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Products Liability Coverage from Mercator Risk Services Mercator Risk Services, offered through Preferred Concepts LLC, provides tailored placement solutions for hard-to-place products liability accounts. We focus on risks that fall outside the standard market because of their complexity, unusual nature, or elevated exposure. Our underwriting experience and market access help agents and brokers place challenging product-related risks efficiently. Ideal Accounts and Appetite This program is well-suited for: Manufacturers or distributors of new, innovative, or niche products Companies with a history of products liability claims Businesses undergoing ownership changes, mergers, or acquisitions Firms experiencing rapid growth or expanding distribution nationally Producers of higher-hazard products that are difficult to place in the standard market We also consider discontinued products and tail coverage solutions, though tail options have become more limited in the current market. Coverage Highlights and Advantages Preferred Concepts, working with Mercator Risk Services, offers both occurrence and claims-made forms to match an account’s exposure and placement goals. Claims-made programs can be especially useful for start-ups and higher-hazard manufacturers because they often provide lower initial premiums and more predictable costs in early years. Key advantages: Access to a variety of carriers for customized placements Flexible policy structures tailored to unique product exposures Consideration for discontinued-product exposures and tail solutions where available Underwriting Notes Each submission is reviewed on its own merits. Underwriting focuses on product type, manufacturing and quality controls, distribution scope, and loss history. While there is no published minimum premium, pricing depends on risk complexity and market conditions. To speed quoting, include a complete application, detailed product descriptions, current loss runs, any recall or claim history, and relevant safety or marketing materials. Information about manufacturing processes, testing protocols, and risk control measures is helpful for favorable consideration. Territories and Availability This products liability program is available in all 50 states and the District of Columbia, with admitted options in select states depending on carrier appetite and risk class. Key states commonly placed include CA, NY, TX, FL, IL, and GA. Why Work With Preferred Concepts and Mercator Risk? Preferred Concepts LLC, in partnership with Mercator Risk Services, brings niche underwriting expertise and responsive service to help you place difficult products liability accounts. We understand specialty risks and maintain carrier relationships that can handle non-standard exposures. Whether your client is a start-up launching a novel device or a manufacturer with prior claims, we work to identify appropriate markets and structure terms that address the exposure. Example scenarios you can place through this program: A small manufacturer launching an innovative consumer device with limited sales history that needs a claims-made program to manage early-year premiums. A distributor with a prior products liability loss seeking new carriers and tailored limits while expanding into additional states. For more information, call (860) 527-9717 or email [email protected]. You can also visit our website at www.mercatorselect.com for applications and additional product details. Frequently Asked Questions What types of accounts are a good fit for this Products Liability program?This program is ideal for manufacturers, importers, or distributors of hard-to-place, high-hazard, or innovative products—especially accounts with prior losses or those undergoing business transitions. Is coverage available nationwide?Yes. The program is available in all 50 states and Washington, DC. Admitted coverage is offered in select states depending on the risk class and carrier appetite. Do you offer claims-made or occurrence coverage?Both forms are available. Claims-made coverage is often chosen for start-ups or higher-risk accounts because it can offer premium flexibility early in the policy period. Can you help with companies that have prior liability claims?Yes. We specialize in placing accounts with prior claims and leverage carrier relationships to find workable coverage solutions. What documentation is needed to submit a risk?Typical submissions should include a completed application, detailed product descriptions, current loss runs, and any relevant marketing, safety, or testing materials. Need help placing an account? Connect with a market specialist.

Commercial Umbrella Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a robust Commercial Umbrella Liability Insurance program designed to help agents and brokers protect their commercial clients against catastrophic liability losses. This program provides excess limits over the insured’s primary liability policies, including general liability, auto liability, and employer’s liability. It also helps close gaps and exclusions that may exist in the underlying coverage. Ideal Accounts and Appetite This program is well-suited for a wide range of commercial clients who require higher liability limits or who operate with elevated risk exposures. Ideal accounts include, but are not limited to: Contractors and construction firms with multiple job sites Retail businesses with significant foot traffic Distributors and manufacturers with product liability concerns Transportation and logistics companies needing excess auto liability Hospitality businesses such as restaurants or event venues with liquor liability exposures If you have a client with a growing operation or a high public exposure, this umbrella product can provide the additional peace of mind they need to operate confidently. Coverage Highlights and Advantages The commercial umbrella policy from First Choice can provide: Worldwide coverage Personal injury protection Blanket contractual liability for both written and oral contracts Care, custody, and control coverage Non-owned aircraft and watercraft liability Advertisers and liquor liability XCU (explosion, collapse, underground) liability Extensions of coverage to additional insureds This policy is designed to pick up where primary policies leave off, offering critical protection in high-severity loss scenarios. The umbrella can also respond when certain exclusions in primary policies might otherwise leave the insured exposed. Underwriting Notes and Deductibles The program requires underlying primary third-party liability coverage to be in place. Deductibles apply based on the underlying policy terms and limits. Premium financing is available, making this program an accessible option for a wide range of clients. While there is no fixed minimum premium listed, the program is structured to be competitive and flexible depending on the risk profile. Contact First Choice for underwriting requirements on specific accounts. Territories and Market Access First Choice Insurance Intermediaries, Inc. offers access to this program in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Coverage is available in both admitted and non-admitted markets depending on the risk and jurisdiction, allowing flexibility to meet diverse client needs. Why Work With First Choice Insurance Intermediaries, Inc.? As a wholesale broker, First Choice brings deep market access and underwriting expertise to help you place challenging or high-limit liability accounts. Their umbrella liability product is designed for flexibility, with broad coverage and support for a wide range of industries. Whether your client operates nationally or regionally, First Choice can help you secure the protection they need to safeguard their business against large-scale liability exposures. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?This program is ideal for contractors, manufacturers, distributors, transportation firms, retailers, and hospitality businesses with significant liability exposures or the need for higher coverage limits. What underlying coverages are required?Insureds must carry primary liability policies such as general liability, auto liability, and employer’s liability. These serve as the foundation for the umbrella policy to provide excess coverage. Is premium financing available?Yes, premium financing is available to help make coverage more accessible for your clients. Is this coverage available in admitted markets?Some markets within this program are admitted, while others are non-admitted. Availability depends on the state and the nature of the risk. In which states is this program available?This Commercial Umbrella program is offered in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Need help placing an account? Connect with a market specialist.

...commercial, retail or industrial property owners with expansive parking lots ...ude municipalities, airports, large property managers, community associations,...

...commercial, retail or industrial property owners with expansive parking lots ...ude municipalities, airports, large property managers, community associations,...

... Technology professionals and consultants Property managers Other Spec...ard markets—such as manufacturers, consultants, drone operators, or real estat...

... of Business Not Eligible Elevator consultants Chemical/petrochemic...eclined?The program does not accept elevator consultants, chemical/petrochemical enginee...