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Environmental Underwriting Solutions (EUS) offers a focused Energy, Oil & Gas Insurance program designed for agents placing businesses that operate in exploration, production and related services. Available in most U.S. states, this program gives you access to specialized coverages — including pollution and professional liability — and flexible capacity to help place difficult-to-insure energy accounts with confidence. Program Features: - ISO Commercial General Liability (CGL) - Proprietary Contractors Pollution Liability - Proprietary Professional Liability - Proprietary Site Pollution Liability - ISO-Based Follow Form Excess Liability (supported and unsupported) - Flexible capacity and stacking options - Primary limits up to $2M/$4M/$4M - Follow Form Excess limits up to $10M (includes Pollution and Professional Liability) Ideal Accounts and Target Classes: - Manufacturers and distributors serving the energy sector - Alternative fuels and renewable energy operations - Oil field consultants, completion, workover and well service providers - Roustabouts, lease crews, logging and mud companies - Reclamation, remediation and disposal well facilities - Waste-to-energy and anaerobic digestion projects - Instrumentation, control and cathodic protection services - Safety, industrial hygiene and communications vendors - Grading, site preparation and other contractors serving energy sites Coverage Highlights and Advantages: EUS combines admitted ISO forms with proprietary pollution and professional liability wording to create broader solutions for energy risks. The program supports mixed placements — primary GL, contractors pollution, site pollution and professional liability — with follow form excess limits available on both supported and unsupported bases. Flexible attachment points and capacity make it easier to build layered structures on complex accounts. Limits and Deductibles: - Limits available up to $12,000,000 - Deductibles starting at $0 (risk-dependent) - Minimum premiums start at $4,000 Underwriting Appetite & Typical Restrictions: EUS targets energy-related operations with pollution and professional exposures that are often challenging for standard markets. Typical fits include contractors with limited pollution history, consultants providing engineering or well services, and facilities handling waste-to-energy or renewable fuels. Accounts with ongoing significant contamination, recent large loss history, or operations outside the listed target classes may require additional review or be outside appetite. Territory and Availability: This program is available in most U.S. states, including 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. Why Work With Environmental Underwriting Solutions: As a wholesale broker, EUS pairs deep pollution and energy underwriting experience with access to multiple markets. They provide tailored forms, responsive underwriting and flexible placement structures that help you close accounts other markets decline. EUS is positioned to support both admitted and non-admitted solutions where appropriate. Example placements: You might have a client that operates a disposal well facility and needs layered coverage for site-specific pollution and general liability, or a startup producing renewable fuels that requires contractors pollution plus professional liability. EUS can help you structure those placements and navigate market appetite. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for energy-related businesses such as oil field consultants, alternative fuel producers, mud companies, remediation contractors, and contractors supporting production and well services. What coverages are included in the Energy, Oil & Gas program?Coverage options include Commercial General Liability, Contractors Pollution Liability, Professional Liability, Site Pollution Liability, and Follow Form Excess coverage. What are the coverage limits and minimum premiums?Limits can be placed up to $12 million, with minimum premiums starting around $4,000. Deductible options begin as low as $0, subject to underwriting review. Is this program available in all states?The program is available in most U.S. states, including key energy-producing states like TX, OK, ND, and PA. See the territory list above for full availability. Can I place unsupported excess coverage through this program?Yes. Follow Form Excess coverage is available on both supported and unsupported bases and can include pollution and professional liability where appropriate. Need help placing an account? Connect with a market specialist.

Miscellaneous Errors and Omissions Insurance Professionals across countless industries face the risk of being sued for alleged mistakes in the performance of their duties—even if they weren’t actually at fault. These claims can severely impact a professional’s reputation and financial stability. That's where Miscellaneous Errors and Omissions (E&O) Insurance becomes crucial. At Alexander J. Wayne & Associates, Inc., we specialize in helping insurance agents and brokers place hard-to-place E&O risks across a broad spectrum of professions. Overview of the Program From Alexander J. Wayne & Associates With decades of experience and access to over 40 different markets—including all major U.S. carriers and Lloyd’s of London—Alexander J. Wayne & Associates offers flexible and competitive solutions for virtually any professional liability exposure. Whether you’re working with a niche consultant or a healthcare provider with a complex history, our underwriting team is equipped to help you find the right coverage. Ideal Accounts and Appetite We have successfully placed coverage for a wide variety of professional classes, including but not limited to: Miscellaneous Professionals and Consultants Technology and IT Service Providers Real Estate Professionals (agents, property managers, consultants) Architects and Engineers Insurance Agents and Brokers Attorneys and Law Firms (especially hard-to-place risks) Medical Professionals (physicians, dentists, nurses, imaging centers) Accountants and Bookkeepers Financial Planners, Investment Advisors, and Broker-Dealers Marketing and Management Consultants We are open to reviewing virtually all professional classes—even those that fall outside the standard appetite of many markets. Coverage Highlights and Advantages We provide tailored E&O coverage designed to meet the unique needs of each profession. Key features of our offerings include: Limits ranging from $100,000 up to $10,000,000 Separate excess limits available Minimum premiums starting as low as $800 for lower limits First-dollar defense options Defense costs in addition to limits of liability Full prior acts coverage Third-party discrimination coverage Defense for fee disputes Custom coverages tailored to specific professions Group or association programs available “A” Rated carriers by A.M. Best Fast turnaround on quotes and policy issuance Underwriting Notes and Minimum Premiums Our underwriting team is highly experienced in assessing complex risks and tailoring solutions that meet your client’s unique needs. We consider a wide range of risk profiles, including new ventures and distressed accounts. Minimum premiums vary by risk class and limit, with entry points as low as $800 for smaller accounts. Territories and Availability Our Miscellaneous E&O program is available in all 50 states, plus Washington, D.C. Whether your client is based in a major metropolitan area or a rural community, we have market access and expertise to help you find the right solution. Why Work With Alexander J. Wayne & Associates? As a wholesale broker with deep experience in professional liability, we understand the nuances of E&O exposures across a wide range of industries. Our expansive market access, responsive service, and creative underwriting approach make us a valuable resource for agents and brokers looking to place challenging or niche E&O risks. Call us today to learn how we can help you place your next Miscellaneous Errors and Omissions account—especially the ones that others can’t. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous E&O program?This program is ideal for a wide range of professionals, including consultants, IT service providers, real estate agents, lawyers, accountants, and medical professionals. We are especially effective in placing hard-to-place or non-standard risks. Can you write new ventures or professionals with previous claims?Yes, we have markets that will consider new ventures and accounts with prior claims, depending on the circumstances and risk profile. What are the minimum premium requirements?Minimum premiums start as low as $800 for lower-limit policies, but actual pricing will vary based on the class of business, limits, and risk factors. Is this program available nationwide?Yes, our Miscellaneous E&O program is available in all states, including Washington, D.C. What carriers do you work with for this program?We work with all major U.S. carriers and Lloyd’s of London markets, including both admitted and non-admitted options. Need help placing an account? Connect with a market specialist.