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Miscellaneous Errors and Omissions Insurance Professionals across countless industries face the risk of being sued for alleged mistakes in the performance of their duties—even if they weren’t actually at fault. These claims can severely impact a professional’s reputation and financial stability. That's where Miscellaneous Errors and Omissions (E&O) Insurance becomes crucial. At Alexander J. Wayne & Associates, Inc., we specialize in helping insurance agents and brokers place hard-to-place E&O risks across a broad spectrum of professions. Overview of the Program From Alexander J. Wayne & Associates With decades of experience and access to over 40 different markets—including all major U.S. carriers and Lloyd’s of London—Alexander J. Wayne & Associates offers flexible and competitive solutions for virtually any professional liability exposure. Whether you’re working with a niche consultant or a healthcare provider with a complex history, our underwriting team is equipped to help you find the right coverage. Ideal Accounts and Appetite We have successfully placed coverage for a wide variety of professional classes, including but not limited to: Miscellaneous Professionals and Consultants Technology and IT Service Providers Real Estate Professionals (agents, property managers, consultants) Architects and Engineers Insurance Agents and Brokers Attorneys and Law Firms (especially hard-to-place risks) Medical Professionals (physicians, dentists, nurses, imaging centers) Accountants and Bookkeepers Financial Planners, Investment Advisors, and Broker-Dealers Marketing and Management Consultants We are open to reviewing virtually all professional classes—even those that fall outside the standard appetite of many markets. Coverage Highlights and Advantages We provide tailored E&O coverage designed to meet the unique needs of each profession. Key features of our offerings include: Limits ranging from $100,000 up to $10,000,000 Separate excess limits available Minimum premiums starting as low as $800 for lower limits First-dollar defense options Defense costs in addition to limits of liability Full prior acts coverage Third-party discrimination coverage Defense for fee disputes Custom coverages tailored to specific professions Group or association programs available “A” Rated carriers by A.M. Best Fast turnaround on quotes and policy issuance Underwriting Notes and Minimum Premiums Our underwriting team is highly experienced in assessing complex risks and tailoring solutions that meet your client’s unique needs. We consider a wide range of risk profiles, including new ventures and distressed accounts. Minimum premiums vary by risk class and limit, with entry points as low as $800 for smaller accounts. Territories and Availability Our Miscellaneous E&O program is available in all 50 states, plus Washington, D.C. Whether your client is based in a major metropolitan area or a rural community, we have market access and expertise to help you find the right solution. Why Work With Alexander J. Wayne & Associates? As a wholesale broker with deep experience in professional liability, we understand the nuances of E&O exposures across a wide range of industries. Our expansive market access, responsive service, and creative underwriting approach make us a valuable resource for agents and brokers looking to place challenging or niche E&O risks. Call us today to learn how we can help you place your next Miscellaneous Errors and Omissions account—especially the ones that others can’t. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous E&O program?This program is ideal for a wide range of professionals, including consultants, IT service providers, real estate agents, lawyers, accountants, and medical professionals. We are especially effective in placing hard-to-place or non-standard risks. Can you write new ventures or professionals with previous claims?Yes, we have markets that will consider new ventures and accounts with prior claims, depending on the circumstances and risk profile. What are the minimum premium requirements?Minimum premiums start as low as $800 for lower-limit policies, but actual pricing will vary based on the class of business, limits, and risk factors. Is this program available nationwide?Yes, our Miscellaneous E&O program is available in all states, including Washington, D.C. What carriers do you work with for this program?We work with all major U.S. carriers and Lloyd’s of London markets, including both admitted and non-admitted options. Need help placing an account? Connect with a market specialist.

Title Agents, Escrow Agents, Title Abstractors E&O Insurance Tennant Risk Services specializes in professional liability (Errors & Omissions) insurance for title agents, escrow agents, title abstractors and related real estate services. We provide tailored E&O solutions through multiple admitted and surplus lines carriers, combining specialty underwriting knowledge with broad market access so you can place challenging accounts quickly and competitively. Overview of the Program from Tennant Risk Services This program is designed for independent agents and brokers who need a dependable market for title and escrow professional liability. Tennant Risk Services evaluates each account’s operations, loss history and territory to match risks with the appropriate admitted or excess & surplus carrier. We offer flexible limits, deductible choices and optional coverages to address common exposures such as escrow errors, closing mistakes, misinterpretation of title work and related professional services. Ideal Accounts and Appetite We write a broad range of title/escrow classes, including: Title agents and title agencies Abstractors and title search firms Escrow agents and escrow companies Loan closers and closing agents 1031 exchange facilitators and real estate intermediaries Document recorders Typical accounts we prefer include established agencies with routine residential and commercial closings, firms offering 1031 exchanges, and operations that provide multiple real estate services under one roof. We also consider startups and newly licensed agents, plus higher-exposure territories and accounts with prior losses where appropriate underwriting and pricing can be applied. Coverage Highlights and Advantages Professional liability / E&O coverage tailored to title and escrow operations Access to multiple carriers — admitted and non-admitted — depending on risk and state Optional extensions such as Cyber Risk (for data breach exposures) and Employment Practices Liability (EPL) Special provisions available for unique exposures (e.g., oil & gas asset classes, independent contractor arrangements) Flexible limits and deductible structures to meet client budgeting and risk tolerance Underwriting Notes and Minimum Premiums Underwriting focuses on operations, controls around closings and escrow handling, staff licensing and loss history. Tennant Risk Services can place tougher accounts: unique business models, multiple services, adverse loss experience or newly formed operations. Minimum premiums vary by carrier and account characteristics; some programs begin at lower entry levels (for example, minimums listed historically as low as $1,750), but final pricing depends on class, limits and territory. Example Accounts You Might Place A small title agency handling residential closings and occasional 1031 exchanges seeking $1M/$1M limits with a competitive premium and optional cyber coverage. A start-up escrow firm with limited experience looking for a professional liability policy with favorable limits and customized first-year underwriting considerations. An established title/escrow operation in a higher-exposure state that needs an E&S placement due to prior claims — Tennant can map the risk to appropriate surplus markets. Territories and Availability Programs are available in many states. Tennant Risk Services places 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. Admitted capacity is available in some states; other placements may be written on a non-admitted or surplus lines basis depending on carrier appetite and state rules. Why Work With Tennant Risk Services Tennant Risk Services brings specialty title/escrow underwriting experience, responsive service and wide market relationships. We support retail agents and brokers with quick submissions handling, pragmatic underwriting on tougher risks and access to carriers that understand real estate professional exposures. To discuss a specific client challenge or submit an account, please call or email [email protected] ([email protected]). Put our Title E&O expertise to work for you. Frequently Asked Questions What types of title and escrow accounts does this program write?Tennant Risk Services writes a wide range of accounts: title agents, abstractors, escrow agents, loan closers, 1031 exchange facilitators and related document recording services. Appetite spans startups to established agencies, and including some higher-exposure territories and multi-service firms. Are admitted policies available or is this surplus-only?We place business with both admitted and surplus lines carriers. Admitted capacity is available in some states; other accounts may require non-admitted placements depending on the risk profile and state regulations. What submission information do you typically need?Underwriters generally request an application, current and prior loss information, descriptions of operations and service lines, licensing details, and any controls around escrow and closing procedures. Additional documents may be requested for complex or high-limit submissions. Can I add cyber or employment practices coverage to a title E&O policy?Yes. Tennant can provide options for Cyber Risk (data breach) and Employment Practices Liability as part of a broader placement, subject to carrier availability and underwriting review. Need help placing an account? Connect with a market specialist.