Search CompleteMarkets

...on for agents and brokers seeking Clinics Errors and Omissions Insurance, incl...is program?This program is ideal for clinics, labs, IPAs, HMOs, PPOs, ambulanc...

... Liability accounts include: Errors during plan mergers, terminations or ...

...ons (IPAs) and physician groups Clinics, diagnostic laboratories, HMOs, and ...e standard and hard-to-place Doctors Errors and Omissions Insurance for your clients. Fre...

...arising from alleged professional errors, omissions, or negligence. Coverage can be tai...

... residential real estate practice—errors and omissions, personal injury (including libel a...

Surveyors and Contractors Professional Liability Insurance Alexander J. Wayne & Associates, Inc. provides wholesale access and underwriting expertise for Surveyors and Contractors Professional Liability Insurance. Our program is structured to help retail agents place both routine and hard-to-place A&E and construction-related professional liability accounts. We offer flexible solutions including first-party professional liability and extensions to protect insureds for third-party and vicarious liability arising from professional subcontractors. Overview of the Program This program is built for design professionals and construction-related firms that need professional liability protection beyond standard general liability. Coverage can be tailored to include architects, engineers (civil, structural, mechanical, electrical, process, geo-technical), land surveyors, construction managers (both at-risk and agency), and firms that use professional subcontractors. We place business with admitted and surplus (non-admitted) markets through multiple carriers to broaden placement options. Ideal Accounts and Appetite Small to mid-size design firms and solo practitioners Multi-discipline firms with engineering and surveying services Construction managers and design-build contractors providing professional services Projects with specialty exposures such as dams, bridges, mines, petroleum/pipeline, and condominium developments New ventures and firms with prior loss history that need tailored underwriting Coverage Highlights and Advantages First-party professional liability for negligent act, error, or omission in the performance of professional services. Options to extend coverage to third parties and to provide vicarious liability protection for designated professional subcontractors. Capacity across admitted and surplus lines carriers to improve placement success for more complex or higher-risk accounts. Ability to consider accounts with adverse loss history, specialty project exposures (nuclear, petroleum, heavy civil), and non-standard organizational structures (solo firms, new ventures). Experienced underwriting that understands contractual risk transfer, design-build relationships, and construction manager exposures. Underwriting Notes and Minimum Premiums Underwriting looks at firm discipline mix, revenue by service line, project types, claims history, contract language, and use of subcontractors. Common submission materials include a current proposal or application, professional services agreement(s), and loss runs when available. Minimum premium varies by carrier and state; please indicate budget expectations on the submission so we can align markets appropriately. Territories and Availability This program is available in the following jurisdictions: 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. We place business in admitted and surplus markets depending on the account’s characteristics and the carrier appetite. Why Work With Alexander J. Wayne & Associates, Inc. Wholesale broker access to multiple admitted and surplus carriers specializing in A&E and construction professional exposures. Hands-on underwriting guidance to position difficult accounts and clarify risk transfer concerns. Flexibility to consider non-standard risks (adverse loss history, high-hazard projects, solo practitioners, design/build work). Fast, practical feedback to help you manage client expectations and find the most appropriate market fit. Example scenarios that fit this program You have a mid-size civil/structural firm doing bridge rehabilitation work that needs vicarious coverage for geotechnical subcontractors — we can package coverage with markets that accept heavy-civil exposures. You place a construction manager acting in a design-build role on a condominium development with multiple professional subcontractors — we can pursue combined professional liability terms with vicarious extensions. Frequently Asked Questions What types of accounts are a good fit for this program?Design professionals (architects, engineers, surveyors), construction managers, and contractors providing professional services—especially accounts with subcontracted professional work, design-build relationships, or specialty project exposures—are a good fit. Are both admitted and surplus markets available?Yes. We work with multiple admitted and surplus (non-admitted) carriers to provide placement options based on the account’s risk profile and state filing requirements. What submission materials do you typically need?Provide a completed application or proposal, descriptions of services and project types, copies of standard professional contracts, and loss runs if available. Indicate any specialty exposures (e.g., petroleum, nuclear, dams) up front so we can target appropriate markets. Can the policy cover liability arising from subcontractors?Yes. The program can include extensions for third-party and vicarious liability for professional subcontractors where markets allow; specific wording and limits vary by carrier. What should I expect for minimum premium and pricing?Minimum premium varies by carrier, state, and risk characteristics. Tell us the client’s revenue, project types, and loss history and we’ll match the account to markets that fit the budget and coverage needs. Need help placing an account? Connect with a market specialist.

Medicinal Marijuana Dispensary Coverage from Alexander J. Wayne & Associates, Inc. Alexander J. Wayne & Associates, Inc. offers a focused insurance solution for licensed medical marijuana dispensaries. As an experienced Excess & Surplus Lines Broker, we provide agents and brokers access to markets that will write this traditionally hard-to-place class. Our Medicinal Marijuana Dispensary Coverage program is structured to help your clients manage the operational, property, and product-related risks unique to the cannabis retail sector. Overview of the Program This program targets storefront medicinal dispensaries that operate in full compliance with state licensing and regulatory requirements. Coverage is distributed through non-admitted markets, allowing greater flexibility to address specialty exposures and evolving regulatory needs. We underwrite to current industry practices and expect applicants to maintain documented security, inventory controls, and standard operating procedures. Ideal Accounts and Appetite The program is designed for licensed, retail-facing dispensaries — both single-location shops and multi-location operations. Preferred accounts maintain formal policies for inventory tracking, controlled access, and employee training. We will consider both new ventures and established operators when underwriting criteria are met. Typical good-fit examples: A single storefront in Oregon with secure onsite storage and point-of-sale controls. A multi-location dispensary in Michigan seeking a combined property and liability placement under one program. Coverage Highlights and Advantages The program provides a package of coverages tailored to dispensary exposures, including: General Liability: Limits available up to $5 million to respond to third-party injury and premises claims. Property Protection: Coverage for buildings, contents, and tenant improvements where applicable. Medicine (Inventory) Coverage: Protection for cannabis inventory and related products stored on the premises. Business Interruption: Income recovery for covered interruptions to operations. Product Liability: Defense and indemnity for claims arising from use of products sold by the dispensary. This combination helps insureds protect physical assets, inventory value, continuity of operations, and product-related liabilities. Underwriting Notes and Minimum Premiums All submissions undergo underwriting review. To quote quickly, include a complete application, current licensing documentation, loss history, security protocols, and inventory procedures. Minimum premiums vary by state, risk profile, and selected coverages; please provide detailed account information so we can determine applicable minimums. Territories and Availability The program is available on a non-admitted basis in the following states and the District of Columbia: Arizona, California, Colorado, Connecticut, Delaware, District of Columbia (DC) Illinois, Maine, Massachusetts, Michigan, Montana, Nevada New Hampshire, New Jersey, New Mexico, Oregon, Rhode Island, Vermont, Washington Because placements are non-admitted, availability and terms may vary by state and by carrier appetite at the time of submission. Why Work With Alexander J. Wayne & Associates? Alexander J. Wayne & Associates was an early entrant into the cannabis insurance market and maintains experience placing hard-to-place and specialty risks. We combine market access with underwriting knowledge of regulatory and operational challenges facing dispensaries. Our team works with agents to structure competitive, tailored submissions and to navigate the documentation and compliance expectations of non-admitted markets. If you have a dispensary client that needs a tailored insurance solution, contact us to request an application or to discuss a potential submission. Complete applications with operational details will help expedite quoting. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed medical marijuana dispensaries operating legally in approved states are ideal. Both single-location and multi-location operations can be considered when they maintain appropriate security and inventory controls. Is product liability included in the coverage?Yes. Product liability is a core element of the offering and helps protect against claims related to the use of cannabis products sold by the dispensary. Which states is this program available in?The program is available in 19 states and DC on a non-admitted basis, including California, Colorado, Illinois, Massachusetts, Michigan, Oregon, and Washington. Availability is subject to carrier appetite and state-specific requirements. Can new dispensaries without prior insurance history apply?Yes. New ventures may be eligible provided they meet underwriting criteria and can demonstrate compliance with state regulations and internal controls. How can I get a quote for my client?Contact Alexander J. Wayne & Associates to request an application. Submissions that include licensing, security procedures, inventory controls, and loss history (if any) will help speed the underwriting process. Need help placing an account? Connect with a market specialist.

Comprehensive Media Liability Solutions from Alexander J. Wayne & Associates Alexander J. Wayne & Associates, Inc. provides a dedicated Media Liability Insurance program designed for agents and brokers who need reliable placement options for media-related risks. As a wholesale broker with market access to all major U.S. carriers and Lloyd’s of London (domestic and London open market), we place both standard and hard-to-place media accounts across admitted and non-admitted markets. Ideal Accounts and Target Classes This program addresses the liability exposures that arise from creating, publishing, distributing, or promoting content. We routinely write coverage for: Advertisers and advertising agencies Authors and book publishers Magazine and newspaper publishers Multimedia and entertainment companies Radio, television, and cable broadcasters Film and video producers or distributors Public personalities and talent engaged in public appearances Good-fit examples: you might have a regional lifestyle magazine preparing a new issue, a podcast production company with growing listenership, or a digital content creator whose reach and monetization are expanding. Those accounts—especially when they involve original reporting, commentary, advertising, or third-party content—are a primary focus for this program. Coverage Highlights and Advantages We offer flexible policy forms (both Claims-Made and Occurrence) and a broad set of protections tailored to modern media exposures. Typical coverages include: Libel, slander, and defamation Invasion of privacy and misappropriation of likeness Copyright and trademark infringement Policy features agents can leverage: Unlimited defense costs in addition to the policy limits (available for most classes) Punitive damages coverage where permitted by law Primary limits up to $10,000,000, with excess placements up to $15,000,000 Underwriting Notes Our underwriters have deep experience with media exposures and will consider risks across a wide spectrum of complexity. We underwrite both admitted and non-admitted options, and can place accounts in domestic and London markets when file complexity or limits require it. When preparing submissions, include recent samples of content, editorial controls or review procedures, social media policies, and any prior claims history. Placement depends on the client’s content processes, distribution reach, advertising practices, and prior loss activity. Territories and Availability Media Liability is available in all 50 states and the District of Columbia. We can place business admitted or non-admitted depending on the class of business, state regulations, and the insured’s limit requirements. Why Work With Alexander J. Wayne & Associates? Agents and brokers choose Alexander J. Wayne & Associates for media liability because we combine specialty underwriting knowledge with wide market access. We routinely navigate hard-to-place risks by pairing experienced underwriters with U.S. carriers and Lloyd’s markets—helping you secure competitive terms and higher limits when needed. Contact us when you have media accounts that require tailored wording, higher limits, or London market capacity. Our team will help evaluate appetite, prepare a market-ready submission, and identify the right placement strategy. Frequently Asked Questions What types of accounts are a good fit for this Media Liability program?Ideal accounts include publishers, broadcasters, content creators, advertising agencies, authors, and media production companies—especially those with unique or hard-to-place exposures. Is this program available nationwide?Yes, Media Liability Insurance is available in all 50 states and Washington, DC. What coverage limits are available?Policy limits are available up to $10 million, with excess limits up to $15 million depending on the risk. Can I get coverage for claims involving defamation or copyright issues?Yes, the program includes coverage for defamation, libel, slander, copyright and trademark infringement, and related media liability exposures. Does the program offer both admitted and non-admitted options?Yes, we offer both admitted and non-admitted options depending on the risk class and state requirements. Need help placing an account? Connect with a market specialist.

Staffing Errors and Omissions Insurance Staffing pr...ort your efforts in placing Staffing Errors and Omissions Insurance accounts. Frequently ...