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HCC Specialty Underwriters, Inc. offers a flexible and comprehensive Special Event Liability Insurance program designed to help agents and brokers place coverage for a wide range of public and private events. Whether your client is organizing a festival, concert, tradeshow, wedding reception, or charity fundraiser, this program provides essential protection for third-party bodily injury and property damage exposures that can arise during these activities. Ideal Accounts and Appetite This program is well-suited for agents with clients hosting short-term special events. Target events include: Fairs and festivals Community celebrations and parades Concerts and live performances Trade shows and expos Private parties and receptions Fundraisers and nonprofit events If you have clients planning one-time or recurring events involving vendors, alcohol service, or large crowds, this program can offer tailored coverage options to fit those specific risks. Coverage Highlights and Advantages The Special Event Liability Insurance program from HCC Specialty provides solid general liability protection, with the flexibility to include optional coverages based on event needs: Excess Liability Inland Marine Liquor Liability Non-Owned and Hired Auto Waivers of Subrogation Additional Insureds Coverage can be customized to meet venue requirements and organizer expectations. HCC Specialty also offers a fast, fully automated online quoting and binding system through TotalEvent™ Insurance Online, allowing agents to quote and bind coverage in minutes. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size, scope, and type of event. Underwriting is streamlined, and most standard event types are eligible for instant online quotes. For more complex or unusual risks, a downloadable application is available at this link. Territories and Availability Coverage is available in most states nationwide, including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. The program is written on an admitted basis in most states and is backed by various strong carrier partners. Why Work With HCC Specialty HCC Specialty is a trusted Managing General Agency with extensive experience in underwriting event-related exposures. Their fast turnaround times, online quoting capabilities, and broad underwriting appetite make them an ideal partner for agents placing special event risks. You can offer your clients fast, reliable protection while benefiting from HCC Specialty’s responsive service and broad market access. Frequently Asked Questions What types of accounts are a good fit for this program?Events such as fairs, concerts, weddings, fundraisers, trade shows, and private parties are ideal. The program handles both public and private special events. How quickly can I get a quote and bind coverage?Through the TotalEvent™ Insurance Online system, agents can receive quotes and bind coverage in just a few minutes after registering. Can I add Additional Insureds or request Waivers of Subrogation?Yes, both Additional Insureds and Waivers of Subrogation can be added as needed to meet venue or client requirements. Is Liquor Liability available for events serving alcohol?Yes, Liquor Liability is an optional coverage you can include for events where alcohol is served or sold. What states is this program available in?The program is available in most U.S. states, including CA, TX, NY, FL, IL, and many others. Check for specific state availability when quoting. Need help placing an account? Connect with a market specialist.

Overview — Insurance Agents & Brokers E&O Preferred Concepts LLC offers access to a dedicated Insurance Agents and Brokers Errors & Omissions (E&O) program through Mercator Risk Services. This wholesale placement option is designed for independent agents and brokers who need professional liability protection for mistakes, omissions, and disputed professional services. Mercator places coverage with various admitted and non-admitted markets, providing flexibility for routine and more complex accounts. Target Classes and Ideal Accounts Retail agents and brokerage firms Wholesale and surplus lines brokers Specialty operations and niche producers Underwriting managers and managing general agencies (MGAs/UGAs) Life and group health agents/brokers Reinsurance brokers Mercator also has appetite for hard-to-place, distressed, or unusual accounts. If you have a client with prior losses, unique distribution channels, or unusual exposures, Mercator’s underwriting team can evaluate those situations and provide options. Coverage Highlights and Advantages Professional liability (E&O) coverage tailored to insurance producers and broker errors/omissions. Limits available up to $5,000,000 on a primary basis, with additional limits offered on an excess basis. Access to multiple markets through a wholesale broker relationship—helpful when admitted markets are limited or a specialty appetite is required. Flexibility to consider non-standard and higher-exposure risks that may be declined elsewhere. Underwriting Notes and Minimum Premiums Underwriting is handled by Mercator Risk Services and is evaluated on a case-by-case basis. Minimum premium levels and deductible amounts depend on the size and type of the firm, its loss history, product lines, and overall exposure. Typical submission materials that speed placement include: Completed E&O application Recent loss runs and claims history Summary of operations, revenue, and staff/producer counts Details on any prior disciplinary actions or regulatory issues Territories and Availability This program is available across a broad set of U.S. 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 This Program Wholesale distribution: Preferred Concepts connects you to Mercator’s program markets and underwriting expertise. Specialty handling: Mercator’s team is experienced placing unusual, higher-exposure, or hard-to-place producer E&O risks. Limits and structure: Capacity to place larger limits on a primary basis and to arrange excess layers when needed. Example Scenarios You have a regional retail agency looking for a $1M/$2M professional liability program after a client dispute — this program can provide tailored primary limits and access to excess capacity. A wholesale broker with complex surplus lines placements has a prior loss on file and needs an E&O solution; Mercator will consider the account and work to place it rather than decline up front. For placement assistance or to discuss a submission, contact Mercator Risk Services by phone at (860) 527-9717 or by e-mail at [email protected]. Additional program materials and applications are available on Mercator’s website: www.mercatorpro.com. Frequently Asked Questions What types of producer accounts are a good fit for this E&O program?The program fits retail and wholesale agents, specialty producers, MGAs/UGAs, life/group health brokers, and reinsurance brokers — including accounts that other markets may consider hard to place. What limits and policy structure are available?Primary limits are available up to $5,000,000, with additional excess capacity available. The final structure depends on underwriting review and carrier appetite for the specific account. How is pricing and minimum premium determined?Minimum premiums and deductibles are determined by firm size, type of business, exposure profile, and loss history. Mercator evaluates each submission to provide a tailored quote. What information should I include with a submission?Include a completed E&O application, recent loss runs, a description of operations/revenues, and any relevant regulatory or disciplinary history to help expedite underwriting. Can this program handle accounts with prior losses or unusual exposures?Yes. Mercator explicitly handles hard-to-place, distressed, and unusual accounts and will review submissions that many standard markets decline. Need help placing an account? Connect with a market specialist.

The miscellaneous professional liability (MPL) market presents a strong opportunity for agents and brokers seeking to expand their E&O offerings. With a wide variety of professionals now offering specialized business, financial, and personal services, the demand for tailored liability protection is growing rapidly. Preferred Concepts LLC, in partnership with Mercator Risk Services, offers a flexible solution for hard-to-place and unique MPL accounts through their Other Miscellaneous Professions program. Overview of the Program From Preferred Concepts This program is designed to serve a broad spectrum of professional service providers who may not fit neatly into traditional E&O categories. Whether your client is a specialty consultant, a marine surveyor, or a data provider, Preferred Concepts can help deliver comprehensive Errors & Omissions Liability coverage through Mercator’s underwriting expertise and market access. Mercator has successfully proposed coverage for over 60 types of miscellaneous professional accounts and is well-positioned to assist with both standard and distressed risks. Applications can begin using your existing forms (excluding renewals), or a tailored application can be provided to match your client’s profession. Ideal Accounts and Appetite This program targets a wide range of non-traditional professionals, including but not limited to: Specialty consulting firms Marine surveyors and safety inspectors Specialty financial and actuarial consultants Data providers, especially in flood insurance or environmental sectors Product development and specialized research firms Inspection, testing, and data processing services You might have a client who provides custom market analysis for third-party investors or a firm offering risk assessments for commercial real estate—these are great examples of accounts that can benefit from this MPL program. Coverage Highlights and Advantages Professionals today face significant liability exposure tied to their advice, services, or data accuracy. This program offers flexible E&O coverage designed to meet the unique risks of miscellaneous service providers. Whether your client is facing increased exposure due to growth or has a claim history that makes standard markets difficult, this program offers a solution. Mercator also considers accounts that are financially impaired or have prior claims—making it a valuable option for clients who have been turned away elsewhere. Underwriting Notes and Minimum Premiums Mercator can often begin the underwriting process with an application you already have on file, streamlining the submission process. If needed, a profession-specific application is available. While minimum premium details may vary by risk, the flexibility in handling distressed or unusual accounts makes this program especially valuable for hard-to-place clients. Territories and Availability The Other Miscellaneous Professions program is available nationwide, including all 50 states and Washington, D.C. This broad availability means you can place business for clients regardless of where they operate in the U.S. Why Work With Preferred Concepts LLC As a wholesale broker with access to various carriers, Preferred Concepts LLC, through Mercator Risk Services, brings deep niche expertise in professional liability placements. Their ability to handle distressed, unusual, or non-standard MPL accounts gives agents and brokers a competitive edge in placing hard-to-fit risks. Their responsive service model and flexibility make them a strong partner for your miscellaneous professional liability needs. For more information or for assistance with a specific account, you may contact Mercator directly at (860) 527-9717 or via email at [email protected]. Additional resources are available at their website: www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for non-traditional professionals such as specialty consultants, marine surveyors, data providers, safety inspectors, actuaries, and other niche service providers. Can you help with accounts that have prior claims or financial issues?Yes. Mercator Risk Services specializes in hard-to-place risks, including accounts with prior claims or financial impairments. Do I need a specific application to submit a risk?You can typically start with any application you already have (except renewal forms). A specialized application is also available if needed. Is this program available in all states?Yes, the program is available in all 50 states and Washington, D.C. What carriers are used for this program?Preferred Concepts works with various carriers to match the best market to your client’s needs. Specific carrier selection depends on the risk profile. Need help placing an account? Connect with a market specialist.

Hard-to-Place Professional Liability Solutions from Preferred Concepts LLC Through Mercator Risk Services, Preferred Concepts LLC offers specialized access to professional liability markets that can handle tough, distressed, or non-standard risks. Whether your client has been declined by standard carriers due to claims history, unusual operations, or financial setbacks, Mercator applies deep industry knowledge, creativity, and access to multiple specialty markets to find solutions. Ideal Accounts and Target Risks This program is built for accounts that standard professional liability markets typically reject. These may include: Firms with prior claims activity or recent losses Businesses with unique or emerging operations Companies undergoing bankruptcy or restructuring Startups or specialty firms in high-exposure sectors Accounts with non-renewals or coverage lapses Example target classes include: Errors & Omissions (E&O): Medical professionals (including telehealth), attorneys, financial advisors, consultants, engineers, and more Directors & Officers (D&O): Public and private companies, distressed organizations, and large non-profits Employment Practices Liability (EPL): Companies with prior EEOC claims, high turnover, or challenging personnel exposures Coverage Highlights Mercator Risk Services is skilled at structuring custom solutions that provide meaningful protection for hard-to-place risks. Coverage options may include: Standalone or blended policies for E&O, D&O, and EPL Flexible underwriting for distressed or claim-heavy accounts Access to a wide range of non-admitted markets Customized policy forms and terms to match unique exposures Example scenarios include: A boutique law firm with multiple E&O claims seeking coverage after standard markets declined A technology-driven utility startup needing specialized E&O coverage tailored to internet-based services A nonprofit organization with a complex board structure requiring custom D&O terms A retail business with prior EPL claims looking for renewed protection Submission and Underwriting Notes To secure the best possible terms, a complete and detailed submission is essential. Please include: A clear description of the insured’s operations and exposures Five years of loss history Completed and signed applications (specific to the desired coverage) Mercator Risk Services works with multiple carriers to design competitive solutions on a non-admitted basis. Available States This program is available in all 50 states and the District of Columbia: 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 and Mercator Risk Services? Preferred Concepts LLC, via Mercator Risk Services, brings deep underwriting expertise and access to a broad spectrum of specialty markets. Their team is responsive, creative, and geared toward solving complex challenges efficiently—saving you time while helping you place difficult risks. Need help placing a tough E&O, D&O, or EPL account? Contact the team at (860) 527-9717 or email [email protected]. You can also learn more and access applications at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for distressed or hard-to-place professional liability risks, including firms with claims history, non-standard operations, or unique exposures in E&O, D&O, and EPL lines. Can I get coverage for a client that has been non-renewed due to recent claims?Yes. Mercator Risk Services specializes in helping agents place accounts that have been declined or non-renewed by standard carriers due to loss history or other underwriting concerns. What documentation is required for submission?A complete submission should include a detailed description of operations, five years of loss history, and a completed application specific to the coverage being requested. Is this program available in my state?Yes. The program is available in all 50 states and the District of Columbia. Who do I contact to get a quote or more information?You can call (860) 527-9717 or email [email protected] to discuss your submission and obtain application materials. Need help placing an account? Connect with a market specialist.

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