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Lawyers Professional Liability Insurance Program Alexander J. Wayne & Associates, Inc. offers a focused Lawyers Professional Liability (LPL) program for retail agents and brokers placing both standard and hard-to-place legal risks. As a wholesale broker, we combine underwriting know-how with access to a select panel of U.S. carriers — including Lloyd's of London — to help you secure competitive, dependable coverage for your clients. Ideal Accounts and Target Risks We place firms of all sizes, from solo practitioners to large national practices. Our particular strength is in handling accounts that the admitted market finds difficult or declines. We are effective with higher-exposure or technically complex practice areas such as: Bankruptcy law Securities and corporate finance Taxation Entertainment and sports law Intellectual property Plaintiff bodily injury litigation Environmental law and complex real estate transactions Criminal defense Mergers & acquisitions Family and domestic relations law Oil & gas and public utilities Other niche or specialty practices Coverage Highlights and Advantages Our LPL program is designed to protect law firms from claims arising from alleged professional errors, omissions, or negligence. Coverage can be tailored to address the unique exposures of legal practice, with policy features and limits that reflect the firm’s risk profile. Access to both admitted and non-admitted markets depending on state and carrier appetite Customized placement strategies for declined, complex, or multi-jurisdictional risks Experienced wholesale underwriting team focused on legal professional liability Ability to consider firms with prior claims, disciplinary issues, or unconventional practice mixes Underwriting Notes Each submission is evaluated on its specific exposures, practice areas, and claims history. We work with you to collect the necessary information and package submissions to the carriers most likely to respond favorably. Typical requirements include a completed application, loss runs (if applicable), and a description of the firm’s practice mix and management controls. Minimum premium requirements and other terms vary by carrier and risk; we aim to find flexible solutions that balance breadth of coverage with market availability. Territories and Availability This program is available in most U.S. states. We actively place business in 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, and WY. Availability and admitted/non-admitted options depend on carrier appetite and state regulations. Why Work With Alexander J. Wayne & Associates? With decades of experience in professional liability, Alexander J. Wayne & Associates brings focused underwriting expertise and strong carrier relationships to help you place challenging legal risks. Our team provides responsive service, practical submission guidance, and targeted market access to improve placement outcomes for your clients. Example Accounts You Might Place A mid-sized firm with a heavy securities practice and recent regulatory inquiries that was declined by standard admitted markets — you can submit with us for specialized underwriting and non-admitted options. A solo intellectual property attorney with a prior malpractice claim seeking retroactive coverage and flexible limits — we can present the submission to carriers that evaluate complex claim histories. Call us to discuss specific accounts and to determine the best submission strategy for your clients. Frequently Asked Questions What types of accounts are a good fit for this program? This program suits law firms of any size, especially those practicing in higher-risk specialties such as bankruptcy, securities, IP, or plaintiff bodily injury where placement in the admitted market may be difficult. Can you place coverage for firms with prior claims or disciplinary actions? Yes. We specialize in hard-to-place risks and frequently work with firms that have prior claims, disciplinary history, or other underwriting challenges. Are both admitted and non-admitted markets available? Yes. We have access to a mix of admitted and non-admitted carriers, including specialty markets, depending on the state and the account’s profile. Is coverage available nationwide? We offer this program in most U.S. states and Washington, D.C. Specific availability varies by carrier and state regulations. What is required to get a quote? Typically we need a completed application, current loss runs (if any), and details about the firm’s practice areas and management. Our wholesale team will work with you on submission requirements. Need help placing an account? Connect with a market specialist.

U.S. Risk Insurance Group, Inc. partners with an A-rated carrier to offer a competitive workers' compensation market for auto service and repair operations. This program is built for agents who need flexible placement options for garages, repair shops, and mobile service providers across a broad territory. Overview of the Program The Auto Service Workers Compensation Insurance program is designed for auto service and repair risks and supports both guaranteed cost and dividend plan structures (dividend plans available in FL). U.S. Risk provides underwriting expertise, online loss runs, and practical payment options to help you place business efficiently. Ideal Accounts and Appetite Independent auto repair shops, quick lube centers, tire shops, and small fleet service operations Mobile mechanics and service providers (including limited group transportation exposures) New ventures and insureds transitioning out of PEO arrangements Examples: You might have a client who operates a two-bay repair shop with three technicians and light mobile service work, or a newer start-up tire shop seeking admitted coverage with online servicing and predictable billing. Coverage Highlights and Advantages Products: Guaranteed cost and dividend plan options (FL dividend plans) Service: Online loss runs to speed underwriting and renewals Payment plans: Direct bill and monthly self-reporting with non-working deposit Flexible underwriting for new ventures and accounts coming out of PEOs; PEO carve-outs available with required documentation Underwriting Notes and Key Restrictions $2,000 minimum premium — no stated maximum New ventures eligible Group transportation allowed but limited to no more than five employees per vehicle Lapse in coverage must be referred to underwriting No maximum experience modifier required Height and underground work limits: no more than 20 feet (approximately 2 stories) above ground and no more than 6 feet below ground 24-hour shift work exposure eligible only when it is the sole exposure PEO carve-outs: require loss history, a signed PEO/client contract and amendment, and a labor endorsement Ineligible exposures: domestic, aviation, and federal coverages; tax lien or bankruptcy Limited / Incidental / Cannot be governing state: CA, OK Territories and Availability This program is available through U.S. Risk 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. Confirm state availability and admitted/non-admitted options at submission. Why Work With U.S. Risk Insurance Group, Inc. on These Risks U.S. Risk pairs underwriting experience in the auto service niche with practical servicing tools (online loss runs and multiple payment options). The program handles common exposures for repair and mobile service shops and offers carve-out solutions for accounts leaving PEOs. Minimum premium thresholds and clear restrictions make it straightforward to determine fit quickly, helping you place eligible accounts faster. Underwriting Checklist — What to Submit Current loss runs (online loss runs accepted) Signed copy of PEO/client contract and amendment when applicable Details on any group transportation, shift work, height or underground exposures Information on lapses in coverage (refer to underwriting) Frequently Asked Questions What types of auto service accounts are a good fit for this program?Brands such as independent repair shops, quick lubes, tire shops, mobile mechanics, and small fleet service providers are a good fit — especially when exposures fall within the stated height, underground, and group transportation limits. Can I place a client coming out of a PEO?Yes. U.S. Risk accepts insureds coming out of PEOs and offers PEO carve-outs. Underwriting requires loss history, a signed PEO/client contract and amendment, and a labor endorsement. What are the payment and servicing options?Agents can offer direct bill or monthly self-reporting with a non-working deposit. Online loss runs are available to simplify underwriting and renewals. Are there minimum premiums or other submission thresholds?The program has a $2,000 minimum premium. Lapses in coverage, tax liens, or bankruptcy require referral and may make the account ineligible. Which states are excluded or restricted?The program is available in the listed states above but has limited/incidental or non-governing state restrictions for CA and OK. Confirm state availability at submission. Need help placing an account? Connect with a market specialist.

...ounts with active tax liens or bankruptcies. Payment Plans Direct...

U.S. Risk Insurance Group, Inc., through its partnership with an A-rated carrier, offers a competitive Workers Compensation solution tailored for janitorial service providers. This program is designed to support agents and brokers seeking reliable and flexible coverage options for their janitorial clients, including new ventures and accounts transitioning from Professional Employer Organizations (PEOs). Ideal Accounts and Appetite This program targets a wide range of janitorial service operations, including commercial cleaning companies, office maintenance crews, and building service contractors. Eligible accounts include: New ventures with no prior coverage Businesses exiting or carving out from PEOs Operations with 24-hour shift work (when no other exposures exist) Accounts with domestic, aviation, or federal exposures are ineligible, as are those with a history of bankruptcy or tax liens. Coverage Highlights and Advantages Admitted Workers Compensation coverage available in all applicable states Guaranteed cost and dividend plan options (dividend plans available in Florida) Access to online loss runs for efficient claims tracking No maximum on experience mods Flexible payment options including UPAY-As-You-Go, direct billing, and monthly self-reporting with a 5% non-working deposit Group transportation is permitted with a cap of five employees per vehicle. Height and depth exposures are limited to no more than 20 feet or two stories above ground and no more than 6 feet below ground. Underwriting Notes and Minimum Premiums Minimum premium of $3,000; no maximum premium limit Accounts with a lapse in coverage must be referred to underwriting PEO carve-outs require loss history, a signed PEO/client contract with an amendment, and a labor endorsement Whether your client is a startup janitorial business or an established operator transitioning from a PEO, this program is built to provide the right structure and support for their Workers Compensation needs. Territories and Availability This program is available in most U.S. states, including but not limited to TX, FL, CA, NY, and IL. Coverage is admitted in all available states. However, California and Oklahoma are limited to incidental exposures and cannot be governing states. Why Work With U.S. Risk Insurance Group? As a Managing General Agency with deep expertise in niche programs, U.S. Risk brings underwriting flexibility and market access that can help you place a wide variety of janitorial risks. With responsive service, competitive pricing structures, and tools like online loss run access and pay-as-you-go billing, U.S. Risk is a reliable partner for growing your Workers Compensation book in this sector. Frequently Asked Questions What types of accounts are a good fit for this program?Janitorial service businesses, including new ventures and those coming out of PEO arrangements, are ideal candidates. Operations must meet underwriting guidelines regarding height, depth, and employee transport limits. Are new janitorial businesses eligible?Yes, new ventures are eligible for coverage under this program, provided they meet other underwriting criteria. What documentation is required for clients exiting a PEO?You’ll need to provide the client’s loss history, a signed PEO/client contract and amendment, and a labor endorsement to be considered for coverage. Is 24-hour shift work allowed?Yes, 24-hour shift work is eligible as long as it is the only exposure. Other high-risk exposures may disqualify the account. Which states have restrictions?California and Oklahoma are limited to incidental exposures only and cannot be the governing state for the policy. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance for Printing and Publishing Accounts U.S. Risk Insurance Group, Inc. offers a specialized Workers Compensation insurance program tailored for the unique needs of printing and publishing businesses. Through its UPA division, this program is backed by an A-rated carrier and designed to provide competitive solutions for agents seeking to place risks in this niche industry. Ideal Accounts and Appetite This program is designed for small to mid-sized printing and publishing operations, including commercial printers, digital print shops, newspaper publishers, magazine publishers, and related businesses. UPA can accommodate new ventures and insureds transitioning out of Professional Employer Organizations (PEOs), with carve-out options available. Example placements might include a local commercial printing company with 10 employees or a regional magazine publisher looking to exit a PEO relationship. Coverage Highlights and Advantages Guaranteed cost plans available Dividend plans offered in Florida Online loss run access for agent and client convenience UPAY-As-You-Go and other flexible payment options Monthly self-reporting with only a 5% non-working deposit Underwriting Notes and Minimum Premiums Minimum premium: $3,000 (no maximum premium) New ventures are eligible Group transportation is limited to five employees per vehicle Accounts with lapse in coverage require underwriting referral No maximum experience mod Height/underground restrictions: max 20 feet above ground or 2 stories; max 6 feet below ground PEO carve-outs available with supporting documentation (loss history, signed contracts, labor endorsement) 24-hour shift work exposure is acceptable, provided no other restricted exposures are present Accounts with domestic, aviation, or federal exposures are ineligible Businesses with tax liens or undergoing bankruptcy are ineligible Territories and Availability This Workers Compensation program is available in most states, including AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Coverage is limited, incidental, or cannot be the governing state in CA and OK. Please consult underwriting for specific eligibility in these states. Why Work With U.S. Risk Insurance Group? U.S. Risk Insurance Group is a trusted Managing General Agency (MGA) with extensive experience in niche programs. The company’s UPA division offers agents and brokers access to competitive Workers Compensation options backed by strong carrier relationships, responsive underwriters, and flexible solutions for accounts that may not fit standard markets. If you're working with a printing or publishing client and need a reliable Workers Comp solution, this program offers the underwriting flexibility, pricing options, and support you need to win and retain the business. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial printers, digital print shops, newspaper and magazine publishers, and related businesses in the printing and publishing industry are ideal candidates. Can new ventures be considered for coverage?Yes, new ventures are eligible under this Workers Compensation program from U.S. Risk Insurance Group. Is coverage available for clients exiting a PEO relationship?Yes, the program supports insureds coming out of PEOs and offers carve-out options with proper documentation. What are the payment options for this program?Agents can offer clients UPAY-As-You-Go, direct bill, or monthly self-reporting with a 5% non-working deposit. Are there any geographic restrictions for this program?The program is available in most states, but coverage is limited or cannot be governing in California and Oklahoma. Need help placing an account? Connect with a market specialist.

...tion Insureds with recent bankruptcies or prior cancellations for underwr...

Having difficulty placing E&O coverage for your lawyers and attorneys? Many markets have restricted their underwriting appetite and some have exited this class of business. We have access to several markets willing to offer quality coverage at an affordable price for Lawyers Professional Liability. • Small to mid-sized firms (inc. sole practitioners) • Standard and non-standard markets available Practice areas include (but are not limited to):• Family law • Corporate law • Wills and estates • Bankruptcy • Real estate • Title • Civil rights • Business transactions • Commercial litigation • Plaintiff litigation (inc. class action/mass tort) • Securities • Many others, in doubt, send it in! Let us know how we can meet your clients’ Lawyers Professional Liability needs.

Lawyers Professional Liability Insurance Metcom Excess is a wholesale broker focused on Lawyers Professional Liability Insurance. With access to more than 15 A-rated carriers, we help agents and brokers place coverage for a wide spectrum of law firms—from solo practitioners to large, multi-state practices. Our dedicated Lawyers Professional Liability team is led by Mark Gold, Esq., CPCU, RPLU. As a practicing attorney with extensive in-house insurance experience, Mark brings deep familiarity with policy language, claim drivers, and the nuances of the legal malpractice market. That expertise allows us to develop tailored solutions for complex or hard-to-place accounts. Ideal Accounts and Appetite Metcom Excess has broad underwriting relationships and flexible placement options for accounts that may fall outside standard market appetite. We can help you place: Firms with elevated claims frequency or severity Practices with disciplinary histories Newly established or boutique firms Firms that specialize in harder-to-place practice areas such as: Entertainment and Sports Law Bankruptcy Intellectual Property (copyright & trademark) Real Estate Family and Domestic Relations Taxation Securities and SEC work Criminal Law Examples: you might have a partner who recently left a large firm to start a boutique practice, or a mid-size firm that has experienced recent claims activity. Metcom Excess works with you to identify carriers and structure terms that produce competitive placement even in these situations. Coverage Highlights and Advantages We offer both primary and excess solutions with market-specific features, including: Limits up to $10 million Full prior acts coverage Coverage for prior law firms Retroactive date repair solutions Personal injury and media liability coverage Defense coverage for disciplinary proceedings Whether you need an admitted clean paper option or a creative solution through non-admitted markets, we can access the right placement based on the firm’s exposure and appetite. Underwriting Notes and Minimum Premiums The program typically starts at a minimum premium of $2,000, with flexibility depending on firm size, practice mix, revenues, and claims history. We partner with agents to review submissions, identify key exposures, and match the account to the most appropriate carrier or market. Territories and Availability Metcom Excess offers this program in: CT, DE, MD, MA, NJ, NY, NC, OH, PA, VT, and VA. Admitted options are available in some states; non-admitted markets are also accessible depending on the risk and location. Why Work With Metcom Excess? We combine deep legal-industry knowledge, strong market access, and hands-on underwriting support. With a legal professional leading the division, we understand the specific exposures attorneys face and how policy language affects risk transfer. Our focus is practical: help you place difficult accounts efficiently and secure the best available terms. To discuss a Lawyers Professional Liability Insurance submission, call (201) 853-1386 or email Mark Gold, Esq., CPCU, RPLU at [email protected]. Frequently Asked Questions What types of law firms are best suited for this program?We place a wide range of firms—solo practitioners, mid-size firms, and large multi-state practices. We also specialize in hard-to-place firms with prior claims, disciplinary issues, or high-risk practice areas. Can you help with firms that have prior claims or disciplinary issues?Yes. Metcom Excess works with markets that will consider firms with prior claims frequency or severity and disciplinary histories; we can structure submissions to highlight mitigating controls and loss trends. Is prior acts coverage available?Yes. Many carrier partners offer full prior acts coverage, prior-firm coverage, and retroactive date repair options—subject to underwriting and carrier guidelines. What is the minimum premium for this program?The typical minimum premium starts at $2,000, though final pricing depends on firm size, practice areas, revenue, and loss history. In which states is this program available?This program is available in CT, DE, MD, MA, NJ, NY, NC, OH, PA, VT, and VA. Admitted options exist in some states; non-admitted placement is available where appropriate. Need help placing an account? Connect with a market specialist.