hard-to-place accounts are handled case-by-case; clear, complete submissions with supporting documents improve chances for placement. Territories and Availability Available through Preferred Concepts LLC / Mercator Risk Services 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. Example Account Scenarios You have a small mortgage brokerage that sources residential loans for multiple lenders and needs E&O coverage after a borrower alleged appraisal-related errors — Mercator’s program may consider the account, including prior allegations. A mortgage banker with in-house servicing has a history of an escrow mishandling claim; you need a market that will review the facts and consider placement despite prior loss — this program handles such hard-to-place files. Why Place This Business With Preferred Concepts LLC Preferred Concepts LLC provides access to Mercator Risk Services’ specialty underwriting for mortgage brokers and bankers. That means you get a wholesale platform experienced with professional liability for lending professionals, flexibility to submit unusual or distressed accounts, and support through the underwriting process. Hard to Place: Mercator routinely handles hard-to-place, distressed, and unusual accounts — including those with prior claims or financial impairment. Tell us about your client’s needs and we’ll help determine the best submission approach and coverage options. For more information, please call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on their products, insurance applications, and Specialty Lines insurance information on their Web site www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that typically fit include independent mortgage brokers and mortgage bankers involved in origination, closing, or servicing. The program is also suited for hard-to-place accounts with prior claims or financial impairment, provided the submission includes full details. Can Mercator consider accounts with prior claims or regulatory actions?Yes. Mercator regularly reviews accounts with prior claims or regulatory issues. Provide complete loss histories, regulatory documentation, and remediation steps in your submission to give the underwriter the best context. What documentation should I include with a submission?Include a current application, loss runs, copies of any regulatory correspondence, sample engagement letters or contracts, and details on corporate structure and servicing practices. If you have a client application already prepared, Mercator can generally start from that form. Are there state restrictions or licensing requirements I should be aware of?Availability is broad across the listed states, but individual underwriting may consider state-specific licensing or regulatory histories. Submit the client’s licensing information and any relevant state actions to speed review. Need help placing an account? Connect with a market specialist.