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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...

...ms procurement Transactional Internet services Users of Technology Use...e of technology users (e-commerce, advertisers, content providers). Small to m...

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

... and managed service providers Internet service providers and web/mobile app...hnology consulting/outsourcing, run internet services, or produce digital cont...

Mercator Risk Services, offered through Preferred Concepts LLC, provides customized professional liability solutions for a wide range of consultants and miscellaneous professionals. This program is built for hard-to-place, unusual, or specialized risks that often fall outside traditional coverage options. Whether your client operates in a niche industry or delivers a unique mix of services, Mercator’s underwriting team can help secure tailored protection. Ideal Accounts and Appetite This program is suitable for consultants and professional firms across more than 60 classes, including accounts with mixed or complex exposures. Mercator Risk Services has an appetite for accounts that are challenging due to operational complexity, regulatory sensitivity, or specialized service offerings. Representative classes include: Benefit Administrators Claims Adjusters / TPAs Computer / EDP Services Collection Agencies Consultants (all types) Customs / Freight Brokers Designers Flood Insurance Data Providers Independent Testing Labs Inspection Services IT Professionals Legal Service Providers Marketing Research Organizations Medical Billing or Research Firms Meeting Planners Property Managers Real Estate Related Services Regulatory Compliance Advisors Tax Preparers Technology Accounts Telecom Site Services If your client fills a hybrid role—such as combining IT consulting with compliance advisory—this program can accommodate mixed exposures with tailored underwriting solutions. Coverage Highlights and Advantages Mercator’s professional liability coverage is structured to address the specific risks associated with professional services. Policies can include enhancements and endorsements to match an insured’s services and likely claim scenarios. Typical coverages and add-ons include: Errors & omissions arising from professional advice or services Claims related to data security, privacy incidents, or technology failures Regulatory and compliance-related exposures Coverage for mixed or evolving professional service offerings Each submission is underwritten on its own merits so coverage and limits are aligned with the client’s operations and risk profile. Underwriting Notes and Minimum Premiums Mercator specializes in hard-to-place and distressed accounts, making them a go-to when standard markets decline or cannot accommodate an exposure. They consider new risks, unique operations, and accounts with prior claims. Minimum premiums vary by class and exposure and are determined case-by-case through underwriting review. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. Coverage is offered on a non-admitted basis through various carriers, providing flexibility for specialized and emerging risks. Why Work With Preferred Concepts LLC and Mercator Risk Services Preferred Concepts LLC connects agents and brokers with Mercator’s specialized underwriting expertise. Access to multiple carriers and a demonstrated appetite for difficult accounts lets you place unconventional professional liability risks that many admitted markets will not accept. The partnership emphasizes personalized service, pragmatic underwriting, and creative solutions to keep business placed. Common examples you might encounter: A small IT firm that also provides regulatory compliance advice and needs a single professional liability policy covering both technology and advisory exposures. An independent testing lab with a limited claims history but a unique testing procedure that traditional carriers view as non-standard. To learn more, visit the full program page at Preferred Concepts LLC – Miscellaneous Program or contact the market for submission instructions and application requirements. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for consultants and miscellaneous professionals across more than 60 classes, especially those with unique, complex, or hard-to-place exposures. Can this program handle accounts with prior claims or distressed histories?Yes. Mercator Risk Services specializes in hard-to-place and distressed risks and will consider accounts with prior claims on a case-by-case basis. Is the coverage available in all states?Yes. This program is available in all 50 states and Washington, D.C., and is offered on a non-admitted basis through various carriers. What types of coverage enhancements are available?Policies can be tailored with endorsements to address data breaches, regulatory exposures, mixed service operations, and other specialized risks relevant to the insured’s services. How do I submit a risk for consideration?Contact Mercator Risk Services via the Preferred Concepts submission channels, or visit the program page to access applications and submission guidelines. Need help placing an account? Connect with a market specialist.

... offering various technology and internet services. Target classes include: ...ustom programmers Transactional internet service providers Whether yo...

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

Overview — Insurance Agents & Brokers E&O Preferred Concepts LLC offers access to a dedicated Insurance Agents and Brokers Errors & Omissions (E&O) program through Mercator Risk Services. This wholesale placement option is designed for independent agents and brokers who need professional liability protection for mistakes, omissions, and disputed professional services. Mercator places coverage with various admitted and non-admitted markets, providing flexibility for routine and more complex accounts. Target Classes and Ideal Accounts Retail agents and brokerage firms Wholesale and surplus lines brokers Specialty operations and niche producers Underwriting managers and managing general agencies (MGAs/UGAs) Life and group health agents/brokers Reinsurance brokers Mercator also has appetite for hard-to-place, distressed, or unusual accounts. If you have a client with prior losses, unique distribution channels, or unusual exposures, Mercator’s underwriting team can evaluate those situations and provide options. Coverage Highlights and Advantages Professional liability (E&O) coverage tailored to insurance producers and broker errors/omissions. Limits available up to $5,000,000 on a primary basis, with additional limits offered on an excess basis. Access to multiple markets through a wholesale broker relationship—helpful when admitted markets are limited or a specialty appetite is required. Flexibility to consider non-standard and higher-exposure risks that may be declined elsewhere. Underwriting Notes and Minimum Premiums Underwriting is handled by Mercator Risk Services and is evaluated on a case-by-case basis. Minimum premium levels and deductible amounts depend on the size and type of the firm, its loss history, product lines, and overall exposure. Typical submission materials that speed placement include: Completed E&O application Recent loss runs and claims history Summary of operations, revenue, and staff/producer counts Details on any prior disciplinary actions or regulatory issues Territories and Availability This program is available across a broad set of U.S. 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. Why Work With Preferred Concepts LLC on This Program Wholesale distribution: Preferred Concepts connects you to Mercator’s program markets and underwriting expertise. Specialty handling: Mercator’s team is experienced placing unusual, higher-exposure, or hard-to-place producer E&O risks. Limits and structure: Capacity to place larger limits on a primary basis and to arrange excess layers when needed. Example Scenarios You have a regional retail agency looking for a $1M/$2M professional liability program after a client dispute — this program can provide tailored primary limits and access to excess capacity. A wholesale broker with complex surplus lines placements has a prior loss on file and needs an E&O solution; Mercator will consider the account and work to place it rather than decline up front. For placement assistance or to discuss a submission, contact Mercator Risk Services by phone at (860) 527-9717 or by e-mail at [email protected]. Additional program materials and applications are available on Mercator’s website: www.mercatorpro.com. Frequently Asked Questions What types of producer accounts are a good fit for this E&O program?The program fits retail and wholesale agents, specialty producers, MGAs/UGAs, life/group health brokers, and reinsurance brokers — including accounts that other markets may consider hard to place. What limits and policy structure are available?Primary limits are available up to $5,000,000, with additional excess capacity available. The final structure depends on underwriting review and carrier appetite for the specific account. How is pricing and minimum premium determined?Minimum premiums and deductibles are determined by firm size, type of business, exposure profile, and loss history. Mercator evaluates each submission to provide a tailored quote. What information should I include with a submission?Include a completed E&O application, recent loss runs, a description of operations/revenues, and any relevant regulatory or disciplinary history to help expedite underwriting. Can this program handle accounts with prior losses or unusual exposures?Yes. Mercator explicitly handles hard-to-place, distressed, and unusual accounts and will review submissions that many standard markets decline. Need help placing an account? Connect with a market specialist.