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Lawyers Professional Liability Coverage by Preferred Concepts LLC Mercator Risk Services, a division of Preferred Concepts LLC, offers a robust Lawyers Professional Liability (LPL) insurance solution for firms of all sizes — from solo attorneys to practices with 50+ lawyers. Whether your client is a new solo practitioner or a long-established firm with complex exposures, this program provides flexible options for primary, excess, or hard-to-place risks. In today’s legal environment, law firms are increasingly vulnerable to client claims stemming from unrealistic expectations, frivolous lawsuits, or genuine errors. Professional liability insurance is essential protection, and Mercator Risk Services specializes in finding tailored coverage for even the most challenging LPL accounts. Ideal Accounts and Appetite This program is designed for a wide range of legal practices, including those that may be considered difficult to place. Ideal accounts include: High-exposure firms with a concentration in securities or real estate development Newly licensed attorneys starting their own practices Firms undergoing structural changes such as mergers, expansions, or dissolutions Practices with prior claims, disciplinary actions, or loss experience Mercator also specializes in coverage for distressed legal professionals such as: 100% plaintiff’s firms Patent and copyright attorneys Sole practitioners in high-risk areas Firms with significant claims history Coverage Highlights and Advantages Mercator Risk Services works with a variety of carriers to offer flexible and competitive LPL solutions. Coverage is available on a non-admitted basis and can be structured as primary, excess, or tailored for hard-to-place risks. The team can begin evaluating a case using nearly any standard application (excluding renewal applications), or you can request a specialized form for your client’s unique situation. You might have a client who recently left a large firm to start a solo practice — a great fit for this program. Or perhaps you're working with a small firm that’s had prior claims and is struggling to find coverage. Mercator is equipped to help you navigate these placements. Underwriting Notes The LPL market is evolving. While it remains competitive, many underwriters are tightening standards, increasing rates, and non-renewing underperforming books. Mercator’s underwriting team is experienced in assessing distressed and high-exposure risks, offering a valuable resource for agents seeking to place challenging legal accounts. Territories and Availability This program is available in all 50 states and Washington, DC. Whether your client is in California, New York, Texas, or a smaller jurisdiction, you can access this solution through Mercator Risk Services. Why Work With Preferred Concepts LLC Preferred Concepts LLC, through its Mercator Risk Services division, brings deep expertise in professional liability placements. As a wholesale broker with access to multiple carriers, Mercator provides responsive service, specialized underwriting insight, and creative solutions for complex legal risks. By partnering with Mercator, you gain a reliable resource for placing both standard and hard-to-place lawyers professional liability coverage. For more information, call (860) 527-9717 or email [email protected]. You can also visit their website at www.mercatorpro.com for applications and program details. Frequently Asked Questions What types of legal practices are best suited for this Lawyers Professional Liability program?This program is ideal for a wide range of practices—from solo attorneys to larger firms with up to 50+ lawyers. It’s especially effective for hard-to-place accounts such as firms with securities exposure, prior claims, or those undergoing recent structural changes. Can I submit an existing application to start the underwriting process?Yes, Mercator Risk Services can often begin work using an existing application, as long as it is not a renewal form. A specialized application can also be provided if needed. Is this coverage available in all states?Yes, the Lawyers Professional Liability program is available in all 50 states and Washington, DC. What makes Mercator Risk Services a good partner for placing LPL coverage?Mercator brings deep underwriting expertise and access to multiple carriers. They specialize in hard-to-place and distressed legal risks, offering tailored solutions and responsive service to agents and brokers. Does this program cover newly licensed attorneys or new solo practices?Yes, newly licensed attorneys and solo practices are welcome. The program is designed to accommodate new ventures as well as established firms. Need help placing an account? Connect with a market specialist.

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.

Overview — Network Cyber Security and Privacy Insurance from SLB Insur...he underwriter may request a recent security questionnaire or penetration test...