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Fiduciary Liability Insurance & ERISA The Employee Retirement Income Security Act of 1974 (ERISA) creates broad fiduciary responsibilities for anyone who designs, sponsors, administers or manages employee benefit plans. Employers, plan administrators, plan committees and individual fiduciaries can face claims arising from pension and welfare plans, including 401(k)s, profit-sharing plans, medical and life benefits, scholarship programs and prepaid legal plans. Common allegations we see on Fiduciary Liability accounts include: Errors during plan mergers, terminations or asset transfers Negligent administration or procedural mistakes Inadequate or inaccurate plan disclosures Allegations of imprudent investment of plan assets Failure to pursue or collect delinquent contributions Claims based on lack of due diligence in selecting or monitoring service providers Other miscellaneous fiduciary breach allegations Alexander J. Wayne & Associates, Inc. offers both standalone Fiduciary Liability policies and D&O package options that include fiduciary coverage—delivered as a wholesale broker with access to all major U.S. carriers and Lloyd’s of London (domestic and London open market). Overview — Program from Alexander J. Wayne & Associates, Inc. As a wholesale broker, Alexander J. Wayne & Associates places Fiduciary Liability Insurance for plan sponsors, administrators and fiduciaries who need ERISA-focused protection. We work with admitted and non-admitted markets to find solutions for straightforward and complex single-employer plans, multiple-employer plans and third-party administrators. Ideal Accounts and Appetite Private and public employers that sponsor 401(k), pension, profit-sharing and welfare plans Plan administrators, boards of trustees and named fiduciaries seeking fiduciary error defense Third-party administrators (TPAs) and recordkeepers with clear controls and documented procedures Taft-Hartley funds and multi-employer plans with standard governance practices We typically consider accounts with documented governance, regular investment monitoring, and up-to-date plan disclosures. Accounts with ongoing litigation, significant asset miss-management or material regulatory violations may require special underwriting and placement strategies. Coverage Highlights and Advantages Standalone fiduciary forms or packaged with Directors & Officers coverage for broader protection Access to competitive markets, including Lloyd’s capacity for large or complex placements Underwriting tailored for ERISA exposures—focus on plan governance, investment oversight and sponsor practices Flexible limit and deductible structures depending on risk characteristics Underwriting Notes and Submission Tips Provide the following to speed placement: current plan documents, recent Form 5500s, summary plan descriptions, investment policy statements, fiduciary training records and details on any prior or pending claims. Highlight documented procedures for monitoring investments and selecting service providers. If you have an account with recent plan mergers, terminations or suspicious asset transfers, disclose those early in the submission—those items materially affect terms and market selection. Territories and Availability This program is available through Alexander J. Wayne & Associates in the following states and territories: 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 both admitted and non-admitted coverage depending on the risk and client needs. Why Work With Alexander J. Wayne & Associates, Inc.? Wholesale broker relationships with major U.S. carriers and Lloyd’s of London for broad capacity Experience placing ERISA and fiduciary risks across a wide range of industries and plan sizes Responsive underwriting advocacy to secure appropriate forms and competitive terms Options for standalone fiduciary policies or combined D&O/Fiduciary placements Example scenarios You have a mid-size employer sponsoring a 401(k) and a small defined benefit plan that needs standalone fiduciary limits and ERISA defense—this program can access carriers that are comfortable with mixed-plan portfolios. You represent a TPA seeking fiduciary coverage for third-party administration services with documented controls—markets through Alexander J. Wayne can consider package placements or standalone forms. Frequently Asked Questions What types of accounts are a good fit for this Fiduciary Liability program?Plan sponsors (401(k), profit-sharing, pension), plan administrators, TPAs and boards of trustees with documented governance and investment oversight are ideal. Taft-Hartley and multi-employer plans with regular reporting are also considered. Do you offer standalone fiduciary coverage or only package placements?We offer both. Alexander J. Wayne places standalone Fiduciary Liability policies and D&O package policies that include fiduciary coverage, depending on market appetite and the client’s needs. Which states and markets are available?The program is available 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. We place with major U.S. carriers and Lloyd’s of London across admitted and non-admitted markets. What key documents should I include with a submission?Include plan documents, Form 5500s, summary plan descriptions, investment policy statements, records of fiduciary training and any prior claim history to speed underwriting and improve placement options. Need help placing an account? Connect with a market specialist.

Product Features for Financial Institution Errors & Omissions Insurance: In-house binding authority with multiple “A” rated carriers Quotes turned around in 24 hours or less Low minimum premiums Targeting more than 75 classes of business, ranging from low to medium hazard exposures Defense outside the limit Broad definition of professional services Duty to defend wording 2-way optional extended reporting period 60-day extension coverage to report claims free of charge Full prior acts coverage available Minimum premium: $1,000 Minimum retention as low as $1,000 for selected classes Overview of the Program From J.M. Wilson J.M. Wilson Corp. offers a specialized Financial Institution Errors & Omissions (E&O) Insurance program designed for retail agents and brokers seeking reliable E&O solutions for their financial services clients. Backed by multiple “A”-rated carriers and with in-house binding authority, we provide flexible, fast, and competitive options for a wide range of financial institutions—particularly those with low to medium hazard exposures. Ideal Accounts and Appetite This program targets over 75 different classes of financial businesses including—but not limited to—investment advisors, mortgage brokers, insurance agents, collection agencies, and check cashing services. We’re an excellent market for accounts seeking broad coverage terms, competitive minimum premiums, and fast turnaround on quotes. You might have a client such as a small investment advisory firm or a regional mortgage brokerage that needs full prior acts coverage and a quick quoting process. These are ideal fits for this program. Coverage Highlights and Advantages Broad definition of professional services to reduce gray areas in coverage Defense costs outside the limits of liability Duty to defend included Optional 2-way extended reporting period 60-day claim reporting grace period at no additional charge Full prior acts coverage available upon underwriting approval Underwriting Notes and Minimum Premiums We offer low minimum premiums starting at $1,000, with minimum retentions as low as $1,000 for select risk classes. Thanks to our in-house authority, we can often turn quotes around in 24 hours or less, giving you the speed and efficiency you need to win business. Territories and Availability This program is available in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We work with both admitted and non-admitted carriers, depending on the risk and state. Why Work With J.M. Wilson? As a trusted MGA and Excess & Surplus Lines Broker, J.M. Wilson brings deep underwriting experience and access to multiple top-tier markets. Our dedicated team understands the unique risks faced by financial institutions, and we’re committed to helping our retail agents place business efficiently and competitively. When you work with us, you benefit from personalized service, fast quote turnaround, and access to tailored coverage solutions. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for financial service providers with low to medium hazard exposures, such as investment advisors, mortgage brokers, insurance agents, and collection agencies. How quickly can I get a quote?With in-house binding authority, J.M. Wilson can typically provide quotes in 24 hours or less. Is prior acts coverage available?Yes, full prior acts coverage is available depending on underwriting approval. What is the minimum premium?The minimum premium starts at $1,000, with retentions as low as $1,000 for certain classes. In which states is this program available?The program is available in 22 states including AL, FL, GA, IL, IN, MI, OH, PA, TN, and others. Need help placing an account? Connect with a market specialist.

Georgia Non-Resident Trappers Bond Allstar Financial Group offers a specialized surety solution for agents seeking to help clients obtain a Georgia Non-Resident Trappers Bond. This bond is required for individuals or businesses located outside Georgia who wish to trap furbearing animals within the state. The bond ensures compliance with Georgia’s trapping regulations and protects the state and public from potential violations. Ideal Accounts and Appetite This program is ideal for: Non-resident individuals who trap as a hobby or for supplemental income Professional trappers operating seasonally in Georgia Out-of-state wildlife control businesses expanding services into Georgia Whether your client is a solo trapper or a small business with employees, Allstar can help you meet the bonding requirements efficiently. Coverage Highlights and Advantages Meets the Georgia Department of Natural Resources bonding requirement for non-resident trappers Protects the state against financial loss due to non-compliance by the bonded party Streamlined application and processing through experienced surety underwriters Access to a variety of markets to help you get competitive terms for your client Underwriting Notes and Minimum Premiums Minimum premiums vary based on applicant history, size of the bond, and underwriting risk. Allstar’s underwriters work closely with agents to offer fair pricing and fast turnaround. Credit history and business background may be considered in the underwriting process. Territories and Availability This program is available exclusively for trapping activities conducted in Georgia by non-residents. Allstar has access to admitted markets in some states, though availability may vary based on the applicant’s home state and risk profile. Why Work With Allstar Financial Group As a trusted Managing General Agency (MGA), Allstar Financial Group brings years of experience in surety and specialty bonding. With access to multiple carriers and a dedicated team of knowledgeable underwriters, agents benefit from a responsive, service-driven approach to placing their clients’ unique bond needs. You might have a client who lives in Alabama and traps seasonally in Georgia. They need to meet Georgia’s bond requirement quickly to begin the season. Allstar can help you get that bond placed efficiently with competitive terms. For more information or to discuss a submission, contact an Allstar underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for individuals or small businesses located outside Georgia who trap furbearing animals within the state, whether professionally or recreationally. Is this bond required for every out-of-state trapper?Yes, the Georgia Department of Natural Resources requires non-resident trappers to post a bond to ensure compliance with state laws. What underwriting information is typically needed?Applicants may need to provide basic personal or business information, financial history, and past compliance records. Credit checks may apply. How quickly can this bond be issued?Turnaround times are generally fast. Once all required information is submitted, bonds can often be issued in a matter of days. Can I get this bond for a client in another state?Yes, as long as the client is a non-resident of Georgia and plans to trap within Georgia, this bond can be placed regardless of their home state. Need help placing an account? Connect with a market specialist.

Directors & Officers Insurance Program from J.M. Wilson Corp. J.M. Wilson Corp. offers a flexible, competitive Directors and Officers (D&O) Insurance program that helps protect the personal assets of directors and officers at private companies. As a Managing General Agency and Excess & Surplus Lines broker with access to admitted and non-admitted carriers, J.M. Wilson provides solutions agents and brokers can use to place essential executive liability coverage for their clients. Ideal Accounts and Appetite The program is designed for a broad range of private companies—especially small to mid-sized firms that may lack in-house risk management. Typical fits include: Private companies with up to 200 employees Accounts seeking standalone D&O or combined D&O and EPLI Companies exposed to claims from employees, customers, vendors, competitors, lenders, or shareholders Example scenarios: you might have a client that recently expanded its executive team or secured outside funding and now needs protection for management decisions; or a small firm experiencing increased employment-related exposures that requires EPLI alongside D&O coverage. Coverage Highlights and Advantages J.M. Wilson’s D&O program includes built-in features and optional extensions that address common executive liability exposures: Separate D&O and EPLI liability limits EPLI defense costs outside the limit of liability (for firms with up to 200 employees) Unlimited extended reporting period for former directors and officers Coverage for sexual harassment and optional third-party discrimination (when EPLI is purchased) Stand-alone D&O liability option Optional fiduciary liability extension Entity coverage automatically included under D&O and EPLI parts Full prior acts coverage Punitive damages coverage where insurable by law Automatic coverage for service on Non-Profit 501(c)(3) boards Spousal extension Access to AM Best A++ rated carrier options Underwriting Notes and Minimum Premiums The program offers flexible limits and retention choices to match different company sizes and risk profiles. Typical parameters include: Retention starting at $5,000 D&O limits available up to $5,000,000 EPLI limits available up to $5,000,000 $2,500 minimum premium Underwriting consideration focuses on company size, financial stability, claims history, corporate governance, and employment practices. Higher-risk industries or organizations with significant shareholder litigation exposure may require referral to specialty markets. Territories and Availability This D&O program is available to licensed agents and brokers in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Why Work With J.M. Wilson Corp. J.M. Wilson combines MGA underwriting expertise with E&S broker capabilities and strong carrier relationships. That mix gives agents access to admitted and non-admitted markets, flexible program design, and responsive service. Their underwriting insight helps place complex D&O and EPLI risks efficiently while tailoring terms to each client’s profile. Frequently Asked Questions What types of accounts are a good fit for this Directors and Officers program?This program is ideal for private companies—particularly small to mid-sized firms with up to 200 employees—that need protection for their executives and the entity against management liability claims. Can I write EPLI coverage without D&O, or vice versa?Yes. The program offers separate D&O and EPLI limits, and it also allows a stand-alone D&O liability option. Are nonprofits eligible for this program?Yes. The program automatically includes coverage for service on 501(c)(3) nonprofit boards, which can be a useful benefit for directors involved with charitable organizations. What limits and retentions are available?D&O and EPLI limits are available up to $5,000,000, with retentions starting as low as $5,000; final terms depend on the risk profile and underwriting review. In which states is this program available?This D&O program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

Quick Contract Bid, Payment and Performance Bond J.M. Wilson Corp. offers a Quick Contract Bid, Payment and Performance Bond program designed for small and newer contractors who need fast, reliable surety capacity. These quick-turn bonds are underwritten primarily on the applicant's credit and require minimal paperwork so you can obtain bid, payment and performance bonds quickly—typically when a prompt response is essential to secure a job. Coverages: Quick Contract Bonds (single-job performance and payment) Quick Bid Bonds to satisfy bid requirements Quick Payment & Performance Bond packages Alternative "Easy" or simplified bond options for smaller accounts Advantages: Fast quote and placement turnaround — new account submissions typically receive a response within 24–48 hours Competitive pricing within industry standards for small contractors Minimal underwriting paperwork when credit meets program requirements Ability to review and accept applications originally placed with other surety companies Access to J.M. Wilson surety markets that are "A" rated Quick Contract Bonds are intended for contractors who need bonding lines up to $350,000 per job with a $700,000 aggregate bonding line. These bonds are well suited to smaller projects and businesses that have fairly clean credit histories and need a fast solution for bid submission or to meet contract bonding requirements. Overview of the Program from J.M. Wilson Corp. This program is offered by J.M. Wilson Corp., a Managing General Agency and Excess & Surplus Lines broker with access to both admitted and non-admitted surety markets. The product is tailored to agents who need a quick surety option for clients that do not yet qualify for larger, more traditional bonding facilities. Ideal Accounts and Appetite - Small general contractors, subcontractors, and specialty trades with limited bonding histories - Newer firms that can demonstrate responsible credit and financial stability - Projects where single-job bonding needs do not exceed the program limits (up to $350,000 per job; $700,000 aggregate) Accounts that typically do not fit: contractors with significant adverse credit, ongoing claims or litigation, or complex multi-year contracts requiring large aggregate capacity. Coverage Highlights and When to Use This Program Use J.M. Wilson’s Quick Contract program when you need: A fast bid bond to meet a tight bidding deadline Payment and performance bonds for smaller public or private contracts A simplified underwriting path based primarily on credit rather than extensive financial histories Underwriting Notes and Minimum Premium Underwriting focuses on applicant credit; applicants should have fairly clean credit reports. Required items for submission generally include a completed application and a signed indemnity agreement. J.M. Wilson can also review applications previously submitted to other surety companies. Minimum premium and final terms vary by carrier and state—minimum premium: Varies. Territories and Availability Available in: AL, AK, GA, IL, IN, IA, KS, KY, ME, MI, MN, MS, MO, MT, NE, NH, NY, NC, ND, OH, OK, PA, SC, SD, TN, VT, VA, WV, WI, WY. Availability is subject to carrier approval and admitted vs. non-admitted market rules in each state. The program includes some admitted markets and non-admitted options depending on the state and risk profile. Why Work with J.M. Wilson Corp. on This Business As an MGA and E&S broker, J.M. Wilson provides agents with access to multiple A-rated surety markets and a streamlined underwriting process tailored for smaller accounts. The firm emphasizes quick turnaround, competitive pricing within industry standards, and flexible underwriting that can evaluate submissions previously placed with other sureties. This makes the program a practical solution when an insured needs bonding quickly to bid or secure smaller contracts. Example Scenarios - You have a client who is a small paving contractor bidding a municipal job valued at $200,000 and needs a bid bond within 48 hours. - A new roofing subcontractor wins a $60,000 private contract and requires a performance and payment bond but lacks an extensive bonding history. What is needed to get started: a completed application and a signed indemnity agreement. For more information on submission requirements or to discuss a specific account, contact J.M. Wilson Corp. — we look forward to working with you. Frequently Asked Questions What types of accounts are a good fit for the Quick Contract Bond program?Small or newer contractors with fairly clean credit who need bid, payment or performance bonds for single jobs up to $350,000 (with a $700,000 aggregate line). Ideal for trades and subcontractors with limited bonding histories. How fast can I expect a quote or decision on a submission?J.M. Wilson typically responds to new account submissions within 24–48 hours, assuming required documentation (application and signed indemnity) is provided promptly. What documentation is required to submit an account?At minimum, a completed bond application and a signed indemnity agreement. Additional information may be requested depending on the applicant’s credit and the size of the bond request. Are these bonds admitted or non-admitted?J.M. Wilson represents a mix of admitted and non-admitted carriers. Availability depends on the state and the specific surety market; some markets are admitted while others are non-admitted. Need help placing an account? Connect with a market specialist.

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