Alexander J. Wayne & Associates, Inc. offers a comprehensive Products Liability Insurance program designed for manufacturers, importers, distributors, and retailers who sell or handle tangible products. As a wholesale broker with access to select U.S. carriers and Lloyd’s of London (domestic and London open market), we specialize in placing hard-to-insure or unusual risks that fall outside the standard markets.
Overview of the Program From Alexander J. Wayne & Associates
Our Products Liability Insurance program is structured to protect your clients from claims arising from bodily injury or property damage caused by defective or unsafe products that they have manufactured, sold, or distributed. Coverage typically begins once the product has left the insured’s premises and is in the hands of the consumer. Completed Operations coverage also applies once the work related to the product is finished or abandoned.
Ideal Accounts and Appetite
This program is well-suited for:
- Start-up and established manufacturers of consumer goods, electronics, industrial equipment, and components
- Importers and distributors of foreign-manufactured products
- Online retailers and private label brands
- Companies with prior losses or complex product exposures
You may have a client importing nutraceuticals from overseas, or a small business producing custom mechanical parts for industrial use—these are the types of accounts we can help you place.
Coverage Highlights and Advantages
- Products Liability and Completed Operations coverage
- Flexible underwriting for hard-to-place or non-admitted risks
- Access to both domestic and London markets, including Lloyd’s
- Solutions for U.S.-based operations with foreign manufacturing exposure
- Coverage available on a surplus lines basis in most states (some admitted markets available)
We focus on tailoring coverage to the unique exposures your client faces, especially in today’s evolving product liability landscape.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the class of business, risk characteristics, and jurisdiction. We work with brokers to understand the full scope of the product and operations to deliver competitive options and appropriate terms.
Territories and Availability
We offer this program in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and PA. Availability includes all continental U.S. states plus AK, HI, and Washington, DC. Admitted markets are available in some states; otherwise, coverage is written on a non-admitted basis through surplus lines carriers.
Why Work With Alexander J. Wayne & Associates
With decades of experience in placing specialty and hard-to-place risks, Alexander J. Wayne & Associates provides brokers with access to top-tier carriers and expert underwriters who understand the nuances of product-based exposures. Our team is responsive, knowledgeable, and committed to helping you find solutions—even for challenging accounts.
Call us today and ask how Alexander J. Wayne & Associates can help you with your hard-to-place Products Liability Insurance.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits manufacturers, importers, distributors, and retailers of physical goods—especially those with foreign manufacturing, complex exposures, or prior claims.
Can you help with hard-to-place or non-admitted risks?
Yes, we specialize in hard-to-place risks and can access both domestic surplus lines carriers and Lloyd’s of London markets.
Is coverage available nationwide?
Our Products Liability Insurance is available in most U.S. states, including both admitted and non-admitted options depending on the jurisdiction.
What information do you need to quote?
We typically need a completed application, product description, loss history, and details about the manufacturing and distribution process.
Do you offer coverage for imported or foreign-made products?
Yes, we can place coverage for U.S.-based companies importing or distributing foreign-manufactured products.
Need help placing an account? Connect with a market specialist.