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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.

Comprehensive Property Coverage Solutions from MAXIMUM MAXIMUM provides a flexible, market-driven Property program for agents and brokers placing standard and hard-to-place commercial property risks. Through access to more than 40 competitive E&S and standard markets and over $95MM in total property premiums placed, MAXIMUM delivers layered capacity and creative policy options for high-value, complex and CAT-exposed accounts. Ideal Accounts and Appetite This program fits accounts that need specialized underwriting, broad capacity, or non-standard forms. Typical classes include: All-Risk — Unique Classes Airports Large municipal schedules School boards Food processing facilities Water service districts Metalworking operations Manufacturing Risks Plastic injection molding Sheet metal fabrication Woodworking shops Paper and cardboard manufacturing Older, unprotected construction with high PML or non-sprinklered buildings Large Real Estate and Apartment Schedules Apartment complexes Office buildings Vacant commercial properties Hospitality Risks Restaurants and hotel groups — including single-location operations Capacity up to and exceeding $250MM for CAT-exposed portfolios Coverage Highlights and Advantages MAXIMUM’s Property program is designed to handle high-value and CAT-exposed risks. Key options include: CAT Perils / Difference in Conditions (DIC) Earthquake and flood coverage available nationwide Targeted CAT capacity for high-exposure areas such as California, the New Madrid zone, and the Western U.S. Over $250MM of combined earthquake capacity available within PML structures DIC forms available for apartments, offices, studios, and manufacturing facilities Flood provided on DIC forms in Zones A/V, excess of NFIP Coastal Windstorm Coverage Available on All-Risk or DIC basis Offered standalone or as part of a larger schedule Deductible buy-down options Suitable for apartments, condos, hotels, and industrial buildings Underwriting Notes and Market Access MAXIMUM operates exclusively through retail agents and brokers and places this program on a non-admitted basis to preserve flexibility in forms and capacity. You gain strategic access to 40+ top-tier carriers across E&S and standard markets, enabling layered placements and tailored terms for complex risks. Minimum premiums vary by risk size, location, and exposures; MAXIMUM focuses on accounts that benefit from customized underwriting and multi-carrier capacity. Territories and Availability The program is available to licensed agents and brokers in all 50 states, including high-hazard CAT zones and urban centers. Whether you’re placing a property schedule in California, a manufacturing risk in the Midwest, or a hospitality portfolio in the Southeast, MAXIMUM can help secure appropriate markets and capacity. Why Work With MAXIMUM? As a wholesale broker with deep property expertise, MAXIMUM offers responsive underwriting, broad market access, and practical placement strategies for tough risks. The program is built for agents who need solutions for unusual classes, high PMLs, vacant or older buildings, and multi-location schedules. Example scenarios where MAXIMUM is a good fit: You have a client with a large apartment schedule that includes vacant units and buildings without full sprinkler protection — MAXIMUM can coordinate layered capacity and DIC options to address coverage gaps. You’re placing a food processing plant or metal fabrication shop with elevated PML exposure — MAXIMUM can source specialized terms and earthquake/flood capacity to complete a placement. To place business, connect with MAXIMUM’s market specialists and leverage their carrier relationships and underwriting experience to find solutions for complex property needs. Frequently Asked Questions What types of accounts are a good fit for this program?Large, complex, or hard-to-place property risks — for example, manufacturing facilities, apartment schedules, municipal portfolios, and buildings in CAT zones. Is coverage available for properties in high-risk CAT zones?Yes. MAXIMUM offers earthquake, flood, and windstorm coverage, including targeted CAT capacity for areas such as California and the New Madrid zone. Can you write vacant or unprotected buildings?Yes. The program has appetite for vacant properties and older, unprotected construction, particularly when the account needs layered capacity or DIC solutions. Are these policies written on an admitted basis?No. Placements are non-admitted to provide greater flexibility in forms, underwriting, and layered capacity strategies. Which states is this program available in?This property program is available nationwide — all 50 states — including high-hazard CAT zones and major urban centers. 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.

Program Overview — Amwins Underwriting: Home Health Care & Medical Equipment Suppliers Amwins Program Underwriters offers a tailored program to place property and casualty coverage for home health care agencies, hospice providers, and medical equipment suppliers. With more than 40 years of specialty experience, Amwins combines deep market relationships and focused underwriting to provide broad, practical coverage for this niche. For program details see the carrier product page: property and casualty coverage needs of home health care agencies and hospice and medical equipment suppliers. States / Paper Admitted in all states except NY Available via surplus lines in Miami-Dade and Broward Counties (FL) *DME/ HME providers and distributors are only written on a non-admitted basis. Target Accounts & Appetite This program is designed for agents placing a broad range of home health and medical equipment accounts. Ideal classes include: Home Health Care Agencies / Providers Visiting Nurse Associations (VNA's) Home Infusion Providers Hospice Providers Companion Care Providers Home Medical Equipment Suppliers (with and without retail operations) Unskilled / ADL Providers DME / HME providers to homes and other facilities (Non-Invasive Equipment) Infusion Suites Drug Distributors Equipment Distributors Small Staffing Providers (under $50K in premium, not eligible in AZ, FL, IL, or NM) Accounts with standard patient-facing operations, non-invasive equipment distribution, or limited retail exposure typically fit. Higher-risk exposures (invasive medical procedures, large-scale national distributors with complex supply chains, or facilities with significant owned auto fleets) may be outside the appetite — discuss unique or larger risks with underwriting before submission. Coverage Highlights Professional Liability General Liability (Occurrence and Claims Made options in most states) Employee Benefits Liability (when PL & GL is written) Package policy includes coverage for I.C.’s while working within scope of duties for Named Insured Bodily Injury definition includes mental anguish and mental injury on the CGL Non-Owned & Hired Auto (Owned/Commercial Auto not eligible) Crime or Fidelity Bond (admitted) Sexual Abuse is included within the definition of “Professional Services Wrongful Act” in the policy form Defense costs are generally outside the policy limits on package policy Property (admitted) Excess / Umbrella (when PL & GL is written) Worldwide Coverage (claim must be filed in U.S.) Carriers & Paper The program places paper with A.M. Best "A" rated capacity and additional markets depending on class and state. Representative carriers and paper include: Ironshore Insurance Services (a Liberty Mutual Company) Bond — National Union Fire Insurance (an AIG Company) Property — admitted paper with Liberty Mutual Underwriting Notes DME/HME providers and distributors are handled on a non-admitted basis only. Owned commercial auto is not eligible; Non-owned & hired auto is offered. Sexual abuse exposures are addressed within the professional services wrongful act definition — review operations and screening practices on submission. Defense costs are typically outside the limits on package placements — review policy language for each quote. Minimum premiums and program terms vary by class and state. Please submit ACORD applications, loss runs, and a summary of operations to underwriting to obtain specific pricing and binding guidelines. Territories and Availability This program is available in most states. Availability and admitted vs. non-admitted placement vary by class and state—examples of territories where the program writes business include: 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 Why Work With Amwins Underwriting on This Business Specialized underwriting with decades of placement experience in the home health and medical equipment niche. Broad package options that combine professional and general liability with property, crime, and excess when appropriate. Access to admitted and surplus markets to help you place accounts that need admitted paper or surplus flexibility. Practical coverage features for patient care exposures (mental anguish inclusion, IC coverage within scope, worldwide coverage with U.S. claims filing). Example scenario: You may have a regional home infusion provider with limited retail operations seeking combined GL/PL with crime and property — this program can provide admitted or surplus options depending on state and exposures. Another fit would be a small home medical equipment supplier selling non-invasive devices with retail pickup — eligible for package placement on admitted or non-admitted paper per underwriting. Frequently Asked Questions What types of accounts are a good fit for this program?Typical fits include home health agencies, hospice providers, visiting nurse associations, home infusion providers, companion care, and home medical equipment suppliers that distribute non-invasive devices. Small staffing providers under the premium threshold may also qualify (see underwriting restrictions by state). How are DME/HME providers treated?DME/HME providers and equipment distributors are generally written on a non-admitted basis only. Retail operations are considered, but admitted vs. surplus placement depends on class, state, and risk characteristics. Is owned commercial auto eligible?No — owned or commercial auto is not eligible with this program. Non-owned and hired auto can be included as part of the package where appropriate. Which states are available and does availability differ by product?The program writes in most states; admitted vs. non-admitted availability varies by class and state. Certain counties in Florida and other state restrictions may apply. Confirm availability with underwriting for each specific submission. What submission materials does underwriting want?Provide a completed ACORD application, recent loss runs, and a concise operations summary describing services, staff levels, retail presence, and any contracting or credentialing processes. Underwriters may request additional documentation for higher exposures. Need help placing an account? Connect with a market specialist.

Do all your clients understand they are at risk? Employment Practices Liability Insurance protects from claims brought against a business, its officers and directors, or its employees and managers relating to your clients workforce – wrongful termination, sexual harassment, discrimination, failure to employ or promote and wage and hour law violations. Do your clients know? E Every employer, large or small, is a target for legal action. P Pricing of EPL coverage is now very competitive. L Loss prevention is important – many EPL carriers offer loss prevention programs. R Right or wrong, defending a claim (even if it’s groundless or fraudulent) can be expensive. I Inclusion of coverage for employment related claims in other policies is not likely. S Severity and the number of claims are increasing. K Knowledge of the risk is important, but coverage for the risk is imperative! AP Advantage provides Employment Practices Liability Insurance coverage for all types and size of accounts. We represent over twenty five carriers who write this coverage. Expertise in this area is important to find the best options for your clients. Use our wholesale expertise to your Advantage!

The Herbert H. Landy Insurance Agency, Inc. offers a comprehensive Miscellaneous Professional Liability (MPL) program designed to help insurance agents and brokers secure the right coverage for a wide range of professional service providers. Whether your client is a management consultant, IT professional, or claims adjuster, Landy provides flexible solutions to help protect against claims of negligence, errors, or omissions in the performance of their professional duties. Overview of the Program From The Herbert H. Landy Insurance Agency With decades of experience in professional liability, The Landy Agency specializes in placing E&O and professional liability coverage for hard-to-place and emerging professional classes. This MPL program offers both admitted and non-admitted markets, giving you the flexibility to find the right fit for your client’s needs—whether they are a startup or an established firm. The program is available in most states and is backed by a broad underwriting appetite and responsive service team. Ideal Accounts and Appetite This program is designed for a wide variety of professional services, including but not limited to: Management Consultants Employment Agencies, Recruiters, and Temporary Staffing Firms Data Processing Companies Claims Adjusters Travel Agencies Collection Agencies Architects and Engineers IT Consultants Home Inspectors Title Agents and Mortgage Brokers For-Profit and Non-Profit Directors & Officers (D&O) You might have a client who is launching a new consulting agency or a seasoned IT firm expanding its services—Landy can help you find a market for both. Coverage Highlights and Advantages The Miscellaneous Professional Liability program offers customizable coverage options tailored to your insured’s operations. Key features include: Access to Numerous Admitted & Non-Admitted Markets Coverage for a Broad Array of Professional Classes Cybercrime and Crime Coverage Available for All Classes Experienced Underwriting Support and Fast Quote Turnaround Underwriting Notes and Minimum Premiums Submissions are accepted for nearly all industry classes and business types. The program is flexible enough to accommodate new ventures, independent contractors, and established firms. While minimum premiums may vary depending on the class and risk profile, Landy works to find cost-effective solutions tailored to each account. Territories and Availability The Miscellaneous Professional Liability program is available in most U.S. states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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. With both admitted and non-admitted options, you have flexibility in coverage placement depending on your client’s state and risk profile. Why Work With The Herbert H. Landy Insurance Agency For over 70 years, The Herbert H. Landy Insurance Agency has been a trusted name in professional liability coverage. Agents and brokers turn to Landy for its deep market knowledge, strong carrier relationships, and commitment to service. Whether you're placing a standard account or navigating a complex risk, Landy's responsive team supports you every step of the way—from submission to policy issuance. To learn more or to submit a risk, visit the Herbert H. Landy Insurance Agency profile or go directly to the Miscellaneous Professional Liability storefront. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for a wide range of professional service providers, including consultants, IT firms, claims adjusters, title agents, and more. New ventures and established businesses are both welcome. Are both admitted and non-admitted markets available?Yes, The Landy Agency offers access to both admitted and non-admitted carriers, allowing for flexible placement depending on the risk profile and state. Can I submit accounts outside of the listed target classes?Yes, submissions are accepted for nearly all industries and classes of business. The underwriting team will review and determine eligibility on a case-by-case basis. Is cyber coverage available through this program?Yes, cybercrime and crime coverage options are available for all classes under this program. What states is this program available in?The program is offered in most U.S. states, including CA, NY, FL, TX, and many others. Please refer to the full list above for specific state availability. Need help placing an account? Connect with a market specialist.