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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.

Lawyers Professional Liability (E&O) Ins...PL options can be provided alongside lawyers professional liability on many ac...

...Insurance agents & brokers – Lawyers – Medical malpractice risks • 75+ m...

Directors & Officers Liability Insurance Offered by Alexander J. Wayne & Associates, Inc. Alexander J. Wayne & Associates, Inc. is a trusted wholesale broker with deep expertise in professional liability risks. Our For Profit Directors and Officers (D&O) Liability Insurance program is designed to protect directors and officers of privately held and publicly traded for-profit companies from a wide range of legal exposures. Overview of the Program Today’s business leaders face increasing legal risks from shareholders, employees, vendors, customers, competitors, and even government entities. Our D&O program is built to help agents place this challenging coverage by offering comprehensive protection for individuals in leadership roles. Whether your client is a startup or an established enterprise, we can help you secure broad coverage that protects both the company and its leadership team. Ideal Accounts and Appetite This program is suitable for a wide range of for-profit entities, including: Privately held companies Publicly traded companies Closely held or family-owned firms We welcome accounts across various industries, with special consideration for those with fewer than 200 employees to take advantage of certain defense cost benefits. If you have a client concerned about boardroom liability, such as a mid-sized manufacturer, technology startup, or retail chain, this program may be an excellent fit. Coverage Highlights and Advantages Our For Profit D&O Liability Insurance program offers a range of policy enhancements and options to address evolving risks: Separate Limit of Liability for Employment Practices Liability (EPL) claims D&O limit is not eroded by employment-related claims Unlimited Extended Reporting Period for former directors and officers at no additional charge EPL defense costs outside the limit of liability (available for accounts with 200 or fewer employees) Optional extensions for Fiduciary Liability and Crime Coverage Duty to Defend policy form Automatic Entity Coverage at no extra cost Spousal extension included Automatic coverage for service on 501(c)(3) nonprofit boards Coverage available for individual directors or officers Underwriting Notes and Carrier Access Alexander J. Wayne & Associates, Inc. works with all major U.S. carriers and Lloyd's of London, both domestic and London open market. This gives us the flexibility to tailor solutions for unique or hard-to-place risks. We offer coverage on both admitted and non-admitted paper, depending on state and risk characteristics. We take a consultative approach to underwriting and work closely with agents to find the best fit for each account. States and Availability This program is available in all 50 states, plus Washington, D.C., making it ideal for agents with multi-state clients or growing regional businesses. Whether you’re located in California, Texas, New York, or anywhere in between, we can help you place your client’s D&O risk. Why Work With Alexander J. Wayne & Associates, Inc.? With decades of experience in professional liability and management risk, Alexander J. Wayne & Associates, Inc. is a go-to resource for agents looking to place complex D&O exposures. We offer personalized support, market access, and underwriting expertise to help you deliver the right solution for your clients. Our broad coverage options, flexible underwriting, and national reach make us a strong partner in this space. Call us today to learn more about our Directors & Officers Liability Insurance program and how we can help you 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 privately held and publicly traded for-profit companies, including startups, mid-sized businesses, and family-owned firms across a wide range of industries. Does this program include coverage for employment practices liability?Yes, it offers a separate limit of liability for EPL claims, and for accounts with 200 or fewer employees, EPL defense costs are covered outside the policy limit. Can individual directors or officers be covered under this program?Yes, this program offers coverage options for individual directors or officers, which can be especially helpful in unique board structures or advisory roles. Is this program available nationwide?Yes, the program is available in all 50 states and Washington, D.C. What carriers support this program?We work with all major U.S. carriers and Lloyd’s of London markets, offering both admitted and non-admitted solutions depending on the risk and location. Need help placing an account? Connect with a market specialist.

Non-Profit Directors & Officers Insurance (D&O) Tennant Risk Services offers a robust Non-Profit Directors & Officers (D&O) Insurance program tailored for private and non-profit organizations. As a specialized Managing General Agency and Excess & Surplus Lines Broker, we understand the unique liabilities faced by board members, officers, and decision-makers within these entities. We provide expert guidance, fast turnaround times, and access to multiple carriers nationwide to help you find the right solution for your clients. Our D&O insurance solutions are structured to respond to a wide range of exposures for both traditional and more complex operations. Whether your insured is a small nonprofit or a financially distressed private company, we work to secure broad coverage at competitive rates. Target Classes Include: Non-Profit Entities Private Companies Public Companies Associations & Unions Limited & Other Partnerships Trusts & Trustees Special Coverage Options: Side A Excess Coverage Individual Directorship Coverage Custom Group Programs Challenging Risks? We Can Help. We routinely handle difficult-to-place accounts with: Trustee and Partnership Exposures Adverse Loss History Complex or Unique Financial Structures Financially Distressed Entities Public Officials Quasi-Governmental Organizations Program Highlights: Minimum premiums starting at $750 Optional coverages: EPL, Cyber, Fiduciary, Crime, E&O Risk management services included Flexible deductibles and limits Separate limits available for key coverages Sample Placed Accounts: Non-Profit Recreational Association – $1M Limit at $1,000 Premium Private Company, Specialty Equipment Rental – $1M Limit at $8,000 Premium Public Company, Biopharmaceutical Research – $5M Limit at $83,000 Premium Private Equipment Distributor – $5M Limit at $12,000 Premium Our D&O insurance program is available in all states, including DC. Coverage may be admitted or non-admitted depending on the risk, territory, and size of the account. We work with a broad range of carriers to provide the best fit for each client’s needs. Tennant Risk Services supports retail agents and brokers with unmatched service, expert underwriting, and access to top-tier markets. Whether you're working on a standard placement or a tough D&O risk, let our experienced team help you deliver value to your clients. For more information or to submit an account, please call or email us. We look forward to working with you! Put our Directors & Officers Insurance (D&O) Expertise to Work for You! Frequently Asked Questions What types of accounts are a good fit for this program?We target non-profits, private companies, associations, unions, partnerships, and trusts. We also handle challenging accounts with complex financials or prior losses. Can this program address hard-to-place risks?Yes. We specialize in tough D&O placements, including financially distressed entities, unique financial structures, and trustee exposures. Is coverage available in all states?Yes, our D&O program is available in all 50 states and DC. Coverage may be admitted or non-admitted depending on the specific risk. Are additional coverages like EPL or Cyber available?Yes. We can include Employment Practices Liability, Cyber Liability, Fiduciary, Crime, and E&O as part of the D&O package. What is the minimum premium for this program?Minimum premiums start as low as $750, depending on the account size, risk profile, and coverage selected. Need help placing an account? Connect with a market specialist.

Lawyer's Protector Plan® Coverage from Navigators especially designed for Attorneys. Coverage for: •Professional services as administrator, executor and trustee incidental to a firm's practice of law; notary public arbitrator/mediator; a hearing officer or lobbyist; title agent services for clients •Professional services performed on behalf of the Named Insured by Of Counsel and independent contractors •Authorship and bar association services •Personal injury coverage for libel, slander, invasion of privacy, malicious prosecution and other non-bodily injury damages •Supplemental payments coverage includes: •Loss of Earnings Coverage up to $7500 per claim and $25,000 per policy period •Disciplinary & Licensure Defense up to $30,000 per disciplinary action and $60,000 per policy •New! Security Incident Reimbursement up to $5000 per security incident and $10,000 per policy for expenses incurred due to a database security breach •Professional liability limits of liability of $100,000/$300,000 to $5,000,000* •Retentions start as low as $1000 and up to $100,000 for qualifying firms *Liability options vary by state and territory under coverages

When you hear the term “non-profit,” most people think of charitable organizations—those devoted to health, human services, education, religion, or environmental causes. These organizations play a vital role in our communities, but their tax-exempt status doesn’t shield them from legal and financial exposures. In fact, non-profit boards and executive leaders often face a wide range of potential liabilities, making Directors & Officers (D&O) coverage a critical part of their risk management strategy. Protect Your Non-Profit Clients with D&O Coverage from Alexander J. Wayne & Associates Alexander J. Wayne & Associates, Inc. offers a robust Non Profit D&O insurance program designed specifically to meet the complex needs of 501(c)(3) organizations and other non-profit entities. As a trusted wholesale broker, we provide access to competitive D&O markets—including all major U.S. carriers and Lloyd’s of London (both domestic and London open market). We understand the unique risks non-profits face, from board member decisions to employment-related claims. Our program is built to help insurance agents place D&O coverage that protects both the organization and its leadership. Ideal Accounts and Appetite This program is an excellent fit for a wide range of non-profit organizations, including: Charities and foundations Health and human services providers Religious institutions Educational and arts organizations Environmental advocacy groups Community associations and clubs You might have a client running a regional animal rescue or a non-profit counseling center—both are strong candidates for this D&O program. The program is especially suitable for organizations with up to 200 employees, although larger risks may also be considered. Coverage Highlights and Advantages Our Non Profit D&O program offers broad protection for both the organization and its directors, officers, and board members. Key features include: • Separate Limit of Liability for Employment Practices Liability (EPL) claims • D&O Liability Limit is not eroded by employment claims • Unlimited Extended Reporting Period for former Directors & Officers at no additional charge • EPL Defense Costs Outside the Limit of Liability (for accounts with 200 or fewer employees) • Optional Fiduciary Liability Extension • Optional Crime Coverage • Duty to Defend Policy • Entity Coverage automatically included at no additional premium • Automatic coverage for service on Non Profit 501(c)(3) boards • Spousal Extension • Coverage available for individual directors or officers This comprehensive offering is designed to safeguard against lawsuits from employees, volunteers, donors, vendors, and even government regulators. Underwriting Notes and Minimum Premiums Our underwriting team evaluates each risk individually to provide tailored solutions. Although no specific minimum premium is listed, we work to find the most competitive terms for qualifying risks. Accounts with strong governance practices and a history of minimal claims are particularly attractive. Territories and Availability This program is available in all 50 states and the District of Columbia. Whether your client is based in California, Texas, New York, or a smaller market like Wyoming or Maine, we can help you place the right coverage. Why Work With Alexander J. Wayne & Associates? Alexander J. Wayne & Associates has decades of experience placing specialty lines coverage, including D&O for non-profits. As a wholesale broker, we offer: Access to top-rated carriers, including Lloyd’s of London Programs tailored specifically for non-profit exposures Responsive underwriting support and knowledgeable staff Solutions for both standard and hard-to-place risks Let us help you serve your non-profit clients with confidence. Call our team today to discuss your next D&O placement. Frequently Asked Questions What types of accounts are a good fit for this Non Profit D&O program?We target 501(c)(3) organizations such as charities, religious institutions, educational nonprofits, and health or human services groups. Accounts with up to 200 employees are ideal. Is Employment Practices Liability (EPL) coverage included?Yes, our program offers a separate limit for EPL claims, and for smaller accounts, defense costs are outside the liability limit. Can this program cover individual board members or officers?Yes, individual director or officer coverage is available, and automatic spousal extension is included. Which states is this program available in?The program is available in all 50 states and the District of Columbia. What carriers support this program?We work with all major U.S. carriers and Lloyd’s of London, either through domestic or London open markets. Need help placing an account? Connect with a market specialist.