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Overview — Architects and Engineers Professional Liability Insurance As...uded—particularly for environmental engineers and consultants. Coverage availa...

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

Architects & Engineers Liability Program from Continental ...gram?This program is well suited to engineers, testing laboratories, environme...

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Architects & Engineers Professional Liability (E&O) In...inimum premium for Architects & Engineers E&O?Minimum premiums start a...

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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.

Public Company Directors & Officers Insurance (D&O) Are your clients protected with the right Directors & Officers (D&O) insurance? Whether you represent a public company, private business, or nonprofit, Tennant Risk Services provides market access and underwriting expertise to place D&O coverage tailored to each client’s exposures. Tennant Risk Services is a Managing General Agency and Excess & Surplus Lines Broker focused on D&O across a broad range of industries and organizational structures. We work with retail agents and brokers to secure competitive terms and quick turnaround from top-tier carriers. Coverage is available in all 50 states and Washington, DC, with admitted and non-admitted options depending on the risk and market. Classes We Serve: Public companies Private companies Nonprofit organizations Associations & unions Companies preparing for IPOs Limited and other partnerships Trusts and trustees Special Coverage Options: Side A Excess Individual directorship coverage We routinely handle complex or challenging accounts, including: Accounts with adverse loss history Unique or layered financial structures Financially distressed companies Crowdfunding or pre-IPO ventures Recapitalizations and M&A exposures Public officials and quasi-governmental entities Reps & warranties liability considerations Coverage Highlights: Access to multiple carrier markets for competitive terms Flexible limits, attachment points, and deductible options Separate limits available for specific exposures (e.g., Side A) Risk management support and loss-control guidance for insureds Sample D&O Placements: Private Company – Specialty Equipment Rental: $1M Limit / $8,000 Premium Public Company – Biopharmaceutical Research: $5M Limit / $83,000 Premium Non-Profit – Recreational Association: $1M Limit / $1,000 Premium Private Company – Equipment Distributor: $5M Limit / $12,000 Premium Territories & Market Access: We can place D&O coverage in all 50 states and Washington, DC. Tennant has access to both admitted and non-admitted markets; the best option depends on the account’s profile, state requirements, and carrier appetites. Underwriting Notes & Minimum Premiums: Tennant works with multiple carriers, so minimum premiums and eligibility vary by market. Provide complete submission details—financials, current D&O program wording, loss run history, and a summary of any special exposures—to help us target the right markets and pricing quickly. Typical Accounts That Fit This Program Public companies seeking primary or excess D&O capacity Private firms with growth, M&A, or recapitalization plans Startups and pre-IPO companies needing IPO-tailored solutions Nonprofits, associations, and trustees with fiduciary exposures Tough placements—prior losses, distressed balance sheets, or complex financial arrangements Why Work with Tennant Risk Services? Tennant supports retail brokers with specialty underwriting knowledge, broad market relationships, and responsive service. We prioritize efficient submissions, timely feedback, and practical placement strategies—especially for difficult or high-exposure D&O risks. Use Tennant to broaden your market access and improve terms for standard or complex D&O accounts. For questions, submissions, or to discuss a client situation, please call or email us. We look forward to working with you! Frequently Asked Questions What types of accounts are a good fit for this D&O program?We work with public companies, private businesses, nonprofits, associations, trustees, and more—including tougher accounts such as financially distressed companies or those with prior losses. Can Tennant Risk Services help with D&O coverage for startups or IPOs?Yes. We offer solutions for startups, companies preparing for an IPO, and entities involved in crowdfunding or complex financial structures. Which states is this D&O program available in?This program is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options depending on the carrier and the account. Do you offer Side A D&O or individual director coverage?Yes. We can place Side A Excess coverage and individual directorship coverage when appropriate for the client. What is the minimum premium for this program?Minimum premiums vary by carrier and account specifics. We work across multiple markets to identify competitive minimums for each submission. Need help placing an account? Connect with a market specialist.