Search CompleteMarkets

Medicinal Marijuana Dispensary Coverage from Alexander ...t for this program?Licensed medical marijuana dispensaries operating legally i...

Expertise. Solution. Service. Comprehensive Cannabis D&O and EPLI Coverage From MAXIMUM MAXIMUM provides a specialized Cannabis Directors & Officers (D&O) and Employment Practices Liability (EPLI) program designed for the distinct regulatory, reputational, and operational risks faced by licensed cannabis businesses. As a wholesale broker with deep experience in emerging and complex industries, MAXIMUM provides agents access to primary and excess capacity—up to $10 million in limits—so you can protect executive teams and employment exposures with flexible solutions. Ideal Accounts and Appetite The program targets licensed cannabis operations across the value chain. Typical classes we write include: • Cultivators and growers • Dispensaries and retail cannabis stores • Product manufacturers and processors We place both early-stage, investor-backed startups and established multi-state operators. MAXIMUM is well-suited for vertically integrated operators, retail chains, management teams with outside investors, and any licensed entity that needs D&O and/or EPLI protection to support growth or satisfy investor due diligence. Coverage Highlights and Advantages MAXIMUM’s Cannabis D&O and EPLI solution offers flexible structures to match an account’s size and risk profile. Key benefits include: • Limits available up to $10MM on a primary or excess basis • Choice of shared or separate limits for D&O and EPLI • Available as stand-alone D&O or EPLI, or combined on one policy • Coverage tailored for board members, officers, and HR-related employment exposures The program addresses claims commonly seen in the sector, including wrongful termination, discrimination, harassment, breach of fiduciary duty, shareholder disputes, alleged mismanagement, and other employment-related allegations that can threaten leadership and investor confidence. Underwriting Notes and Submission Requirements Underwriting focuses on governance, financial stability, ownership structure, and any prior employment or management litigation. Required submission items include: • Completed cannabis-specific application • Full business plan and operational overview • Organizational chart (include parent companies and subsidiaries) • List of board members and executive team • Capitalization table and ownership structure • Current and pro-forma financials, private placement details, and funding sources Retentions begin at $25,000 and may increase depending on account size, revenue, prior losses, and claim history. Be prepared to provide details on investor relationships and any prior regulatory actions or employment claims. Territories and Availability This program is available in most states where cannabis is legalized or regulated. We currently write business in the following states: 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 Most placements are written through non-admitted carriers, giving underwriting flexibility to craft terms that fit the account’s specific exposures. Why Work With MAXIMUM? MAXIMUM combines market access with cannabis-specific underwriting knowledge. Our team helps agents structure placements that address investor requirements and regulatory scrutiny while delivering practical, tailored wording. We prioritize responsive service, collaborative underwriting, and solutions that evolve with a client’s operational footprint. Example account scenarios you might place with this program: • A vertically integrated operator seeking combined D&O and EPLI coverage to satisfy investor due diligence during a funding round. • A single-state dispensary with a growing staff and recent employment allegations that needs a stand-alone EPLI policy or a combined solution to protect management and reduce investor concerns. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this placement process. Frequently Asked Questions What types of accounts are a good fit for this program?We target licensed cannabis businesses including cultivators, dispensaries, manufacturers, and retailers. Both startups and established operators are eligible. Can I submit an account with both D&O and EPLI exposures?Yes, we offer stand-alone or combined D&O and EPLI policies with shared or separate limits, depending on your client’s risk profile and needs. What documents are required for underwriting?We require a cannabis application, business plan, organizational chart, executive team list, financials, ownership structure, and funding details. What is the minimum retention?Retentions start at $25,000 but may vary based on the size and complexity of the account. Is this program available in all states?No, but we write in most states where cannabis is legal. Please check our list of eligible states or contact us for specific state availability. Need help placing an account? Connect with a market specialist.

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...

...ted minimum premium of $2,500. Miscellaneous medical and facility classes are ...

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

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.

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.

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.

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.