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Fiduciary Liability Insurance & ERISA The Employee Retirement Income Security Act of 1974 (ERISA) creates broad fiduciary responsibilities for anyone who designs, sponsors, administers or manages employee benefit plans. Employers, plan administrators, plan committees and individual fiduciaries can face claims arising from pension and welfare plans, including 401(k)s, profit-sharing plans, medical and life benefits, scholarship programs and prepaid legal plans. Common allegations we see on Fiduciary Liability accounts include: Errors during plan mergers, terminations or asset transfers Negligent administration or procedural mistakes Inadequate or inaccurate plan disclosures Allegations of imprudent investment of plan assets Failure to pursue or collect delinquent contributions Claims based on lack of due diligence in selecting or monitoring service providers Other miscellaneous fiduciary breach allegations Alexander J. Wayne & Associates, Inc. offers both standalone Fiduciary Liability policies and D&O package options that include fiduciary coverage—delivered as a wholesale broker with access to all major U.S. carriers and Lloyd’s of London (domestic and London open market). Overview — Program from Alexander J. Wayne & Associates, Inc. As a wholesale broker, Alexander J. Wayne & Associates places Fiduciary Liability Insurance for plan sponsors, administrators and fiduciaries who need ERISA-focused protection. We work with admitted and non-admitted markets to find solutions for straightforward and complex single-employer plans, multiple-employer plans and third-party administrators. Ideal Accounts and Appetite Private and public employers that sponsor 401(k), pension, profit-sharing and welfare plans Plan administrators, boards of trustees and named fiduciaries seeking fiduciary error defense Third-party administrators (TPAs) and recordkeepers with clear controls and documented procedures Taft-Hartley funds and multi-employer plans with standard governance practices We typically consider accounts with documented governance, regular investment monitoring, and up-to-date plan disclosures. Accounts with ongoing litigation, significant asset miss-management or material regulatory violations may require special underwriting and placement strategies. Coverage Highlights and Advantages Standalone fiduciary forms or packaged with Directors & Officers coverage for broader protection Access to competitive markets, including Lloyd’s capacity for large or complex placements Underwriting tailored for ERISA exposures—focus on plan governance, investment oversight and sponsor practices Flexible limit and deductible structures depending on risk characteristics Underwriting Notes and Submission Tips Provide the following to speed placement: current plan documents, recent Form 5500s, summary plan descriptions, investment policy statements, fiduciary training records and details on any prior or pending claims. Highlight documented procedures for monitoring investments and selecting service providers. If you have an account with recent plan mergers, terminations or suspicious asset transfers, disclose those early in the submission—those items materially affect terms and market selection. Territories and Availability This program is available through Alexander J. Wayne & Associates in the following states and territories: 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. We place both admitted and non-admitted coverage depending on the risk and client needs. Why Work With Alexander J. Wayne & Associates, Inc.? Wholesale broker relationships with major U.S. carriers and Lloyd’s of London for broad capacity Experience placing ERISA and fiduciary risks across a wide range of industries and plan sizes Responsive underwriting advocacy to secure appropriate forms and competitive terms Options for standalone fiduciary policies or combined D&O/Fiduciary placements Example scenarios You have a mid-size employer sponsoring a 401(k) and a small defined benefit plan that needs standalone fiduciary limits and ERISA defense—this program can access carriers that are comfortable with mixed-plan portfolios. You represent a TPA seeking fiduciary coverage for third-party administration services with documented controls—markets through Alexander J. Wayne can consider package placements or standalone forms. Frequently Asked Questions What types of accounts are a good fit for this Fiduciary Liability program?Plan sponsors (401(k), profit-sharing, pension), plan administrators, TPAs and boards of trustees with documented governance and investment oversight are ideal. Taft-Hartley and multi-employer plans with regular reporting are also considered. Do you offer standalone fiduciary coverage or only package placements?We offer both. Alexander J. Wayne places standalone Fiduciary Liability policies and D&O package policies that include fiduciary coverage, depending on market appetite and the client’s needs. Which states and markets are available?The program is 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 and WY. We place with major U.S. carriers and Lloyd’s of London across admitted and non-admitted markets. What key documents should I include with a submission?Include plan documents, Form 5500s, summary plan descriptions, investment policy statements, records of fiduciary training and any prior claim history to speed underwriting and improve placement options. Need help placing an account? Connect with a market specialist.

... consultant roles, such as: Marijuana Facilities Healthcare Staffing ...nal settings like tattoo studios or marijuana facilities. Does this program co...

A professional providing a service to others can be sued for an actual or alleged error or omission! Although Errors & Omissions (E&O) claims may not be frequent, they can be financially devastating to the professionals and businesses involved. Whether or not your client is at fault, the cost of defending a claim can be significant—and the exposure to reputational harm is real. At Alexander J. Wayne & Associates, we specialize in placing Errors & Omissions coverage for a wide range of professional services. As a wholesale broker with decades of experience and access to top-rated carriers, we help retail agents place both standard and hard-to-place E&O accounts quickly and effectively. Ideal Accounts and Target Classes We offer tailored E&O solutions for hundreds of professional classes. Some of our focus areas include: • Claims Management • Real Estate Professionals • Environmental Consultants • Appraisers • Call Centers • Court Reporters • Business Brokers • Financial Consultants • Home Inspectors • Health Care Consultants • Insurance Consultants • Management Consultants • Mortgage Brokers • Staffing Companies • Title/Escrow Agents • Trustees • And many more If you have a niche or non-standard class, contact us—we likely have a market for it. Coverage Highlights and Advantages We work with “A”-rated carriers and offer flexible coverage options to meet your clients’ needs, including: • Third Party Discrimination Coverage • Full Prior Acts • First Dollar Defense Expense • Excess Limits Available • Group or Association Programs • Fast Turnaround on Quotes • Defense for Fee Disputes • Contingent Bodily Injury & Property Damage Options Limits are available from $100,000 up to $10,000,000 or more. Policies can be customized based on your client's risk profile and industry. Underwriting Guidelines and Minimum Premiums Our minimum premiums start at $750, with pricing flexibility depending on class and risk. We pride ourselves on quick response times and the ability to deliver multiple quote options—often before an agent receives their first indication from other markets. Available States We provide access to E&O coverage in nearly every U.S. state, 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. Some admitted options are available depending on the state and class. Why Work With Alexander J. Wayne & Associates? Our strong relationships with underwriters and specialty markets allow us to provide fast, flexible, and competitive E&O solutions. Whether you're placing a standard professional account or a tough-to-place risk, we deliver results that exceed expectations. Retail agents are often surprised at how quickly we deliver multiple quote options—often before they hear back from their usual markets. Let us help you expand your E&O offerings and win more accounts. Frequently Asked Questions What types of accounts are a good fit for this Errors & Omissions program?We specialize in a wide range of professional service providers including consultants, brokers, appraisers, inspectors, and more. Both standard and hard-to-place risks are welcome. What is the minimum premium for this program?Minimum premiums start at $750, but pricing may vary based on class, limits, and underwriting factors. Are admitted carriers available?Yes, we have access to admitted carriers in some states and for certain classes. Availability depends on the individual risk and location. Can you quote risks with prior claims or unusual exposures?Yes, we have markets that can consider distressed or hard-to-place E&O risks, including those with prior claims or unique operational exposures. How quickly can I get a quote?We pride ourselves on fast turnaround. In many cases, we can provide multiple quote options before you receive your first response from other markets. Need help placing an account? Connect with a market specialist.

Hospitals Errors & Omissions Insurance offered through Alexander J. Wayne & Associates. Alexander J. Wayne & Associates, Inc. is a trusted wholesale broker focused on Medical Malpractice and related professional liability risks. Our Hospitals Errors and Omissions Insurance program delivers flexible E&O solutions for standard and hard-to-place healthcare providers and facilities across a wide range of specialties. Program Overview We place hospital and healthcare E&O with a robust panel of carriers, including Lexington, Chartis, James River, Hiscox, Admiral, CNA, Evanston/Essex/Markel, and Lloyd’s of London (domestic and London open market). That carrier access allows us to develop tailored solutions for unique or distressed accounts that may be declined by traditional markets. Target Risks and Ideal Accounts This program is designed for healthcare organizations and medical professionals that carry elevated E&O exposure or are difficult to place. Typical accounts include: Hospitals and medical centers Clinics and outpatient facilities Independent physician associations (IPAs) HMOs and PPOs Laboratories and diagnostic imaging centers Ambulance and emergency response services Medical spas and wellness centers Hard-to-place individual providers (e.g., physicians, therapists, X-ray techs) If your client has prior claims, licensing or compliance issues, or operates in a higher-risk specialty, we can often identify a market that will consider the risk. Coverage Highlights Errors & Omissions protection tailored for healthcare providers and facilities Access to both admitted and non-admitted markets where available Solutions for distressed, nonstandard, and high-exposure accounts Competitive minimum premiums — typical starting point $2,500 for standard medical professionals Underwriting Details and Minimum Premiums Underwriting focuses on the account’s operational scope, claims history, specialty mix, and risk management controls. Standard classes such as licensed physicians and therapists generally begin at the stated minimum premium of $2,500. Miscellaneous medical and facility classes are rated by class and exposure; premiums will vary based on the carrier selected and the individual account characteristics. We work closely with agents to gather supporting loss runs, policies and procedures, and relevant credentialing information to improve placement outcomes. Available States This program is available in most U.S. states. Coverage is offered in the following territories: 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. Admitted availability varies by carrier and state — contact us to confirm admitted vs. non-admitted options for a specific account. Why Work With Alexander J. Wayne & Associates? With decades of experience placing medical professional liability, Alexander J. Wayne & Associates provides agents with wide market access, fast turnaround, and expertise handling complex underwriting scenarios. Our strengths include: Deep relationships with admitted and specialty markets for healthcare E&O Experience placing distressed, high-exposure, and niche healthcare accounts Responsive underwriting and advocacy to help secure terms for renewal or new placements Practical guidance on documentation and risk presentation to improve chances of placement Example placements you might submit: a community hospital with prior medical board actions seeking a new E&O carrier; a diagnostic imaging center expanding services that needs tailored limits and an insurer willing to underwrite mixed-modality exposures. Call us today to learn how Alexander J. Wayne & Associates can help place Medical Malpractice, Doctors, Clinics, and Hospitals Errors and Omissions Insurance business. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Hospitals Errors and Omissions Insurance program?This program fits hospitals, clinics, diagnostic labs, ambulance services, medical spas, and individual medical professionals — including accounts that are hard to place because of specialty, claims history, or operational complexity. Is this program available for providers with prior claims or licensing issues?Yes. Alexander J. Wayne & Associates specializes in placing distressed and nonstandard risks, including those with prior claims, licensing matters, or compliance concerns. Each submission is evaluated on its merits. What is the minimum premium for this program?Minimum premiums typically start at $2,500 for standard medical professional classes. Other classes are rated by exposure and may have different minimum thresholds. Are both admitted and non-admitted options available?Yes. We place both admitted and non-admitted coverage depending on the carrier, state, and account profile. Availability varies by state and by market. In which states is this program available?The program is available in most U.S. states. Contact us with the state and account details so we can confirm admitted availability and carrier appetite for that jurisdiction. Need help placing an account? Connect with a market specialist.

Employee lawsuits can be devastating to a business—they can be inconvenient, costly, and time-consuming. Employment-related claims continue to rise across the United States, posing a significant threat to businesses of all sizes—especially small and mid-sized companies that may lack the resources to defend against such claims. Whether it's allegations of discrimination, harassment, wrongful termination, or violations of workplace laws, employers need protection. With Employer Practices Liability Insurance (EPLI) from Alexander J. Wayne & Associates, Inc., insurance agents and brokers can help their clients manage this growing exposure. Our comprehensive EPLI program is designed to safeguard businesses against the financial and reputational damage that can stem from employee lawsuits. Ideal Accounts and Appetite We work with a wide variety of businesses across all industries. This program is a strong fit for: Small to mid-sized businesses with 5–500 employees Privately held companies or nonprofits Clients with prior employment practices policies or new to EPLI coverage Accounts with a commitment to formal HR practices and workplace policies You might have a client in retail, hospitality, healthcare, or professional services who recently terminated an employee and is concerned about potential claims. This program can help protect them from the legal and financial fallout. Coverage Highlights and Advantages Our EPLI program includes broad, flexible protection to address the evolving risks of the modern workplace. Coverage features include: • Third Party Liability • Discrimination • Wrongful Termination • Defense Costs Outside the Limits • No Intentional Acts Exclusion • Internet and Email-Related Employment Acts • Coverage for Retaliation, Demotion, Failure to Promote, Wrongful Discipline, and more • Violations of the Family Medical Leave Act (FMLA) • Extension of Coverage for Lawful Spouses • Broad Definition of Harassment, including Sexual Harassment • Free Employment Practices Hotline – Unlimited Calls, No Time Limits • FLSA Sublimit Underwriting Notes and Minimum Premiums Premiums for this program start as low as $1,500, making it accessible for a wide range of clients. The application process itself provides valuable insights for businesses looking to improve their internal employment practices—even before binding coverage. We offer flexible underwriting and access to most major insurance markets writing EPLI, including but not limited to ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and more. Territories and Availability This program is available in all 50 states and Washington, D.C., giving you nationwide reach for your clients. Whether your client is in California, Texas, New York, or a smaller market, we can help you find the right EPLI solution. Why Work With Alexander J. Wayne & Associates, Inc. As a leading wholesale broker with deep expertise in EPLI and professional liability, Alexander J. Wayne & Associates, Inc. is your go-to partner for hard-to-place or specialized employment practices risks. We provide responsive service, expert guidance, and access to top-tier carriers—ensuring you get the best coverage options for your clients. Let us help you offer peace of mind to your commercial clients by protecting them from today’s complex employment risks. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Small to mid-sized businesses across various industries—especially those with 5 to 500 employees—are ideal for this program. We also work with nonprofits and privately held companies. Which states is this program available in?This Employer Practices Liability Insurance program is available in all 50 states and Washington, D.C. What carriers do you work with for EPLI coverage?We have access to a wide range of top-rated carriers, including ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and many others. Is there a minimum premium requirement?Yes, the minimum premium for this EPLI program typically starts at $1,500, though this may vary based on the account. Does the program include any value-added services?Yes, the program includes a free employment practices hotline with unlimited calls and no time limits, providing added value to your insureds. Need help placing an account? Connect with a market specialist.