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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.

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.