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Internet Advertisers Program from Preferred C...am available in all states?Yes. The Internet Advertisers program is available on a non-a...

...encies Graphic Designers Internet and Web Designers Publishers and...

...n • Hospitality • IT Providers • Internet Retailers and Providers • Law Firms ...of service attacks • Electronic and Internet Media Liability • Funds Transfer ...

...e boards Accounts that require internet/email related protection and lock bo...posures such as lock-box damage and internet-related claims. Apogee’s structur...

...cies fall short when it comes to internet-related exposures. Mercator addresse...t whose current E&O policy excludes internet-related exposures or whose cyber ...

Professional Liability Coverage for Investment Brokers and Dealers Preferred Concepts LLC, through Mercator Risk Services, offers tailored professional liability solutions for a wide range of investment professionals. This program is specifically designed to address the complex risk exposures faced by Registered Investment Advisors (RIAs), Broker/Dealers, consultants, hedge fund managers, private equity firms, and other investment-related entities. With access to various carriers and specialized underwriting expertise, Mercator helps agents and brokers place both standard and hard-to-place accounts nationwide. Ideal Accounts and Appetite This program is best suited for: Registered Investment Advisors (RIAs) Broker/Dealers Private Equity and Venture Capital Funds Hedge Fund Managers Investment Consultants Trusts, Distributors, and Administrators Mercator Risk Services also has the capability to handle distressed, financially impaired, and claims-prone accounts. If you have clients with prior claims or complex operations, this program can offer solutions where standard markets may fall short. Coverage Highlights and Risk Management Value Investment professionals face significant E&O exposures, primarily from dissatisfied investors alleging mismanagement, administrative errors, or investment underperformance. Claims often arise from: Failure to follow investment plans or strategies Negligence or misrepresentation Operational or administrative mistakes Regulatory investigations and compliance failures Defense costs and reputational harm can be substantial. This program provides access to professional liability coverage designed to safeguard against both the frequency and severity of these claims. The focus is on protecting your client’s assets, reputation, and ability to operate effectively. Underwriting Notes and Application Process Mercator can typically begin the underwriting process using an existing application (excluding renewals) or provide a specialized application tailored to your client’s unique needs. Accounts with prior loss history or financial difficulties are not automatically excluded—Mercator specializes in evaluating and placing challenging risks. States Where Coverage Is Available This non-admitted program is available in all 50 states, including DC. Whether your client is located in California, New York, Texas, Florida, or any other state, Mercator Risk Services can help you secure the right coverage. Why Work With Preferred Concepts and Mercator Risk Services? Mercator Risk Services, offered through Preferred Concepts LLC, brings deep expertise in professional liability for investment-centric organizations. As a wholesale broker with broad market access, they offer flexible solutions, quick turnaround, and expert guidance on complex financial service accounts. You might have a client who is launching a new hedge fund or managing a small RIA firm that recently faced a legal challenge. These are the types of accounts Mercator can confidently assess and help you place—whether they’re clean risks or distressed operations. To learn more or to discuss a specific risk, contact Mercator Risk Services at (860) 527-9717 or email [email protected]. Additional resources and applications are available at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for RIAs, broker/dealers, hedge funds, private equity funds, and other investment professionals—including those with prior claims or unique risk profiles. Can you place accounts with a history of claims or financial distress?Yes. Mercator Risk Services specializes in hard-to-place and distressed accounts, including those with claims history or financial impairment. Is this program available in all states?Yes, this non-admitted program is available nationwide, including all 50 states and the District of Columbia. What information is needed to start the underwriting process?Mercator can typically use an existing E&O application (except for renewals) or provide a custom application tailored for your client’s operations. What are the main risks covered under this professional liability program?The program protects against investor lawsuits, regulatory actions, administrative errors, and other professional liability exposures common to investment firms. Need help placing an account? Connect with a market specialist.

Kidnap & Ransom Insurance Program from Preferred Concepts LLC Preferred Concepts LLC offers a specialized Kidnap & Ransom (K&R) insurance program designed to protect organizations and their employees from the financial and operational impacts of kidnapping, extortion, and related threats. As a wholesale broker with access to multiple markets, Preferred Concepts provides flexible coverage solutions tailored to the unique exposures faced by businesses operating globally. Ideal Accounts and Appetite This program is ideal for companies with employees or executives traveling or stationed overseas, particularly in high-risk regions such as South America, parts of Asia, and Africa. Coverage is also increasingly relevant for U.S.-based firms with international clients, supply chains, or high-profile public exposure. Smaller companies are also showing increased interest in this coverage as international operations expand. Whether your client is a multinational corporation or a mid-sized firm with overseas travel needs, this program can be customized to meet their risk profile. Examples of good-fit accounts include: A consulting firm with staff regularly deployed to Latin America A manufacturing company with executives overseeing production facilities abroad Coverage Highlights and Advantages Kidnap and Ransom insurance provides more than just financial reimbursement—it offers critical support during high-stakes events. Coverage may include: Ransom payments, including funds lost in transit Reimbursement for extortion demands targeting personnel, assets, or products Access to experienced crisis response and security consultants Travel and relocation costs related to covered incidents Coverage for both employees and their family members Policies can be structured with worldwide or region-specific coverage, depending on the client’s needs. Security services offered through the policy can be critical in navigating a kidnapping or extortion event quickly and effectively. Underwriting Notes and Minimum Premiums Underwriting is tailored to the specific risk profile of each company. Key pricing and eligibility factors include: Company size and number of traveling or stationed employees Geographic exposure and frequency of international travel Coverage limits, deductibles, and policy terms Any history of previous incidents Visibility and public exposure of the company The application process is generally simple and confidential. For companies with routine travel to high-risk areas or more complex operational risks, a more detailed underwriting review may be required. While premiums are generally affordable, they can vary significantly based on location and exposure. Territories and Availability This program is available in all 50 states plus the District of Columbia. Coverage is written on a non-admitted basis through various carriers, allowing for flexibility in policy design and underwriting. Why Work With Preferred Concepts LLC Preferred Concepts LLC brings deep experience in specialty lines, including Kidnap & Ransom coverage. As a wholesale broker, they offer market access, underwriting expertise, and responsive service that empower agents and brokers to confidently place challenging and sensitive risks. Their access to multiple carriers ensures competitive options for your clients. To learn more about this program or to request a quote, call (860) 527-9717 or email [email protected]. Additional details and resources are available on their website at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this Kidnap & Ransom program?Ideal accounts include companies with executives or employees traveling or living abroad, particularly in high-risk areas such as South America, Africa, or Asia. This includes consulting firms, NGOs, manufacturers, and financial institutions. Is this coverage available for small to mid-sized businesses?Yes, smaller companies with growing international exposure are increasingly purchasing K&R coverage. The program can be tailored to meet the needs of businesses of varying sizes. What does the underwriting process involve?The underwriting process is generally confidential and straightforward. For standard risks, a short application is often sufficient. More complex risks with high exposure may require detailed underwriting information. Does the policy cover family members of employees?Yes, most policies can be structured to include coverage for family members as well as employees, especially if they are living or traveling overseas due to business needs. In which states is this program available?This Kidnap & Ransom program is available in all U.S. states and the District of Columbia. Need help placing an account? Connect with a market specialist.

Integrated Risk Facilities, Inc. - Umbrella Facility Preferred Concepts LLC offers the Integrated Risk Facilities, Inc. - Umbrella Facility, a long-standing mono-line umbrella program designed specifically for the Real Estate and Hospitality industries. With available limits up to $250,000,000, this program is built to meet the excess liability needs of complex and high-value property portfolios. Brokers working with commercial real estate owners, hotel operators, and developers will find this facility ideal for accounts requiring substantial umbrella capacity with flexible terms and responsive underwriting. Ideal Accounts and Appetite This umbrella program is tailored for large-scale risks in the following sectors: Commercial and residential real estate portfolios Hospitality properties, including hotels and resorts Mixed-use developments Real estate investment trusts (REITs) and property management firms It is especially well-suited for insureds with sizable assets or operations in multiple states that require high umbrella limits to satisfy lender or contractual requirements. You might have a client who owns a multi-state hotel chain or manages hundreds of residential units—this program can meet their excess liability needs efficiently. Coverage Highlights and Advantages Limits available up to $250 million Mono-line structure allows for standalone umbrella placement Contemporary coverage terms tailored to modern risk profiles Supported by top-tier carriers including ACE, AIG, Chubb, and Zurich Highly competitive pricing relative to industry benchmarks The program is designed to address a wide range of general liability exposures and is backed by financially strong markets, providing you and your clients with confidence in claims-paying ability and long-term program stability. Underwriting Notes and Submission Guidelines While there is no published minimum premium, accounts should be of sufficient size and complexity to benefit from higher umbrella limits. Underwriters will evaluate total insured values, number of locations, occupancy types, loss history, and existing primary coverage structure. Submissions with well-documented risk management practices and clean loss histories are more likely to qualify for preferred terms. Territories and Availability This non-admitted umbrella program is available in 50 states including the District of Columbia. States served include but are not limited to California, New York, Texas, Florida, Illinois, and Georgia. Whether your client operates regionally or nationally, Preferred Concepts can support your placement needs across state lines. Why Work With Preferred Concepts LLC Preferred Concepts LLC is known for its long-tenured specialty programs and deep expertise in real estate and hospitality risks. Their underwriting team offers responsive service and custom solutions for complex and high-limit umbrella placements. With access to premier carrier partners and a commitment to program stability, Preferred Concepts gives brokers the tools they need to secure competitive, reliable umbrella coverage for sophisticated clients. Frequently Asked Questions What types of accounts are a good fit for this umbrella program?Ideal accounts include commercial and residential real estate portfolios, REITs, hotel and resort operators, and property managers with high-value or multi-location exposures. What is the maximum umbrella limit available?The program offers coverage limits up to $250,000,000, depending on the risk profile and underwriting criteria. Is this an admitted or non-admitted program?This is a non-admitted umbrella program, allowing for greater flexibility in coverage terms and underwriting. Which insurance carriers support this program?The facility is backed by leading carriers including ACE, AIG, Chubb, and Zurich, ensuring strong financial stability and claims support. In which states is this program available?The program is available in all 50 states, including key markets like California, Texas, Florida, and New York. Need help placing an account? Connect with a market specialist.