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With the legalization of medical and recreational marijuana in more a...es is this program available in?The Marijuana Insurance program is available i...

Medical Marijuana Dispensaries & Growers Ins...am is available in most states where medical marijuana is legal, including CA, CO, MI, ...

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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.