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ERISA Bonds Program from Preferred Concepts LLC Preferred Concepts LLC, through its partnership with Mercator Risk Services, offers a dedicated ERISA Bond program tailored for investment advisors and other professionals managing ERISA-regulated employee benefit plans. This program is designed to meet compliance requirements while providing agents and brokers with efficient access to a reliable market for these specialized bonds. ERISA bonds are a legal obligation for any fiduciary managing assets of an employee benefit plan—such as 401(k)s or pension plans—under the Employee Retirement Income Security Act (ERISA). Many investment advisors may be unaware of this requirement, making it a critical coverage for agents to identify and place on behalf of their clients. Ideal Accounts and Appetite This program is ideal for: Registered investment advisors (RIAs) Financial professionals managing ERISA-governed plans Fiduciaries of employee benefit or pension plans Even advisors with limited ERISA exposure may need this bond to remain compliant. Mercator Risk Services also specializes in helping with hard-to-place or distressed accounts, making this a flexible solution for a wide range of client scenarios. For example, you may have a client with a small RIA firm managing multiple 401(k) plans. They may require ERISA bonds with varying limits based on assets under management. This program can help you address those needs quickly and efficiently. Coverage Highlights and Advantages ERISA bonds written to meet federal fiduciary requirements Limits based on a percentage of plan assets, up to $500,000 per plan Simple underwriting process due to historically low exposure Competitive pricing and turnaround time Custom applications available or use of existing non-renewal applications Mercator Risk Services works closely with brokers to evaluate each client’s needs and determine the appropriate bond structure. The process is designed to be agent-friendly and time-efficient. Underwriting Notes and Minimum Premiums Underwriting is streamlined thanks to the low historical loss ratio associated with ERISA bonds. In many cases, underwriting can begin using an application you already have on file, avoiding redundancy and speeding up the process. Additional information may be requested for distressed or unusual risks. Territories and Availability This ERISA Bond program is available nationwide, including in the District of Columbia. Coverage can be placed in all 50 states: 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, WY. Why Work With Preferred Concepts LLC Preferred Concepts LLC is a trusted wholesale broker offering access to multiple carriers through Mercator Risk Services. Their expertise in specialty lines and niche programs, including ERISA Bonds, allows you to confidently place business for clients with complex or non-standard needs. Whether you're dealing with a straightforward advisor account or a distressed fiduciary risk, their team can support you with fast quotes, knowledgeable underwriting, and customized application options. For more information, call (860) 527-9717 or email [email protected]. Additional resources are available at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this ERISA Bond program?This program is ideal for registered investment advisors, fiduciaries, and other professionals managing ERISA-regulated plans such as 401(k)s or pensions. Can this program handle hard-to-place or distressed ERISA bond accounts?Yes, Mercator Risk Services specializes in difficult and unusual accounts. They can assist with underwriting and placement for distressed or high-risk clients. What is the maximum bond limit available through this program?Bond limits are based on a percentage of plan assets, with a maximum of $500,000 per qualifying plan. Do I need a special application to get started?Mercator can often start with an application you already have, or they can provide a specialized form tailored to your client's needs. Is this program available in all states?Yes, the ERISA Bond program is available in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.

Employment Practices Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a focused Employment Practices Liability Insurance (EPLI) program to help agents place coverage for clients facing the growing risk of employee-related lawsuits. As a wholesale broker with access to multiple markets, First Choice can offer flexible solutions—either stand-alone EPLI policies or endorsements to a Business Owners Policy (BOP)—depending on carrier appetite and the insured’s needs. Ideal Accounts and Appetite This program is aimed at small to mid-sized employers across a variety of industries, particularly accounts that have recently increased headcount or are adding managers and supervisors. Target classes include: Professional offices (law, accounting, consulting) Retail businesses Light manufacturing and distribution Healthcare and social service providers Hospitality and food service operations You might have a client who just expanded from a sole proprietor to a 15–50 employee shop, or a restaurant that added seasonal managers—both are ideal times to introduce EPLI protection. Coverage Highlights and Advantages EPLI under this program protects insureds against a broad range of employee-related claims, including: Sexual harassment Discrimination Wrongful termination Breach of employment contract Negligent evaluation Failure to employ or promote Wrongful discipline Deprivation of career opportunity Infliction of emotional distress Mismanagement of employee benefit plans Policies typically provide defense costs coverage even if the employer is not found liable—an important benefit since defense expenses can be substantial. Standard exclusions often include punitive damages, civil or criminal fines, and matters covered by workers’ compensation or other specific policies. Underwriting Notes and Deductibles Submit applications 30–45 days before the current policy expiration to allow for proper market placement. Deductibles normally follow the package deductible when EPLI is written as part of a package; minimums for stand-alone EPLI generally start at $1,000. Premiums are determined by business class, number of employees, prior EPLI claims, and the presence of employment practices policies (handbooks, training, investigation procedures). Premium financing is available to help insureds manage cost. High-severity loss history, ongoing employment litigation, or industries with regulatory exposure may face more limited market options or require higher retentions. Territories and Availability This EPLI program is available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Admitted coverage is available in select jurisdictions—contact First Choice for admitted/non-admitted availability by state and for any state-specific requirements. Why Work With First Choice Insurance Intermediaries, Inc.? First Choice specializes in connecting agents with multiple EPLI markets and underwriting partners, which helps you find competitive terms for a broad range of small to mid-sized employers. Their wholesale broker model focuses on fast placement, underwriting collaboration, and tailoring solutions to each client’s exposure profile. Whether your client is hiring supervisors for the first time, has a prior employment claim on file, or simply wants to reduce litigation risk, First Choice can help you secure appropriate limits, terms, and endorsements. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Small to mid-sized businesses in professional services, retail, healthcare, hospitality, and light manufacturing are strong candidates—especially when they have employees or plan to expand their workforce. Can EPLI be written as a stand-alone policy?Yes. Depending on carrier availability and the risk profile, EPLI can be placed as a stand-alone policy or issued as an endorsement to a BOP. Are legal defense costs covered even if the employer is not found liable?Yes. Policies in this program typically cover legal defense costs regardless of the outcome, which can help protect clients from sizable defense expenses on meritless or marginal claims. What information is needed to submit an application?Submit applications 30–45 days before policy expiration. Typical requirements include business details, number of employees, prior EPLI claims, copies of employment manuals or policies, and information about training and investigation procedures. Is premium financing available for this program?Yes. Premium financing is available to help insureds manage the cost of coverage. Need help placing an account? Connect with a market specialist.

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Employment Practices Liability Insurance — OnPoint Underwriting OnPoint Underwriting’s Employment Practices Liability Insurance (EPLI) program helps agents place comprehensive protection for employers facing employment-related claims. This program is offered through OnPoint as a program administrator and provides coverage for alleged discrimination, wrongful termination, sexual harassment, retaliation, and other employment practices claims brought by current, former, or prospective employees. It also includes important ancillary protections—such as third-party liability and cyber coverage for unauthorized access to employee information—that many competitors do not bundle as standard. Overview — what this program does for your clients Designed for small and mid-size employers, the program provides primary defense expense and liability protection to manage legal costs and settlements arising from employment disputes. Coverage highlights include a $1,000,000 expense/limit framework, wage-and-hour sublimits, workplace incident funding, and access to workplace resources to help reduce claim frequency and severity. Coverage highlights and advantages $1,000,000 expense coverage $100,000 sublimit for wage and hour exposures Third-party liability coverage for harassment or discrimination claims by non-employees Cyber liability for unauthorized access to employee information (limited cyber protection focused on employee data) $100,000 workplace incident fund sublimit to help with immediate incident-related costs Access to Workplace Helpline LLC resources available to all insureds to assist with HR issues and risk mitigation Placement capacity through various carriers to provide flexible admitted and non-admitted options Ideal accounts and appetite This EPLI program is a strong fit for: Small to mid-size employers across professional services, healthcare offices, technology firms, hospitality and retail operations, staffing agencies, and non-profits Employers with formal HR practices, written policies, and basic training programs Organizations seeking bundled protection that includes third-party and limited cyber exposure tied to employee data Accounts that typically do not fit are those with active class-action suits, systemic employment practice deficiencies, or extensive prior EPL claim histories without remediation. Underwriting notes and minimum premiums Underwriters will look for core submission elements: up-to-date employee handbooks and policies, payroll estimates, loss runs, and descriptions of HR procedures and training. There is no stated minimum premium for this program, but final pricing depends on class, payroll, claims history, limits, and selected deductible. Territories and admitted status Availability: All Available Markets. The program is offered in the following states and districts — 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. OnPoint can place admitted or non-admitted business as appropriate to the risk and carrier appetite. Why place this business with OnPoint Underwriting? OnPoint combines program-level limits and specific sublimits with practical risk management resources (Workplace Helpline) and access to multiple carriers, giving you flexibility at submission and stronger placement options for employers who want tailored EPL protection. Underwriters are responsive to reasonable underwriting submissions and prioritize accounts with documented HR controls and loss prevention efforts. Example scenarios You might place a 75-employee technology firm that needs EPL coverage plus protection for employee data in HR systems, or a regional restaurant group seeking wage & hour coverage and a workplace incident fund to respond quickly to an allegation. Both would benefit from the program’s bundled features and access to HR support resources. For additional information on OnPoint Underwriting's Employment Practices Liability Insurance program, please contact Leaticia Roberts @ (404) 460-1372 or [email protected] or visit our website at www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Small to mid-size employers with formal HR practices and documented policies—professional services, healthcare clinics, technology firms, retail and hospitality operations, staffing firms, and non-profits—are a good fit. OnPoint prefers accounts that show active loss prevention and training. What are the key limits and sublimits I should know about?The program provides primary expense coverage up to $1,000,000 with a $100,000 sublimit for wage-and-hour exposures and a $100,000 workplace incident fund sublimit. It also includes third-party liability and limited cyber coverage for unauthorized access to employee information. Are there minimum premium or territory restrictions?There is no stated minimum premium for the program. The program is available in all listed states and districts; OnPoint will place business admitted or non-admitted depending on carrier availability and the specific risk. What do underwriters want on submission and how quickly can I expect a decision?Provide current loss runs, payroll, employee counts, copies of employee handbooks/policies, and a summary of HR practices and training. Turnaround varies by carrier and complexity, but comprehensive submissions that address these items receive faster underwriting responses. Need help placing an account? Connect with a market specialist.

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Employment Practices Liability Program from ExecutivePerils, Inc. ExecutivePerils, Inc. offers a comprehensive Employment Practices Liability (EPL) insurance program designed to help agents and brokers place coverage for businesses facing the growing risks of employment-related claims. With access to over 35 top-rated insurance carriers, ExecutivePerils delivers flexible, non-admitted solutions tailored to the unique needs of your clients across a wide range of industries. Ideal Accounts and Target Classes This EPL program is suitable for both private and public companies, as well as non-profit organizations. Ideal insureds include mid-sized to large employers that may be exposed to claims involving: Wrongful termination Discrimination (age, race, gender, etc.) Workplace harassment (including sexual harassment) Retaliation claims Wrongful discipline or failure to promote You might have a client in the healthcare, hospitality, retail, or technology sector that has recently expanded and is concerned about employment practices compliance. This program can help you offer them robust protection in a tightening legal environment. Coverage Highlights and Advantages No Intentional Acts Exclusion – broader protection for insureds facing claims where intent is disputed. Expanded definition of a “Wrongful Employment Act” – increased clarity and scope of covered events. Policy is non-cancelable except for non-payment of premium – stability for long-term planning. Extension of coverage to the lawful spouse of the insured – supports broader protection for key individuals. Named Peril coverage for employment claims arising from company internet and email usage – addresses modern digital exposures. ExecutivePerils’ form flexibility and broad definitions make this program well-suited for clients with a complex employment structure or multi-state operations. Underwriting Notes and Minimum Premiums Each submission is underwritten individually, with attention to the client’s size, risk profile, and past claims history. While there is no stated minimum premium, submissions should reflect meaningful EPL exposures to be considered. ExecutivePerils works with brokers to craft customized solutions based on risk appetite and market conditions. Territories and Availability This program is available in all 50 states and the District of Columbia, including key markets like California, New York, Florida, and Texas. As a non-admitted offering, it provides flexibility in coverages and pricing strategies not always available in admitted markets. Why Work with ExecutivePerils, Inc.? ExecutivePerils is a trusted resource for professional and executive liability placements. Their deep underwriting expertise, market access to over 35 carriers, and focus on client-specific solutions make them an ideal partner for agents and brokers navigating the complex landscape of EPLI. Whether your client is responding to a recent incident or proactively managing future risk, ExecutivePerils provides the tools and marketplace relationships to help you deliver tailored EPL coverage with confidence. Frequently Asked Questions What types of accounts are a good fit for this Employment Practices Liability program?This program is ideal for mid-sized to large private companies, non-profits, and select public entities with employment exposures, especially those in healthcare, hospitality, retail, and technology sectors. Is this EPL coverage admitted or non-admitted?This is a non-admitted program, allowing for greater flexibility in coverage terms and underwriting. Do you require a minimum premium for submissions?There is no fixed minimum premium, but accounts should represent meaningful EPL exposure to be considered. Each risk is individually underwritten. What are some unique features of this EPL policy?Key features include no intentional acts exclusion, an expanded definition of wrongful employment acts, and coverage for internet and email-related employment claims. In which states is this program available?This program is available in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.

Veracity Insurance Solutions, LLC offers a Commercial Property Insurance program that helps agents and brokers place a broad range of property and inland marine risks. As a Managing General Agency and Excess & Surplus Lines Broker, Veracity leverages relationships with multiple top-rated carriers—including Great American, Seneca, Alliance, and National Farmers—to deliver flexible solutions tailored to each client’s property exposures. Ideal Accounts and Target Industries Veracity’s Commercial Property program fits many industries and property types. Primary target classes include: Condominiums and multi-unit residential buildings Healthcare facilities, including medical offices and clinics Contractors with equipment and material storage needs Manufacturing operations with complex property exposures Wholesale distributors with significant inventory and warehouse space You might have a client who operates a light manufacturing plant with warehouse storage, or a contractor that needs protection for high-value equipment and job-site materials—both are good fits for this program. Coverage Highlights and Advantages Veracity can provide first-party property and inland marine coverage for a wide range of exposures, including: Commercial buildings (owned or leased) Contractors’ equipment and tools Personal property and contents Builder’s risk for ground-up construction or renovations Motor truck cargo for goods in transit Business income and extra expense Program advantages include: Competitive low minimum premiums (varies by risk) Access to both admitted and non-admitted paper Consideration of coastal locations (wind coverage typically excluded) Underwriting Approach and Minimum Premiums Underwriting is handled with speed and flexibility. Veracity evaluates submissions on an individual basis, matching each account to the carrier appetite and coverage form that best fits the exposure. Minimum premiums vary by location, size, and complexity of the risk; discuss specifics with a Veracity underwriter or market specialist when submitting. Territorial Availability This program is available in all U.S. states, including Washington, D.C. Veracity’s broad state footprint makes it easier to place multi-state or specialist risks—even in tougher coastal and coastal-adjacent markets where wind coverage is limited. Why Work With Veracity Insurance Solutions? Veracity combines deep property market access with responsive underwriting and placement support. As an MGA and E&S broker, they offer options across admitted and surplus lines carriers to help you close accounts that might be hard to place elsewhere. Their experience placing builders risk, inland marine, commercial real estate, and contractor equipment business gives agents practical tools to address complex property exposures. For coverage related to the distribution or manufacturing of a product, please visit our Product Liability storefront or webpage. Frequently Asked Questions What types of accounts are a good fit for this Commercial Property program?This program is well suited for condominiums, contractors, manufacturers, healthcare facilities, and wholesale distributors with property or inland marine exposures. Are coastal properties eligible for coverage?Yes—coastal properties are eligible for consideration. Wind coverage is generally excluded, and submissions are evaluated based on specific location and risk factors. Which carriers does Veracity work with for this program?Veracity partners with multiple top-rated carriers, including Great American, Seneca, Alliance, and National Farmers, to provide tailored solutions across admitted and non-admitted paper. Is this program available in all states?Yes, the program is available in all 50 states and Washington, D.C. What is the minimum premium for coverage?Minimum premiums vary depending on the risk, location, and coverage requested; Veracity structures pricing to accommodate a range of account sizes. Need help placing an account? Connect with a market specialist.

The healthcare industry faces distinct workers’ compensation challenges: high-frequency patient handling injuries, regulatory shifts, and varied staffing models (traveling, temporary, home-based). U.S. Risk Insurance Group, Inc. offers a focused Healthcare Services Workers Compensation Insurance program through its UPA division that helps agents place healthcare-related accounts with precision. Our program combines specialized underwriting, A-rated carrier access, and nationwide admitted markets where available to deliver tailored solutions for healthcare risks. Target Customers Home healthcare providers Temporary medical staffing agencies Physician, dentist, and clerical staff Hospitals (including professional and non-professional employees) Public, home-based, and traveling healthcare workers Retirement and assisted living centers* Convalescent or nursing homes* *Accounts in the nursing home and assisted living sector must have premiums exceeding $75,000 and will be evaluated individually by our underwriting team. Program Highlights Monoline workers’ compensation coverage tailored specifically for healthcare operations and exposures Access to A-rated carriers and national admitted markets through our underwriting relationships Comprehensive loss control resources, including: Safety manuals, operational checklists, and practical injury-prevention tips Efficient claims handling designed to control costs and support timely return to work Underwriting Guidelines Minimum manual unmodified premium: $3,000 Experience modification factor typically considered between 0.65 and 1.49 Territories This program is offered across all states where workers’ compensation applies. U.S. Risk places business through admitted carriers where available, with broad capacity in states including TX, CA, FL, NY, IL, and GA. Why Work with U.S. Risk? U.S. Risk Insurance Group is a Managing General Agency with deep, healthcare-specific underwriting expertise through its UPA division. We understand the operational differences between a traveling nurse service, a home health agency, and a hospital system, and we tailor quotes and loss-control recommendations accordingly. Agents benefit from responsive underwriting, flexible placement options, and access to specialty admitted markets. Example placements you can pursue through this program: A regional temporary medical staffing firm with mixed clinical and non-clinical employees seeking a single workers’ compensation policy across multiple states. A physician practice expanding into home health visits that needs coverage for traveling clinicians and home-based services. If you have a healthcare account that needs specialized underwriting or access to admitted carriers nationwide, U.S. Risk’s Healthcare Services Workers Compensation program is structured to help you place that business efficiently. Use our underwriting team to review complex exposures or large accounts, especially in the nursing home and assisted living sectors. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for a broad range of healthcare providers, including home health agencies, temporary medical staffing firms, hospitals, and retirement or assisted living facilities. Are there any minimum premium requirements?Yes. Accounts must have a manual unmodified premium of at least $3,000. For nursing homes and assisted living facilities, the minimum premium is $75,000 and those submissions are evaluated on an individual basis. Which states is this program available in?This workers’ compensation program is available in most U.S. states, including TX, CA, FL, NY, and others. U.S. Risk places coverage through admitted markets where applicable. What support do clients receive for loss control?Clients have access to loss control materials such as safety manuals, checklists, and prevention tips to help reduce workplace injuries and manage risk proactively. Who underwrites the program?The program is underwritten by a specialized team in U.S. Risk’s UPA division, which focuses exclusively on healthcare-related risks. Need help placing an account? Connect with a market specialist.