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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 ...

Consultants Professional Liability Program from Preferred Concepts LLC Preferred Concepts LLC, through its partnership with Mercator Risk Services, offers a specialized Professional Liability program tailored for consultants and consulting firms. Whether your client is a solo consultant or a larger firm with a niche specialty, this program is designed to provide flexible, comprehensive coverage—even for harder-to-place accounts. Ideal Accounts and Target Consulting Classes This program accommodates a broad range of consulting disciplines, including both traditional and non-traditional areas. Common types of consultants eligible for coverage include: Management Consultants Marketing Consultants Computer/Systems Consultants Environmental Consultants Safety Consultants Medical Consultants Engineering Consultants Mercator Risk Services has also successfully placed coverage for more unusual or niche consulting operations, including: Wine Consultants Avalanche Control Consultants Sports Marketing Consultants Nuclear Power Plant Consultants Zoo Consultants Playground Consultants If your client provides specialized advice or services in a unique industry, this program could be a great fit—even if they’ve been declined elsewhere. Coverage Highlights and Advantages This Professional Liability program is built to address the specific risks consultants face, such as claims arising from alleged errors, omissions, or negligence in their professional services. Key features include: Flexible limits and deductible options Access to multiple carriers for competitive placement Coverage available for both individual consultants and multi-person firms Solutions for new ventures and established businesses Coverage is offered on a non-admitted basis, allowing for customized solutions that might not be available in the admitted market. Underwriting Approach and Submission Tips Mercator Risk Services is known for its ability to underwrite challenging or distressed accounts. If you have a consultant client with prior claims, unusual exposures, or a unique business model, this program can still be a viable option. Submissions should include a completed application and full details of services offered, claims history, and risk controls in place. Territories and Availability This program is available in all 50 states and the District of Columbia, including 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, WV, WI, and WY. Why Work with Preferred Concepts LLC Preferred Concepts LLC, through Mercator Risk Services, brings deep expertise in professional liability for consultants. They’ve built a reputation for delivering responsive service and creative underwriting solutions. With access to a variety of carriers, they can tailor coverage to fit both standard and unusual consulting risks. Whether you're working with a traditional management consultant or a one-of-a-kind specialty adviser, this program can help you deliver the right protection for your client. For more information, please call (860) 527-9717 or send an email to [email protected]. Additional resources, including applications and product information, are available at www.mercatorpro.com. Frequently Asked Questions What types of consultant accounts are eligible for this program?The program covers a wide range of consulting fields, including management, marketing, IT, environmental, and even niche specialties like wine or zoo consultants. Can I submit accounts that have prior claims or are hard to place?Yes, Mercator Risk Services specializes in hard-to-place and distressed risks. They welcome submissions for accounts that may not qualify elsewhere. What states is this program available in?The program is available in all 50 states and the District of Columbia. Is this coverage admitted or non-admitted?This is a non-admitted program, allowing for greater flexibility in crafting coverage for unique or complex risks. What information is needed to get a quote?Submit a completed application along with service descriptions, loss history, and any relevant risk management details to begin the quoting process. Need help placing an account? Connect with a market specialist.

... Advertising Injury coverage • Internet Services and Internet Media Services coverage • Owned Pr...

...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 ...

Mercator Risk Services, offered through Preferred Concepts LLC, delivers comprehensive Directors & Officers (D&O) Liability Insurance solutions for a wide range of organizations. This program is designed to help protect the personal assets of corporate decision-makers and board members from lawsuits related to their management decisions. Whether your client is a public company, private firm, or nonprofit organization, Mercator has the markets and underwriting expertise to help you place this critical coverage. Ideal Accounts and Appetite Mercator Risk Services targets a broad spectrum of D&O risks, including: Public Companies Private Companies Nonprofits (including associations and unions) Financial Institutions and Financial Services Firms Companies Preparing for Initial Public Offerings (IPOs) Trustee Liability & Trusts Distressed or Hard-to-Place Accounts You might have a client that is a small nonprofit seeking D&O and EPL coverage, or a private company with a recent leadership change and increased litigation exposure—Mercator can provide markets for both. Coverage Highlights and Advantages D&O exposures continue to grow due to increased regulatory scrutiny, industry consolidation, and evolving legal landscapes. Mercator works with a wide network of carriers to provide tailored coverage solutions that address these risks. Key coverage options include: Separate or aggregated limits for D&O, EPL, and E&O coverages Competitive policy terms for nonprofits, including packages with EPL and professional liability Primary limits up to $10 million, with excess capacity available Programs available for accounts with prior claims or financial impairments Many policies can be customized based on your client’s specific exposures, and Mercator can provide specialized applications or work with an existing one to get started quickly. Underwriting Notes and Minimum Premiums Mercator can typically secure competitive terms across most account types. Minimum premiums start as low as $950, with deductibles beginning at $0 depending on class and risk characteristics. Each submission is evaluated individually, and Mercator’s broad market access helps ensure flexible solutions for both standard and complex placements. Territories and Availability This program is available in all 50 states, including DC. Whether your insured is based in California, New York, Texas, or a smaller market like Wyoming or Vermont, Mercator can help you find the right fit for their D&O needs. Why Work With Preferred Concepts and Mercator Risk Services? As a wholesale broker, Mercator Risk Services brings extensive experience and deep market access to the D&O space. Their ability to handle both standard and hard-to-place risks makes them a valuable partner for agents and brokers navigating today’s complex liability landscape. You’ll benefit from responsive service, underwriting expertise, and tailored proposals that help you secure the right protection for your clients. For more information, please call (860) 527-9717 or email [email protected]. Additional details, insurance applications, and other specialty lines resources are available on their website at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this Directors & Officers program?This program is ideal for public and private companies, nonprofits, financial institutions, and accounts preparing for IPOs. It’s also suitable for distressed or hard-to-place risks. Can this program handle accounts with prior claims or financial issues?Yes, Mercator Risk Services specializes in placing distressed or unusual D&O accounts, including those with prior claims or financial impairments. Is employment practices liability (EPL) included with the D&O coverage?Many nonprofit and private company policies can include EPL as part of the coverage package. Availability depends on the market and client profile. What are the minimum premiums and deductibles?Minimum premiums typically start at $950, with deductibles as low as $0, depending on class and underwriting criteria. Do I need to use a specific application to submit a risk?No, Mercator can often begin with an existing application (other than a renewal app) or provide a specialized one tailored to your client’s needs. Need help placing an account? Connect with a market specialist.

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.

...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 ...