Search CompleteMarkets

...hicles, real estate partnerships, private equity structures, and other non-tra...eral partners who have limited or no equity, subject to underwriting review of...

... your client is a public company, private firm, or nonprofit organization, Mer... D&O coverage?Many nonprofit and private company policies can include EPL ...

...vicers, banks, credit unions, and private equity clients. With access to multi...servicers, banks, credit unions, and private equity firms that need lender-placed insu...

...s Homeowners associations Private and recreational clubs Religious...izations, professional associations, private clubs, and other 501(c)(3) or sim...

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.

The miscellaneous professional liability (MPL) market presents a strong opportunity for agents and brokers seeking to expand their E&O offerings. With a wide variety of professionals now offering specialized business, financial, and personal services, the demand for tailored liability protection is growing rapidly. Preferred Concepts LLC, in partnership with Mercator Risk Services, offers a flexible solution for hard-to-place and unique MPL accounts through their Other Miscellaneous Professions program. Overview of the Program From Preferred Concepts This program is designed to serve a broad spectrum of professional service providers who may not fit neatly into traditional E&O categories. Whether your client is a specialty consultant, a marine surveyor, or a data provider, Preferred Concepts can help deliver comprehensive Errors & Omissions Liability coverage through Mercator’s underwriting expertise and market access. Mercator has successfully proposed coverage for over 60 types of miscellaneous professional accounts and is well-positioned to assist with both standard and distressed risks. Applications can begin using your existing forms (excluding renewals), or a tailored application can be provided to match your client’s profession. Ideal Accounts and Appetite This program targets a wide range of non-traditional professionals, including but not limited to: Specialty consulting firms Marine surveyors and safety inspectors Specialty financial and actuarial consultants Data providers, especially in flood insurance or environmental sectors Product development and specialized research firms Inspection, testing, and data processing services You might have a client who provides custom market analysis for third-party investors or a firm offering risk assessments for commercial real estate—these are great examples of accounts that can benefit from this MPL program. Coverage Highlights and Advantages Professionals today face significant liability exposure tied to their advice, services, or data accuracy. This program offers flexible E&O coverage designed to meet the unique risks of miscellaneous service providers. Whether your client is facing increased exposure due to growth or has a claim history that makes standard markets difficult, this program offers a solution. Mercator also considers accounts that are financially impaired or have prior claims—making it a valuable option for clients who have been turned away elsewhere. Underwriting Notes and Minimum Premiums Mercator can often begin the underwriting process with an application you already have on file, streamlining the submission process. If needed, a profession-specific application is available. While minimum premium details may vary by risk, the flexibility in handling distressed or unusual accounts makes this program especially valuable for hard-to-place clients. Territories and Availability The Other Miscellaneous Professions program is available nationwide, including all 50 states and Washington, D.C. This broad availability means you can place business for clients regardless of where they operate in the U.S. Why Work With Preferred Concepts LLC As a wholesale broker with access to various carriers, Preferred Concepts LLC, through Mercator Risk Services, brings deep niche expertise in professional liability placements. Their ability to handle distressed, unusual, or non-standard MPL accounts gives agents and brokers a competitive edge in placing hard-to-fit risks. Their responsive service model and flexibility make them a strong partner for your miscellaneous professional liability needs. For more information or for assistance with a specific account, you may contact Mercator directly at (860) 527-9717 or via email at [email protected]. Additional resources are available at their website: www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for non-traditional professionals such as specialty consultants, marine surveyors, data providers, safety inspectors, actuaries, and other niche service providers. Can you help with accounts that have prior claims or financial issues?Yes. Mercator Risk Services specializes in hard-to-place risks, including accounts with prior claims or financial impairments. Do I need a specific application to submit a risk?You can typically start with any application you already have (except renewal forms). A specialized application is also available if needed. Is this program available in all states?Yes, the program is available in all 50 states and Washington, D.C. What carriers are used for this program?Preferred Concepts works with various carriers to match the best market to your client’s needs. Specific carrier selection depends on the risk profile. Need help placing an account? Connect with a market specialist.

Integrated Risk Facilities, Inc. - Umbrella Facility Preferred Concepts LLC offers the Integrated Risk Facilities, Inc. - Umbrella Facility, a long-standing mono-line umbrella program designed specifically for the Real Estate and Hospitality industries. With available limits up to $250,000,000, this program is built to meet the excess liability needs of complex and high-value property portfolios. Brokers working with commercial real estate owners, hotel operators, and developers will find this facility ideal for accounts requiring substantial umbrella capacity with flexible terms and responsive underwriting. Ideal Accounts and Appetite This umbrella program is tailored for large-scale risks in the following sectors: Commercial and residential real estate portfolios Hospitality properties, including hotels and resorts Mixed-use developments Real estate investment trusts (REITs) and property management firms It is especially well-suited for insureds with sizable assets or operations in multiple states that require high umbrella limits to satisfy lender or contractual requirements. You might have a client who owns a multi-state hotel chain or manages hundreds of residential units—this program can meet their excess liability needs efficiently. Coverage Highlights and Advantages Limits available up to $250 million Mono-line structure allows for standalone umbrella placement Contemporary coverage terms tailored to modern risk profiles Supported by top-tier carriers including ACE, AIG, Chubb, and Zurich Highly competitive pricing relative to industry benchmarks The program is designed to address a wide range of general liability exposures and is backed by financially strong markets, providing you and your clients with confidence in claims-paying ability and long-term program stability. Underwriting Notes and Submission Guidelines While there is no published minimum premium, accounts should be of sufficient size and complexity to benefit from higher umbrella limits. Underwriters will evaluate total insured values, number of locations, occupancy types, loss history, and existing primary coverage structure. Submissions with well-documented risk management practices and clean loss histories are more likely to qualify for preferred terms. Territories and Availability This non-admitted umbrella program is available in 50 states including the District of Columbia. States served include but are not limited to California, New York, Texas, Florida, Illinois, and Georgia. Whether your client operates regionally or nationally, Preferred Concepts can support your placement needs across state lines. Why Work With Preferred Concepts LLC Preferred Concepts LLC is known for its long-tenured specialty programs and deep expertise in real estate and hospitality risks. Their underwriting team offers responsive service and custom solutions for complex and high-limit umbrella placements. With access to premier carrier partners and a commitment to program stability, Preferred Concepts gives brokers the tools they need to secure competitive, reliable umbrella coverage for sophisticated clients. Frequently Asked Questions What types of accounts are a good fit for this umbrella program?Ideal accounts include commercial and residential real estate portfolios, REITs, hotel and resort operators, and property managers with high-value or multi-location exposures. What is the maximum umbrella limit available?The program offers coverage limits up to $250,000,000, depending on the risk profile and underwriting criteria. Is this an admitted or non-admitted program?This is a non-admitted umbrella program, allowing for greater flexibility in coverage terms and underwriting. Which insurance carriers support this program?The facility is backed by leading carriers including ACE, AIG, Chubb, and Zurich, ensuring strong financial stability and claims support. In which states is this program available?The program is available in all 50 states, including key markets like California, Texas, Florida, and New York. Need help placing an account? Connect with a market specialist.

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.

Lawyers Professional Liability Coverage by Preferred Concepts LLC Mercator Risk Services, a division of Preferred Concepts LLC, offers a robust Lawyers Professional Liability (LPL) insurance solution for firms of all sizes — from solo attorneys to practices with 50+ lawyers. Whether your client is a new solo practitioner or a long-established firm with complex exposures, this program provides flexible options for primary, excess, or hard-to-place risks. In today’s legal environment, law firms are increasingly vulnerable to client claims stemming from unrealistic expectations, frivolous lawsuits, or genuine errors. Professional liability insurance is essential protection, and Mercator Risk Services specializes in finding tailored coverage for even the most challenging LPL accounts. Ideal Accounts and Appetite This program is designed for a wide range of legal practices, including those that may be considered difficult to place. Ideal accounts include: High-exposure firms with a concentration in securities or real estate development Newly licensed attorneys starting their own practices Firms undergoing structural changes such as mergers, expansions, or dissolutions Practices with prior claims, disciplinary actions, or loss experience Mercator also specializes in coverage for distressed legal professionals such as: 100% plaintiff’s firms Patent and copyright attorneys Sole practitioners in high-risk areas Firms with significant claims history Coverage Highlights and Advantages Mercator Risk Services works with a variety of carriers to offer flexible and competitive LPL solutions. Coverage is available on a non-admitted basis and can be structured as primary, excess, or tailored for hard-to-place risks. The team can begin evaluating a case using nearly any standard application (excluding renewal applications), or you can request a specialized form for your client’s unique situation. You might have a client who recently left a large firm to start a solo practice — a great fit for this program. Or perhaps you're working with a small firm that’s had prior claims and is struggling to find coverage. Mercator is equipped to help you navigate these placements. Underwriting Notes The LPL market is evolving. While it remains competitive, many underwriters are tightening standards, increasing rates, and non-renewing underperforming books. Mercator’s underwriting team is experienced in assessing distressed and high-exposure risks, offering a valuable resource for agents seeking to place challenging legal accounts. Territories and Availability This program is available in all 50 states and Washington, DC. Whether your client is in California, New York, Texas, or a smaller jurisdiction, you can access this solution through Mercator Risk Services. Why Work With Preferred Concepts LLC Preferred Concepts LLC, through its Mercator Risk Services division, brings deep expertise in professional liability placements. As a wholesale broker with access to multiple carriers, Mercator provides responsive service, specialized underwriting insight, and creative solutions for complex legal risks. By partnering with Mercator, you gain a reliable resource for placing both standard and hard-to-place lawyers professional liability coverage. For more information, call (860) 527-9717 or email [email protected]. You can also visit their website at www.mercatorpro.com for applications and program details. Frequently Asked Questions What types of legal practices are best suited for this Lawyers Professional Liability program?This program is ideal for a wide range of practices—from solo attorneys to larger firms with up to 50+ lawyers. It’s especially effective for hard-to-place accounts such as firms with securities exposure, prior claims, or those undergoing recent structural changes. Can I submit an existing application to start the underwriting process?Yes, Mercator Risk Services can often begin work using an existing application, as long as it is not a renewal form. A specialized application can also be provided if needed. Is this coverage available in all states?Yes, the Lawyers Professional Liability program is available in all 50 states and Washington, DC. What makes Mercator Risk Services a good partner for placing LPL coverage?Mercator brings deep underwriting expertise and access to multiple carriers. They specialize in hard-to-place and distressed legal risks, offering tailored solutions and responsive service to agents and brokers. Does this program cover newly licensed attorneys or new solo practices?Yes, newly licensed attorneys and solo practices are welcome. The program is designed to accommodate new ventures as well as established firms. Need help placing an account? Connect with a market specialist.