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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.

Overview of the Program From J.R. Olsen Bonds & Insurance Brokers, Inc. J.R. Olsen Bonds & Insurance Brokers, Inc. offers a flexible Errors & Omissions (E&O) insurance program designed for a wide range of professional service firms. As a Managing General Agency with access to 25 different insurance companies, J.R. Olsen places E&O coverage for common professional exposures and harder-to-place classes. This program is intended for agents and brokers who need a reliable market for professional liability risks across many professions and transaction types. Ideal Accounts and Appetite The program is tailored for transactional and advisory professionals who face negligence, omission or error exposures in the performance of professional services. Typical classes we place include: Insurance Agents & Brokers Mortgage Bankers / Brokers Escrow Companies Title Companies and Agents Tax Deferred Exchange Attorneys Travel Agents Medical Malpractice Architects & Engineers For Most All Professions, If Not Shown Here Call If you have a professional client not listed above, this program often can consider submissions—especially where prior coverage, loss history and risk management practices are reasonable. Coverage Highlights and Advantages Access to multiple admitted and non-admitted markets through a single MGA, improving placement options for unusual or mid-sized risks. Standard E&O coverages for negligence, errors, omissions and defense costs; available endorsements and policy features depend on carrier selection. Competitive appetite for both renewal and new-business submissions across many professional classes. Underwriting flexibility for firms with limited prior coverage or unique operations, thanks to multiple carrier relationships. Underwriting Notes and Submission Requirements Underwriting varies by carrier and state. Typical documents requested include a completed E&O application, current and prior loss runs, descriptions of services offered, and any engagement letters or contracts. Common considerations that affect placement: Claims history and pending litigation Fee volume and revenue mix Contractual risk transfer (indemnities, waivers, third-party agreements) Risk management practices, staff qualifications and training Minimum premiums and retentions are carrier- and state-dependent. Because J.R. Olsen works with many markets, minimums will vary—submit the full underwriting package for the most appropriate market match. Territories and Availability This program is available in the following 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, DC, WV, WI, WY. Availability and admitted/non-admitted options depend on the chosen carrier and state regulations. Why Work With J.R. Olsen on E&O Business MGA specialization — consolidated access to multiple carriers saves time and improves placement success for difficult or niche accounts. Breadth of markets — 25 carrier relationships increase the chance of finding terms appropriate to the client’s risk profile. Practical underwriting — focused on matching exposures to carrier appetite rather than forcing one-size-fits-all solutions. Service orientation — designed to support producers with submission guidance, underwriting feedback and timely quotes. Two example accounts that fit this program A small title agency with steady volume, clean loss history and a need for lender-side endorsements—multiple carriers can be considered to secure competitive terms. An independent insurance agency seeking E&O limits and tailored policy wording after a prior carrier non-renewal—this MGA’s carrier panel increases placement options for agents with prior coverage issues. Frequently Asked Questions What types of professional accounts are a good fit for this program?The program fits professional service firms such as insurance agents and brokers, mortgage brokers, escrow and title companies, attorneys, travel agents, architects, engineers and many other advisory or transactional professions. If a class is not listed, submit the risk—J.R. Olsen can often find a market. Which states is the program available in?The program is available in 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. Admitted versus non-admitted options depend on carrier and state rules. What documents are typically required to get a quote?Underwriting commonly requests a completed E&O application, the most recent loss runs, descriptions of services and any sample engagement letters or contracts. More detail may be requested based on the class and carrier selected. Need help placing an account? Connect with a market specialist.

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.

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.

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.

Overview — Consultants Program from Preferred Concepts LLC Preferred Concepts LLC offers a Consultants program that helps independent agents place professional liability for a wide range of consulting firms. For underwriting and proposal support, the program leverages resources from Mercator Risk Services, which has experience writing consulting accounts in specialties such as: Marketing Environmental Avalanche control Nuclear power plant consulting Safety consulting Management consulting Medical consulting Many consulting firms assume they are covered by a General Liability policy for professional exposures; however, tightening contractual requirements and increasing client expectations are driving demand for explicit Professional Liability (Errors & Omissions) coverage. Preferred Concepts LLC’s Consultants program is designed to help you place that coverage, including difficult or nonstandard risks. Ideal Accounts and Appetite Small to mid-size consulting firms in the listed specialties Independent consultants and small consulting firms with limited staff Accounts with contract-driven insurance requirements (project-specific or client-mandated limits) Hard-to-place or distressed accounts — including risks with prior claims or financial stress Typical accounts that fit the program are firms whose duty is to advise, design, assess, or certify (rather than perform construction or manufacturing). Accounts with significant performance guarantees, statutory exposure, or ongoing operations that include high-hazard fieldwork may require specialized underwriting review. Coverage Highlights and Advantages Professional Liability (E&O) capacity through various carriers available via the wholesale broker platform Ability to handle standard, hard-to-place, distressed and unusual accounts — including those with prior claims Flexibility to work from an agent’s application or from a specialized application when required Support with proposals and placement strategies from experienced underwriters/partners Underwriting Notes and Submissions Preferred Concepts LLC can usually work from the agent’s own application (except renewals), or provide a specialized application when needed. Be prepared to include: Scope of services and contract language Revenue breakdown by service and by location Claims history and prior acts information Any risk management procedures, certifications, or client requirements Because the program accepts hard-to-place situations, disclose any prior claims, regulatory matters, or financial impairment up front to speed placement and find appropriate markets. Territories and Availability This program is available in the following jurisdictions: 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 Preferred Concepts LLC on Consultants Business Wholesale broker access to multiple carriers and specialty capacity Experience placing both routine and hard-to-place consulting risks Practical underwriting guidance to help you meet client contract requirements Responsive submission handling and use of agent applications to minimize duplication If you have a client who provides professional advice and faces contractually required limits or a history that has made placement difficult, this program can help you obtain professional liability coverage and market options. Hard to Place: The program also handles hard-to-place, distressed and unusual accounts, such as accounts with claims or financially impaired accounts. Let us know about your clients’ needs and Preferred Concepts LLC will work with our underwriting partners to provide information and assistance for your particular situation or account and your Professional Liability coverage. For more information, please call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on products, insurance applications, and specialty lines information on the Mercator website at www.mercatorpro.com. Frequently Asked Questions What types of consulting accounts are a good fit for this program?Accounts that primarily provide professional advice, design, or assessment services—such as marketing, environmental, safety, management, and medical consulting—are generally a good fit. The program also considers hard-to-place and previously-claimed accounts on a case-by-case basis. Can I submit using my agency's application?Yes. Preferred Concepts LLC can usually work from your application (other than renewal applications). If needed, a specialized application is available from the underwriting partner. How should I present accounts with prior claims or financial stress?Disclose prior claims, pending matters, and any financial impairments up front. Provide details on claim outcomes, corrective actions taken, and current controls so underwriters can evaluate placement options quickly. Need help placing an account? Connect with a market specialist.

Overview — Technology Professional Liability Markets from Preferred Concepts LLC Preferred Concepts LLC places Technology professional liability accounts through competitive wholesale markets. Technology accounts present a wide array of professional liability exposures and typically fall into two groups: developers of technology (the most common purchasers of tech E&O) and users of technology (who have different coverage needs). Preferred Concepts works with various carriers and program partners to help you place both routine and hard-to-place technology risks. Developers of Technology Developers — or IT professionals — are the most frequent buyers of professional liability protection. This includes organizations that design, build, integrate, or maintain software and systems such as: Website developers Software developers Systems and computer consultants Database services Network administrators Security consultants Systems procurement Transactional Internet services Users of Technology Users of technology are more varied and traditionally less likely to purchase professional liability coverage, but many have identifiable exposures that require tailored solutions. Typical user classes include: Internet advertisers and marketing organizations e-Professionals delivering traditional services online e-Commerce companies (pure-play online businesses) "Clicks & mortar" companies — traditional businesses with transactional web presence Content providers — portals, search engines and specialized content sites Coverage Highlights and Advantages Broad professional liability/E&O capacity for software, systems, and Internet services. Optional media/intellectual property considerations — for accounts with potential copyright, trademark, patent, defamation, or privacy exposures. Access to competitive wholesale markets and specialty underwriters through Preferred Concepts' broker relationships. Flexible placement options for standard technology risks as well as hard-to-place or distressed accounts. Ideal Accounts and Appetite Preferred Concepts is set up to help agents place a wide range of technology clients. The program is a good fit for: Small to mid-sized development shops and IT consultants seeking E&O limits and tailored endorsements. Online service providers and transactional web businesses that require professional liability protection for errors in their services or platforms. Content providers and advertisers that may need combined tech E&O and media liability options. Accounts that typically need more bespoke terms — large-scale enterprise deployments, insureds with extensive patent exposure, or companies with significant revenue from high-risk data activities — should be submitted for underwriting review; markets available through Preferred Concepts can consider many of these risks but appetite is underwriter-dependent. Underwriting Notes Underwriters evaluate scope of services, revenue size, claims history, contractual exposure (including indemnity and warranty wording), and security/data practices. Media and IP extensions are available on many submissions but are underwritten separately and may be subject to additional limitations or sublimits. Be prepared to provide a clear description of services, contracts, recent project examples, and any third-party vendor relationships. Preferred Concepts routinely handles hard-to-place, distressed, and unusual accounts — include detailed submission materials and explain the specific placement challenge. Territories and Availability This Technology program is available through Preferred Concepts in the following jurisdictions: 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. Coverage availability, forms, and admitted vs. non-admitted options are subject to carrier and state-specific rules. Why Work With Preferred Concepts LLC on Technology Accounts Wholesale broker expertise: Preferred Concepts leverages relationships with specialty carriers to find competitive E&O and media liability solutions. Experienced underwriting intake: We know which markets prefer which tech classes and can guide you on presentation to reduce time to quote. Flexible service: From standard placements to hard-to-place or distressed risks, Preferred Concepts can route submissions to appropriate markets and provide placement support. Carrier access: Various carriers are available through the program; Preferred Concepts will match submission characteristics to the best available markets. Example submissions You might have a mid-size software developer that needs primary tech E&O with an optional media/IP endorsement after a client dispute over code reuse. Or an online marketplace that wants professional liability for transactional services plus vendor due-diligence support — Preferred Concepts can submit to markets that consider bundled solutions. More information: For program details, application forms, and market availability, contact Preferred Concepts' wholesale placement team. The original program materials reference Mercator Risk Services for certain technology professional liability offerings — see their web resources for additional product detail: [email protected] and www.mercatorpro.com. Frequently Asked Questions What types of technology accounts fit this program?The program is aimed at developers of technology (software houses, web developers, systems and security consultants) and a broad range of technology users (e-commerce, advertisers, content providers). Small to mid-sized firms are the best fit; larger or highly specialized accounts can be submitted for review. Does the program provide media or intellectual property coverage?Media and IP exposures are common in technology placements. Many markets available through Preferred Concepts can add media/IP coverage or offer separate endorsements, but acceptance and terms are carrier-dependent and require underwriting review. What should I include with a submission?Provide a clear description of services offered, revenue by service line, sample contracts, claims history, and information about security/data practices. For hard-to-place risks, include specifics on the placement challenge and any prior carrier decline or loss details. Are hard-to-place or distressed technology accounts accepted?Yes. Preferred Concepts routinely handles hard-to-place, distressed, and unusual accounts and will route them to specialty markets that consider elevated risks. Early communication on the issue helps target the right market. Which states are supported?The program is available in 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. Coverage specifics may vary by state and carrier. Need help placing an account? Connect with a market specialist.

Tennant Risk Services is a specialty wholesale Managing General Agency and Excess & Surplus Lines broker that helps retail agents and brokers place professional liability (Errors & Omissions) coverage for consultants — including those in niche or specialty sectors. We provide underwriting expertise, wide market access and tailored E&O solutions for consulting firms across most U.S. states. Overview of the Consultants E&O Program Our Consultants Professional Liability (E&O) program gives agents access to competitive markets and flexible coverage forms for a broad range of consulting practices. Tennant Risk Services focuses on practical underwriting and fast placement for both routine accounts and harder-to-place risks, so you can move quickly on client opportunities without sacrificing coverage quality. Ideal Accounts and Appetite This program serves a wide spectrum of consultants, including: Management consultants Marketing and branding consultants Healthcare data security consultants Energy and oil & gas consultants Actuarial and school finance consultants Specialty engineering and compliance consultants We have demonstrated strength with tougher placements, for example: Startups and newly formed practices Consultancies with affiliated or related businesses Accounts with prior or adverse loss history Consultants offering unusual or higher-risk services Coverage Highlights and Advantages The program is designed to be flexible so you can tailor solutions to client exposures. Key features include: Minimum premiums starting at $500 Defense outside the limits available First dollar defense options on qualifying risks Customizable limits and deductible structures Coverage extensions such as contingent BI/PD, General Liability extension, and independent contractor coverage Optional enhancements like Cyber Risk and Employment Practices Liability (EPL), subject to underwriting Underwriting Notes and Minimum Premiums Underwriting is case-sensitive — we balance appetite with pragmatic pricing and endorsements to fit the client’s operations. Representative sample placements illustrate the range of risks we can handle: Marketing consultant — $1M limit, $1,000 premium Energy consultant — $1M limit, $950 premium Specialty engineering consultant — $5M limit, $53,750 premium Compliance consultant — $3M limit, $6,600 premium Example scenarios you might bring to Tennant Risk Services: A two-person marketing consultancy with limited operating history seeking a startup-friendly E&O program and first-dollar defense options. An engineering specialist with a prior claim who needs higher limits and a tailored deductible structure to satisfy a client contract. Territories and Availability This Consultants E&O program is available in most U.S. states, including CA, TX, FL, NY, IL and many others. We place both admitted and non-admitted business depending on the state and the risk profile, leveraging admitted markets where available and E&S capacity where necessary. Why Work With Tennant Risk Services? Tennant Risk Services is focused on professional liability for consultants. When you work with us you get: Deep underwriting knowledge of consultants’ E&O exposures Access to multiple carrier markets that vary by risk, size and territory Responsive service and expedited turnaround for submissions Practical solutions for hard-to-place, high-risk or specialized consulting accounts We work exclusively through retail agents and brokers. Share your client’s details and loss history with our underwriting team, and we’ll help identify the best structure and market fit. Frequently Asked Questions What types of accounts are a good fit for this Consultants E&O program?This program fits a broad range of consulting professionals — management, marketing, engineering, compliance and specialty consultants — particularly those with unique services or challenging risk profiles. Do you accept new operations or startup consulting firms?Yes. Tennant Risk Services has underwriting flexibility to consider new ventures and startups, including firms with limited operational history or no prior coverage. Can this program accommodate consultants with prior claims or losses?Yes. We routinely evaluate accounts with adverse loss history and can often place them with appropriate terms and limit/deductible structures. Is Cyber Liability or Employment Practices Liability (EPL) available?Yes. Cyber Risk and EPL can be added to many accounts, subject to eligibility and underwriting approval. Which states is this program available in?The program is available in most U.S. states, including CA, TX, FL and NY. We can advise whether admitted or non-admitted placement is appropriate for a given state and account. Need help placing an account? Connect with a market specialist.