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...ealistic expectations, frivolous lawsuits, or genuine errors. Professional lia...

Lawyers Professional Liability (E&O) Insurance Do your clients have the right Lawyers/Attorneys Professional Liability (E&O) Insurance? Tennant Risk Services is a specialty Managing General Agency and excess & surplus lines broker focused on lawyers professional liability. We place E&O (errors & omissions / professional liability) coverage for a full range of legal services — from sole practitioners to large specialty groups. Tell our underwriting team about your client’s practice areas and exposures, and we’ll work to deliver responsive service, broad market access, and competitive placement options. Overview of the Program from Tennant Risk Services Tennant provides access to multiple admitted and non-admitted markets and tailored policy forms designed for law firms, individual attorneys, trustees, judges, and related legal service providers. We combine underwriting experience in lawyers professional liability with risk management resources to help brokers place complex or higher-exposure accounts. Ideal Accounts and Appetite Law firms of all sizes (sole practitioners to multi-attorney firms) Employed/in-house attorneys, part-time lawyers, trustees and judges Legal service providers and legal data vendors Higher-exposure specialty practices: IP, securities, class actions, estate/trust/probate, real estate/foreclosure, collections, plaintiff litigation Accounts with adverse loss history, disciplinary proceedings, unusual business models, or startup/legal tech operations Coverage Highlights and Advantages Variety of limit and deductible options to fit firm size and risk tolerance Defense outside the limits and first dollar defense available on select placements Risk management services and resources available to help reduce claim frequency Optional or packaged Cyber Risk and Employment Practices Liability (EPL) coverage where appropriate Special provisions and bespoke wording available for unique exposures Underwriting Notes and Minimum Premiums Underwriting evaluates practice areas, revenue, claims and disciplinary history, staff supervision, conflict controls, and risk management practices. Tennant has experience placing tougher accounts — sole practitioners, higher exposure specialties, and firms with past claims or disciplinary matters. Minimum premium varies by carrier and risk; discuss specific minimums with Tennant underwriters when submitting an account. Territories and Admitted Status Available in: 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. Tennant places coverage through multiple markets; admitted coverage is available in some states and excess & surplus (non-admitted) options are used where needed. Typical Account Examples Sole practitioner with specialized practice — $1M limit placement example (premium varies). Intellectual property specialist requiring higher limits and bespoke wording — $1M limit placement example. Specialty practice group with prior claims requiring higher limits and tailored conditions — $3M limit placement example. General practice with real estate concentration — lower premium placement example for lower exposure accounts. Why Work With Tennant Risk Services Tennant combines niche underwriting expertise with access to multiple carrier markets and practical risk management support. As an MGA and E&S broker, Tennant can help brokers place admitted business where available and non-admitted placements when appropriate. Their team is positioned to handle tougher submissions, provide competitive terms, and advise on specialty coverage needs for lawyers and related professionals. For more information on lawyers/attorneys E&O, to discuss a specific client challenge, or to submit an account, please call or email ([email protected]). We look forward to working with you! Frequently Asked Questions What types of law firms are a good fit for this program?Tennant will consider firms of all sizes: sole practitioners, small and mid-sized firms, specialty boutiques, and in-house counsel. The program is particularly well suited for higher-exposure specialties (IP, securities, estate/trust/probate, real estate) and accounts that need tailored wording or risk management support. How does Tennant handle accounts with prior claims or disciplinary history?Tennant has experience placing accounts with adverse loss experience or disciplinary matters. Submissions should include loss runs and explanations; underwriting evaluates the severity, remediation steps, and current controls to determine market options and terms. Are admitted policies available or is this strictly non-admitted placement?Tennant works with multiple carriers and can place admitted coverage in select states; non-admitted (E&S) options are available where appropriate. State availability and admitted status depend on the carrier and the specific risk. Can Tennant add cyber liability or employment practices coverage to an E&O placement?Yes—Cyber Risk and EPL options can be provided alongside lawyers professional liability on many accounts. Availability depends on the carrier appetite and the insured’s exposures, claims history, and controls. What information should I include when submitting an account?Provide firm size, revenue, practice area breakdown, prior claims/loss runs, any disciplinary history, risk management procedures, and desired limits/deductibles. The more detail you include, the faster Tennant can assess market options and provide competitive terms. Need help placing an account? Connect with a market specialist.

...on-makers and board members from lawsuits related to their management decision...

Broker Liability Insurance One in five real estate agents and brokers will face a lawsuit during their career. Help your clients protect their professional reputation and financial stability with Alexander J. Wayne & Associates, Inc.'s Broker Liability Insurance program. As an experienced Excess & Surplus Lines broker, AJ Wayne places tailored real estate professional liability for agents, brokers and allied professionals using top-rated specialty carriers and targeted underwriting to match each client's exposure. Overview of the Program from Alexander J. Wayne & Associates, Inc. This program is designed to respond to common and specialty exposures in residential real estate practice—errors and omissions, personal injury (including libel and slander), discrimination allegations, pollution-related claims from property operations, and risks tied to lock boxes or subcontracted inspectors. AJ Wayne combines market access and underwriting experience to place straightforward accounts as well as harder-to-place risks through non-admitted carriers when necessary. Ideal Accounts and Appetite This program fits a broad range of real estate professionals, including: Real estate agents and brokers — residential Property managers and asset managers Home and lead paint inspectors Leasing agents and facilitators Mortgage brokers, bankers, and mortgage field representatives Residential real estate appraisers Real estate consultants and relocation consultants Typical fits: single-office brokerages, independent home inspectors, small-to-midsize property management firms, and mortgage professionals without significant commercial exposure. Accounts with high-value commercial portfolios, known fraud allegations, or documented prior criminal acts may require special placement or are outside standard appetite — AJ Wayne can advise on those on a case-by-case basis. Coverage Highlights and Advantages Independent Contractor Coverage: Options to extend protection to subcontracted inspectors and vendors. Lock Box Coverage: Includes property damage or loss arising from compromised lock boxes. Pollution Liability: Defense and indemnity for certain environmental claims tied to residential transactions or inspections. Discrimination Coverage: Defense for alleged discriminatory practices under fair housing or employment-related claims. Personal Injury: Libel, slander and other personal injury exposures — including online content. Punitive Damages: Available where insurable by jurisdiction and carrier. Automatic Acquired Subsidiary Coverage: Streamlines coverage for qualifying acquisitions. Common Ownership / Real Estate Equity Interest: Options to cover residential sales by affiliated developers or owned residential properties. Underwriting Notes and Minimum Premium Minimum premium for the program starts at $2,000. AJ Wayne works with a broad panel of specialty carriers to secure capacity and competitive terms. Representative markets include E-risk, Chartis, BRP, PRF, Axis, Schinnerer, Brown and Brown, Gen Star, Hiscox, Kinsale, Lexington, Liberty, US Risk, Houston Casualty, Shand, Specialty Global, USLI, Travelers, Tudor, Pearl Program, and Landy. Many placements are available on a non-admitted basis to give flexibility for more complex or harder-to-place risks. Territories and Availability AJ Wayne offers this program nationwide. Coverage is available in all 50 states and Washington, D.C., with broad access in states such as CA, FL, NY, TX, IL, and WA. Availability is subject to carrier appetite and state-specific regulations. Why Work With Alexander J. Wayne & Associates, Inc.? As an Excess & Surplus Lines broker with deep ties to specialty markets, AJ Wayne provides agents and brokers with market access, underwriting insight, and placement support tailored to real estate professionals. We focus on fast, practical solutions for both routine accounts and more challenging risks—helping you secure appropriate coverage, defend client relationships, and close deals. Example scenarios you might place through this program: A solo residential broker who needs E&O with online personal injury coverage after expanding marketing to social media. A small property management firm seeking pollution coverage and independent contractor protection for subcontracted maintenance vendors. Call AJ Wayne today to discuss a specific account or to get guidance on documentation and submission requirements. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits a wide range of residential real estate professionals, including brokers, property managers, home inspectors, appraisers, and mortgage professionals. Small to mid-size firms are typically the best fit. Is this coverage available in all states?Yes. Coverage is available in all 50 states and Washington, D.C., subject to carrier appetite and state-specific rules. What is the minimum premium for this program?The program’s starting minimum premium is $2,000. Final pricing depends on class of business, limits, and risk characteristics. Are independent contractors covered under this program?Yes. The program includes options to extend coverage to independent contractors, such as subcontracted inspectors or vendors, where requested and underwritten. Which carriers do you work with for this program?AJ Wayne places this business with a wide range of specialty carriers including USLI, Travelers, Hiscox, Liberty, Gen Star, Axis, and many others on our panel. Need help placing an account? Connect with a market specialist.

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