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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.

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Medical Malpractice Errors and Omissions Insurance Alexander J. Wayne & Associates, Inc. provides access to specialized Medical Malpractice Errors and Omissions markets for both standard and hard-to-place medical professionals. As a wholesale broker, we place coverage through top-rated carriers including Lexington, Chartis, James River, Hiscox, Admiral, CNA, Evanston/Essex/Markel, and Lloyd’s of London (domestic and London open market). We work with agents and brokers to secure tailored solutions across a wide range of healthcare exposures. Overview of the Program This program is designed to help agents place medical professional liability for accounts that may be challenged by standard markets due to prior claims, licensing issues, gaps in coverage, or unusual practice operations. We offer both admitted options in select states and broad access to non-admitted specialty markets nationwide. Our underwriting partners understand the nuances of medical malpractice and can often provide flexible terms when traditional carriers decline. Ideal Accounts and Appetite We write a wide spectrum of healthcare classes. Typical accounts include: Physicians with prior claims, disciplinary history, or coverage lapses Therapists, radiologists, and X-ray technicians Independent clinics, laboratories, and outpatient surgery centers Ambulance services, urgent care centers, and mobile medical units Spas and medical spas offering injectables, lasers, or other medical procedures IPAs, HMOs, PPOs, and multi-provider groups We can handle both solo practitioners and larger organizations; however, accounts with extreme regulatory issues or active criminal matters may not be eligible. If you have a higher-risk or unusual operation, contact our underwriting team to discuss options. Coverage Highlights and Advantages Our Medical Malpractice E&O program provides protection against allegations of negligence, errors, or omissions in the delivery of healthcare services. Key advantages for brokers and their clients include: Access to specialty carriers that understand complex medical exposures Flexibility to consider accounts with prior claims, non-renewals, or practice transitions Both admitted and non-admitted placement options depending on state and risk profile Ability to package coverage for individual practitioners and healthcare entities These features make the program a strong option when standard markets produce limited or unfavorable terms. Underwriting Notes and Minimum Premiums Underwriting is performed on a risk-specific basis. Minimum premiums typically start at $2,500 for specified medical professions; miscellaneous healthcare classes may have different minimums depending on exposure and complexity. When submitting, provide complete loss runs, current applications, and information on risk management or credentialing to help secure the best terms. Territories and Availability The program is available in all 50 states and Washington, D.C., with admitted options in some states and non-admitted markets accessible nationwide. Key state markets include CA, FL, NY, TX, and IL, but we can consider risks across the full territory list. Why Work With Alexander J. Wayne & Associates With decades of experience in medical professional liability, Alexander J. Wayne & Associates, Inc. is a trusted wholesale partner for independent agents and brokers. Our strengths include deep carrier relationships, specialty underwriting expertise, and a practical approach to placing difficult risks. We focus on finding workable solutions quickly so you can retain business that might otherwise be declined. Example placements you might bring to us: A solo physician with a prior malpractice claim and a recent gap in coverage seeking tail options and competitive terms. An outpatient clinic expanding into cosmetic procedures that needs coverage for new services and credentialing review. Contact us today to discuss a submission or to connect with a market specialist who can help place Medical Malpractice Errors and Omissions Insurance for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for physicians, therapists, technicians, clinics, and other healthcare providers who are difficult to place due to prior claims, gaps in coverage, or specialty services. Can you help place risks that have been declined by standard markets?Yes. We specialize in placing hard-to-place and nonstandard medical malpractice risks through our access to non-admitted markets and specialty carriers. Are there options for healthcare facilities as well as individuals?Absolutely. We can provide coverage for clinics, laboratories, ambulance services, HMOs, PPOs, and more, in addition to individual practitioners. What is the minimum premium for this program?Minimum premiums typically start at $2,500 for specified medical professions, though amounts may vary for miscellaneous healthcare classes based on underwriting factors. In which states is this program available?The program is available in all 50 states and Washington, D.C., with admitted markets in some states and non-admitted markets nationwide. Need help placing an account? Connect with a market specialist.

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.

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Professional Liability Insurance for Architects & Engineers of Energy and Environmental Design offered by Alexander J. Wayne & Associates. As energy-efficient and sustainable design practices grow, so do the liability exposures for professionals working in those fields. Architects, engineers, and consultants involved in green building and energy design face unique risks from unmet performance targets, certification shortfalls, or disputed energy modeling results. Many claims allege economic loss even when industry standards were followed. Alexander J. Wayne & Associates provides a specialized Professional Liability Insurance program tailored to design professionals in the energy and environmental design space. As a wholesale broker with access to a broad set of carriers, we help retail agents place hard-to-place risks that may fall outside the appetite of standard markets. Ideal Accounts and Appetite This program targets licensed architects, engineers, and consultants working on projects that include sustainable design, LEED or other green certifications, renewable energy integration, or energy-efficiency upgrades. Typical fits include: Firms delivering LEED-certified buildings or green infrastructure Consultants performing energy modeling, commissioning, or environmental impact analysis Engineers designing HVAC, solar, battery storage, or other energy-efficient mechanical systems Example accounts you might place through us: a small architecture firm specializing in sustainable office buildings with solar integration, or an engineering consultant advising a municipality on energy-saving retrofits. Coverage Highlights and Advantages Professional liability coverage tailored to exposures specific to green and energy-focused design Access to carriers familiar with energy performance and certification-driven disputes Potential coverage for economic loss tied to unmet certifications or performance guarantees (subject to underwriting) Admitted and non-admitted placement options available in select states Underwriting Notes and Minimum Premiums Underwriting evaluates firm size, annual revenue, professional staff, project types, contract terms, and claims history. Minimum premiums vary by carrier and state. We routinely consider new ventures, firms with prior claims, and accounts working on high-profile public or private projects—however, final appetite depends on the overall risk profile and submission details. Territories and Availability This program is available in most states, including CA, TX, NY, FL, IL, and WA. Coverage can be placed in all 50 states and the District of Columbia subject to carrier appetite and state-specific licensing. Some states offer admitted options; others are available only on a non-admitted basis. Why Work With Alexander J. Wayne & Associates? Alexander J. Wayne & Associates is a wholesale broker with deep experience placing specialized professional liability for niche and emerging sectors. We combine market relationships with technical underwriting insight into energy and environmental design exposures, helping you secure coverage for clients that may be difficult to place through standard markets. Contact us to discuss specific submissions and to determine which carriers and placement options are available for your client’s location and project types. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that fit include architects, engineers, and consultants working on LEED or green building projects, energy modeling, commissioning, and renewable integration. Can this program cover firms working on LEED-certified projects?Yes. We work with carriers that understand LEED and other environmental certifications and can tailor coverage to certification-related exposures, subject to underwriting review. Is coverage available in all states?Coverage can be placed in all 50 states and Washington, D.C., although admitted versus non-admitted options vary by state and carrier. What is the minimum premium for this program?Minimum premiums vary by carrier, state, and the account’s risk characteristics. Contact us with submission details for an indicative quote. Do you accept new ventures or firms with prior claims?Yes. We will consider new ventures and accounts with prior claims; placement will depend on the overall underwriting profile and project exposures. Need help placing an account? Connect with a market specialist.