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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.

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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...

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.

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.