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Commercial Umbrella Liability Insurance Program from Fir...s program available?This Commercial Umbrella program is offered in AL, CA, CO,...

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.

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... combines property, casualty and umbrella solutions to close those protection ...ty typically starts around $500 and umbrella around $750, subject to underwriting. Property, casualty and umbrella limits are available up to $5M de...

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... and surplus lines (E&S) and umbrella insurance solutions. As one of Calif...g to expand your book of commercial umbrella and liability placements, M.J. Ha...

Mercator Risk Services, available through Preferred Concepts LLC, offers a focused Weather Insurance (Snow Removal) program that helps your clients manage the financial impact of unexpected or excessive snowfall. This solution pays predetermined amounts when agreed weather triggers occur, helping municipalities, airports, large commercial properties and other snow-exposed organizations control snow-removal budget volatility. Snow removal costs can escalate quickly during intense winters or storm clusters. This program provides cash relief tied to objective weather measurements (for example, snowfall thresholds at an agreed station) so your clients can recover added removal expenses, vendor overtime, or related operational costs without tapping contingency reserves. Ideal Accounts and Appetite Mercator Risk Services writes policies for a wide range of accounts that face elevated snow-related expenses. Typical fits include: Municipalities and local governments responsible for public roadways Airports with large aprons, taxiways and operational areas to clear Condominium and community associations managing private roads and walkways Large commercial, retail or industrial property owners with expansive parking lots Banks and multi-branch organizations in snow-prone regions The program is also positioned to consider harder-to-place or distressed risks, including accounts with prior claims or constrained budgets. Coverage Highlights and Advantages Weather insurance for snow removal is designed to reimburse extra costs tied to defined weather events — it is not property-damage insurance and does not alter weather outcomes. Key advantages: Direct payments when measured snowfall (or other agreed weather perils) exceeds a contract threshold. Helps budget for vendor overtime, extra equipment rentals, contract overruns, and other snow-response expenses. Customizable triggers — policies can reference snowfall, temperature, wind, rain, or sunshine metrics depending on the exposure. Example scenarios: You have a municipal client that needs protection when seasonal snowfall exceeds historical averages and forces emergency plowing contracts. A property manager running multiple retail centers wants a predictable recovery if several heavy storms increase snow removal costs beyond budgeted amounts. Underwriting Notes and Minimum Premiums Mercator Risk Services will accept a standard application or work from a tailored form to match the account’s exposure. Underwriting focuses on the peril type, measurement location, historical weather data and the client’s defined loss cost metric. Pricing varies with peril selection, geographic location and exposure size. No specific minimum premium is listed here—contact Mercator through Preferred Concepts to discuss account details and receive guidance on quoting and binding. Territories and Availability This program is available nationwide. Coverage can be placed in all 50 states and Washington, D.C., including (but not limited to): 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 and Mercator Risk Services? Mercator combines niche expertise in weather-linked indemnity products with access to multiple carrier options, including flexible non-admitted solutions for unusual or high-severity exposures. Their willingness to consider distressed or hard-to-place accounts makes them a useful market when standard carriers decline. Preferred Concepts LLC provides streamlined access to Mercator’s products through CompleteMarkets, helping you move from submission to quote and bind more efficiently. For more details, see their company profile or this program’s storefront. Frequently Asked Questions What types of accounts are a good fit for this snow removal insurance?Good fits include municipalities, airports, large property managers, community associations, and organizations with multiple locations that incur significant snow-related costs. How does the policy trigger a payout?Payouts are triggered when predefined weather conditions—such as measured snowfall exceeding an agreed threshold—are met. Trigger details are set during underwriting and tied to objective weather stations or data sources. Is this program available in all states?Yes. The program is available nationwide, including all 50 states and Washington, D.C. Can this program accommodate accounts with prior claims?Yes. Mercator Risk Services will consider distressed and unusual risks, including accounts with prior claims or financial challenges, on a case-by-case basis. What types of weather perils can be covered?Coverage can be structured for snow and related perils, and can also include rain, wind, temperature variations, or sunshine triggers depending on the client’s exposure and underwriting agreement. Need help placing an account? Connect with a market specialist.

Overview of the Program from Preferred Concepts LLC Preferred Concepts LLC offers access to a Real Estate Professional Liability program administered by Mercator Risk Services. This program provides tailored professional liability solutions for a wide range of real estate-related professionals and operations. If you place real estate accounts, this market can help you address errors & omissions exposures, reputation risks, and claims arising from professional services and advisory activities. Who this program is designed for Real estate agents and brokers Property managers and condominium associations Escrow and closing agents Licensed appraisers Mortgage brokers and bankers Home inspectors and field investigators Land surveyors Radon and environmental testing professionals Ideal accounts and appetite This program is a good fit for typical small-to-mid-size professional practices and firms that provide real estate-related services. Mercator Risk Services also handles hard-to-place, distressed, and unusual accounts — so you can submit higher-risk files or accounts with prior claims that need a specialist underwriting review. Fits: independent agents, small brokerages, single-location appraisers, local property managers, home inspectors with routine business operations. Consider for harder placements: accounts with prior E&O claims, unusual operations, or elevated exposures — underwriting will evaluate on a case-by-case basis. Typically not a fit: large national brokerages with complex deployment models (submit for review), or operations outside typical professional service exposures without prior conversation with underwriting. Coverage highlights and advantages Professional liability (E&O) coverage for acts, errors, and omissions arising from professional services. Flexible limits and policy structures through access to various carriers. Ability to consider non-standard and higher-risk accounts that many admitted markets decline. Underwriting support from Mercator Risk Services for complex or distressed placements. Underwriting notes and minimums Underwriting decisions are made by Mercator Risk Services with access to multiple carrier partners. Provide detailed applications, loss runs, and any contracts or engagement letters to speed review. Minimum premium and program terms vary by carrier and state — please contact the underwriting team to confirm minimum premiums and available limits for a specific submission. Territories and availability This program is available in the following states: 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, WV, WI, WY. Coverage availability and terms can vary by state and carrier. How to place business and contact Preferred Concepts LLC brokers and agents can submit accounts to Mercator Risk Services for review. For specific submissions, underwriting questions, or placement assistance, call (860) 527-9717 or send an e-mail to [email protected]. You can also review Mercator's product information and applications on their website at www.mercatorpro.com. Why work with Preferred Concepts LLC and Mercator Risk Services on Real Estate Professional Liability Specialized underwriting for real estate-related professional risks. Access to multiple carriers and the ability to consider hard-to-place risks. Responsive support for agents when accounts require explanation or tailored terms. Example accounts that often place well here A single-office residential appraiser with limited prior claims seeking professional liability limits and defense cost coverage. A property management firm with multiple small rental properties and routine tenant disputes looking for an E&O policy that complements their general liability program. Frequently Asked Questions What types of real estate professionals are a good fit for this program?Agents, property managers, escrow agents, appraisers, mortgage brokers, home inspectors, surveyors, and radon testers are common fits. The program also accepts harder-to-place or distressed accounts for underwriting review. What information does underwriting need for a submission?Provide a completed application, current loss runs (if any), a description of operations, standard contracts or engagement letters, and any prior discipline or licensing issues. Detailed files speed the review and improve placement chances. Are prior claims acceptable?Yes — Mercator Risk Services will consider accounts with prior E&O claims. Acceptance depends on the claim history, corrective actions taken, and the nature of the operations; each file is reviewed individually. How quickly can I expect a decision?Turnaround depends on the complexity of the submission and the completeness of documentation. Straightforward accounts may receive quick decisions; complex or high-exposure files require more detailed underwriting and may take longer. Need help placing an account? Connect with a market specialist.

Mercator Risk Services, available through Preferred Concepts LLC, offers a focused Weather Insurance (Snow Removal) program that helps your clients manage the financial impact of unexpected or excessive snowfall. This solution pays predetermined amounts when agreed weather triggers occur, helping municipalities, airports, large commercial properties and other snow-exposed organizations control snow-removal budget volatility. Snow removal costs can escalate quickly during intense winters or storm clusters. This program provides cash relief tied to objective weather measurements (for example, snowfall thresholds at an agreed station) so your clients can recover added removal expenses, vendor overtime, or related operational costs without tapping contingency reserves. Ideal Accounts and Appetite Mercator Risk Services writes policies for a wide range of accounts that face elevated snow-related expenses. Typical fits include: Municipalities and local governments responsible for public roadways Airports with large aprons, taxiways and operational areas to clear Condominium and community associations managing private roads and walkways Large commercial, retail or industrial property owners with expansive parking lots Banks and multi-branch organizations in snow-prone regions The program is also positioned to consider harder-to-place or distressed risks, including accounts with prior claims or constrained budgets. Coverage Highlights and Advantages Weather insurance for snow removal is designed to reimburse extra costs tied to defined weather events — it is not property-damage insurance and does not alter weather outcomes. Key advantages: Direct payments when measured snowfall (or other agreed weather perils) exceeds a contract threshold. Helps budget for vendor overtime, extra equipment rentals, contract overruns, and other snow-response expenses. Customizable triggers — policies can reference snowfall, temperature, wind, rain, or sunshine metrics depending on the exposure. Example scenarios: You have a municipal client that needs protection when seasonal snowfall exceeds historical averages and forces emergency plowing contracts. A property manager running multiple retail centers wants a predictable recovery if several heavy storms increase snow removal costs beyond budgeted amounts. Underwriting Notes and Minimum Premiums Mercator Risk Services will accept a standard application or work from a tailored form to match the account’s exposure. Underwriting focuses on the peril type, measurement location, historical weather data and the client’s defined loss cost metric. Pricing varies with peril selection, geographic location and exposure size. No specific minimum premium is listed here—contact Mercator through Preferred Concepts to discuss account details and receive guidance on quoting and binding. Territories and Availability This program is available nationwide. Coverage can be placed in all 50 states and Washington, D.C., including (but not limited to): 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 and Mercator Risk Services? Mercator combines niche expertise in weather-linked indemnity products with access to multiple carrier options, including flexible non-admitted solutions for unusual or high-severity exposures. Their willingness to consider distressed or hard-to-place accounts makes them a useful market when standard carriers decline. Preferred Concepts LLC provides streamlined access to Mercator’s products through CompleteMarkets, helping you move from submission to quote and bind more efficiently. For more details, see their company profile or this program’s storefront. Frequently Asked Questions What types of accounts are a good fit for this snow removal insurance?Good fits include municipalities, airports, large property managers, community associations, and organizations with multiple locations that incur significant snow-related costs. How does the policy trigger a payout?Payouts are triggered when predefined weather conditions—such as measured snowfall exceeding an agreed threshold—are met. Trigger details are set during underwriting and tied to objective weather stations or data sources. Is this program available in all states?Yes. The program is available nationwide, including all 50 states and Washington, D.C. Can this program accommodate accounts with prior claims?Yes. Mercator Risk Services will consider distressed and unusual risks, including accounts with prior claims or financial challenges, on a case-by-case basis. What types of weather perils can be covered?Coverage can be structured for snow and related perils, and can also include rain, wind, temperature variations, or sunshine triggers depending on the client’s exposure and underwriting agreement. Need help placing an account? Connect with a market specialist.

Overview — First Choice Insurance Intermediaries, Inc. Commercial Property Insurance First Choice Insurance Intermediaries, Inc. offers Commercial Property Insurance designed for independent agents and brokers who need reliable placement options for business property exposures. This program compensates a business when property used in operations is lost or damaged by common perils such as fire, theft, wind, or vandalism. Coverage applies to buildings and structures as well as “personal property” — office furnishings, inventory, raw materials, machinery, computers and other items critical to a business’s operations. Coverage highlights and advantages Commercial package capability: Available forms can include property, general liability, crime and business interruption. Endorsements are available to tailor the package to specific classes (for example, restaurants or florists). Broad property coverage: Building, business personal property, tenant improvements and betterments, and stock/inventory options where appropriate. Business interruption: Time-element coverage to protect income and help policyholders recover after a covered loss. Premium financing: Premium Financing Available. Deductible options: $500, $1,000 and up, depending on the carrier and account. Wholesale placement: First Choice acts as a wholesale broker, providing access to admitted and non-admitted markets appropriate to the risk. Ideal accounts and target classes This Commercial Property program is a strong fit for small- to mid-sized brick-and-mortar and light-industrial risks. Target classes include: Apartment: Owners of buildings used exclusively as apartment houses, including cooperatives. Building: Lessors of commercial buildings occupied by offices, mercantile and retail tenants. Business: Personal consumer services, light repair shops and printing businesses. Condominium: Owners of buildings used exclusively as condominiums. Contractors: Residential and specialty trade contractors (light exposure). Garage: Independently operated or franchised automotive service and repair businesses. Manufacturers: Small manufacturers of food products, leather, metal, paper, plastic, rubber, textiles and wood products. Professional Office: Medical, legal, financial and other professional service firms. Religious: Churches and houses of worship (excluding large affiliated educational institutions). Restaurant: Franchise, family and higher-end eateries (subject to cooking/hood suppression underwriting). Store: Brick-and-mortar retail operations. Technology / Technology Office: Manufacturers of electronics and firms providing computer and technology services. Wholesalers: Distributors of durable and non-durable goods. Underwriting notes and typical restrictions Preferred accounts are small to mid-sized businesses with straightforward property exposures and up-to-date loss control. Accounts with significant high-hazard operations, extensive flammable processing, severe code violations, or long-term vacant buildings may be declined or require placement in specialized markets. Cooking exposures (restaurants) and automotive operations (garages) will be underwritten for suppression systems, distance to exposures, and prior losses. Carriers in the program may impose minimum premiums, occupancy-specific endorsements, or higher deductibles for certain classes — confirm requirements at submission. Territories and admitted status Available 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, WI. Admitted paper is available in some states; First Choice can also access non-admitted markets where necessary. Coverage availability and form depend on the carrier selected and state regulations. Why place this business with First Choice Insurance Intermediaries, Inc. As a wholesale broker, First Choice provides direct access to multiple markets and negotiates program forms and endorsements tailored to common small commercial risks. Underwriters focus on practical, class-specific solutions rather than one-size-fits-all forms, which helps place accounts that might otherwise be difficult at retail. Support for premium financing and package placements simplifies transactions for your insureds. Responsive underwriting and flexibility on endorsements for restaurants, technology firms, small manufacturing and retail make this a good fit for agents seeking competitive terms for typical commercial property risks. Example account scenarios You have a two-story retail building with occupied storefronts and a small stockroom — this program can combine building and business personal property limits with business interruption coverage. A local family-run restaurant with a hood suppression system and a solid loss history — the program can offer package property and liability options with restaurant endorsements. Frequently Asked Questions What types of accounts are a good fit for this Commercial Property program?Small- to mid-sized brick-and-mortar retailers, offices, restaurants, light manufacturers, wholesalers, garages and professional offices are ideal. The program targets straightforward property risks that benefit from a commercial package. Which states and paper types are available?The program is available 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. Admitted paper is available in some states; non-admitted placement is used where needed. Are premium financing and endorsements supported?Yes. Premium financing is available and a variety of class-specific endorsements can be added to tailor coverage for restaurants, contractors, technology firms and other targeted classes. What information should I include with a submission?Provide a current ACORD application, recent loss runs (5 years preferred), building and business personal property values, occupancy details, protection class or sprinkler info, and any risk control documentation (e.g., hood suppression inspection for restaurants). Need help placing an account? Connect with a market specialist.