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Lawyers Professional Liability Insurance Program Alexander J. Wayne & Associates, Inc. offers a focused Lawyers Professional Liability (LPL) program for retail agents and brokers placing both standard and hard-to-place legal risks. As a wholesale broker, we combine underwriting know-how with access to a select panel of U.S. carriers — including Lloyd's of London — to help you secure competitive, dependable coverage for your clients. Ideal Accounts and Target Risks We place firms of all sizes, from solo practitioners to large national practices. Our particular strength is in handling accounts that the admitted market finds difficult or declines. We are effective with higher-exposure or technically complex practice areas such as: Bankruptcy law Securities and corporate finance Taxation Entertainment and sports law Intellectual property Plaintiff bodily injury litigation Environmental law and complex real estate transactions Criminal defense Mergers & acquisitions Family and domestic relations law Oil & gas and public utilities Other niche or specialty practices Coverage Highlights and Advantages Our LPL program is designed to protect law firms from claims arising from alleged professional errors, omissions, or negligence. Coverage can be tailored to address the unique exposures of legal practice, with policy features and limits that reflect the firm’s risk profile. Access to both admitted and non-admitted markets depending on state and carrier appetite Customized placement strategies for declined, complex, or multi-jurisdictional risks Experienced wholesale underwriting team focused on legal professional liability Ability to consider firms with prior claims, disciplinary issues, or unconventional practice mixes Underwriting Notes Each submission is evaluated on its specific exposures, practice areas, and claims history. We work with you to collect the necessary information and package submissions to the carriers most likely to respond favorably. Typical requirements include a completed application, loss runs (if applicable), and a description of the firm’s practice mix and management controls. Minimum premium requirements and other terms vary by carrier and risk; we aim to find flexible solutions that balance breadth of coverage with market availability. Territories and Availability This program is available in most U.S. states. We actively place business 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, and WY. Availability and admitted/non-admitted options depend on carrier appetite and state regulations. Why Work With Alexander J. Wayne & Associates? With decades of experience in professional liability, Alexander J. Wayne & Associates brings focused underwriting expertise and strong carrier relationships to help you place challenging legal risks. Our team provides responsive service, practical submission guidance, and targeted market access to improve placement outcomes for your clients. Example Accounts You Might Place A mid-sized firm with a heavy securities practice and recent regulatory inquiries that was declined by standard admitted markets — you can submit with us for specialized underwriting and non-admitted options. A solo intellectual property attorney with a prior malpractice claim seeking retroactive coverage and flexible limits — we can present the submission to carriers that evaluate complex claim histories. Call us to discuss specific accounts and to determine the best submission strategy for your clients. Frequently Asked Questions What types of accounts are a good fit for this program? This program suits law firms of any size, especially those practicing in higher-risk specialties such as bankruptcy, securities, IP, or plaintiff bodily injury where placement in the admitted market may be difficult. Can you place coverage for firms with prior claims or disciplinary actions? Yes. We specialize in hard-to-place risks and frequently work with firms that have prior claims, disciplinary history, or other underwriting challenges. Are both admitted and non-admitted markets available? Yes. We have access to a mix of admitted and non-admitted carriers, including specialty markets, depending on the state and the account’s profile. Is coverage available nationwide? We offer this program in most U.S. states and Washington, D.C. Specific availability varies by carrier and state regulations. What is required to get a quote? Typically we need a completed application, current loss runs (if any), and details about the firm’s practice areas and management. Our wholesale team will work with you on submission requirements. Need help placing an account? Connect with a market specialist.

Railroad Protective Liability Insurance Alexander J. Wayne & Associates, Inc. offers a focused Railroad Protective Liability Insurance program designed for agents placing contractor work near railroad property. This program makes it straightforward to provide the railroad with the liability protection it requires when contractors are performing work adjacent to tracks, bridges, tunnels, signal houses and other railroad-owned facilities. Overview of the Program from Alexander J. Wayne & Associates Our Railroad Protective Liability product is written to benefit the railroad as the named insured and is typically paid for by the contractor. It responds to bodily injury, third-party property damage, and physical damage to railroad property arising from the contractor’s operations—commonly within 50 feet of the tracks. Alexander J. Wayne & Associates places this business through admitted capacity with major markets including Lexington and Zurich, and we provide both primary and excess solutions. Coverage Highlights and Advantages Simple, one-page application to speed placement and binding. Fast, responsive underwriting and servicing tailored for wholesale brokers. Standard limits $2,000,000 / $6,000,000 with higher limits available. Primary or excess coverage available with capacity up to $100,000,000. Minimum premium typically starts at $4,500—flexible for a wide range of project sizes. Covers both first-party and third-party liability exposures to the railroad named insured. Ideal Accounts and Appetite This program is a strong fit when you represent contractors, utility companies, municipal agencies, or engineering firms performing work adjacent to active railroad property. Typical examples include: A construction contractor installing conduit or fiber optic cable crossing under tracks. A bridge repair crew performing maintenance on or near a railroad bridge. A municipal crew conducting signal or grade crossing improvements within the railroad right-of-way. Accounts that generally fit: short-term project work near tracks, routine maintenance and installation projects, small-to-large construction jobs requiring the railroad to be an insured party. If work extends well beyond the railroad right-of-way or involves unusual operations not directly related to the railroad, consult underwriting for acceptability. Underwriting Notes and Minimum Premiums Application: one page; include details of the scope of work, distance to track, and project duration. Limits: standard $2M/$6M; higher limits and excess towers available up to $100M capacity. Minimum premium: commonly $4,500, but final premiums depend on exposure, limits, and territory. Admitted availability varies by state—contact our desk for admitted vs. non-admitted options in a specific jurisdiction. Territories and Availability Program availability includes a wide roster of states and territories. Because admitted status and market capacity can differ by state, please confirm availability for the specific state where the work will occur. Alexander J. Wayne & Associates can advise on admitted placement where available and non-admitted or excess solutions when needed. Why Work With Alexander J. Wayne & Associates As a wholesale broker, Alexander J. Wayne & Associates combines fast turnaround, streamlined paperwork, and access to established markets (including Lexington and Zurich) to help you place standard and hard-to-place railroad protective liability risks. Our team is experienced in the unique requirements railroads ask for, and we can help structure primary or excess placements to meet both the railroad’s requirements and your contractor client’s needs. Call Alexander J. Wayne & Associates today to discuss standard or complex Railroad Protective Liability placements and to get a quick quote for your client’s next project. Frequently Asked Questions What types of projects are a good fit for this Railroad Protective Liability program?Short-term construction, maintenance, utility installation, and bridge or signal work located adjacent to railroad property are ideal. Projects where the railroad will be named as an insured and the contractor wants the railroad’s protection are typical fits. What limits and capacity are available?Standard limits are $2,000,000 / $6,000,000. Higher limits and excess capacity are available, and the program can place primary or excess layers with aggregate capacity up to $100,000,000, subject to underwriting. How quickly can you bind coverage and what is required to submit?We use a one-page application to speed the submission process. Binding times are often quick; provide scope of work, project location and duration, and the railroad’s insurance requirements to start underwriting. Is this coverage available admitted in all states?Admitted availability varies by state. Alexander J. Wayne & Associates can advise whether admitted or non-admitted placement is appropriate for the state where the work will be performed. Who pays for the Railroad Protective Liability policy?Typically the contractor procures and pays for the policy, but the railroad is the named insured and the policy exists to protect the railroad against liability from the contractor’s operations. Need help placing an account? Connect with a market specialist.