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CalSurance offers coverage to Financial Institutions with the strive to help them against the higher frequency of lawsuits and investigative action. This action is being brought on by regulators, creditors, employees, and customers. The cost of the defense on these actions alone can be very great and devastating to a financial institution. Financial Institution Directors and Officers Insurance is designed specifically to protect against actions such as: • Lack of fiduciary oversight • Non-compliance with government regulations • Mismanagement • Employment Practices litigation (such as wrongful termination and harassment) For more information on our Financial Institution Directors and Officers Insurance contact us today!

...Insurance agents & brokers – Lawyers – Medical malpractice risks • 75+ m...

Private Company Directors & Officers Insurance (D&O) Do your clients have the right Private Company Directors & Officers (D&O) protection? Tennant Risk Services offers tailored D&O programs for private, public and non-profit organizations — backed by broad market access and underwriting expertise. We deliver competitive terms, fast turnaround, and placement options across admitted and excess & surplus markets so you can place difficult or high-exposure accounts with confidence. Tennant Risk Services provides Private Company Directors & Officers Insurance (D&O) for a wide range of organizations. Tell us about your client and we will respond quickly with market options and competitive pricing. Our underwriting is focused on getting broad coverage at lower cost whenever appropriate for the risk. Classes and target account types: Private companies Public companies Non-profit entities Associations & unions Initial public offerings (IPOs) Limited and other partnerships Trusts & trustees Special coverage provisions and optional modules: Side A Excess (A-Side) coverage Individual directorship coverage Custom programs for groups or pooled arrangements Ability to combine with EPL, Cyber, Fiduciary, Crime, Professional E&O where appropriate Tougher accounts? Put our D&O expertise to work. We routinely handle placement challenges such as: Adverse loss experience Unique or complex financial structures Financially distressed entities and recapitalizations Public officials and quasi-governmental entities Reps & warranties-related exposures Program highlights and advantages: Minimum premiums as low as $750 Multiple markets — carrier placement varies by risk, size and territory Wide variety of limit and deductible options; separate limits available Risk management services and loss-control support Flexible admitted and E&S solutions through our MGA and broker relationships Representative D&O account examples agents place through this program: Private company — specialty equipment rental: $1M limit, $8,000 premium (example placement). Public company — biopharmaceutical research: $5M limit, $83,000 premium (example placement). Non-profit — recreational association: $1M limit, $1,000 premium (example placement). Private company — equipment distributor: $5M limit, $12,000 premium (example placement). Underwriting notes and how to submit Tennant Risk Services acts as a Managing General Agency and Excess & Surplus Lines broker with access to multiple carriers. Provide standard D&O submission materials (application, financials, corporate structure, prior loss runs and any IPO or transactional documents if applicable). Minimum premiums can start around $750; final pricing depends on exposure, limits, and attachment points. Territories and availability This D&O program is available in the following states: 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, WY. Coverage placement and admitted vs. non-admitted options vary by state and carrier. Why work with Tennant Risk Services on D&O We focus on specialty D&O business and complicated placements — from IPO readiness to distressed transactions. Our strengths include broad market relationships, tailored program design (including Side A and individual directorship solutions), and underwriting that seeks to balance coverage breadth with competitive pricing. We support retail agents with expert guidance through placement and policy issuance. For more information, to discuss a specific client challenge, or to submit an account, please call or email ([email protected]). We look forward to partnering with you. Put our Directors & Officers Insurance (D&O) expertise to work for you! Frequently Asked Questions What types of accounts are a good fit for Tennant's Private Company D&O program?Private and public companies, non-profits, associations, partnerships, trusts and IPO-bound firms are core targets. The program also handles tougher risks such as financially distressed entities, recapitalizations and organizations with adverse loss history. Which coverages and policy features can I request through this program?You can pursue primary and excess D&O limits, Side A excess, individual directorship coverage, and package placements that include EPL, Cyber, Fiduciary, Crime or Professional E&O where markets permit. What submission materials does Tennant typically require?Provide a completed application, recent financial statements, corporate structure details, prior loss runs and any IPO or transaction documentation. The underwriters will advise on additional items based on the account. How are markets and admitted status determined?Tennant places business with multiple carriers; admitted versus non-admitted placement depends on the state, carrier appetite and the client’s risk profile. Expect flexibility through our MGA and E&S broker channels. Is there a minimum premium or small-account option?Yes — minimum premiums can start around $750. Final premium depends on limits, deductible, exposure and carrier selection. Need help placing an account? Connect with a market specialist.

Lawyers Professional Liability Coverage by P...age available in all states?Yes, the Lawyers Professional Liability program is...

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.

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.