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...ing for an initial public offering (IPO), Mercator combines underwriting exper...mpanies, including those preparing for IPOs, firms with complex financials or ...

... unions Companies preparing for IPOs Limited and other partnerships ... with D&O coverage for startups or IPOs?Yes. We offer solutions for startups, companies preparing for an IPO, and entities involved in crowdfund...

...nions Initial public offerings (IPOs) Limited and other partnerships ...cture details, prior loss runs and any IPO or transaction documentation. The u...

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Overview — Data Breach Insurance from Access E&S Insurance Services When a business collects or stores customer personal information — credit card numbers, social security numbers, medical records, or other personally identifiable information (PII) — a data breach can quickly become costly and reputationally damaging. Access E&S Insurance Services places Data Breach / Cyber Liability coverage through multiple markets to help agents protect their clients from the financial and liability fallout of a breach. What this program does for your clients This program addresses the core costs following a breach: incident forensics to determine scope and root cause; customer notification and regulatory reporting; identity-theft monitoring and credit services; public relations and crisis management; legal defense and settlement costs; PCI fines and assessment expenses when applicable; and coverage for business interruption and extortion/ransom attacks where offered by the market. Access E&S works with several carriers so you can consider admitted and non-admitted options depending on the account. Ideal Accounts and Appetite Small-to-mid sized retailers and restaurants that process card payments and maintain POS systems. Professional service firms (accountants, lawyers, consultants) that store client PII or financial records. Medical, dental, and allied health practices that handle protected health information (PHI). E-commerce merchants, specialty online retailers, and others using third-party cloud services. Property managers, non-profits, and educational organizations with donor/student records. Technology firms and managed service providers — subject to underwriting on scope of services and security controls. Accounts with basic cyber controls (unique user accounts, multi-factor authentication, periodic backups, written incident response plans) generally place more favorably. Coverage Highlights and Advantages Comprehensive breach response expenses: forensics, notifications, credit monitoring, and legal costs. Public relations and crisis management coverage to protect reputation after a breach. PCI assessment and fines coverage available through certain markets. Options for first-party business interruption, ransomware/extortion, and forensic data recovery when needed. Access to multiple markets through Access E&S gives flexibility on limits, retentions, and extensions. Underwriting Notes and Placement Guidance Access E&S is an Excess & Surplus Lines broker with relationships across several carriers. Underwriters will typically ask for a completed cyber application or questionnaire, a description of the data you collect/retain, details on network security controls (MFA, endpoint protection, backups), and any prior incidents or claims. High-risk features — such as uncontrolled third-party vendors, unpatched systems, or no incident response plan — may require higher retentions, specific exclusions, or referral to a different market. Because this program uses multiple markets, admitted vs non-admitted availability varies by state and carrier. Confirm market status during submission. Territories and Availability Access E&S offers this Data Breach / Cyber Liability program in the following states: AZ, CA, CO, NV, TX, and WA. Note that capacity, specific features, and admitted/non-admitted status depend on the selected market — Access E&S can help you determine the best fit for the client’s location and risk profile. Why Work With Access E&S Insurance Services for Cyber / Data Breach Broker access to several cyber markets — increases chances of placement for diverse account profiles. Experience placing E&S cyber capacity for small and mid-market businesses. Flexible approach to underwriting and ability to locate markets for accounts with atypical exposures. Support for submissions, including guidance on required controls and documentation to improve placement outcomes. Example placements A neighborhood restaurant suffers a POS malware event exposing cardholder data — the program can respond with forensics, customer notification, credit monitoring offers and PCI coverage where applicable. A dental office has a stolen laptop containing patient records — forensics, notification and identity restoration services can be provided under the breach response portion of the policy. Frequently Asked Questions What types of accounts are a good fit for this Data Breach program?Small and mid-sized businesses that store or process customer PII — retail, hospitality, professional services, healthcare practices, e-commerce sellers, property managers, and similar operations. Accounts with basic cyber hygiene (MFA, backups, written policies) are preferred. What information do carriers typically request at submission?Expect a cyber application or questionnaire, description of the types and volume of data retained, security controls in place (MFA, endpoint protection, patching, backups), third-party vendor relationships, and any prior breaches or claims. Is coverage admitted or non-admitted?Access E&S places business with multiple markets. Admitted vs non-admitted availability depends on the carrier and the state. Confirm market status on each submission — the program is available in AZ, CA, CO, NV, TX and WA. Does the program cover PCI fines and assessments?Certain markets accessed by Access E&S provide coverage for PCI fines and assessments. Availability can vary by carrier and policy form, so include PCI exposure details when you submit. Need help placing an account? Connect with a market specialist.

Comprehensive E-Professionals Coverage from Preferred Concepts LLC Preferred Concepts LLC, through Mercator Risk Services, offers tailored professional liability coverage for a broad range of e-professionals. As the digital economy expands, many traditional policies fall short when it comes to internet-related exposures. Mercator addresses this gap by offering custom solutions that combine professional liability and cyber risk coverage—ideal for professionals whose work intersects with technology and digital communications. Ideal Accounts and Appetite This program is designed for e-professionals who may not fit neatly into traditional professional liability categories. Target classes include, but are not limited to: Web developers and designers IT consultants and tech service providers Digital marketing agencies Software developers and SaaS providers eCommerce consultants You might have a client whose current E&O policy excludes internet-related exposures or whose cyber policy doesn't adequately cover their professional services. This program is built to close those gaps. Coverage Highlights and Advantages Mercator’s specialized e-professionals liability solution is broader than traditional professional or miscellaneous liability policies. Key features may include protection against: Unauthorized access and data breaches Introduction of malware or viruses Online libel, slander, and defamation Copyright and intellectual property infringement Unlike many standard policies, this solution is structured to account for both cyber risks and the professional services that trigger E&O exposures. Whether your client is starting up or scaling fast, this program can adapt to fit their unique needs. Underwriting Notes and Submission Process Mercator Risk Services can typically begin the submission process using an existing application (excluding renewal forms), or they can provide a specialized application tailored to your client’s operations. They also handle distressed or hard-to-place accounts, including those with prior claims or financial challenges. There is no listed minimum premium, and pricing varies based on the nature and scope of services provided. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. It is written on a non-admitted basis through various carriers, providing flexibility in underwriting terms and coverage customization. Why Work With Preferred Concepts LLC? Preferred Concepts LLC, through its partnership with Mercator Risk Services, brings niche underwriting expertise and access to specialty markets for e-professionals. Their team understands the complexity of combining cyber and professional liability in one streamlined solution. You’ll benefit from responsive service, flexible applications, and market access that helps place even your most unconventional accounts. For more details, visit their company profile or check out the e-Professionals program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for e-professionals such as IT consultants, web developers, digital marketers, and SaaS providers who need combined E&O and cyber risk coverage. Can the program accommodate clients with prior claims?Yes. Mercator Risk Services can consider distressed or hard-to-place accounts, including those with prior claims or financial issues. Is this coverage available in all states?Yes, the program is available in all 50 states and Washington, D.C., on a non-admitted basis through various carriers. What types of exposures are typically covered?Coverage may include unauthorized access, malware introduction, online libel or defamation, and copyright infringement related to professional services. How do I submit an application?You can submit using an existing application (excluding renewal forms), or request a specialized application from Mercator Risk Services. Need help placing an account? Connect with a market specialist.

Cyber Liability Insurance RISCO Insurance Brokerage Inc. offers a Cyber Liability Insurance program designed for independent agents and brokers who need reliable markets and flexible coverage for clients facing digital exposures. Data breaches and privacy incidents are common — this program helps your clients manage the costs of incident response, regulatory exposures, and reputational damage while giving you market access through an experienced MGA and E&S broker. Overview of the Program from RISCO Insurance Brokerage Inc. This program provides tailored cyber and privacy protection for small and mid-size businesses across multiple industries. RISCO places coverage with various admitted and surplus markets, offering solutions that combine first-party incident response with third-party liability defense for privacy and network security claims. Coverage can include notification and monitoring, forensic and legal services, regulatory defense, and public relations support. Ideal Accounts and Appetite This program is a good fit for agents with clients who need practical cyber protection but do not require large, enterprise-level limits. Typical target classes include: Medical and dental practices, behavioral health and small healthcare providers Retail and restaurants (including PCI exposures) Professional services — accountants, consultants, lawyers Technology and software firms, managed service providers (select accounts) Nonprofits, real estate firms, and small financial services firms Accounts that have reasonable security controls, written privacy policies, and no recent unresolved breaches usually place most smoothly. High-frequency breach histories, unmanaged legacy systems, or certain highly regulated/complex cyber operations may require referral or higher limits through specialty markets. Coverage Highlights and Advantages The program includes the core cyber coverages agents expect, with options to tailor limits and services: Notifications costs and credit/identity monitoring Information Security & Privacy Liability Regulatory defense and penalties (where insurable) Website and media content liability Crisis management and public relations expenses PCI fines and related costs Computer forensics and incident response Cyber extortion/ransomware coverage RISCO’s placement advantage is access to multiple markets and flexible terms for admitted and E&S capacity, enabling competitive quotes and tailored endorsements for common SME exposures. Underwriting Notes and Minimum Premiums Underwriting focuses on the applicant’s data security practices, incident history, and the sensitivity of data handled. Typical submission requirements include an application with security controls, recent breach history, and details on data types stored or processed. Minimum premium: $750. Because markets differ in appetite and form, RISCO will route submissions to the most appropriate admitted or E&S carrier depending on exposure and state requirements. Territories and Availability This program is available in CT, FL, ME, MA, NH, NY, RI and VT. RISCO works with multiple carriers and markets to place business in the most suitable admitted or surplus lines paper based on the insured’s location and risk profile. Why Work With RISCO Insurance Brokerage Inc. on Cyber Liability As a Managing General Agency and Excess & Surplus Lines broker, RISCO combines underwriting expertise with wide market access. You benefit from: Access to various admitted and E&S carriers for competitive placement Experienced cyber underwriting that understands SME exposures Flexible coverage modules and incident response options that agents can present to clients Practical guidance on submission preparation to improve placement speed Example scenarios: You have a retail client that accepts card payments and wants protection for PCI fines, notification costs, and forensic services after a breach — this program can provide tailored limits and monitoring services. You represent a small medical practice that stores patient records and needs coverage for HIPAA-related defense costs, breach notifications, and post-breach PR — this program targets those exposures with appropriate endorsements. Submit with a completed application, description of security controls, and any prior incident history to help RISCO place the account efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Small-to-mid-size businesses across healthcare, retail, professional services, technology, nonprofits and similar classes. The program targets organizations with documented security controls and manageable breach histories. Is this coverage available on admitted paper or only surplus lines?RISCO places business with various carriers and can access admitted or excess & surplus markets as appropriate. Market availability will depend on the insured’s state, exposure and limits requested. What is the minimum premium and typical submission requirements?The program has a minimum premium of $750. Typical submissions should include a completed cyber application, description of security controls (firewalls, MFA, backups), and any prior breach/incident history. What should I expect after a reported incident?Policies usually provide access to forensic investigators, breach notification support, credit/identity monitoring providers and public relations services. Exact services depend on the carrier and endorsements placed for the account. Need help placing an account? Connect with a market specialist.

Overview — Technology Professional Liability Markets from Preferred Concepts LLC Preferred Concepts LLC places Technology professional liability accounts through competitive wholesale markets. Technology accounts present a wide array of professional liability exposures and typically fall into two groups: developers of technology (the most common purchasers of tech E&O) and users of technology (who have different coverage needs). Preferred Concepts works with various carriers and program partners to help you place both routine and hard-to-place technology risks. Developers of Technology Developers — or IT professionals — are the most frequent buyers of professional liability protection. This includes organizations that design, build, integrate, or maintain software and systems such as: Website developers Software developers Systems and computer consultants Database services Network administrators Security consultants Systems procurement Transactional Internet services Users of Technology Users of technology are more varied and traditionally less likely to purchase professional liability coverage, but many have identifiable exposures that require tailored solutions. Typical user classes include: Internet advertisers and marketing organizations e-Professionals delivering traditional services online e-Commerce companies (pure-play online businesses) "Clicks & mortar" companies — traditional businesses with transactional web presence Content providers — portals, search engines and specialized content sites Coverage Highlights and Advantages Broad professional liability/E&O capacity for software, systems, and Internet services. Optional media/intellectual property considerations — for accounts with potential copyright, trademark, patent, defamation, or privacy exposures. Access to competitive wholesale markets and specialty underwriters through Preferred Concepts' broker relationships. Flexible placement options for standard technology risks as well as hard-to-place or distressed accounts. Ideal Accounts and Appetite Preferred Concepts is set up to help agents place a wide range of technology clients. The program is a good fit for: Small to mid-sized development shops and IT consultants seeking E&O limits and tailored endorsements. Online service providers and transactional web businesses that require professional liability protection for errors in their services or platforms. Content providers and advertisers that may need combined tech E&O and media liability options. Accounts that typically need more bespoke terms — large-scale enterprise deployments, insureds with extensive patent exposure, or companies with significant revenue from high-risk data activities — should be submitted for underwriting review; markets available through Preferred Concepts can consider many of these risks but appetite is underwriter-dependent. Underwriting Notes Underwriters evaluate scope of services, revenue size, claims history, contractual exposure (including indemnity and warranty wording), and security/data practices. Media and IP extensions are available on many submissions but are underwritten separately and may be subject to additional limitations or sublimits. Be prepared to provide a clear description of services, contracts, recent project examples, and any third-party vendor relationships. Preferred Concepts routinely handles hard-to-place, distressed, and unusual accounts — include detailed submission materials and explain the specific placement challenge. Territories and Availability This Technology program is available through Preferred Concepts 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. Coverage availability, forms, and admitted vs. non-admitted options are subject to carrier and state-specific rules. Why Work With Preferred Concepts LLC on Technology Accounts Wholesale broker expertise: Preferred Concepts leverages relationships with specialty carriers to find competitive E&O and media liability solutions. Experienced underwriting intake: We know which markets prefer which tech classes and can guide you on presentation to reduce time to quote. Flexible service: From standard placements to hard-to-place or distressed risks, Preferred Concepts can route submissions to appropriate markets and provide placement support. Carrier access: Various carriers are available through the program; Preferred Concepts will match submission characteristics to the best available markets. Example submissions You might have a mid-size software developer that needs primary tech E&O with an optional media/IP endorsement after a client dispute over code reuse. Or an online marketplace that wants professional liability for transactional services plus vendor due-diligence support — Preferred Concepts can submit to markets that consider bundled solutions. More information: For program details, application forms, and market availability, contact Preferred Concepts' wholesale placement team. The original program materials reference Mercator Risk Services for certain technology professional liability offerings — see their web resources for additional product detail: [email protected] and www.mercatorpro.com. Frequently Asked Questions What types of technology accounts fit this program?The program is aimed at developers of technology (software houses, web developers, systems and security consultants) and a broad range of technology users (e-commerce, advertisers, content providers). Small to mid-sized firms are the best fit; larger or highly specialized accounts can be submitted for review. Does the program provide media or intellectual property coverage?Media and IP exposures are common in technology placements. Many markets available through Preferred Concepts can add media/IP coverage or offer separate endorsements, but acceptance and terms are carrier-dependent and require underwriting review. What should I include with a submission?Provide a clear description of services offered, revenue by service line, sample contracts, claims history, and information about security/data practices. For hard-to-place risks, include specifics on the placement challenge and any prior carrier decline or loss details. Are hard-to-place or distressed technology accounts accepted?Yes. Preferred Concepts routinely handles hard-to-place, distressed, and unusual accounts and will route them to specialty markets that consider elevated risks. Early communication on the issue helps target the right market. Which states are supported?The program is available in 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. Coverage specifics may vary by state and carrier. Need help placing an account? Connect with a market specialist.