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Consultants Professional Liability Program from Preferred Concepts LLC Preferred Concepts LLC, through its partnership with Mercator Risk Services, offers a specialized Professional Liability program tailored for consultants and consulting firms. Whether your client is a solo consultant or a larger firm with a niche specialty, this program is designed to provide flexible, comprehensive coverage—even for harder-to-place accounts. Ideal Accounts and Target Consulting Classes This program accommodates a broad range of consulting disciplines, including both traditional and non-traditional areas. Common types of consultants eligible for coverage include: Management Consultants Marketing Consultants Computer/Systems Consultants Environmental Consultants Safety Consultants Medical Consultants Engineering Consultants Mercator Risk Services has also successfully placed coverage for more unusual or niche consulting operations, including: Wine Consultants Avalanche Control Consultants Sports Marketing Consultants Nuclear Power Plant Consultants Zoo Consultants Playground Consultants If your client provides specialized advice or services in a unique industry, this program could be a great fit—even if they’ve been declined elsewhere. Coverage Highlights and Advantages This Professional Liability program is built to address the specific risks consultants face, such as claims arising from alleged errors, omissions, or negligence in their professional services. Key features include: Flexible limits and deductible options Access to multiple carriers for competitive placement Coverage available for both individual consultants and multi-person firms Solutions for new ventures and established businesses Coverage is offered on a non-admitted basis, allowing for customized solutions that might not be available in the admitted market. Underwriting Approach and Submission Tips Mercator Risk Services is known for its ability to underwrite challenging or distressed accounts. If you have a consultant client with prior claims, unusual exposures, or a unique business model, this program can still be a viable option. Submissions should include a completed application and full details of services offered, claims history, and risk controls in place. Territories and Availability This program is available in all 50 states and the District of Columbia, 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, WV, WI, and WY. Why Work with Preferred Concepts LLC Preferred Concepts LLC, through Mercator Risk Services, brings deep expertise in professional liability for consultants. They’ve built a reputation for delivering responsive service and creative underwriting solutions. With access to a variety of carriers, they can tailor coverage to fit both standard and unusual consulting risks. Whether you're working with a traditional management consultant or a one-of-a-kind specialty adviser, this program can help you deliver the right protection for your client. For more information, please call (860) 527-9717 or send an email to [email protected]. Additional resources, including applications and product information, are available at www.mercatorpro.com. Frequently Asked Questions What types of consultant accounts are eligible for this program?The program covers a wide range of consulting fields, including management, marketing, IT, environmental, and even niche specialties like wine or zoo consultants. Can I submit accounts that have prior claims or are hard to place?Yes, Mercator Risk Services specializes in hard-to-place and distressed risks. They welcome submissions for accounts that may not qualify elsewhere. What states is this program available in?The program is available in all 50 states and the District of Columbia. Is this coverage admitted or non-admitted?This is a non-admitted program, allowing for greater flexibility in crafting coverage for unique or complex risks. What information is needed to get a quote?Submit a completed application along with service descriptions, loss history, and any relevant risk management details to begin the quoting process. Need help placing an account? Connect with a market specialist.

Surplus Line Managers, Inc. is New England’s premier Managing General Agency (MGA) focused on excess, surplus, and specialty insurance programs. With deep regional roots and decades of underwriting experience, we help independent agents and brokers place difficult or unusual risks that fall outside the standard market. Whether you need coverage for hard-to-place commercial accounts or niche classes, our underwriting team delivers practical, market-driven solutions. As a Certified Managing General Agency (CMGA), we are licensed, insured, and capitalized to serve agents throughout the six New England states. We are active members of the American Association of Managing General Agents (AAMGA) and the National Association of Professional Surplus Lines Offices (NAPSLO), underscoring our commitment to professionalism, compliance, and broad market access. Ideal Accounts and Appetite Our program targets risks that are unconventional, high-hazard, or underserved by standard carriers. We underwrite a wide range of industries and classes, including: Contractors and artisan trades (including renovation and specialty contracting) Special events, entertainment, and festivals Vacant buildings and properties undergoing renovation Bars, taverns, restaurants, and other hospitality risks Light to mid-sized manufacturing and distribution operations Professional liability for niche service providers and consultants If a client has been declined or non-renewed by the standard market, our program is designed to be one of the first E&S options you try. Coverage Highlights and Advantages Surplus Line Managers places business with a number of top-tier excess and surplus carriers, giving you access to flexible policy terms and creative underwriting solutions. Depending on the risk and the state, we can pursue both admitted and non-admitted options to find the best combination of coverage and cost. General liability and property coverage for non-standard and high-exposure accounts Excess liability and umbrella layers Professional and miscellaneous errors & omissions (E&O) for specialty providers Liquor liability and special event liability Every submission is reviewed by an experienced underwriter who understands E&S placement nuances in New England and can structure terms that address real exposures while keeping you competitive. Underwriting Notes and Minimum Premiums We evaluate each account on its individual merits with disciplined underwriting and prompt decision-making. Minimum premiums vary by class and carrier; we review accounts of varied sizes and will often consider creative structures for strong risks. Provide complete loss history and clear descriptions of operations to expedite quoting and placement. Territories and Availability We serve licensed agents and brokers across all six New England states: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Our local regulatory experience helps ensure appropriate documentation and compliant placements in each state. Why Work With Surplus Line Managers, Inc.? Partnering with Surplus Line Managers gives you a team that knows the New England insurance landscape and how to place problem risks efficiently. Our strengths include deep regional underwriting expertise, strong carrier relationships in the E&S market, and a hands-on approach to finding practical solutions. We act as an extension of your agency—helping you retain business that would otherwise be hard to place. Example fits you might present: a general contractor with renovation work and prior claims that needs tailored GL and excess limits; a popular local bar with special-event exposures seeking liquor liability and property coverage; or a small manufacturer with unique products that standard carriers decline. Call us today to learn how we can help with your next challenging placement. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in hard-to-place risks such as contractors, vacant properties, special events, and hospitality-related businesses that may not qualify for standard coverage. Which states can I access this program in?This program is available to licensed agents and brokers in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Do you offer both admitted and non-admitted options?Yes. Depending on the risk and state, we have access to both admitted and non-admitted markets through our carrier partners. Is there a minimum premium requirement?Minimums vary by class and carrier, but we review accounts of all sizes and aim to be flexible for well-documented risks. How quickly can I get a quote?Turnaround depends on complexity and completeness of submission materials. Provide current loss runs and detailed operation descriptions for faster responses; our underwriting team prioritizes timely feedback. Need help placing an account? Connect with a market specialist.

International Brokerage & Surplus Lines, Inc. (IBSL) offers a flexible and comprehensive Internet Liability and Cyber Risk Program designed to meet the evolving digital exposures faced by businesses and technology professionals. With cyber threats on the rise and traditional insurance policies often lacking adequate protection, this program provides tailored solutions to safeguard your clients against internet and technology-related liabilities. Overview of the Program From IBSL IBSL’s cyber risk program is built around three proprietary product lines—SafeBusiness™, SafeLiability+™, and SafeEnterprise™—each structured to address the specific needs of different business types. Whether your client is a small business using email and storing data, a technology consultant selling software and hardware, or a large-scale eCommerce platform, IBSL can help you find the right fit. Ideal Accounts and Appetite This program is well-suited for a wide range of commercial insureds, including but not limited to: SafeBusiness™: Any business—regardless of size—that uses email, maintains a website, or stores customer data electronically. Ideal for retail stores, service providers, and professional offices. SafeLiability+™: Technology consultants, IT professionals, and value-added resellers who offer professional services alongside selling hardware/software. SafeEnterprise™: Companies engaged in software development, data processing, application hosting, web publishing, eCommerce, and payment processing. Also includes businesses offering professional services via the Internet. You might have a client who owns a regional eCommerce site storing customer payment data, or a tech consultant who develops apps and installs software for clients—both are excellent fits for this program. Coverage Highlights and Advantages Protection against data breaches, privacy violations, and network security failures Media liability coverage for online content and communications Technology Errors & Omissions (E&O) tailored to digital service providers Coverage designed to fill the gaps left by traditional general liability and property policies Each product is underwritten with the needs of modern businesses in mind, offering modular coverage options that can be scaled to match your client’s risk profile and operational complexity. Underwriting Notes and Minimum Premiums IBSL can assist with accounts of all sizes, from small operations to large technology firms. Coverage is written on a non-admitted basis through top-rated carriers including Lloyd's and ACE. Please contact IBSL for underwriting guidelines and specific pricing details. Territories and Availability The Internet Liability and Cyber Risk Program is available in most U.S. states, including CA, FL, TX, NY, IL, and others. IBSL serves agents and brokers across the country, offering broad access to this specialized program. Why Work With IBSL on Cyber Risk Business IBSL brings deep expertise in hard-to-place risks and specialty commercial coverages. Their proprietary product structures and access to strong markets allow agents to confidently place business that may not fit standard cyber or tech E&O offerings. With responsive service and a solution-oriented mindset, IBSL is a valuable partner for agents seeking to protect their clients in the digital age. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits a wide range of businesses including retailers, service firms, IT consultants, software developers, eCommerce sites, and payment processors. Is the program available nationwide?The program is available in most U.S. states, including CA, TX, NY, FL, and many others. Contact IBSL to confirm availability in your client’s state. What carriers are used for this program?Policies are placed through top-rated non-admitted markets including Lloyd’s and ACE. Are there different coverage options depending on the type of business?Yes. IBSL offers three tailored options—SafeBusiness™, SafeLiability+™, and SafeEnterprise™—to match the coverage needs of different business types and technology exposures. What makes IBSL a strong partner for cyber risk placements?IBSL offers proprietary products, underwriting expertise, and access to strong surplus lines markets, making them an excellent resource for agents handling complex or tech-driven accounts. Need help placing an account? Connect with a market specialist.

Your client just called to say he was served with a summons: his most important customer is suing after an employee of the insured transmitted a virus by email. Because the customer operates a paperless environment, the virus shut down their operations. The customer then inadvertently transmitted the virus to one of their clients and that company’s operations were also disrupted. Your client wants to know whether his package policy will respond. Welcome to the technology and information errors & omissions (E&O) world. A growing number of businesses depend on digital information and technology platforms to operate. Those businesses—especially those that store, process, or transmit other people’s data—carry exposures that traditional general liability or property forms were not designed to cover. Common technology and information exposures include: Failure to perform professional services (technology E&O) Unauthorized access to information by hackers or disgruntled former employees Misuse or unauthorized disclosure of client information by staff Business interruption from third-party system failures Transmission of malicious code (viruses, worms, logic bombs) Website-related intellectual property claims (copyright/trademark) Standard CGL policies typically require physical damage to tangible property to trigger coverage—digital data and software rarely qualify. That gap is why many technology firms, IT service providers, and data hosts need specialized technology/cyber and E&O insurance. Bailey Special Risks, Inc. (BSR) places Technology Insurance designed for firms that develop, deploy, or rely heavily on technology. As a wholesale broker with deep market access, BSR works with surplus lines carriers and specialty markets to tailor solutions for software vendors, consultants, managed service providers, hosting companies, and other technology-dependent businesses. Ideal Accounts and Appetite BSR’s Technology Insurance program targets businesses that provide technology services or depend on digital infrastructure for client operations. Typical classes we place include: IT consultants and software developers Web hosting, cloud and platform providers Managed service providers (MSPs) and IT outsourcing firms Technology staffing firms and VARs Data storage, colocation, and processing providers If your insured handles sensitive client data, provides technical advice, or runs platforms that others rely on for uptime and security, this program may be a strong fit. Coverage Highlights and Advantages BSR’s Technology Insurance solutions are intended to fill the gaps left by traditional policies. Coverages commonly available through the program include: Professional liability / errors & omissions for technology services Privacy breach response and third-party liability for data loss Network security and cyberattack liability Business interruption and contingent business interruption for affected third parties Media liability and intellectual property infringement Liability for transmission of malicious code These coverages can respond to damages, defense costs, regulatory response, and incident response expenses depending on the form and limits selected. Underwriting Notes and Minimum Premiums Most placements under this program are written on a non-admitted basis through surplus lines markets. Underwriting focuses on the insured’s services, exposures, security controls, and claims history. Typical submission requirements include a completed application, detailed description of services, cyber security controls (firewalls, MFA, backups, patching), and loss history. Minimum premiums vary by carrier and class; BSR can help identify the appropriate market and provide realistic minimums once you submit account details. Territories and Availability This program is available to licensed agents and brokers in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, and WY. Why Work With Bailey Special Risks, Inc. BSR is a wholesale broker focused on placing complex and emerging risks. Their strengths for technology accounts include: Access to multiple surplus lines markets that underwrite cyber and technology E&O risks Experienced technology underwriting resources who understand service models and tech stacks A consultative placement process that matches each account to carriers with the right appetite Support for tailoring limits, retentions, and extensions to the insured’s exposures Example scenarios that often fit this program: You have an MSP with recurring revenue that manages client networks and needs cyber liability plus E&O for service failures. You represent a SaaS vendor that stores customer records and wants broader third-party liability and business interruption protection in case of a breach or harmful code transmission. Frequently Asked Questions What types of accounts are a good fit for this Technology Insurance program?Ideal accounts include IT consultants, software developers, managed service providers, data centers, and any business offering technology-based services or handling sensitive data. Is this coverage available on an admitted basis?No. Most coverage is placed on a non-admitted basis through surplus lines carriers familiar with technology and cyber risks. Can this program cover third-party liability from data breaches or cyber events?Yes. The program can include third-party liability for privacy breaches, network security failures, transmission of malicious code, and related third-party business interruption depending on the carrier form. What states is this program available in?BSR offers this program in 42 states, including CA, FL, NY, and TX, plus many others across the country. See the Territories section above for the full list. What information is needed to get a quote?Typical submissions include a completed application, loss history, descriptions of services and client types, and documentation of security controls and incident response procedures. Need help placing an account? Connect with a market specialist.