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Architects and Engineers Insurance Overview of the Progra...l, civil, mechanical and electrical engineers, land surveyors, and interior de...

Directors & Officers Liability Insurance Offered by Alexander J. Wayne & Associates, Inc. Alexander J. Wayne & Associates, Inc. is a trusted wholesale broker with deep expertise in professional liability risks. Our For Profit Directors and Officers (D&O) Liability Insurance program is designed to protect directors and officers of privately held and publicly traded for-profit companies from a wide range of legal exposures. Overview of the Program Today’s business leaders face increasing legal risks from shareholders, employees, vendors, customers, competitors, and even government entities. Our D&O program is built to help agents place this challenging coverage by offering comprehensive protection for individuals in leadership roles. Whether your client is a startup or an established enterprise, we can help you secure broad coverage that protects both the company and its leadership team. Ideal Accounts and Appetite This program is suitable for a wide range of for-profit entities, including: Privately held companies Publicly traded companies Closely held or family-owned firms We welcome accounts across various industries, with special consideration for those with fewer than 200 employees to take advantage of certain defense cost benefits. If you have a client concerned about boardroom liability, such as a mid-sized manufacturer, technology startup, or retail chain, this program may be an excellent fit. Coverage Highlights and Advantages Our For Profit D&O Liability Insurance program offers a range of policy enhancements and options to address evolving risks: Separate Limit of Liability for Employment Practices Liability (EPL) claims D&O limit is not eroded by employment-related claims Unlimited Extended Reporting Period for former directors and officers at no additional charge EPL defense costs outside the limit of liability (available for accounts with 200 or fewer employees) Optional extensions for Fiduciary Liability and Crime Coverage Duty to Defend policy form Automatic Entity Coverage at no extra cost Spousal extension included Automatic coverage for service on 501(c)(3) nonprofit boards Coverage available for individual directors or officers Underwriting Notes and Carrier Access Alexander J. Wayne & Associates, Inc. works with all major U.S. carriers and Lloyd's of London, both domestic and London open market. This gives us the flexibility to tailor solutions for unique or hard-to-place risks. We offer coverage on both admitted and non-admitted paper, depending on state and risk characteristics. We take a consultative approach to underwriting and work closely with agents to find the best fit for each account. States and Availability This program is available in all 50 states, plus Washington, D.C., making it ideal for agents with multi-state clients or growing regional businesses. Whether you’re located in California, Texas, New York, or anywhere in between, we can help you place your client’s D&O risk. Why Work With Alexander J. Wayne & Associates, Inc.? With decades of experience in professional liability and management risk, Alexander J. Wayne & Associates, Inc. is a go-to resource for agents looking to place complex D&O exposures. We offer personalized support, market access, and underwriting expertise to help you deliver the right solution for your clients. Our broad coverage options, flexible underwriting, and national reach make us a strong partner in this space. Call us today to learn more about our Directors & Officers Liability Insurance program and how we can help you protect your clients' leadership teams. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for privately held and publicly traded for-profit companies, including startups, mid-sized businesses, and family-owned firms across a wide range of industries. Does this program include coverage for employment practices liability?Yes, it offers a separate limit of liability for EPL claims, and for accounts with 200 or fewer employees, EPL defense costs are covered outside the policy limit. Can individual directors or officers be covered under this program?Yes, this program offers coverage options for individual directors or officers, which can be especially helpful in unique board structures or advisory roles. Is this program available nationwide?Yes, the program is available in all 50 states and Washington, D.C. What carriers support this program?We work with all major U.S. carriers and Lloyd’s of London markets, offering both admitted and non-admitted solutions depending on the risk and location. Need help placing an account? Connect with a market specialist.

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NEW, EXCLUSIVE Private D&O, Employment Practices, Fiduciary Program Coverage Options Available Directors and Officers and Entity Liability Insurance Employment Practices Liability Insurance Fiduciary Liability Insurance Comprehensive Management Liability Coverage From U.S. Risk U.S. Risk Insurance Group, Inc. offers an exclusive national program tailored for private companies seeking Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability protection. Designed for small to mid-sized private entities, this program helps address critical exposures that threaten leadership and operational stability—whether through litigation, regulatory scrutiny, or employment-related claims. Ideal Accounts and Program Appetite This program is best suited for financially stable private companies with: Total assets up to $100 million Up to 1,000 employees Minimum 3 years in business Strong HR and compliance practices Sound business models and solvency You might have a client who recently grew to 350 employees and is now navigating expanded fiduciary exposure or a family-owned manufacturer seeking protection for its board and officers. These are ideal candidates for this program. Coverage Highlights and Advantages Exclusive, nationwide program (including CA) Limits up to $5 million with shared or combined aggregate options Full Prior Acts coverage available in most cases Duty-to-defend policy form Third-party EPLI coverage included Worldwide coverage for acts occurring anywhere—claims must be brought in the U.S. or Canada Full Severability of Application and Fraud/Personal Profit exclusions Separate or combined limit structures available Spousal/Domestic Partner extension included Broad “Claim” definition including: Monetary and non-monetary relief Judicial, civil, administrative, and criminal proceedings Requests to toll the statute of limitations Broad “Loss” definition including punitive and exemplary damages (where insurable by law) Order of Payments provision Bilateral extended reporting periods: 1-, 2-, and 3-year options Optional coverages: Full worldwide territorial coverage Cyber-crisis management cost coverage Modified defense outside the limits available for select classes Underwriting Parameters and Minimum Premiums U.S. Risk evaluates each risk individually but maintains a flexible underwriting approach for qualifying private companies. The program offers low minimum premiums and competitive pricing structures, making it accessible for smaller firms with growing exposures. Territories and Carrier Access Available in most states across the U.S., including CA, TX, FL, NY, and many others. U.S. Risk works with a variety of carriers to provide broad market access and responsive solutions. Most markets are admitted, depending on the state and class of business. Why Partner With U.S. Risk As a national program administrator, U.S. Risk brings deep expertise in management liability lines and a commitment to agent success. With exclusive access to markets, tailored underwriting, and fast turnaround times, U.S. Risk is a trusted partner for agents placing private D&O, EPLI, and fiduciary risks. Frequently Asked Questions What types of accounts are a good fit for this program?Privately held companies with up to $100 million in assets and 1,000 employees, operating for at least 3 years and demonstrating strong HR practices, are ideal. Can I write D&O, EPLI, and Fiduciary coverage on a single policy?Yes, this program offers combined or separate limits for D&O, EPLI, and Fiduciary Liability, depending on the needs of your client. Is this program available in all states?The program is available in most U.S. states, including California, Texas, Florida, and New York. Contact U.S. Risk for specific state availability. Are there options for extended reporting periods?Yes, 1-, 2-, and 3-year bilateral extended reporting period (ERP) options are available to accommodate clients’ needs after policy expiration. What makes U.S. Risk’s program different from others?This is an exclusive national program with broad coverage terms, low minimum premiums, and access to multiple carriers—backed by U.S. Risk’s underwriting expertise. 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.