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Premises Pollution Liability (PPL) Insurance Program from Commercial Sector Insurance Brokers Commercial Sector Insurance Brokers offers a specialized Premises Pollution Liability (PPL) Insurance Policy designed for industrial, commercial, and agricultural property owners, managers, and developers. This program provides broad environmental liability solutions to help your clients manage both sudden and gradual pollution events, covering first-party cleanup as well as third-party bodily injury and property damage exposures. Ideal Accounts and Appetite This PPL program fits a wide range of property types and operations. Typical accounts include: Manufacturing and industrial facilities Warehouses and distribution centers Agricultural operations and grain storage Commercial real estate developments Brownfield redevelopment and site remediation projects Recycling, transfer stations, and certain waste management sites You should consider this program when a client owns or operates properties with known or potential historical environmental exposures, or when a transaction creates the need for environmental due diligence or lender-required protection. Example fits: a commercial real estate investor buying a former manufacturing site that may have legacy contamination; or a warehouse operator seeking coverage for accidental releases from on-site operations. Coverage Highlights and Advantages The PPL Insurance Policy from Commercial Sector delivers broad protections commonly needed by property owners and developers, including: Coverage for sudden and accidental pollution incidents Protection for gradual or long-term pollution conditions First-party on-site cleanup and remediation costs Third-party bodily injury, property damage and cleanup liabilities Business interruption and loss of use where applicable Coverage is placed primarily through Excess & Surplus (E&S) markets with some admitted options in select states. With access to 15+ environmental carriers, Commercial Sector can often tailor terms and limits to match an insured’s risk profile. Underwriting Notes and Minimum Premiums Minimum premiums start at $5,000. To place a risk efficiently, include detailed property information, historical site use, any Phase I/II environmental site assessments (if available), and disclosure of known or suspected pollution conditions. The underwriting team has experience evaluating complex environmental histories and can assist with placement strategies for challenging or legacy exposures. Territories and Availability This PPL program is available in most U.S. states, including admitted options in a limited number of jurisdictions. Coverage is offered in over 45 states and Washington, D.C. — examples include CA, TX, FL, NY, IL, and GA. Contact Commercial Sector for specifics on admitted availability and state-by-state placement considerations. Why Work With Commercial Sector Insurance Brokers? As an experienced Excess & Surplus Lines broker with relationships across 15+ environmental markets, Commercial Sector Insurance Brokers helps agents place environmental risk that can be difficult to bind on standard markets. Their strengths include responsive underwriting, flexibility on terms, and experience handling multi-site or redevelopment accounts. Whether you’re placing a single site or a portfolio, they provide practical placement guidance and access to tailored solutions. If you need placement assistance or have a complex site history, Commercial Sector can review submissions and recommend the best market approach to secure appropriate coverage for your client. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include industrial facilities, commercial property developers, agricultural operations, and sites with historical pollution exposure or redevelopment plans. Is this coverage available in my state?The program is available in most states, including CA, TX, FL, NY, and over 40 others. Some states offer admitted options while most placements are non-admitted. What is the minimum premium for this policy?The minimum premium starts at $5,000, but actual pricing will depend on the property's risk profile and coverage limits. What documentation is needed to submit a risk?Typical submissions include property details, site history, environmental assessments (if available), and information about known or suspected pollution conditions. Can this policy cover both sudden and gradual pollution events?Yes, the policy is designed to address both sudden/accidental and gradual pollution events, offering broad protection for on-site and third-party liabilities. Need help placing an account? Connect with a market specialist.

Architects & Engineers Professional Liability (E&O) Insurance Tennant Risk Services is a specialty wholesale broker and MGA with deep expertise in professional liability for design professionals. Our Architects & Engineers E&O program gives agents access to multiple carriers and flexible, competitive coverage options tailored for firms ranging from startup architecture practices to large multi-disciplinary engineering shops. Ideal Accounts and Appetite We work with both licensed and non-licensed professionals across the design and construction space. Typical classes we place include: Architects — residential, commercial and mixed-use Civil, structural, electrical, mechanical and process engineers Construction managers and design/build firms Interior designers and landscape architects Land surveyors and urban planners Forensic engineers and telecommunications consultants We also have market strength for harder-to-place accounts such as: Firms with product design exposure Contractors and manufacturers needing E&O Project-specific or wrap-up policies Operations with oil & gas or geotechnical exposures Startups or firms with adverse loss history Coverage Highlights and Advantages Tennant Risk Services’ Architects & Engineers program includes features that help you manage clients’ professional liability risks: Minimum premiums starting as low as $1,750 Flexible limits and deductible structures Defense outside the limits and first-dollar defense options Coverage for independent contractors and subconsultants Access to vendor risk management and loss-control resources Optional Cyber and Employment Practices Liability (EPL) extensions Example accounts we’ve placed to illustrate program fit: Residential architect — $500,000 limit; $2,750 premium Specialty engineer — $1 million limit; $4,750 premium Design/build firm — $2 million limit; $72,500 premium Contractor design engineer — $500,000 limit; $3,750 premium Structural engineer with project management duties — $1 million limit; $22,000 premium Underwriting Notes and Minimum Premiums Our underwriting team evaluates accounts with an eye toward contract scope, fee schedule, project types and loss history. Minimum premiums start at $1,750 depending on class and territory, and we offer a range of deductible and limit options to fit small firms through larger practices. We handle standard risks quickly and have experience navigating more complex or high-exposure accounts. Territories and Availability Coverage is available in most U.S. states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, 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. Admitted options are available in some states depending on the carrier and specific risk. Why Work With Tennant Risk Services? Tennant Risk Services pairs specialty underwriting expertise with broad market access to help retail agents place professional liability coverage efficiently. Key advantages for brokers: Multiple carrier relationships to match coverage to exposure Responsive service with fast quote turnaround Solutions for standard accounts and hard-to-place risks For more information or to discuss a specific submission, contact us at [email protected]. You can also visit our company profile or the program page on CompleteMarkets: program page. Frequently Asked Questions What types of accounts are a good fit for this program?We target a wide range of design professionals including architects, engineers, construction managers and design/build firms — both licensed and non-licensed. Can you help with hard-to-place risks?Yes. We place complex accounts such as firms with adverse loss history, product design exposures, unique operations, or specialized project work. What is the minimum premium for Architects & Engineers E&O?Minimum premiums start at $1,750. Final pricing depends on class of business, firm size, territory and loss history. Is coverage available nationwide?Coverage is available in most states. Admitted options exist in some jurisdictions based on carrier appetite and the specific risk. Can you include Cyber or EPL coverage?Yes — Cyber Liability and Employment Practices Liability can be packaged with E&O where appropriate for the client’s exposures. Need help placing an account? Connect with a market specialist.

Architects & Engineers Professional Liability (E&O) Insurance Tennant Risk Services is a specialty wholesale broker and MGA with deep expertise in professional liability for design professionals. Our Architects & Engineers E&O program gives agents access to multiple carriers and flexible, competitive coverage options tailored for firms ranging from startup architecture practices to large multi-disciplinary engineering shops. Ideal Accounts and Appetite We work with both licensed and non-licensed professionals across the design and construction space. Typical classes we place include: Architects — residential, commercial and mixed-use Civil, structural, electrical, mechanical and process engineers Construction managers and design/build firms Interior designers and landscape architects Land surveyors and urban planners Forensic engineers and telecommunications consultants We also have market strength for harder-to-place accounts such as: Firms with product design exposure Contractors and manufacturers needing E&O Project-specific or wrap-up policies Operations with oil & gas or geotechnical exposures Startups or firms with adverse loss history Coverage Highlights and Advantages Tennant Risk Services’ Architects & Engineers program includes features that help you manage clients’ professional liability risks: Minimum premiums starting as low as $1,750 Flexible limits and deductible structures Defense outside the limits and first-dollar defense options Coverage for independent contractors and subconsultants Access to vendor risk management and loss-control resources Optional Cyber and Employment Practices Liability (EPL) extensions Example accounts we’ve placed to illustrate program fit: Residential architect — $500,000 limit; $2,750 premium Specialty engineer — $1 million limit; $4,750 premium Design/build firm — $2 million limit; $72,500 premium Contractor design engineer — $500,000 limit; $3,750 premium Structural engineer with project management duties — $1 million limit; $22,000 premium Underwriting Notes and Minimum Premiums Our underwriting team evaluates accounts with an eye toward contract scope, fee schedule, project types and loss history. Minimum premiums start at $1,750 depending on class and territory, and we offer a range of deductible and limit options to fit small firms through larger practices. We handle standard risks quickly and have experience navigating more complex or high-exposure accounts. Territories and Availability Coverage is available in most U.S. states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, 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. Admitted options are available in some states depending on the carrier and specific risk. Why Work With Tennant Risk Services? Tennant Risk Services pairs specialty underwriting expertise with broad market access to help retail agents place professional liability coverage efficiently. Key advantages for brokers: Multiple carrier relationships to match coverage to exposure Responsive service with fast quote turnaround Solutions for standard accounts and hard-to-place risks For more information or to discuss a specific submission, contact us at [email protected]. You can also visit our company profile or the program page on CompleteMarkets: program page. Frequently Asked Questions What types of accounts are a good fit for this program?We target a wide range of design professionals including architects, engineers, construction managers and design/build firms — both licensed and non-licensed. Can you help with hard-to-place risks?Yes. We place complex accounts such as firms with adverse loss history, product design exposures, unique operations, or specialized project work. What is the minimum premium for Architects & Engineers E&O?Minimum premiums start at $1,750. Final pricing depends on class of business, firm size, territory and loss history. Is coverage available nationwide?Coverage is available in most states. Admitted options exist in some jurisdictions based on carrier appetite and the specific risk. Can you include Cyber or EPL coverage?Yes — Cyber Liability and Employment Practices Liability can be packaged with E&O where appropriate for the client’s exposures. Need help placing an account? Connect with a market specialist.

The Herbert H. Landy Insurance Agency, Inc. offers a comprehensive Miscellaneous Professional Liability (MPL) program designed to help insurance agents and brokers secure the right coverage for a wide range of professional service providers. Whether your client is a management consultant, IT professional, or claims adjuster, Landy provides flexible solutions to help protect against claims of negligence, errors, or omissions in the performance of their professional duties. Overview of the Program From The Herbert H. Landy Insurance Agency With decades of experience in professional liability, The Landy Agency specializes in placing E&O and professional liability coverage for hard-to-place and emerging professional classes. This MPL program offers both admitted and non-admitted markets, giving you the flexibility to find the right fit for your client’s needs—whether they are a startup or an established firm. The program is available in most states and is backed by a broad underwriting appetite and responsive service team. Ideal Accounts and Appetite This program is designed for a wide variety of professional services, including but not limited to: Management Consultants Employment Agencies, Recruiters, and Temporary Staffing Firms Data Processing Companies Claims Adjusters Travel Agencies Collection Agencies Architects and Engineers IT Consultants Home Inspectors Title Agents and Mortgage Brokers For-Profit and Non-Profit Directors & Officers (D&O) You might have a client who is launching a new consulting agency or a seasoned IT firm expanding its services—Landy can help you find a market for both. Coverage Highlights and Advantages The Miscellaneous Professional Liability program offers customizable coverage options tailored to your insured’s operations. Key features include: Access to Numerous Admitted & Non-Admitted Markets Coverage for a Broad Array of Professional Classes Cybercrime and Crime Coverage Available for All Classes Experienced Underwriting Support and Fast Quote Turnaround Underwriting Notes and Minimum Premiums Submissions are accepted for nearly all industry classes and business types. The program is flexible enough to accommodate new ventures, independent contractors, and established firms. While minimum premiums may vary depending on the class and risk profile, Landy works to find cost-effective solutions tailored to each account. Territories and Availability The Miscellaneous Professional Liability program is available in most U.S. states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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. With both admitted and non-admitted options, you have flexibility in coverage placement depending on your client’s state and risk profile. Why Work With The Herbert H. Landy Insurance Agency For over 70 years, The Herbert H. Landy Insurance Agency has been a trusted name in professional liability coverage. Agents and brokers turn to Landy for its deep market knowledge, strong carrier relationships, and commitment to service. Whether you're placing a standard account or navigating a complex risk, Landy's responsive team supports you every step of the way—from submission to policy issuance. To learn more or to submit a risk, visit the Herbert H. Landy Insurance Agency profile or go directly to the Miscellaneous Professional Liability storefront. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for a wide range of professional service providers, including consultants, IT firms, claims adjusters, title agents, and more. New ventures and established businesses are both welcome. Are both admitted and non-admitted markets available?Yes, The Landy Agency offers access to both admitted and non-admitted carriers, allowing for flexible placement depending on the risk profile and state. Can I submit accounts outside of the listed target classes?Yes, submissions are accepted for nearly all industries and classes of business. The underwriting team will review and determine eligibility on a case-by-case basis. Is cyber coverage available through this program?Yes, cybercrime and crime coverage options are available for all classes under this program. What states is this program available in?The program is offered in most U.S. states, including CA, NY, FL, TX, and many others. Please refer to the full list above for specific state availability. 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.