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Mortgage Brokers / Bankers Preferred Concept...t typically fit include independent mortgage brokers and mortgage bankers involved in origination, closing,...

...erages for banks, credit unions, mortgage bankers, insurance companies, and other financial institutions, the Mortgage Impairment program from Russell Bond...onwide?Yes. Russell Bond offers the Mortgage Impairment program in all 50 stat...

... insurers, credit unions, banks, mortgage bankers, loan servicers and other le...-year policies available?Yes. Russell Bond offers 3-year policy terms where ap...

... Dealers Lost Securities Mortgage Brokers Tax-related Bonds Ge...unts include motor vehicle dealers, mortgage brokers, businesses needing lost securities bonds, and clients requiring tax or general license compliance bonds. Can J.M. Wilson help with hard-to-place or declined bond applications?Yes, we specialize in ...

...surance Agents & Brokers Mortgage Bankers / Brokers Escrow Compani...ch as insurance agents and brokers, mortgage brokers, escrow and title compani...

Claims Made Defense Costs Duty to Defend Broad Definition of Professional Services 2 Way Optional Extended Reporting Period Full Prior Acts Coverage Available Overview of the Miscellaneous E&O Program from ExecutivePerils, Inc. ExecutivePerils, Inc. offers a flexible Miscellaneous Errors & Omissions (E&O) program designed for agents and brokers placing non-standard professional liability risks. Through multiple ExecutivePerils-appointed carriers, this non-admitted program provides tailored E&O solutions for professionals and firms that fall outside traditional disciplines such as law, accounting, or medicine. Ideal Accounts and Appetite This program is aimed at niche and emerging professional service firms where advisory mistakes, omissions, or negligent acts could lead to financial loss. Typical classes we place include consultants, marketing and creative firms, event planners, forensic experts, staffing organizations, and specialty advisors. ExecutivePerils will consider many hybrid or non-traditional service models that generalist E&O markets decline. Example accounts you might submit: A technology consultant providing regulatory compliance guidance to early-stage startups. A staffing agency that places temporary professionals into finance or healthcare roles and needs protection for placement advice. Coverage Highlights and Advantages Key program features give you market flexibility and meaningful protection for policyholders: Claims-Made form with flexible retroactive date options. Defense Costs included and a Duty to Defend where available from appointed carriers. Broad definition of professional services to capture a wide range of advisory, consulting, and technical activities. 2-Way Optional Extended Reporting Period to cover reporting gaps when a policy ends. Full prior acts coverage available for qualified risks subject to underwriting review. These features let you place accounts with confidence that the policy form will respond to common professional exposure areas beyond standard markets. Underwriting Notes and Submission Requirements Underwriting focuses on a clear understanding of the insured’s services, client types, revenue mix, and risk controls. Typical submission items include a completed application, a description of services and fee structure, and prior claims history. Underwriting may request contracts, sample engagement letters, or risk management procedures for complex or higher-limit submissions. Because this program is non-admitted, terms and minimum premiums vary by carrier and class. ExecutivePerils works with you to structure competitive terms through its appointed markets; discuss specific minimums and available limits during quote requests. Territories and Availability The Miscellaneous E&O program is available in most U.S. states, 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, DC, WV, WI, and WY. Coverage is issued on a non-admitted basis through various ExecutivePerils-appointed carriers, offering broader flexibility on terms and endorsements than many admitted markets. Why Work With ExecutivePerils, Inc.? ExecutivePerils specializes in professional and management liability lines and focuses on hard-to-place or non-standard E&O risks. Their underwriting expertise, carrier access, and responsive service help agents secure tailored coverage for unique exposures. If you need a market that evaluates the specifics of a client’s services rather than relying on rigid class rules, ExecutivePerils can help you find practical solutions. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous E&O program?This program fits consultants, niche service providers, and hybrid businesses offering professional advice or technical services that don’t fall under standard legal, medical, or accounting E&O forms. Is this program available nationwide?Yes. The program is available in most U.S. states; policies are placed on a non-admitted basis through ExecutivePerils-appointed carriers. Does the program offer full prior acts coverage?Yes. Full prior acts coverage can be offered for qualified accounts subject to underwriting review and prior-acts eligibility. How broad is the definition of professional services under this policy?The program uses a broad professional services definition to accommodate a wide range of advisory and consulting activities, helping avoid unintentional gaps for non-traditional operations. What documents are typically required for a submission?Submit a completed application, a description of services and client types, revenue information, and any prior claims or incidents. Additional documentation may be requested for higher exposures. Need help placing an account? Connect with a market specialist.

...g agents Licensed appraisers Mortgage brokers and bankers Home inspector...anagers, escrow agents, appraisers, mortgage brokers, home inspectors, surveyo...

Comprehensive E-Professionals Coverage from Preferred Concepts LLC Preferred Concepts LLC, through Mercator Risk Services, offers tailored professional liability coverage for a broad range of e-professionals. As the digital economy expands, many traditional policies fall short when it comes to internet-related exposures. Mercator addresses this gap by offering custom solutions that combine professional liability and cyber risk coverage—ideal for professionals whose work intersects with technology and digital communications. Ideal Accounts and Appetite This program is designed for e-professionals who may not fit neatly into traditional professional liability categories. Target classes include, but are not limited to: Web developers and designers IT consultants and tech service providers Digital marketing agencies Software developers and SaaS providers eCommerce consultants You might have a client whose current E&O policy excludes internet-related exposures or whose cyber policy doesn't adequately cover their professional services. This program is built to close those gaps. Coverage Highlights and Advantages Mercator’s specialized e-professionals liability solution is broader than traditional professional or miscellaneous liability policies. Key features may include protection against: Unauthorized access and data breaches Introduction of malware or viruses Online libel, slander, and defamation Copyright and intellectual property infringement Unlike many standard policies, this solution is structured to account for both cyber risks and the professional services that trigger E&O exposures. Whether your client is starting up or scaling fast, this program can adapt to fit their unique needs. Underwriting Notes and Submission Process Mercator Risk Services can typically begin the submission process using an existing application (excluding renewal forms), or they can provide a specialized application tailored to your client’s operations. They also handle distressed or hard-to-place accounts, including those with prior claims or financial challenges. There is no listed minimum premium, and pricing varies based on the nature and scope of services provided. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. It is written on a non-admitted basis through various carriers, providing flexibility in underwriting terms and coverage customization. Why Work With Preferred Concepts LLC? Preferred Concepts LLC, through its partnership with Mercator Risk Services, brings niche underwriting expertise and access to specialty markets for e-professionals. Their team understands the complexity of combining cyber and professional liability in one streamlined solution. You’ll benefit from responsive service, flexible applications, and market access that helps place even your most unconventional accounts. For more details, visit their company profile or check out the e-Professionals program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for e-professionals such as IT consultants, web developers, digital marketers, and SaaS providers who need combined E&O and cyber risk coverage. Can the program accommodate clients with prior claims?Yes. Mercator Risk Services can consider distressed or hard-to-place accounts, including those with prior claims or financial issues. Is this coverage available in all states?Yes, the program is available in all 50 states and Washington, D.C., on a non-admitted basis through various carriers. What types of exposures are typically covered?Coverage may include unauthorized access, malware introduction, online libel or defamation, and copyright infringement related to professional services. How do I submit an application?You can submit using an existing application (excluding renewal forms), or request a specialized application from Mercator Risk Services. Need help placing an account? Connect with a market specialist.