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Railroad Protective Liability Insurance Al...es 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...

...sunderstood type of insurance is Railroad Protective Insurance. Contractors performing work on or near railroad property are often required to carry...ored to a specific project?Yes, the Railroad Protective Insurance policy is written on a...

...f 1980 ushered in the short line railroad era, United Shortline Insurance Serv...or short-term operations near or on railroad property. Are policies issued on ...

...Medical Marijuana Dispensaries • Railroads • Non-Profit and For-Profit Directo...dard and hard-to-place Professional Liability accounts, including risks with p...

Broker Liability Insurance One in five real estat...mpromised lock boxes. Pollution Liability: Defense and indemnity for certa...

Comprehensive Media Liability Solutions from Alexander J. Wayne &...ark infringement, and related media liability exposures. Does the program offe...

...ion in Michigan seeking combined liability and property protection. Cove...tions can be considered. Is product liability included in the coverage?Yes, product liability is a core part of the coverage o...

...ractice and related professional liability risks. Our Hospitals Errors and Omi...rience placing medical professional liability, Alexander J. Wayne & Associ...

...tects and Engineers Professional Liability program designed for small to mid-s...e to help agents place professional liability coverage for architect and engin...

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.