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...innerer & Company, Inc. — Kidnap, Ransom & Extortion Insurance Victor O...sk countries; this program can cover ransom and response costs and provide an ...

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Victor O. Schinnerer & Company, Inc. offers a claims-made Real Estate Errors & Omissions (E&O) program designed for a broad range of real estate professionals. The program is underwritten through CNA and is administered by Schinnerer as a Managing General Underwriter. Coverage can be tailored to individual firm operations and risk profiles, and Schinnerer's Real Estate E&O program is the exclusive E&O insurance partner for the NATIONAL ASSOCIATION OF REALTORS® (mortgage brokers excluded). Overview of the Program This Real Estate E&O program provides professional liability protection for errors, omissions and negligent acts arising from real estate services. The policy is written on a claims-made basis and is intended for agents, brokers and related professionals whose exposures arise from residential, commercial and transactional real estate activities. Limits and deductibles are flexible to match different firm sizes and exposures. Ideal Accounts and Appetite Residential real estate agents and small-to-mid sized brokerages Commercial real estate professionals and leasing agents Independent and certified appraisers Auctioneers and transactional specialists Property managers and firms providing leasing or tenant-placement services Mortgage brokers (note: excluded from the NAR partnership) Schinnerer typically looks for traditional real estate operations with documented procedures, reasonable transaction volume for the firm size, and standard commission and contract practices. Excessive specialty exposures (large construction escrow handling, major development projects, or high-volume mortgage lending) may require supplemental underwriting or alternative markets. Coverage Highlights and Advantages Claims-made E&O wording tailored to real estate operations Flexible limits up to $5 million Deductibles starting at $1,000 and premium options that begin at $500 Program underwriting through CNA—strength and claims handling experience Customizable endorsements to address common real estate exposures (e.g., transactional errors, failure to disclose, misrepresentation) Schinnerer’s direct relationship with the NATIONAL ASSOCIATION OF REALTORS® supports placement for REALTOR® members (mortgage brokers are excluded from that affiliation) Underwriting Notes and Minimums Policies are underwritten on a firm-by-firm basis. Important submission elements include current application, loss runs (typically last 5 years), copies of standard listing and purchase agreements, and a description of risk management procedures. Because this is a claims-made program, pay attention to retroactive dates and prior acts coverage when negotiating placement. Premiums, deductibles and limits are flexible; the program lists premiums starting at $500, deductibles starting at $1,000, and limits up to $5,000,000. Larger or more complex accounts may require excess placement or individualized underwriting and pricing. Territories and Availability Available through Victor O. Schinnerer & Company, Inc. as a Managing General Underwriter and placed with CNA. Territories: 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. The program can be written on admitted or non-admitted paper where applicable; confirm state-specific filing and availability. Why Work With Victor O. Schinnerer on This Business Schinnerer brings program underwriting expertise specific to real estate E&O and direct access to a carrier with national capacity (CNA). The program supports REALTOR® members through Schinnerer’s exclusive relationship with the NATIONAL ASSOCIATION OF REALTORS® (mortgage brokers excluded), which can simplify placement for those firms. Flexible limits and endorsements make this program a good fit for a range of firm sizes, from single-agent practices to larger brokerages and property management firms. Schinnerer provides underwriting guidance and risk management considerations that help you present accounts effectively and secure competitive terms. Example Account Scenarios You have a six-agent residential brokerage seeking primary E&O limits of $1 million with a low deductible and professional liability wording that includes transactional endorsements—this program can provide tailored pricing and coverage. A regional property management firm that handles leasing and tenant placement wants higher limits and customized endorsements for management errors—Schinnerer can evaluate and structure appropriate limits and wording, with excess placement if needed. Frequently Asked Questions What types of real estate professionals are a good fit for this program?The program suits real estate agents, brokers, appraisers, auctioneers, leasing agents, property managers and many commercial real estate professionals. Appetite is best for firms with standard transactional operations rather than unusual or highly specialized exposures. Is this coverage claims-made and what should I watch for?Yes — the policy is claims-made. Verify the retroactive date, any prior-acts coverage, and whether tail or extended reporting period options are available when binding or renewing a policy. What limits, deductibles and premium levels are available?The program offers limits up to $5 million, deductibles starting at $1,000, and premium entry points shown starting at $500. Actual pricing depends on firm size, operations, loss history and requested endorsements. Which states is this program available in?Victor O. Schinnerer’s Real Estate E&O program is available in the states listed in the storefront (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). Confirm state-specific availability and filings when submitting. What submission materials does Schinnerer typically require?Provide a current application, recent loss runs, representative contracts (listing/purchase/management agreements), and a summary of firm operations including transaction volume and risk management practices. These materials help expedite underwriting and obtain competitive terms. Need help placing an account? Connect with a market specialist.

Mercator Risk Services, offered through Preferred Concepts LLC, provides Professional Liability coverage tailored for accounting professionals. The program is built to serve a broad range of accounting operations — from solo practitioners and seasonal tax preparers to small and mid-sized firms that perform audits, reviews, tax work, bookkeeping, or consulting. Whether your client handles tax-only engagements or provides full audit and advisory services, Mercator pairs competitive terms with flexible underwriting. Ideal Accounts and Appetite This program is a strong fit for: Small start-up accounting firms Practices focused on tax preparation, including seasonal operations Firms that serve specific professions or industries General accounting firms with incidental electronic data processing (EDP) work CPAs leaving larger firms to start independent practices Firms offering general accounting services with some related management consulting Mercator also reviews hard-to-place risks, including accounts with prior claims or financial impairments. If an account has been declined elsewhere, this program may still be an option. Coverage Highlights and Advantages Professional Liability (Errors & Omissions) coverage for accounting professionals Standard limits typically start at $1 million Coverage issued on a claims-made basis Minimum premiums and deductibles generally start around $1,000—often lower for tax-only operations Flexible underwriting to accommodate varied service models and specialties Accountants face heightened exposure from regulatory scrutiny, audit work, and complex tax matters. This program helps protect firms from the expense of professional liability claims arising from alleged errors, omissions, or negligent advice — including missed fraud, tax preparation mistakes, and disputed consulting outcomes. Underwriting Notes and Minimum Premiums Mercator Risk Services offers adaptable underwriting to fit a wide range of firm sizes and risk profiles. They can accept your client’s existing application (excluding renewals) or provide a streamlined, program-specific application. Minimum premiums and deductibles typically begin at $1,000, with potential reductions for low-risk, tax-only practices. Territories and Availability This Accountants Professional Liability program is offered on a non-admitted basis and is available in all 50 states plus Washington, D.C. Agents and brokers nationwide can access coverage through Preferred Concepts LLC and Mercator Risk Services. Why Work With Preferred Concepts LLC Preferred Concepts LLC provides access to Mercator Risk Services, a wholesale broker with deep experience in professional liability for accountants. They leverage relationships with multiple carriers to place both standard and hard-to-place accounts. Their underwriting approach is practical and responsive, helping you secure tailored coverage for clients who have atypical exposures or limited placement options. Examples of good-fit accounts you might submit: a CPA who recently left a regional firm to start a solo practice that prepares individual and business tax returns; or a small firm that provides bookkeeping, payroll, and occasional advisory services and needs $1M/$1M professional liability limits. For both, Mercator’s flexible underwriting and program forms can simplify placement. To discuss a submission or start an application, contact Mercator Risk Services at (860) 527-9717 or email [email protected]. You can also visit their website at www.mercatorpro.com for more information on products, applications, and other specialty lines. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized accounting firms, solo CPAs, and tax preparers. It also works well for firms that perform general accounting, incidental EDP work, or provide limited management consulting. Can this program cover firms with prior claims?Yes. Mercator Risk Services will consider hard-to-place and distressed accounts, including those with past claims or documented financial issues, depending on the loss history and current controls. Is the coverage admitted or non-admitted?The program is available on a non-admitted basis across all states and Washington, D.C. Are there minimum premiums or deductibles?Minimum premiums and deductibles generally start around $1,000. Lower pricing may be available for low-risk, tax-only operations. What is the application process like?You may submit your client’s existing application (renewals excluded), or request a program-specific application from Mercator to accelerate underwriting and placement. Need help placing an account? Connect with a market specialist.

Mercator Risk Services, offered through Preferred Concepts LLC, delivers comprehensive Directors & Officers (D&O) Liability Insurance solutions for a wide range of organizations. This program is designed to help protect the personal assets of corporate decision-makers and board members from lawsuits related to their management decisions. Whether your client is a public company, private firm, or nonprofit organization, Mercator has the markets and underwriting expertise to help you place this critical coverage. Ideal Accounts and Appetite Mercator Risk Services targets a broad spectrum of D&O risks, including: Public Companies Private Companies Nonprofits (including associations and unions) Financial Institutions and Financial Services Firms Companies Preparing for Initial Public Offerings (IPOs) Trustee Liability & Trusts Distressed or Hard-to-Place Accounts You might have a client that is a small nonprofit seeking D&O and EPL coverage, or a private company with a recent leadership change and increased litigation exposure—Mercator can provide markets for both. Coverage Highlights and Advantages D&O exposures continue to grow due to increased regulatory scrutiny, industry consolidation, and evolving legal landscapes. Mercator works with a wide network of carriers to provide tailored coverage solutions that address these risks. Key coverage options include: Separate or aggregated limits for D&O, EPL, and E&O coverages Competitive policy terms for nonprofits, including packages with EPL and professional liability Primary limits up to $10 million, with excess capacity available Programs available for accounts with prior claims or financial impairments Many policies can be customized based on your client’s specific exposures, and Mercator can provide specialized applications or work with an existing one to get started quickly. Underwriting Notes and Minimum Premiums Mercator can typically secure competitive terms across most account types. Minimum premiums start as low as $950, with deductibles beginning at $0 depending on class and risk characteristics. Each submission is evaluated individually, and Mercator’s broad market access helps ensure flexible solutions for both standard and complex placements. Territories and Availability This program is available in all 50 states, including DC. Whether your insured is based in California, New York, Texas, or a smaller market like Wyoming or Vermont, Mercator can help you find the right fit for their D&O needs. Why Work With Preferred Concepts and Mercator Risk Services? As a wholesale broker, Mercator Risk Services brings extensive experience and deep market access to the D&O space. Their ability to handle both standard and hard-to-place risks makes them a valuable partner for agents and brokers navigating today’s complex liability landscape. You’ll benefit from responsive service, underwriting expertise, and tailored proposals that help you secure the right protection for your clients. For more information, please call (860) 527-9717 or email [email protected]. Additional details, insurance applications, and other specialty lines resources are available on their website at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this Directors & Officers program?This program is ideal for public and private companies, nonprofits, financial institutions, and accounts preparing for IPOs. It’s also suitable for distressed or hard-to-place risks. Can this program handle accounts with prior claims or financial issues?Yes, Mercator Risk Services specializes in placing distressed or unusual D&O accounts, including those with prior claims or financial impairments. Is employment practices liability (EPL) included with the D&O coverage?Many nonprofit and private company policies can include EPL as part of the coverage package. Availability depends on the market and client profile. What are the minimum premiums and deductibles?Minimum premiums typically start at $950, with deductibles as low as $0, depending on class and underwriting criteria. Do I need to use a specific application to submit a risk?No, Mercator can often begin with an existing application (other than a renewal app) or provide a specialized one tailored to your client’s needs. Need help placing an account? Connect with a market specialist.