Alexander J. Wayne & Associates, Inc. offers a focused Products Liability Insurance program for manufacturers, importers, distributors, and retailers of 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, unusual, or non-standard product risks that often fall outside typical admitted markets.
Overview of the Program From Alexander J. Wayne & Associates
Our Products Liability program protects insureds against third-party claims for bodily injury or property damage arising from defective or unsafe products once the product has left the insured’s premises. Coverage also extends to Completed Operations exposures related to products after work is finished or abandoned. We combine flexible underwriting with access to surplus lines and London markets to provide tailored solutions for complex product exposures.
Ideal Accounts and Appetite
This program is well-suited for agents placing accounts such as:
- 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
- Clients with prior losses, complex product lines, or exposures that require specialized terms
Typical fits include a U.S. company importing nutraceuticals from overseas or a small business producing custom mechanical parts for industrial use — accounts that need underwriting flexibility and market access beyond standard admitted carriers.
Coverage Highlights and Advantages
- Products Liability and Completed Operations coverage forms
- Flexible underwriting for hard-to-place or non-admitted risks
- Access to both domestic surplus lines carriers and London markets, including Lloyd’s
- Solutions for U.S.-based operations with foreign manufacturing exposure
- Options written on a surplus lines basis in most states; admitted markets available where permitted
We focus on aligning limits, terms, and exclusions to the client’s product exposures and supply chain realities — from manufacturing and labeling to distribution and retail sale.
Underwriting Notes and Minimum Premiums
Underwriting considers product type, production controls, labeling and instructions, supply chain and manufacturer relationships, distribution territory, prior loss history, and any product defect or recall exposures. Minimum premiums vary by class, risk characteristics, and jurisdiction; please provide a complete submission package so we can source competitive options.
Territories and Availability
We offer this program in most U.S. states. Admitted options are available in some jurisdictions; otherwise coverage is placed through surplus lines carriers. The 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, DC, WV, WI, WY.
Why Work With Alexander J. Wayne & Associates
With decades of experience placing specialty and hard-to-place risks, Alexander J. Wayne & Associates provides brokers with direct access to experienced underwriters and a panel of select carriers, including Lloyd’s markets. We are responsive, practical, and skilled at structuring placements for unusual product exposures, multinational supply chains, and accounts with prior losses.
Call us today and ask how Alexander J. Wayne & Associates can help you place hard-to-place Products Liability Insurance for your clients.
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 that need surplus or London market capacity.
Can you help with hard-to-place or non-admitted risks?
Yes. We specialize in hard-to-place risks and can access domestic surplus lines carriers and Lloyd’s of London to secure terms when admitted markets are not available.
Is coverage available nationwide?
The program is available in most U.S. states. Admitted markets are available in select jurisdictions; otherwise placements are on a surplus lines basis through our carrier partners.
What information do you need to quote?
Provide a completed application, clear product descriptions, manufacturing and distribution details, labels or instructions, and loss history. The more detail you include about processes and controls, the better we can scope markets and terms.
Do you offer coverage for imported or foreign-made products?
Yes. We place coverage for U.S.-based companies that import, distribute, or private-label foreign-manufactured products and can structure terms to address offshore manufacturing exposures.
Need help placing an account? Connect with a market specialist.