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Trustee Liability Insurance – E&O for Trustees Tennant Risk Services specializes in professional liability solutions tailored to trustees and trust-related exposures. Our Trustee Liability Insurance program provides comprehensive Errors & Omissions (E&O) coverage for individuals and entities serving in trustee roles, including complex family trusts, irrevocable trusts, and trusts involving non-traditional or non-liquid assets. Whether your client is a professional trustee, a family member acting in a fiduciary role, or managing multiple trust entities, we have the expertise and market access to help you place these challenging accounts. We support retail agents and brokers nationwide with competitive pricing, fast turnaround, and a deep understanding of trustee liability exposures. Our team works with a variety of insurance carriers—both admitted and non-admitted—in select states to provide flexible coverage solutions based on risk complexity, size, and territory. Ideal Accounts and Appetite Tennant Risk Services is well-positioned to assist with both standard and hard-to-place trustee E&O risks. We welcome accounts with: Multiple trusts within a single portfolio Non-liquid or specialty assets (e.g., privately held businesses, real estate, collectibles) Beneficiaries also serving as trustees Unusual or custom trust structures Accounts with prior claims or adverse loss histories Example scenarios include: A family member acting as trustee for several generations of family trusts with diverse asset classes A CPA or attorney serving as trustee for multiple clients with non-liquid holdings Coverage Highlights and Advantages Our trustee E&O program offers: Simple, specialty-specific application process Low minimum premiums (varies by carrier) Multiple limit and deductible options to fit risk profiles Access to a wide range of A-rated markets Coverage tailored for fiduciary duties and trust management exposures With our in-depth knowledge of trustee responsibilities and exposures, we help ensure your clients are protected against claims of mismanagement, breach of fiduciary duty, and other common liabilities. Underwriting Notes and Minimum Premiums Our underwriting approach is flexible and responsive. We evaluate each submission based on the complexity of the trust arrangement, size of the trust assets, trustee role, and any prior loss history. Minimum premiums vary by carrier and account characteristics. We encourage agents to reach out early with any challenging or unique accounts to explore available options. Territories and Availability Trustee Liability Insurance through Tennant Risk Services is available in most states, including but not limited to: CA, TX, FL, NY, IL, GA, PA, and NJ. Admitted options are available in some states, while others may be written on a non-admitted basis depending on the risk profile and carrier. Our team will help determine the best fit for your client's location and needs. Why Work With Tennant Risk Services? As a Managing General Agency and Excess & Surplus Lines Broker, Tennant Risk Services brings unmatched expertise in professional liability, E&O, D&O, EPL, and Cyber Risk products. We are known for: Specialty focus on trust and fiduciary liability Strong carrier relationships and market access Exceptional service and responsiveness Willingness to write tough or non-standard accounts Contact us to discuss your client's trustee liability needs or to submit an account for underwriting. We look forward to helping you place this specialty business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include individual or professional trustees managing family trusts, multiple trusts, or trusts with non-liquid or complex assets. We also consider accounts with prior claims or unique structures. Is this program available in all states?The program is available in most U.S. states, including CA, TX, FL, NY, and many others. Admitted options may be available depending on the state and risk. Can you help with accounts that have prior losses?Yes, we have experience placing accounts with adverse loss histories. Each account is individually underwritten based on the circumstances and risk profile. What is the application process like?We offer a streamlined specialty application designed specifically for trustee E&O risks. Submissions can be made via email for quick review and turnaround. What carriers do you work with for this coverage?We work with multiple carriers, both admitted and non-admitted, depending on the state, size, and nature of the risk. Need help placing an account? Connect with a market specialist.

Preferred Concepts LLC, in partnership with Mercator Risk Services, offers a focused Architects & Engineers (A&E) Professional Liability program for a broad range of design and technical professionals. The program gives agents and brokers access to markets that handle both standard placements and hard-to-place A&E accounts. Whether your client is a sole practitioner or a larger firm with complex exposures, Mercator provides underwriting expertise and market relationships to help you place the business efficiently. Ideal Accounts and Appetite The program targets virtually all A&E classes, including: Residential and commercial architects Civil, structural, mechanical, electrical and HVAC engineers Construction managers and design/build firms Forensic engineers and telecommunications engineers Interior designers, landscape architects and urban planners Land surveyors Mercator is experienced with distressed and hard-to-place submissions. Clients with prior claims, unusual operations, or atypical risk profiles are routinely reviewed; many can be placed with appropriate underwriting and policy structure. Coverage Highlights and Advantages Mercator places A&E professional liability through several specialty carriers and can tailor solutions for specific operations and project exposures. Key program features include: Flexible form options: claims-made or occurrence Optional extensions for pollution, cyber, and technology-related liabilities Prior acts coverage available subject to underwriting Non-admitted placements that provide broader underwriting flexibility for complex or niche risks The program accommodates a wide variety of project types, from local residential work to large infrastructure projects. Underwriting Notes and Minimum Premiums Underwriting is pragmatic and submission-driven. Mercator will usually accept an existing application to begin review (renewal applications are excluded), or they can supply the appropriate form. Pricing is competitive and depends on class, revenue, project exposure, and loss history. If a submission is challenging, Mercator’s team will discuss structure options that improve placement prospects. Territories and Availability This Architects & Engineers program is available nationwide — all 50 states and the District of Columbia — enabling you to place business across your territory with consistent access to Mercator’s carrier panel. Why Work With Preferred Concepts and Mercator Risk Services? Preferred Concepts acts as a wholesale broker, pairing agents with Mercator’s specialty underwriting and market access. Mercator brings decades of experience placing professional liability for design professionals and focuses on service for accounts that fall outside standard underwriting boxes. From quick quote turnarounds to tailored submission strategies for difficult risks, Mercator supports agents throughout the placement process. For more information, call (860) 527-9717 or email [email protected]. You can also explore applications and product details at www.mercatorpro.com. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Architects & Engineers program?This program fits a wide range of A&E professionals—architects, civil and structural engineers, construction managers, design/build firms, and related design disciplines. Both standard and distressed risks are considered. Can I submit an existing application to get started?Yes. Mercator typically accepts standard applications (renewal applications are excluded). If you don’t have one, they will provide the appropriate form. Is this program admitted or non-admitted?This program is non-admitted, which allows broader underwriting flexibility and access to specialty markets for complex or hard-to-place risks. Which states is this program available in?The program is available nationwide, including all 50 states and the District of Columbia. What if my client has prior claims or is considered high-risk?Mercator has experience placing hard-to-place and distressed A&E accounts. Provide full loss details and firm operations up front so they can evaluate placement options and structure to address the exposure. 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.

Professional Liability Coverage for Investment Brokers and Dealers Preferred Concepts LLC, through Mercator Risk Services, offers tailored professional liability solutions for a wide range of investment professionals. This program is specifically designed to address the complex risk exposures faced by Registered Investment Advisors (RIAs), Broker/Dealers, consultants, hedge fund managers, private equity firms, and other investment-related entities. With access to various carriers and specialized underwriting expertise, Mercator helps agents and brokers place both standard and hard-to-place accounts nationwide. Ideal Accounts and Appetite This program is best suited for: Registered Investment Advisors (RIAs) Broker/Dealers Private Equity and Venture Capital Funds Hedge Fund Managers Investment Consultants Trusts, Distributors, and Administrators Mercator Risk Services also has the capability to handle distressed, financially impaired, and claims-prone accounts. If you have clients with prior claims or complex operations, this program can offer solutions where standard markets may fall short. Coverage Highlights and Risk Management Value Investment professionals face significant E&O exposures, primarily from dissatisfied investors alleging mismanagement, administrative errors, or investment underperformance. Claims often arise from: Failure to follow investment plans or strategies Negligence or misrepresentation Operational or administrative mistakes Regulatory investigations and compliance failures Defense costs and reputational harm can be substantial. This program provides access to professional liability coverage designed to safeguard against both the frequency and severity of these claims. The focus is on protecting your client’s assets, reputation, and ability to operate effectively. Underwriting Notes and Application Process Mercator can typically begin the underwriting process using an existing application (excluding renewals) or provide a specialized application tailored to your client’s unique needs. Accounts with prior loss history or financial difficulties are not automatically excluded—Mercator specializes in evaluating and placing challenging risks. States Where Coverage Is Available This non-admitted program is available in all 50 states, including DC. Whether your client is located in California, New York, Texas, Florida, or any other state, Mercator Risk Services can help you secure the right coverage. Why Work With Preferred Concepts and Mercator Risk Services? Mercator Risk Services, offered through Preferred Concepts LLC, brings deep expertise in professional liability for investment-centric organizations. As a wholesale broker with broad market access, they offer flexible solutions, quick turnaround, and expert guidance on complex financial service accounts. You might have a client who is launching a new hedge fund or managing a small RIA firm that recently faced a legal challenge. These are the types of accounts Mercator can confidently assess and help you place—whether they’re clean risks or distressed operations. To learn more or to discuss a specific risk, contact Mercator Risk Services at (860) 527-9717 or email [email protected]. Additional resources and applications are available at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for RIAs, broker/dealers, hedge funds, private equity funds, and other investment professionals—including those with prior claims or unique risk profiles. Can you place accounts with a history of claims or financial distress?Yes. Mercator Risk Services specializes in hard-to-place and distressed accounts, including those with claims history or financial impairment. Is this program available in all states?Yes, this non-admitted program is available nationwide, including all 50 states and the District of Columbia. What information is needed to start the underwriting process?Mercator can typically use an existing E&O application (except for renewals) or provide a custom application tailored for your client’s operations. What are the main risks covered under this professional liability program?The program protects against investor lawsuits, regulatory actions, administrative errors, and other professional liability exposures common to investment firms. Need help placing an account? Connect with a market specialist.

Comprehensive E-Professionals Coverage from Preferred Concepts LLC Preferred Concepts LLC, through Mercator Risk Services, offers tailored professional liability coverage for a broad range of e-professionals. As the digital economy expands, many traditional policies fall short when it comes to internet-related exposures. Mercator addresses this gap by offering custom solutions that combine professional liability and cyber risk coverage—ideal for professionals whose work intersects with technology and digital communications. Ideal Accounts and Appetite This program is designed for e-professionals who may not fit neatly into traditional professional liability categories. Target classes include, but are not limited to: Web developers and designers IT consultants and tech service providers Digital marketing agencies Software developers and SaaS providers eCommerce consultants You might have a client whose current E&O policy excludes internet-related exposures or whose cyber policy doesn't adequately cover their professional services. This program is built to close those gaps. Coverage Highlights and Advantages Mercator’s specialized e-professionals liability solution is broader than traditional professional or miscellaneous liability policies. Key features may include protection against: Unauthorized access and data breaches Introduction of malware or viruses Online libel, slander, and defamation Copyright and intellectual property infringement Unlike many standard policies, this solution is structured to account for both cyber risks and the professional services that trigger E&O exposures. Whether your client is starting up or scaling fast, this program can adapt to fit their unique needs. Underwriting Notes and Submission Process Mercator Risk Services can typically begin the submission process using an existing application (excluding renewal forms), or they can provide a specialized application tailored to your client’s operations. They also handle distressed or hard-to-place accounts, including those with prior claims or financial challenges. There is no listed minimum premium, and pricing varies based on the nature and scope of services provided. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. It is written on a non-admitted basis through various carriers, providing flexibility in underwriting terms and coverage customization. Why Work With Preferred Concepts LLC? Preferred Concepts LLC, through its partnership with Mercator Risk Services, brings niche underwriting expertise and access to specialty markets for e-professionals. Their team understands the complexity of combining cyber and professional liability in one streamlined solution. You’ll benefit from responsive service, flexible applications, and market access that helps place even your most unconventional accounts. For more details, visit their company profile or check out the e-Professionals program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for e-professionals such as IT consultants, web developers, digital marketers, and SaaS providers who need combined E&O and cyber risk coverage. Can the program accommodate clients with prior claims?Yes. Mercator Risk Services can consider distressed or hard-to-place accounts, including those with prior claims or financial issues. Is this coverage available in all states?Yes, the program is available in all 50 states and Washington, D.C., on a non-admitted basis through various carriers. What types of exposures are typically covered?Coverage may include unauthorized access, malware introduction, online libel or defamation, and copyright infringement related to professional services. How do I submit an application?You can submit using an existing application (excluding renewal forms), or request a specialized application from Mercator Risk Services. Need help placing an account? Connect with a market specialist.