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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.

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.

Directors and Officers Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a comprehensive Directors and Officers (D&O) Liability Insurance program tailored to address the evolving risks faced by executives and board members. As a wholesale broker with access to multiple carriers, First Choice provides insurance agents and brokers with a reliable market to place D&O coverage for privately held companies, publicly traded firms, and non-profit organizations. Ideal Accounts and Appetite This D&O program is designed for a broad range of businesses and organizations where leadership could be exposed to personal liability due to management decisions. Target classes include: Privately held and publicly traded companies Non-profit organizations and associations Educational institutions and healthcare entities Technology firms and financial services companies Accounts with a stable financial history and strong internal governance are typically a good fit. You might have a client who recently brought in new investors and needs D&O coverage to protect the board, or a growing non-profit where the board of directors is concerned about fiduciary responsibility exposures. Coverage Highlights and Advantages Directors and Officers Liability Insurance provides essential protection against claims arising from alleged wrongful acts committed by directors and officers in their capacity as leaders. Policies typically include: Insuring Agreement A (A-Side Coverage): Direct coverage for directors and officers when the company cannot indemnify them. Insuring Agreement B (B-Side Coverage): Reimbursement to the company when it indemnifies its directors and officers. Optional Entity Coverage: Protection for the corporation against securities-related claims, if applicable. Defense Costs: Covered for investigations, regulatory actions, and lawsuits. This program is structured to address both individual and corporate exposures, making it a strong solution for clients facing increasing scrutiny from shareholders, regulators, or the public. Underwriting Notes and Minimum Premiums First Choice works closely with agents to evaluate financials, loss history, and management practices. While minimum premiums are not listed, submissions should include full applications, financial statements, and claims history for best consideration. Non-admitted options provide greater underwriting flexibility for complex or higher-risk exposures. Territories and Availability This D&O insurance program is available on a non-admitted basis 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. First Choice offers regional expertise backed by national market access. Why Work With First Choice Insurance Intermediaries, Inc.? As a trusted wholesale broker, First Choice Insurance Intermediaries, Inc. brings deep experience in D&O and executive liability lines. They offer responsive service, a diverse carrier network, and the underwriting insight agents need to place complex risks. Whether you're working with a startup or a mature company, First Choice can help you deliver tailored solutions that protect your clients’ leadership teams. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private and public companies, non-profits, and professional organizations with board-level exposures and a need for executive protection. Does this program offer entity coverage for securities claims?Yes, many policies available through First Choice offer optional entity coverage for securities-related claims, subject to underwriting approval. Is the coverage admitted or non-admitted?This program is written on a non-admitted basis, allowing for greater flexibility in underwriting and coverage customization. What underwriting information is needed to submit a risk?Typical submissions should include a completed D&O application, current financial statements, and a history of any past claims or litigation involving directors or officers. In which states is this program available?This program is available in 30 states, including CA, FL, NY, TX, IL, and others. See the full list above for complete availability. Need help placing an account? Connect with a market specialist.

NetGuard™ Plus, the cyber liability solution from NAS Insurance Services, protects e-commerce clients from a wide range of digital risks — including network security breaches, data privacy incidents, PCI exposures, and online media liabilities. Overview of the Program From NAS Insurance Services NAS Insurance Services offers NetGuard™ Plus, a cyber liability program built specifically for retail and e-commerce businesses. Whether a client runs an online storefront, stores customer data, or depends on cloud services and social media for sales and marketing, NetGuard™ Plus provides flexible limits and a rapid breach response framework to help contain loss and reputational damage. Ideal Accounts and Appetite This program is best for e-commerce and retail operations that have direct consumer interaction online or that process payments electronically. Typical fits include: Direct-to-consumer online retailers and specialty storefronts Brands that handle customer PII or payment card data Companies that rely on cloud providers, third-party platforms, or social media for business operations You might place a growing apparel brand with an integrated online checkout and customer database, or a specialty shop that outsources fulfillment to cloud-based vendors — both are prime candidates for NetGuard™ Plus. Coverage Highlights and Advantages High breach response limits: Separate breach response sublimits that do not erode the policy aggregate, ensuring defense capacity for third-party claims. Network asset protection: Coverage for business interruption and data restoration following a security event. PCI fines & penalties: Payment card-related fines and associated defense costs are included where applicable. Notification & credit monitoring: Breach notification and consumer monitoring are available even if legal notification is not required. Pre-emptive PR expenses: Funds for public relations to manage reputational risk before issues escalate. No cloud or social media exclusions: Express coverage for exposures arising from cloud providers and social platforms. Limits are available up to $10 million, and each placement includes access to a breach response team staffed by industry experts to help coordinate forensics, legal counsel, notification, and remediation. Underwriting Notes and Minimum Premiums NetGuard™ Plus is underwritten by NAS Insurance Services as a Managing General Underwriter with placement access to Lloyd’s of London and other highly rated carriers. The program is designed to serve small to midsize e-commerce risks; minimum premium starts at $750. Underwriting focuses on current security controls, data volume and sensitivity, payment processing methods, and use of third-party vendors. Territories and Availability This is a non-admitted program available in most U.S. states. NAS currently writes NetGuard™ Plus 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. Confirm eligibility for your specific state when submitting. Why Work With NAS Insurance Services? NAS Insurance Services brings specialized cyber underwriting and program administration experience. As an MGA, NAS pairs technical cyber expertise with access to top-tier markets — including Lloyd’s — to place complex e-commerce risks. Agents benefit from flexible limits, a ready breach response network, and responsive underwriting tailored to digital business models. Frequently Asked Questions What types of accounts are a good fit for this Cyber Liability program?Online retailers, e-commerce platforms, and businesses that collect or process customer data or payments online are ideal candidates for NetGuard™ Plus. Is coverage available for businesses that operate in the cloud or use social media?Yes. NetGuard™ Plus explicitly includes exposures from cloud providers and social media without special exclusions for those technologies. Are breach response costs included in the coverage?Yes. Breach response services — including notification, credit monitoring, and public relations — are included and can be provided even when notification is not legally required. What limits are available under this program?Policy limits are available up to $10 million, with separate breach response limits structured to preserve defense capacity for third-party liability claims. Which states is this program available in?The program is available on a non-admitted basis in most U.S. states. Review the listed territories or check eligibility for the applicant’s state before quoting. 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.