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

...ecified medical professionals; miscellaneous and ancillary classes are quoted ... specified medical professionals. Miscellaneous and ancillary classes are pric...

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.

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.

Comprehensive Media Liability Solutions from Alexander J. Wayne & Associates Alexander J. Wayne & Associates, Inc. provides a dedicated Media Liability Insurance program designed for agents and brokers who need reliable placement options for media-related risks. As a wholesale broker with market access to all major U.S. carriers and Lloyd’s of London (domestic and London open market), we place both standard and hard-to-place media accounts across admitted and non-admitted markets. Ideal Accounts and Target Classes This program addresses the liability exposures that arise from creating, publishing, distributing, or promoting content. We routinely write coverage for: Advertisers and advertising agencies Authors and book publishers Magazine and newspaper publishers Multimedia and entertainment companies Radio, television, and cable broadcasters Film and video producers or distributors Public personalities and talent engaged in public appearances Good-fit examples: you might have a regional lifestyle magazine preparing a new issue, a podcast production company with growing listenership, or a digital content creator whose reach and monetization are expanding. Those accounts—especially when they involve original reporting, commentary, advertising, or third-party content—are a primary focus for this program. Coverage Highlights and Advantages We offer flexible policy forms (both Claims-Made and Occurrence) and a broad set of protections tailored to modern media exposures. Typical coverages include: Libel, slander, and defamation Invasion of privacy and misappropriation of likeness Copyright and trademark infringement Policy features agents can leverage: Unlimited defense costs in addition to the policy limits (available for most classes) Punitive damages coverage where permitted by law Primary limits up to $10,000,000, with excess placements up to $15,000,000 Underwriting Notes Our underwriters have deep experience with media exposures and will consider risks across a wide spectrum of complexity. We underwrite both admitted and non-admitted options, and can place accounts in domestic and London markets when file complexity or limits require it. When preparing submissions, include recent samples of content, editorial controls or review procedures, social media policies, and any prior claims history. Placement depends on the client’s content processes, distribution reach, advertising practices, and prior loss activity. Territories and Availability Media Liability is available in all 50 states and the District of Columbia. We can place business admitted or non-admitted depending on the class of business, state regulations, and the insured’s limit requirements. Why Work With Alexander J. Wayne & Associates? Agents and brokers choose Alexander J. Wayne & Associates for media liability because we combine specialty underwriting knowledge with wide market access. We routinely navigate hard-to-place risks by pairing experienced underwriters with U.S. carriers and Lloyd’s markets—helping you secure competitive terms and higher limits when needed. Contact us when you have media accounts that require tailored wording, higher limits, or London market capacity. Our team will help evaluate appetite, prepare a market-ready submission, and identify the right placement strategy. Frequently Asked Questions What types of accounts are a good fit for this Media Liability program?Ideal accounts include publishers, broadcasters, content creators, advertising agencies, authors, and media production companies—especially those with unique or hard-to-place exposures. Is this program available nationwide?Yes, Media Liability Insurance is available in all 50 states and Washington, DC. What coverage limits are available?Policy limits are available up to $10 million, with excess limits up to $15 million depending on the risk. Can I get coverage for claims involving defamation or copyright issues?Yes, the program includes coverage for defamation, libel, slander, copyright and trademark infringement, and related media liability exposures. Does the program offer both admitted and non-admitted options?Yes, we offer both admitted and non-admitted options depending on the risk class and state requirements. Need help placing an account? Connect with a market specialist.

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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.

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.

Surveyors and Contractors Professional Liability Insurance Alexander J. Wayne & Associates, Inc. provides wholesale access and underwriting expertise for Surveyors and Contractors Professional Liability Insurance. Our program is structured to help retail agents place both routine and hard-to-place A&E and construction-related professional liability accounts. We offer flexible solutions including first-party professional liability and extensions to protect insureds for third-party and vicarious liability arising from professional subcontractors. Overview of the Program This program is built for design professionals and construction-related firms that need professional liability protection beyond standard general liability. Coverage can be tailored to include architects, engineers (civil, structural, mechanical, electrical, process, geo-technical), land surveyors, construction managers (both at-risk and agency), and firms that use professional subcontractors. We place business with admitted and surplus (non-admitted) markets through multiple carriers to broaden placement options. Ideal Accounts and Appetite Small to mid-size design firms and solo practitioners Multi-discipline firms with engineering and surveying services Construction managers and design-build contractors providing professional services Projects with specialty exposures such as dams, bridges, mines, petroleum/pipeline, and condominium developments New ventures and firms with prior loss history that need tailored underwriting Coverage Highlights and Advantages First-party professional liability for negligent act, error, or omission in the performance of professional services. Options to extend coverage to third parties and to provide vicarious liability protection for designated professional subcontractors. Capacity across admitted and surplus lines carriers to improve placement success for more complex or higher-risk accounts. Ability to consider accounts with adverse loss history, specialty project exposures (nuclear, petroleum, heavy civil), and non-standard organizational structures (solo firms, new ventures). Experienced underwriting that understands contractual risk transfer, design-build relationships, and construction manager exposures. Underwriting Notes and Minimum Premiums Underwriting looks at firm discipline mix, revenue by service line, project types, claims history, contract language, and use of subcontractors. Common submission materials include a current proposal or application, professional services agreement(s), and loss runs when available. Minimum premium varies by carrier and state; please indicate budget expectations on the submission so we can align markets appropriately. Territories and Availability This program is available in the following jurisdictions: 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 in admitted and surplus markets depending on the account’s characteristics and the carrier appetite. Why Work With Alexander J. Wayne & Associates, Inc. Wholesale broker access to multiple admitted and surplus carriers specializing in A&E and construction professional exposures. Hands-on underwriting guidance to position difficult accounts and clarify risk transfer concerns. Flexibility to consider non-standard risks (adverse loss history, high-hazard projects, solo practitioners, design/build work). Fast, practical feedback to help you manage client expectations and find the most appropriate market fit. Example scenarios that fit this program You have a mid-size civil/structural firm doing bridge rehabilitation work that needs vicarious coverage for geotechnical subcontractors — we can package coverage with markets that accept heavy-civil exposures. You place a construction manager acting in a design-build role on a condominium development with multiple professional subcontractors — we can pursue combined professional liability terms with vicarious extensions. Frequently Asked Questions What types of accounts are a good fit for this program?Design professionals (architects, engineers, surveyors), construction managers, and contractors providing professional services—especially accounts with subcontracted professional work, design-build relationships, or specialty project exposures—are a good fit. Are both admitted and surplus markets available?Yes. We work with multiple admitted and surplus (non-admitted) carriers to provide placement options based on the account’s risk profile and state filing requirements. What submission materials do you typically need?Provide a completed application or proposal, descriptions of services and project types, copies of standard professional contracts, and loss runs if available. Indicate any specialty exposures (e.g., petroleum, nuclear, dams) up front so we can target appropriate markets. Can the policy cover liability arising from subcontractors?Yes. The program can include extensions for third-party and vicarious liability for professional subcontractors where markets allow; specific wording and limits vary by carrier. What should I expect for minimum premium and pricing?Minimum premium varies by carrier, state, and risk characteristics. Tell us the client’s revenue, project types, and loss history and we’ll match the account to markets that fit the budget and coverage needs. Need help placing an account? Connect with a market specialist.

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