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Miscellaneous Errors and Omissions Insurance ...ram available nationwide?Yes, our Miscellaneous E&O program is available in al...

...ng service providers Other miscellaneous fiduciary breach allegations Ale...

...specified medical professions; miscellaneous healthcare classes may have diffe...ions, though amounts may vary for miscellaneous healthcare classes based on un...

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.

... of business and risk profile. Miscellaneous healthcare occupations may be sub...

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.

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.

Alexander J. Wayne & Associates, Inc. (A.J. Wayne & Associates) offers a flexible, competitive Cyber Liability Insurance program for agents and brokers nationwide. We understand the evolving digital threats faced by your clients and provide tailored coverage options across a wide range of industries. Ideal Accounts and Appetite We can entertain most classes of cyber liability exposures, including but not limited to: Retailers (both online and brick-and-mortar) Restaurants and hospitality businesses Healthcare providers and allied health facilities Professional services firms such as law, accounting, and consulting practices Technology companies and SaaS providers Distributors and manufacturers Financial institutions and related service providers Any organization that stores, processes, or has access to personal or confidential information is a candidate for privacy and security insurance. If your client handles customer or employee data, they will likely benefit from cyber liability coverage. Coverage Highlights and Advantages Our cyber liability offerings include a broad scope of coverages to address modern digital exposures and regulatory risk: Broad and basic coverage forms available Claims-made and reported coverage Duty to defend provisions Coverage for breaches of privacy rights and consumer data laws Protection for failure to secure sensitive data per contracts or policies Acts by vendors, contractors, and outsourcers included Privacy claims brought by employees Coverage for breach of commercial confidentiality Regulatory actions where insurable Optional media liability and intellectual property infringement coverage Coverage for negligent transmission of malware First-party notification and credit monitoring expenses Optional enhancements: security costs, hacker damage, business interruption, and cyber extortion Underwriting Notes and Minimum Premiums We provide quick quote turnaround—often within 15 minutes through our quoting platforms. Our broad market access allows us to place both admitted and non-admitted coverage depending on the state and carrier. Minimum premiums typically start at $1,000 (may be lower in select situations) Limits available from $250,000 to $1,000,000+, with higher limits accessible Deductibles commonly start at $1,000 All participating carriers are rated A- or better To start a submission, agents can complete our pre-application or full application online. We respond within 24 hours of receiving submissions and will outline market access options and next steps to bind. Territories and Availability We can provide cyber liability options in most U.S. states. We file surplus lines in all states except Alabama. Admitted quotes are available in select states depending on carrier appetite. Why Work With A.J. Wayne & Associates As a wholesale broker, Alexander J. Wayne & Associates, Inc. gives you access to a deep bench of top-rated carriers including ACE USA, Beazley, Axis, CNA, and more. Our team is known for fast responses, strong market relationships, and the ability to place complex or layered cyber programs efficiently. Whether your client is a small professional firm or a mid-sized technology company with sensitive data, we can help find the right cyber liability solution. Our underwriters provide practical guidance on required controls, exclusions to expect, and optional enhancements to tailor coverage. Frequently Asked Questions What types of accounts are a good fit for this cyber liability program?We accommodate a wide range of industries including healthcare, retail, financial services, professional firms, and technology companies—essentially any business that handles personal, sensitive, or confidential data. How quickly can I expect a quote?Our brokers use multiple quoting platforms and can often provide options within 15 minutes of receiving the required information. Are admitted carriers available for this program?Yes. Admitted quotes are available in some states depending on the carrier. We also have surplus lines filing capabilities in all states except Alabama. What is the minimum premium for cyber coverage?Minimum premiums typically start at $1,000, though lower premiums may be available depending on the risk profile and coverage limits. Can I submit a pre-application to see if my risk qualifies?Yes. We encourage agents to submit the pre-application form so we can quickly assess eligibility and recommend the best markets and next steps. Need help placing an account? Connect with a market specialist.

Medical Stop Loss Insurance from Alexander J. Wayne & Associates, Inc. Alexander J. Wayne & Associates, Inc. places hard-to-find Medical Stop Loss programs for both fully insured and self-funded employer groups. We offer broad market access — including top U.S. carriers and Lloyd’s of London — so you can access admitted and non-admitted excess medical capacity depending on the client’s state and needs. Whether you’re placing groups as small as 50 lives or much larger employers, we help design flexible stop loss structures that balance protection and cost. Ideal Accounts and Appetite Our stop loss solutions are targeted to brokers and agents who work with mid-sized to large employers seeking to manage catastrophic medical risk. Typical fits include: Employer groups with 50+ lives Employers newly moving from fully insured to self-funded arrangements Groups seeking creative alternatives to standard health plan buyouts Accounts with known high-cost exposures (transplants, oncology, catastrophic claims) We welcome challenging placements — high claims volatility, prior large claims, and unique exposures are often exactly the business our markets will consider. We’ll analyze your client’s experience and recommend appropriate specific deductibles, corridor options, and contract features. Coverage Highlights and Ancillary Services In addition to standard specific and aggregate stop loss, our capabilities include a range of ancillary and specialty coverages to complete a self-funded program: Transplant-specific stop loss Group Life Insurance Dread Disease Insurance Travel Accident programs Medical Indemnity coverage Medicare Supplement options Provider Excess Insurance Benefit Captives (South Carolina) We also help connect you with experienced TPAs, actuaries, utilization review vendors, and provider network partners to support plan design, pricing, and administration. Underwriting Flexibility and Program Details Our underwriters are pragmatic and creative. We’ll structure retention levels, corridor and aggregate features, and commission arrangements to match a client’s budget and risk tolerance. Expect a hands-on underwriting review that looks at current claims trend, large claim history, stop loss attachment preferences, and any clinical exposures that may require tailored language or sublimits. Available Markets and Territories We place business with a select group of major U.S. carriers and Lloyd’s of London (domestic and London open market). Solutions may be offered on an admitted basis in some states and as non-admitted placements in others to secure competitive capacity. Our reach includes all 50 states and Washington, D.C., with capability in major markets such as CA, FL, IL, NY, and TX as well as traditionally harder-to-place states. Why Partner with Alexander J. Wayne & Associates As a wholesale broker focused on stop loss, Alexander J. Wayne & Associates brings deep market relationships and decades of experience placing complex excess medical risk. We provide prompt quoting, problem-solving underwriting, and access to specialty solutions that many brokers cannot obtain directly. Our goal is to help you win and retain business by delivering competitive terms and practical implementation support. Call us today and ask how Alexander J. Wayne & Associates can help you place hard-to-place Medical Stop Loss Insurance accounts. Frequently Asked Questions What types of accounts are a good fit for this Medical Stop Loss program?Our program fits employer groups with 50 or more lives that are self-insured or transitioning from fully insured plans. We also place high-risk or claims-volatile groups that need customized stop loss structures. Do you offer additional services beyond stop loss coverage?Yes. We can connect you with TPAs, actuaries, provider networks, and utilization review partners, and we place ancillary coverages such as transplant, group life, and dread disease insurance. What carriers do you work with for Medical Stop Loss?We work with a select group of major U.S. carriers and Lloyd’s of London, providing admitted and non-admitted options depending on the state and client requirements. Can you help with small groups under 100 employees?Yes. We can assist with groups as small as 50 lives and will tailor structures to the group’s risk profile and funding goals. In which states is this program available?We can place Medical Stop Loss nationwide, including all 50 states and Washington, D.C.; admitted availability varies by carrier and state. Need help placing an account? Connect with a market specialist.

Engineers Professional Liability Insurance — Alexander J. Wayne & Associates, Inc. Alexander J. Wayne & Associates places Engineers Professional Liability Insurance for a broad spectrum of design professionals. As a wholesale broker with deep A&E market access, we offer admitted and surplus capacity through multiple carriers to handle both routine and hard-to-place risks. Our placement options include first-party professional liability coverage and extensions to protect against third-party exposures, including vicarious liability arising from professional subcontractors. Who this program serves This program is designed for agents and brokers who need flexible coverage for design professionals. Typical classes we write include: Architects Structural engineers Geo-technical engineers / soils testing Land surveyors Electrical and mechanical engineers Process and civil engineers Construction managers (at-risk and agency) Coverage highlights and advantages Primary professional liability wording with optional third-party and vicarious liability extensions. Admitted and non-admitted markets available—placement through multiple admitted and surplus carriers. Flexible limits and deductible options to match client needs and contract requirements. Underwriting experience for complex or high-exposure projects (dams, bridges, mines, petroleum/pipeline, nuclear, condominiums, design/build). Ability to place solo practitioners and new ventures as well as firms with adverse loss history. Ideal accounts and appetite Alexander J. Wayne is suited for a wide range of A&E risks, including: Small to mid-size firms seeking admitted paper or surplus capacity. Firms working on heavy civil, infrastructure, energy, and petrochemical projects. Design/build teams and construction managers requiring professional liability written with construction exposures in mind. Accounts with prior claims or unique project exposures that need tailored submission and market access. We are generally open to accounts with adverse loss history, solo firms, new ventures, and firms involved in specialty work such as dams, bridges, mines, nuclear, and pipeline projects. Very large program placements or risks with unresolved regulatory matters may require expanded underwriting submissions and tailored terms. Underwriting notes and minimum premium Typical submissions should include the applicant’s professional liability application, current resumés of key professionals, copies of standard contracts, and loss runs. Minimum premium: varies by carrier and state—please confirm on submission. Because we work with both admitted and surplus markets, we can structure terms to meet contractual or budgetary constraints. Territories and availability This program is available 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 business through admitted and surplus markets as appropriate for the risk. Why work with Alexander J. Wayne & Associates As a wholesale broker with specialized A&E placement capability, Alexander J. Wayne provides market access, experienced underwriting intake, and the flexibility to handle both standard and hard-to-place engineers professional liability accounts. Our broad carrier panel and experience with complex project exposures help you secure the right coverage for clients that require tailored terms. Example account scenarios You have a mid-size structural engineering firm bidding on bridge repairs that requires higher limits and a vicarious liability endorsement for subcontracted inspection work — we can seek admitted or surplus markets to satisfy the project owner’s contract. A single-owner geotechnical consultant with prior small claims needs renewal with limits and retroactive coverage — we can place new ventures and solo practitioners through carriers familiar with that profile. Call your Alexander J. Wayne wholesale underwriter today to discuss submissions, appetite, and the best market strategy for your client’s Engineers Professional Liability needs. Frequently Asked Questions What types of engineering firms are a good fit for this program?This program fits a wide range of design professionals: architects, structural, civil, geo-technical, electrical, mechanical, process engineers, surveyors, and construction managers. It handles small firms through mid-size specialty practices and accounts with complex project exposures. Can policies include coverage for subcontractor or vicarious liability?Yes. We offer first-party professional liability and can extend policies to include third-party and vicarious liability for professional subcontractors when the market and underwriting terms allow. How does Alexander J. Wayne handle firms with prior claims?We have placement options for firms with adverse loss history. Provide detailed loss runs and claim summaries with your submission so underwriters can evaluate risk and suggest appropriate markets and terms. What do agents need to submit to get a quote?Standard submissions include a completed professional liability application, current resumes of key principals, copies of contracts/forms of agreement, and up to five years of loss runs. Additional project documentation may be requested for high-exposure accounts. Need help placing an account? Connect with a market specialist.