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A business that handles customer data will most likely be the victim of a breach at some point. Most understand the risks, but, few protect themselves. Advise your clients to protect their finances and reputation from data breach and cyber losses. Data Breaches are becoming more and more frequent, fierce and undeniably expensive. Your clients have Exposure if they:• Take in employee or customer social security numbers • Process credit card transactions • Utilize bank account information • Store or access health care records or other non-public informationSome of their Risks include:• Lost or stolen laptops, media, back up tapes or thumb drives • Computer viruses • Employee misuse • Improper disposal of paper records • Computer hackingTheir out of pocket Costs without paper coverage?• Notification costs (estimated over $200 per record) • Credit monitoring costs (estimated at $20-$30 per record) • Significant attorney costs, fines and penaltiesObtaining a quote for your client is as easy as 1, 2, 3 with AP Advantage! Provide us with:1. Name and address of insured 2. Class of insured business 3. Annual revenuesMinimum premiums start as low as $1,000 for coverage that could be priceless. We are happy to discuss how our Data Breach coverage is the right fit for you and your client, please contact us for more information.

Key Risk Groups: Current ProgramConnect Products: Insurance agents and brokers, real estate agents and brokers, employment agencies, executive recruiters, search firms, temp and temp-to-hire firms, medical billing service firms, claims adjusters, examiners, mortgage brokers, answering services/alarm monitoring companies, convention/tradeshow arrangement service providers, court recorders/stenographers, information retrieval services, interior designers/decorators/space planners (non-structural), land surveyors, management consulting of market appraisal and feasibility studies, marketing consultants/researchers, mailing service providers, medical information service providers, notaries, paging services, printers/printing firms (non-financial), public relations firms/consultants, publishers, telemarketing firms, non-medical testing labs, other non-financial consultants, travel agents. Overview of the Program from AI Risk: AI Risk offers a flexible and comprehensive Miscellaneous Professional Liability program designed specifically for professionals who fall outside traditional categories. With access to AIG as the carrier and availability in all 50 states, this program is ideal for agents and brokers looking to place specialized risks with confidence. Whether your clients are consultants, service providers, or niche professionals, AI Risk understands the unique exposures they face and offers tailored solutions to meet their needs. Ideal Accounts and Appetite: This program targets a wide range of professional service providers, including but not limited to: Insurance and real estate agents/brokers Employment agencies, executive recruiters, temp and staffing firms Medical billing services and claims adjusters Mortgage brokers and financial document processors (non-investment related) Interior designers (non-structural), marketing consultants, public relations firms Notaries, telemarketing firms, publishers, and mailing services You might have a client operating a niche marketing consultancy or a convention planning company—both are excellent fits for this program. Coverage Highlights and Advantages: Miscellaneous Professional Liability written on a “claims-made” basis Coverage tailored with class-specific endorsements and amendments First-dollar defense available for P&C insurance agents and brokers Defense costs are outside the limits of liability Separate limit available for disciplinary proceedings Coverage extends to services rendered over the internet This flexibility allows agents to meet the evolving risk profile of modern service businesses. Underwriting Notes and Minimum Premiums: Minimum premiums typically start at $2,500, but may vary depending on state regulations, selected limits, and the classification of risk. AI Risk uses a class-based underwriting approach to assess and tailor the policy for each insured. Territories and Availability: This program is available in all 50 states and Washington, DC, providing national access for your clients. Whether you write business in California, Texas, New York, or anywhere in between, AI Risk can support your placement needs. Why Work With AI Risk on This Business: As a Managing General Agency and Carrier, AI Risk combines underwriting expertise with direct market access to AIG. Their deep understanding of professional liability exposures in non-traditional classes makes them a valuable partner for agents and brokers seeking a reliable market for hard-to-place risks. With broad appetite, flexible coverage terms, and national availability, AI Risk helps you deliver quality solutions for your clients. Frequently Asked Questions What types of accounts are a good fit for AI Risk’s Miscellaneous Professional Liability program?This program is ideal for non-traditional professional service providers such as consultants, marketing firms, temp agencies, interior designers (non-structural), and real estate or insurance agents. Is this program available nationwide?Yes, the Miscellaneous Professional Liability program from AI Risk is available in all 50 states and Washington, DC. What is the minimum premium for this program?The minimum premium typically starts at $2,500, depending on the state, class of risk, and selected coverage limits. Does the coverage include defense costs?Yes, defense costs are in addition to the limits of liability. First-dollar defense is also available for P&C insurance agents and brokers. Can this program cover services provided online?Yes, the policy includes coverage for professional services rendered over the internet, a key benefit for modern service firms. 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.

Don’t go it alone. With RPS Technology & Cyber's Software Insurance program, you gain a proven partner with deep industry insight. For over 15 years, our dedicated team has helped agents and brokers successfully place coverage for clients in the fast-moving technology sector. Overview of the Program From RPS Technology & Cyber Technology businesses face unique and evolving exposures—many of which are not adequately addressed by standard insurance products. Our Software Insurance program is built specifically for IT professionals, software developers, computer consultants, IT staffing firms, and other tech-focused operations. We understand the challenges agents face in finding appropriate coverage for these complex risks. That’s why we’ve developed a program that’s both responsive and easy to access through our wholesale brokerage platform. Ideal Accounts and Appetite We specialize in helping agents place business for: Custom software developers IT consultants and project managers Managed service providers (MSPs) IT staffing firms and tech recruiters Systems integrators and network engineers SaaS and cloud-based application providers This program is well-suited for small to mid-sized firms, although larger accounts may be considered depending on the risk profile. Coverage Highlights and Advantages Our Software Insurance program offers tailored professional liability and cyber liability solutions designed to respond to the specific exposures of tech companies. Coverage may include: Technology Errors & Omissions (Tech E&O) Network Security and Privacy Liability Media Liability Regulatory defense and fines (where insurable) Business interruption due to cyber events Unlike off-the-shelf policies, our carriers understand the nuances of software and IT risks and are prepared to offer underwriting flexibility where it counts. Underwriting Notes and Minimum Premiums Minimum premiums vary by risk and carrier. Our underwriting team works closely with agents to evaluate submissions efficiently and provide competitive options. We encourage submissions with complete applications, details on services provided, and any loss history. Territories and Availability This program is available in all 50 states and Washington, DC. We work with a variety of carriers to offer both admitted and non-admitted solutions depending on the state and risk profile. Why Work With RPS Technology & Cyber? You don’t have to be a technology expert to write Software Insurance—you just need the right partner. RPS gives you the tools and support to confidently pursue this niche. With our experience, market access, and commitment to service, we help you deliver value to your clients while growing your book of business in the tech space. Whether your client is a startup SaaS firm or an established IT staffing agency, RPS Technology & Cyber can help you find smart, scalable insurance solutions to meet their needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for software developers, IT consultants, managed service providers, IT staffing firms, and other technology-focused businesses. Is this program available in all states?Yes, the Software Insurance program is available in all 50 states and Washington, DC. What coverages are included in the program?Coverage options may include Tech E&O, cyber liability, media liability, regulatory defense, and business interruption from cyber events. Do I need to be a tech expert to submit business?No, our team provides the technical expertise so you can confidently place tech-related risks without being a specialist yourself. What carriers are used for this program?We work with various carriers, offering both admitted and non-admitted options depending on the state and risk profile. Need help placing an account? Connect with a market specialist.

...ing: Software developers and programmers IT consultants and managed servi...

...tants Software developers and programmers Managed service providers (MSPs)...

In today’s litigious environment, professionals across a wide range of industries face increasing exposure to claims of negligence, errors, or omissions in the services they provide. These risks can lead to costly legal battles, financial losses, and reputational harm. For agents and brokers seeking a reliable market for professional liability coverage, Veracity Insurance Solutions, LLC offers a flexible and competitive solution. Professional Liability Coverage From Veracity Insurance Solutions Veracity Insurance Solutions provides tailored professional liability insurance for over 200 classes of business. With policies available in all 50 states, our program is designed to meet the needs of both established professionals and startups alike. We offer fast turnaround, low minimum premiums starting at $500, and access to both admitted and non-admitted carriers. Ideal Accounts and Target Classes Our broad underwriting appetite includes many hard-to-place and emerging risks. Some of our key target classes include: Architects & Engineers Manufacturers E&O Contractors Professional Liability Media & Social Media Companies Technology Firms and Web Designers Allied Health Professionals Fitness Instructors Miscellaneous Professional Services These are just a sample of the classes we serve. With over 200 eligible business types, chances are we can accommodate your client’s specific needs. Coverage Highlights and Advantages Veracity’s professional liability policies are built to protect against third-party claims arising from alleged negligence, errors, or omissions in the course of the insured’s professional duties. Our coverage is customizable and comes with several key benefits: Made claims forms Low premiums and deductibles Available through both admitted and non-admitted carriers Breach of contract coverage Intellectual property rights protection Whether your client is launching a new venture or expanding their services, we have the tools to help them stay protected. Underwriting, Minimum Premiums, and Program Flexibility Our team offers in-house underwriting authority, allowing us to move quickly and efficiently. We welcome new ventures and startups and can work with you to structure a policy that fits your client’s operations. The minimum premium for this program is $500, making it accessible for smaller or emerging businesses. Available Nationwide Veracity’s professional liability program is available in all 50 states and the District of Columbia. Whether your client operates locally or nationally, we can provide the right coverage solution. Why Choose Veracity Insurance Solutions? As a wholesale broker with deep expertise in specialty liability risks, Veracity Insurance Solutions offers agents the advantage of broad market access, fast quoting capabilities, and knowledgeable underwriting support. Our mission is to help you place more business, faster and more efficiently. From tech startups to established healthcare professionals, our professional liability program is built to support a wide range of client needs. Let us be your go-to market for this critical coverage. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals across 200+ classes, including architects, engineers, media companies, fitness instructors, and tech firms. Can you write coverage for new ventures or startups?Yes, we welcome new ventures and startups. Our underwriting team can tailor coverage for businesses of all sizes and stages. Is this program available in all states?Yes, Veracity offers professional liability insurance in all 50 states and the District of Columbia. Are both admitted and non-admitted carriers available?Yes, we work with both admitted and non-admitted markets to provide flexible coverage options. What is the minimum premium for this program?The minimum premium starts at $500, making this program accessible for small businesses and solo professionals. Need help placing an account? Connect with a market specialist.

...ls, software developers, system programmers, and tech instructors Janitori...

...ssional: Engineers, architects, programmers You might have a client who o...