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Zoos and aquariums are more than attraction...itions, and festivals associated with zoos and aquariums can be covered under ...

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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.

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Catastrophic accident medical insurance solutions for colleges and universities insuring their student athletes participating in intercollegiate athletic programs. Coverage can extend to college club and intramural programs. Eligible Operations for College Athletic Catastrophic Accident Medical Insurance: - Intercollegiate (NCAA/NJCAA/NAIA) athletic programs - Collegiate clubs and intramural sports programs Coverages Available & Program Highlights: Excess Accident Medical - Up to $5,000,000 Policy limit - Minimum Deductible is $25,000 - Expanded Medical coverage - Coverage for HMO/PPO denials - Coverage for pre-existing conditions - Cat Cash Benefit option up to $500,000 - 10 Year Benefit Period (Lifetime Benefit Period option available) Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

The short term special event insurance program is designed for organizers of short term special events that meet the following criteria: - Total attendance is 12,000 or less - Maximum number of consecutive event days is 10 not including set-up or tear-down - Event is head at a single location (except for weddings - coverage can be extended to include the rehearsal, ceremony, and reception as a single event) - Event must take place in the United States Eligible Operations for Short Special Term Event Insurance: (Including but not limited to) - After-prom party insurance school-sponsored event only) - Pageant insurance - Party insurance - Auction insurance - Quinceanera insurance - Award presentation insurance - Recital insurance - Banquet insurance (dance, music) - Bazaar insurance - Religious event insurance - Car/Motorcycle/RV/Boat - Reunion insurance show insurance - School band or drill team (static display only) competition insurance - Concert insurance - School carnival insurance - Charity event insurance (no rides/inflatables) - Concert insurance - Show insurance (animals-arena (call for approval) setting only, art, baby, craft, etc.) - Convention insurance - Debut or debutant - Social gathering/reception insurance ball insurance - Speaking engagement insurance - Festival insurance - Theatrical performance insurance - Flea market insurance - Wedding activity insurance - Graduation ceremony insurance (rehearsal, ceremony or reception) - Job fair insurance - Lecture insurance - Meeting insurance - Walking tour insurance (garden, holiday, parage of homes, historical sites)-single location parties Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You - Medical Expense - No Charge for Certificates of Insurance - Host Liquor Liability Included Liquor Liability - Primary (not available in AK, DC, HI, IA, MI) Increased Medical Expense (optional and not available online) K&K Insurance Group offers sports and recreations websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and leisure industry and is pleased to offer this innovative design for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following site: www.eventinsurance-kk.com New! A Walk/Run Program designed specifically for competitive or non-competitive events. Please visit www.WalkRunInsurance-kk.com to apply online. Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

K&K Insurance Group offers fitness instructor insurance designed to defend and indemnify instructors for alleged negligence resulting in bodily injury and property damage while performing their duties. Must be an instructor who directly supervises an individual or group in sports, fitness, dance or martial arts-related activities. Eligible Operations for Instructor Insurance: Fitness Instructors and Personal Trainers: - Acro dance instructor insurance - Hoop fitness instructor insurance - Acrobatic/partner yoga insurance - Aerial/anti-gravity/suspended yoga instructor insurance (certified - Personal training instructor insurance - Pilates instructor insurance instructors only) - Aerobic instructor insurance - Qigong instructor insurance - Spinning instructor insurance - Aquatic exercise instructor insurance - Cardio kickboxing instructor - Strength instructor insurance - Tai Chi instructor insurance insurance - Children's fitness instructor insurance - Exercise instructor insurance - Tumbling instructor insurance (floor only, no gymnastic apparatus) - Yoga instructor insurance - Fitness bootcamp instructor insurance - GYROTONIC® instructor insurance - Zumba® stroller based instructor insurance Yoga Instructor: - Acrobatic/Partner yoga - Iyengar yoga insurance - Aerial/anti-gravity/suspended yoga insurance (certified instructors only) - Jivamukti yoga insurance - Kripaula yoga insurance - Kundalini yoga insurance - Ananda yoga insurance - Anusara yoga insurance - Mysore yoga insurance - Power yoga insurancc - Ashtanga yoga insurance - Dharma yoga insurance - Prenatal & Postnatal yoga insurance - Forrest yoga insurance - Hatha yoga insurance - Hatha Flow yoga insurance - Hot yoga insurance - Restorative yoga insurance - Sivanada yoga insurance - Vinyasa yoga insurance - Yin yoga insurance Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Professional Liability - Medical Expense (other than participants) - Bodily Injury to Participants - Damage to Premises Rented to You K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative technology for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following sites: www.fitnessinsurance-kk.com – fitness instructors Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

Professional Liability Solutions from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) is a wholesale broker offering comprehensive Professional Liability (E&O) solutions for non-traditional and specialized professions. With access to multiple non-admitted carriers, BSR helps agents and brokers place accounts that often fall outside standard admitted markets by providing flexible underwriting and tailored policy structures. Ideal Accounts and Target Industries This Professional Liability program is built for both traditional and niche professional classes. Typical accounts include: Miscellaneous professionals — computer consultants, home inspectors, title agents, and other technical or advisory firms whose exposures may not fit standard forms. Medical professionals and services — diagnosticians, technicians, nurses, physicians, surgeons, CRNAs, perfusionists, and laboratories that require specialized liability protection. If your client provides specialized consulting, technical services, or healthcare support, this program offers solutions that can be adapted to those unique exposures. Coverage Highlights and Advantages BSR’s Professional Liability program emphasizes flexibility and carrier access to place both routine and hard-to-place risks. Key advantages include: Coverage tailored to the risk profile of each professional class Access to multiple non-admitted carriers for customized terms Ability to place both standard and specialty professions Support for primary and excess placements where available These options help protect insureds from claims of negligence, errors, and omissions across a range of services and specialties. Underwriting Notes All submissions are individually underwritten. BSR leverages a variety of non-admitted markets to secure capacity and craft policy language for accounts that may not qualify for admitted carriers. There is no stated minimum premium; final pricing depends on class of business, exposure details, limits, and other underwriting factors. Territories and Availability This Professional Liability program is available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY. Why Work With Bailey Special Risks, Inc.? BSR brings decades of specialty insurance experience and broad carrier access, making them a strong partner for placing complex or non-standard professional liability risks. Their underwriting focus and market relationships help you find capacity and structure for accounts that are difficult to place in admitted markets. Example scenarios that fit this program: You have a freelance IT consultant who advises healthcare clients and needs an E&O policy with technology and healthcare exposures considered. A newly formed diagnostic laboratory needs Professional Liability coverage before onboarding clients or signing vendor contracts. For agents who need responsive underwriting and access to specialty carriers, BSR can help structure terms and locate suitable markets. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited for miscellaneous professionals (IT consultants, inspectors, title agents) and medical-related classes (technicians, nurses, physicians, labs) that require tailored E&O protection. Is this coverage placed on an admitted basis?No. BSR’s Professional Liability program is offered on a non-admitted basis through a panel of carriers to increase placement flexibility. Can I submit accounts outside the medical and consulting sectors?Yes. BSR will review a wide range of professional liability risks. Submit the details and their underwriting team will advise on eligibility and market fit. What states is this program available in?The program is available in most states, including CA, TX, FL, NY, IL, and many others. See the full list above for details. Does BSR help with hard-to-place or unusual risks?Yes. BSR specializes in placing unique and hard-to-insure professional liability accounts using its wide carrier access and underwriting expertise. Need help placing an account? Connect with a market specialist.