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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...

...ified medical professions. For miscellaneous healthcare classes, the minimum p...cal professions, but may vary for miscellaneous healthcare classes based on un...

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

...onmental Professionals • Medical Marijuana Dispensaries • Railroads • Non-Prof...

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

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.

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.

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.