Search CompleteMarkets

When you hear the term “non-profit,” most people think of charitable organizations—those devoted to health, human services, education, religion, or environmental causes. These organizations play a vital role in our communities, but their tax-exempt status doesn’t shield them from legal and financial exposures. In fact, non-profit boards and executive leaders often face a wide range of potential liabilities, making Directors & Officers (D&O) coverage a critical part of their risk management strategy. Protect Your Non-Profit Clients with D&O Coverage from Alexander J. Wayne & Associates Alexander J. Wayne & Associates, Inc. offers a robust Non Profit D&O insurance program designed specifically to meet the complex needs of 501(c)(3) organizations and other non-profit entities. As a trusted wholesale broker, we provide access to competitive D&O markets—including all major U.S. carriers and Lloyd’s of London (both domestic and London open market). We understand the unique risks non-profits face, from board member decisions to employment-related claims. Our program is built to help insurance agents place D&O coverage that protects both the organization and its leadership. Ideal Accounts and Appetite This program is an excellent fit for a wide range of non-profit organizations, including: Charities and foundations Health and human services providers Religious institutions Educational and arts organizations Environmental advocacy groups Community associations and clubs You might have a client running a regional animal rescue or a non-profit counseling center—both are strong candidates for this D&O program. The program is especially suitable for organizations with up to 200 employees, although larger risks may also be considered. Coverage Highlights and Advantages Our Non Profit D&O program offers broad protection for both the organization and its directors, officers, and board members. Key features include: • Separate Limit of Liability for Employment Practices Liability (EPL) claims • D&O Liability Limit is not eroded by employment claims • Unlimited Extended Reporting Period for former Directors & Officers at no additional charge • EPL Defense Costs Outside the Limit of Liability (for accounts with 200 or fewer employees) • Optional Fiduciary Liability Extension • Optional Crime Coverage • Duty to Defend Policy • Entity Coverage automatically included at no additional premium • Automatic coverage for service on Non Profit 501(c)(3) boards • Spousal Extension • Coverage available for individual directors or officers This comprehensive offering is designed to safeguard against lawsuits from employees, volunteers, donors, vendors, and even government regulators. Underwriting Notes and Minimum Premiums Our underwriting team evaluates each risk individually to provide tailored solutions. Although no specific minimum premium is listed, we work to find the most competitive terms for qualifying risks. Accounts with strong governance practices and a history of minimal claims are particularly attractive. Territories and Availability This program is available in all 50 states and the District of Columbia. Whether your client is based in California, Texas, New York, or a smaller market like Wyoming or Maine, we can help you place the right coverage. Why Work With Alexander J. Wayne & Associates? Alexander J. Wayne & Associates has decades of experience placing specialty lines coverage, including D&O for non-profits. As a wholesale broker, we offer: Access to top-rated carriers, including Lloyd’s of London Programs tailored specifically for non-profit exposures Responsive underwriting support and knowledgeable staff Solutions for both standard and hard-to-place risks Let us help you serve your non-profit clients with confidence. Call our team today to discuss your next D&O placement. Frequently Asked Questions What types of accounts are a good fit for this Non Profit D&O program?We target 501(c)(3) organizations such as charities, religious institutions, educational nonprofits, and health or human services groups. Accounts with up to 200 employees are ideal. Is Employment Practices Liability (EPL) coverage included?Yes, our program offers a separate limit for EPL claims, and for smaller accounts, defense costs are outside the liability limit. Can this program cover individual board members or officers?Yes, individual director or officer coverage is available, and automatic spousal extension is included. Which states is this program available in?The program is available in all 50 states and the District of Columbia. What carriers support this program?We work with all major U.S. carriers and Lloyd’s of London, either through domestic or London open markets. Need help placing an account? Connect with a market specialist.

... J. Wayne & Associates offers Doctors Errors and Omissions Insurance built... for this program?This program suits doctors, therapists, technicians, and hea...

...• Medical Facilities and Doctor’s Offices • Clinics and Hospitals • Consultant...

...ned for agents who represent: Doctors and physician groups (including many.../Facilities program?The program fits doctors and physician groups, hospitals, ...

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.

...althcare professionals, including doctors and physicians Law firms Res...

...n help place Medical Malpractice, Doctors, Clinics, and Hospitals Errors and O...

NAS Insurance Services — Medical Malpractice Insurance (Allied Healthcare) NAS Insurance Services offers a broad Allied Healthcare Medical Malpractice program designed for independent agents and brokers seeking E&S solutions for allied and ambulatory healthcare providers. Limits for Professional and General Liability are available up to $6,000,000 through Lloyd’s of London and other highly rated carriers. This program is written on a non-admitted / Excess & Surplus basis. Ideal accounts and target classes The program targets a wide range of allied healthcare and outpatient operations. Typical eligible classes include: Certified Nurse Anesthetists Dental clinics Diagnostic imaging and X-ray clinics Dialysis centers Drug & alcohol rehabilitation centers Drug testing and medical testing labs Health & fitness centers and medical spas Home health agencies and nurse registries Medical clinics, surgi-centers, and psychiatric hospitals Mental health and physical therapy clinics Opticians, optometrists, and pharmacists Coverage highlights and advantages NAS’ Medical Malpractice Insurance includes market-competitive features tailored for allied healthcare risks: Policy limits available up to $6,000,000 for Professional and General Liability. Sexual misconduct and molestation liability available by endorsement. Defense-in-addition to the limits available by endorsement. MEDEFENSE™ endorsement for HIPAA, EMTALA and Stark-related defense exposure. e-MD™ coverage for customer notification and credit monitoring costs, network security/privacy, data recovery, and media liability. Hired & Non-Owned Auto available where appropriate. Punitive damages covered where insurable by law. Underwriting notes and typical appetite NAS underwriters look for allied healthcare operations with clear clinical controls, documented procedures, and appropriate staff credentials. This program is well suited to outpatient and ambulatory settings, clinics, and professional practices that want robust malpractice protection with specialty endorsements. Accounts with stable loss experience and strong risk management profiles are preferred. Accounts that may need special review or could be outside appetite include high-severity surgical hospitals, unusual experimental procedures, or entities requiring admitted paper in jurisdictions where admitted coverage is mandatory. Minimum premiums and placement Minimum premium: Varies by class, limits, and state. Because this program is placed on a non-admitted/E&S basis through Lloyd’s and other markets, premiums and terms will reflect risk profile and selected endorsements. Typical submission items include a completed application, current loss runs, description of services offered, and provider credentials. Territories and availability Available in the following jurisdictions: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Coverage is provided on a non-admitted (E&S) basis; confirm state eligibility on submission. Why place allied healthcare malpractice with NAS Insurance Services? As a Managing General Underwriter and E&S broker, NAS combines specialty underwriting with access to Lloyd’s and other A-rated carriers to provide flexible wording and endorsements that many admitted markets do not offer. The program is built for brokers who need tailored malpractice solutions for allied providers, including coverage for privacy/network exposures and sensitive endorsements like sexual misconduct or defense-in-addition. Example scenarios where this program fits: An outpatient dialysis center seeking limits above standard admitted offerings and cyber/privacy coverage for patient records. A multi-site medical spa wanting professional liability with optional sexual misconduct and data breach support via e-MD™. Contact NAS Insurance Services to discuss appetites, available endorsements, and submission requirements for your allied healthcare clients. Place complex allied healthcare risks where you need tailored E&S solutions and specialty endorsements. Frequently Asked Questions What types of allied healthcare accounts are a good fit for this NAS program?Clinical and outpatient operations such as dental clinics, imaging centers, home health agencies, medical testing labs, medical spas, physical therapy clinics, nurse registries, and similar allied providers with documented procedures and credentialed staff. What limits and special endorsements are available?Limits up to $6,000,000 for Professional and General Liability. Endorsements include sexual misconduct and molestation (by endorsement), MEDEFENSE™ for HIPAA/EMTALA/Stark exposure, e-MD™ for breach response and privacy/network liability, Defense-in-Addition, hired & non-owned auto (where appropriate), and punitive damages where insurable. Is this coverage admitted or non-admitted?This program is offered on a non-admitted / Excess & Surplus basis through Lloyd’s of London and other highly rated carriers. Confirm state eligibility and surplus lines requirements at submission. What submission materials does NAS typically require?Common items include a completed application, current loss runs (usually 5 years), a description of services and procedures, provider CVs/licenses, and any risk-management or clinical protocols relevant to the exposure. Need help placing an account? Connect with a market specialist.

...bs Beauty Salons Doctor Offices Permanent Makeup Artists S...

...onvenience stores, and caterers Doctors, dentists, physical therapists, and ...