Search CompleteMarkets

Title Agents / Title Abstractors / Escrow Agents — Profess...quently Asked Questions What types of title operations are a good fit for this program?Independent title agents, abstractors and escrow agents that perform ...

Title Agents, Escrow Agents, Title Abstractors E&O Insurance Ten...or employment practices coverage to a title E&O policy?Yes. Tennant can pr...

...o help you place coverage for your Title Agent accounts. With a d... states is this program available?The Title Agents E&O program is available in...

Insurance for title agents and escrow agents is getting h...erms. What is the minimum premium for Title Agent E&O coverage?Minimum premium...

... Agency, Inc. offers a specialized Title Agent Insurance program designed to protect Title and Escrow Agents from the financial ...good fit for this program?Independent Title Agents, Escrow Officers, and small...

...Real estate agents and brokers Title and escrow agents Title abstractors Real estate partnersh...roperty managers, real estate agents, title and escrow agents, appraisers, con...

... Specialty insurance agencies and title/escrow agents with prior claims R...

Kidnap & Ransom Insurance Program from Preferred Concepts LLC Preferred Concepts LLC offers a specialized Kidnap & Ransom (K&R) insurance program designed to protect organizations and their employees from the financial and operational impacts of kidnapping, extortion, and related threats. As a wholesale broker with access to multiple markets, Preferred Concepts provides flexible coverage solutions tailored to the unique exposures faced by businesses operating globally. Ideal Accounts and Appetite This program is ideal for companies with employees or executives traveling or stationed overseas, particularly in high-risk regions such as South America, parts of Asia, and Africa. Coverage is also increasingly relevant for U.S.-based firms with international clients, supply chains, or high-profile public exposure. Smaller companies are also showing increased interest in this coverage as international operations expand. Whether your client is a multinational corporation or a mid-sized firm with overseas travel needs, this program can be customized to meet their risk profile. Examples of good-fit accounts include: A consulting firm with staff regularly deployed to Latin America A manufacturing company with executives overseeing production facilities abroad Coverage Highlights and Advantages Kidnap and Ransom insurance provides more than just financial reimbursement—it offers critical support during high-stakes events. Coverage may include: Ransom payments, including funds lost in transit Reimbursement for extortion demands targeting personnel, assets, or products Access to experienced crisis response and security consultants Travel and relocation costs related to covered incidents Coverage for both employees and their family members Policies can be structured with worldwide or region-specific coverage, depending on the client’s needs. Security services offered through the policy can be critical in navigating a kidnapping or extortion event quickly and effectively. Underwriting Notes and Minimum Premiums Underwriting is tailored to the specific risk profile of each company. Key pricing and eligibility factors include: Company size and number of traveling or stationed employees Geographic exposure and frequency of international travel Coverage limits, deductibles, and policy terms Any history of previous incidents Visibility and public exposure of the company The application process is generally simple and confidential. For companies with routine travel to high-risk areas or more complex operational risks, a more detailed underwriting review may be required. While premiums are generally affordable, they can vary significantly based on location and exposure. Territories and Availability This program is available in all 50 states plus the District of Columbia. Coverage is written on a non-admitted basis through various carriers, allowing for flexibility in policy design and underwriting. Why Work With Preferred Concepts LLC Preferred Concepts LLC brings deep experience in specialty lines, including Kidnap & Ransom coverage. As a wholesale broker, they offer market access, underwriting expertise, and responsive service that empower agents and brokers to confidently place challenging and sensitive risks. Their access to multiple carriers ensures competitive options for your clients. To learn more about this program or to request a quote, call (860) 527-9717 or email [email protected]. Additional details and resources are available on their website at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this Kidnap & Ransom program?Ideal accounts include companies with executives or employees traveling or living abroad, particularly in high-risk areas such as South America, Africa, or Asia. This includes consulting firms, NGOs, manufacturers, and financial institutions. Is this coverage available for small to mid-sized businesses?Yes, smaller companies with growing international exposure are increasingly purchasing K&R coverage. The program can be tailored to meet the needs of businesses of varying sizes. What does the underwriting process involve?The underwriting process is generally confidential and straightforward. For standard risks, a short application is often sufficient. More complex risks with high exposure may require detailed underwriting information. Does the policy cover family members of employees?Yes, most policies can be structured to include coverage for family members as well as employees, especially if they are living or traveling overseas due to business needs. In which states is this program available?This Kidnap & Ransom program is available in all U.S. states and the District of Columbia. 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.