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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...

...eating these professionals as full title agents with broader liability exposur... Fox Point program?Firms that perform title searches, chain-of-title work, and related documentation tasks without issuing title insurance or operating escrow are ...

... 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...

Overview of the Program from Preferred Concepts LLC Preferred Concepts LLC offers access to a Real Estate Professional Liability program administered by Mercator Risk Services. This program provides tailored professional liability solutions for a wide range of real estate-related professionals and operations. If you place real estate accounts, this market can help you address errors & omissions exposures, reputation risks, and claims arising from professional services and advisory activities. Who this program is designed for Real estate agents and brokers Property managers and condominium associations Escrow and closing agents Licensed appraisers Mortgage brokers and bankers Home inspectors and field investigators Land surveyors Radon and environmental testing professionals Ideal accounts and appetite This program is a good fit for typical small-to-mid-size professional practices and firms that provide real estate-related services. Mercator Risk Services also handles hard-to-place, distressed, and unusual accounts — so you can submit higher-risk files or accounts with prior claims that need a specialist underwriting review. Fits: independent agents, small brokerages, single-location appraisers, local property managers, home inspectors with routine business operations. Consider for harder placements: accounts with prior E&O claims, unusual operations, or elevated exposures — underwriting will evaluate on a case-by-case basis. Typically not a fit: large national brokerages with complex deployment models (submit for review), or operations outside typical professional service exposures without prior conversation with underwriting. Coverage highlights and advantages Professional liability (E&O) coverage for acts, errors, and omissions arising from professional services. Flexible limits and policy structures through access to various carriers. Ability to consider non-standard and higher-risk accounts that many admitted markets decline. Underwriting support from Mercator Risk Services for complex or distressed placements. Underwriting notes and minimums Underwriting decisions are made by Mercator Risk Services with access to multiple carrier partners. Provide detailed applications, loss runs, and any contracts or engagement letters to speed review. Minimum premium and program terms vary by carrier and state — please contact the underwriting team to confirm minimum premiums and available limits for a specific submission. Territories and availability This program is available in the following states: 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, WY. Coverage availability and terms can vary by state and carrier. How to place business and contact Preferred Concepts LLC brokers and agents can submit accounts to Mercator Risk Services for review. For specific submissions, underwriting questions, or placement assistance, call (860) 527-9717 or send an e-mail to [email protected]. You can also review Mercator's product information and applications on their website at www.mercatorpro.com. Why work with Preferred Concepts LLC and Mercator Risk Services on Real Estate Professional Liability Specialized underwriting for real estate-related professional risks. Access to multiple carriers and the ability to consider hard-to-place risks. Responsive support for agents when accounts require explanation or tailored terms. Example accounts that often place well here A single-office residential appraiser with limited prior claims seeking professional liability limits and defense cost coverage. A property management firm with multiple small rental properties and routine tenant disputes looking for an E&O policy that complements their general liability program. Frequently Asked Questions What types of real estate professionals are a good fit for this program?Agents, property managers, escrow agents, appraisers, mortgage brokers, home inspectors, surveyors, and radon testers are common fits. The program also accepts harder-to-place or distressed accounts for underwriting review. What information does underwriting need for a submission?Provide a completed application, current loss runs (if any), a description of operations, standard contracts or engagement letters, and any prior discipline or licensing issues. Detailed files speed the review and improve placement chances. Are prior claims acceptable?Yes — Mercator Risk Services will consider accounts with prior E&O claims. Acceptance depends on the claim history, corrective actions taken, and the nature of the operations; each file is reviewed individually. How quickly can I expect a decision?Turnaround depends on the complexity of the submission and the completeness of documentation. Straightforward accounts may receive quick decisions; complex or high-exposure files require more detailed underwriting and may take longer. Need help placing an account? Connect with a market specialist.

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

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.

Mortgage Brokers / Bankers Preferred Concepts LLC places professional liability and Errors & Omissions (E&O) coverage for mortgage brokers and mortgage bankers through Mercator Risk Services. The program is designed for producers who need professional liability solutions for real-estate-related lending professionals — including accounts that are routine as well as those that are hard to place or have previous loss activity. Overview of the Program Mercator Risk Services provides underwriting and placement for a broad range of mortgage broker and mortgage banker exposures. The program addresses the practical errors and omissions risks that arise from the loan transaction lifecycle — from application and appraisal to closing and servicing. Preferred Concepts LLC can help you evaluate submissions and route accounts to Mercator for consideration. Common Claims & Exposures Errors by the mortgage broker or banker in loan origination or documentation Errors in closing or settlement services Mortgage servicing mistakes (payment posting, escrow handling, etc.) Failure to order, obtain, or properly document appraisals Failure to obtain or maintain required hazard insurance Ideal Accounts and Appetite This program fits: Independent mortgage brokers and broker-dealers arranging residential or small commercial loans Mortgage bankers that originate and service loans on behalf of lenders Accounts with complex placement needs — including distressed, financially impaired, or previously litigated accounts Typically acceptable: standard E&O risks as well as hard-to-place accounts with prior claims or financial impairment. Accounts that fall outside underwriting appetite will be identified during submission review. Coverage Highlights and Advantages Professional liability / Errors & Omissions coverage tailored to real-estate lending professionals Ability to consider accounts with prior claims or financial challenges Flexible underwriting — Mercator can often work from an application you already have or provide a tailored application for the account Access to multiple carrier relationships through Mercator’s wholesale platform Underwriting Notes Mercator can typically start with an existing application (except in the case of renewals) or supply a specialized application when needed. Disclose prior claims, regulatory actions, and financial impairment up front to accelerate placement. Hard-to-place accounts are handled case-by-case; clear, complete submissions with supporting documents improve chances for placement. Territories and Availability Available through Preferred Concepts LLC / Mercator Risk Services in the following 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. Example Account Scenarios You have a small mortgage brokerage that sources residential loans for multiple lenders and needs E&O coverage after a borrower alleged appraisal-related errors — Mercator’s program may consider the account, including prior allegations. A mortgage banker with in-house servicing has a history of an escrow mishandling claim; you need a market that will review the facts and consider placement despite prior loss — this program handles such hard-to-place files. Why Place This Business With Preferred Concepts LLC Preferred Concepts LLC provides access to Mercator Risk Services’ specialty underwriting for mortgage brokers and bankers. That means you get a wholesale platform experienced with professional liability for lending professionals, flexibility to submit unusual or distressed accounts, and support through the underwriting process. Hard to Place: Mercator routinely handles hard-to-place, distressed, and unusual accounts — including those with prior claims or financial impairment. Tell us about your client’s needs and we’ll help determine the best submission approach and coverage options. For more information, please call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on their products, insurance applications, and Specialty Lines insurance information on their Web site www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that typically fit include independent mortgage brokers and mortgage bankers involved in origination, closing, or servicing. The program is also suited for hard-to-place accounts with prior claims or financial impairment, provided the submission includes full details. Can Mercator consider accounts with prior claims or regulatory actions?Yes. Mercator regularly reviews accounts with prior claims or regulatory issues. Provide complete loss histories, regulatory documentation, and remediation steps in your submission to give the underwriter the best context. What documentation should I include with a submission?Include a current application, loss runs, copies of any regulatory correspondence, sample engagement letters or contracts, and details on corporate structure and servicing practices. If you have a client application already prepared, Mercator can generally start from that form. Are there state restrictions or licensing requirements I should be aware of?Availability is broad across the listed states, but individual underwriting may consider state-specific licensing or regulatory histories. Submit the client’s licensing information and any relevant state actions to speed review. Need help placing an account? Connect with a market specialist.

Overview of the Program from Preferred Concepts LLC Preferred Concepts LLC places professional liability coverage for private equity and hedge fund managers through Mercator Risk Services and a panel of specialty carriers. This program is designed for investment managers who need errors & omissions (E&O) and management liability protection for claims arising from fiduciary duties, alleged misrepresentation, administrative errors, performance disputes and related litigation expenses. Defense costs are frequently a large portion of total loss for investment professionals; this program emphasizes defense-cost coverage and market access for difficult placements. Ideal Accounts and Appetite Private equity fund managers, general partners and fund sponsors Hedge fund managers and commodity trading advisors with pooled investment vehicles Managers with institutional and high-net-worth investors, family offices, or feeder funds Distressed, hard-to-place or financially challenged accounts, including those with prior claims (underwriting review required) Generally fits managers with clearly documented investment guidelines and governance practices. Strategies with extreme leverage, significant regulatory enforcement history, or material undisclosed conflicts will require additional underwriting and may be excluded. Coverage Highlights and Advantages E&O / Professional Liability coverage tailored to investment management activities Emphasis on defense costs and management time expenses associated with investor disputes and litigation Capacity to handle allegations arising from poor performance, deviation from mandate, misrepresentation or failure to disclose Access to multiple carriers — suitable for both standard and hard-to-place accounts Experienced underwriting that understands how claims are often structured by plaintiffs and how to respond Underwriting Notes and Applications Preferred Concepts LLC and Mercator Risk Services can usually work from an application you already have on file (other than a renewal), or they can supply a specialized application for the account. Provide complete information on strategy, fund structure, investor profile, prior claims, and controls to speed placement. The program will consider accounts with prior claims or financial impairment on a case-by-case basis; full disclosure at submission produces faster, more competitive quotes. Territories and Availability This program is available through wholesale broker placement in the following states: 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. Multiple carrier options include admitted and non-admitted markets; please confirm availability for your state and account characteristics at submission. Why Work with Preferred Concepts LLC on This Business Preferred Concepts LLC leverages Mercator Risk Services' specialty underwriting expertise and placement relationships to provide agents with practical solutions for investment-manager liability. The program helps you place accounts that may be hard to place elsewhere, offers flexibility on applications, and focuses on minimizing management disruption and litigation exposure for your clients. For carrier access and submission guidance, use the Mercator contact information in the application materials (phone and email provided in the program literature). Example Accounts That Fit This Program You have a mid-sized private equity sponsor with several portfolio companies and institutional limited partners seeking primary E&O limits and defense-cost coverage following a recent valuation dispute. You represent a small hedge fund employing a quantitative strategy whose investor has alleged breach of mandate; the fund needs professional liability protection and a market that understands model risk disputes. Additional Submission Details When submitting, include a current application, fund offering documents, SOPs for trading and valuation, a claims history report, and biographies of key investment personnel. Clear documentation of investment mandates and disclosure practices improves placement prospects and pricing. Frequently Asked Questions What types of accounts are a good fit for the Private Equity and Hedge Funds program?Managers of private equity funds, hedge funds, and pooled investment vehicles with documented investment mandates and governance controls are the primary fit. The program also considers hard-to-place or distressed accounts, subject to underwriting review. How do I start a submission through Preferred Concepts LLC?Provide a completed application (or ask for the specialized Mercator application), fund documents, key personnel bios, and claims history. Full disclosure of strategy, investor profile and any prior claims will speed underwriting and improve quote accuracy. Can this program handle accounts with prior claims or financial impairment?Yes. Preferred Concepts LLC and Mercator Risk Services routinely evaluate accounts with prior claims or financial issues. These accounts are handled on a case-by-case basis and typically require more detailed submission materials. Are admitted markets available in all states?The program accesses a mix of admitted and non-admitted carriers. Availability varies by state and account characteristics, so confirm admitted status and carrier options at the time of submission. Need help placing an account? Connect with a market specialist.

Products Liability Coverage from Mercator Risk Services Mercator Risk Services, offered through Preferred Concepts LLC, provides tailored placement solutions for hard-to-place products liability accounts. We focus on risks that fall outside the standard market because of their complexity, unusual nature, or elevated exposure. Our underwriting experience and market access help agents and brokers place challenging product-related risks efficiently. Ideal Accounts and Appetite This program is well-suited for: Manufacturers or distributors of new, innovative, or niche products Companies with a history of products liability claims Businesses undergoing ownership changes, mergers, or acquisitions Firms experiencing rapid growth or expanding distribution nationally Producers of higher-hazard products that are difficult to place in the standard market We also consider discontinued products and tail coverage solutions, though tail options have become more limited in the current market. Coverage Highlights and Advantages Preferred Concepts, working with Mercator Risk Services, offers both occurrence and claims-made forms to match an account’s exposure and placement goals. Claims-made programs can be especially useful for start-ups and higher-hazard manufacturers because they often provide lower initial premiums and more predictable costs in early years. Key advantages: Access to a variety of carriers for customized placements Flexible policy structures tailored to unique product exposures Consideration for discontinued-product exposures and tail solutions where available Underwriting Notes Each submission is reviewed on its own merits. Underwriting focuses on product type, manufacturing and quality controls, distribution scope, and loss history. While there is no published minimum premium, pricing depends on risk complexity and market conditions. To speed quoting, include a complete application, detailed product descriptions, current loss runs, any recall or claim history, and relevant safety or marketing materials. Information about manufacturing processes, testing protocols, and risk control measures is helpful for favorable consideration. Territories and Availability This products liability program is available in all 50 states and the District of Columbia, with admitted options in select states depending on carrier appetite and risk class. Key states commonly placed include CA, NY, TX, FL, IL, and GA. Why Work With Preferred Concepts and Mercator Risk? Preferred Concepts LLC, in partnership with Mercator Risk Services, brings niche underwriting expertise and responsive service to help you place difficult products liability accounts. We understand specialty risks and maintain carrier relationships that can handle non-standard exposures. Whether your client is a start-up launching a novel device or a manufacturer with prior claims, we work to identify appropriate markets and structure terms that address the exposure. Example scenarios you can place through this program: A small manufacturer launching an innovative consumer device with limited sales history that needs a claims-made program to manage early-year premiums. A distributor with a prior products liability loss seeking new carriers and tailored limits while expanding into additional states. For more information, call (860) 527-9717 or email [email protected]. You can also visit our website at www.mercatorselect.com for applications and additional product details. Frequently Asked Questions What types of accounts are a good fit for this Products Liability program?This program is ideal for manufacturers, importers, or distributors of hard-to-place, high-hazard, or innovative products—especially accounts with prior losses or those undergoing business transitions. Is coverage available nationwide?Yes. The program is available in all 50 states and Washington, DC. Admitted coverage is offered in select states depending on the risk class and carrier appetite. Do you offer claims-made or occurrence coverage?Both forms are available. Claims-made coverage is often chosen for start-ups or higher-risk accounts because it can offer premium flexibility early in the policy period. Can you help with companies that have prior liability claims?Yes. We specialize in placing accounts with prior claims and leverage carrier relationships to find workable coverage solutions. What documentation is needed to submit a risk?Typical submissions should include a completed application, detailed product descriptions, current loss runs, and any relevant marketing, safety, or testing materials. Need help placing an account? Connect with a market specialist.