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MCGOWAN, DONNELLY & OBERHEU, LLC Professional Liability Insurance Eligible Classes: Accountants Architects & Engineers Environmental / Pollution Liability Excess Liability Financial Services Insurance Agents & Brokers Lawyers Media Medical Misc. Errors & Omissions Real Estate Errors & Omissions Professional Liability Insurance Solutions from The McGowan Companies The McGowan Companies, through McGowan, Donnelly & Oberheu, LLC, offers a robust Professional Liability Insurance program tailored to help insurance agents and brokers secure coverage for a wide range of professional service providers. As a trusted wholesale broker, we provide access to competitive and comprehensive E&O and professional liability solutions across multiple industries, helping you meet the diverse needs of your clients. Ideal Accounts and Appetite Our Professional Liability Insurance program is designed for a broad spectrum of professional classes. Targeted industries include: Accounting firms, including solo CPAs and multi-partner firms Architects and engineering firms of various sizes Law firms seeking tailored malpractice coverage Medical professionals and healthcare-related service providers Environmental consultants and contractors needing pollution liability Real estate professionals, including brokers and appraisers Insurance agents and brokers looking for E&O coverage Media and advertising professionals with intellectual property exposures Financial service providers, including investment advisors Miscellaneous professional services not otherwise classified If you have a client offering professional services with liability exposure from errors, omissions, or performance failures, this program can help you place that business. Coverage Highlights and Advantages Primary and excess limits available to meet varying risk profiles Access to a wide range of carriers (varies by class and jurisdiction) Coverage tailored to each profession’s unique exposures Optional endorsements and extensions available depending on class Whether your client is a solo architect needing basic E&O protection or a regional law firm requiring layered excess coverage, we can help you secure the right policy structure. Underwriting Notes and Minimum Premiums Underwriting is flexible across a broad appetite, though accounts should demonstrate professional licensing, sound risk management practices, and minimal prior claims activity. While minimum premiums vary by class and carrier, we work with you to find options that balance cost and coverage effectively. Territories and Availability Our Professional Liability Insurance program is available in most states, 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...VT, VA, WA, DC, WV, WI, and WY. Most offerings are admitted in these states, though availability may vary by class and carrier. Why Work With The McGowan Companies The McGowan Companies bring decades of experience and specialized underwriting knowledge across professional liability lines. As a wholesale broker, we provide agents and brokers with the tools and market access needed to place difficult or specialty risks with confidence. Our dedicated team will assist you throughout the quoting and binding process to help you deliver strong solutions to your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professional service providers such as accountants, architects, lawyers, medical professionals, insurance agents, and real estate brokers. Are both primary and excess limits available?Yes, we offer both primary and excess liability coverage to meet varying client needs. Which states is this program available in?This program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please contact us for specific state availability. Can this program cover environmental or pollution liability?Yes, environmental and pollution liability coverage is available for qualifying accounts within our appetite. Do you offer admitted products?Yes, admitted products are available in most states, depending on class and carrier. 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..., 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.

MCGOWAN, DONNELLY & OBERHEU, LLC Environmental / Pollution Professional Liability Insurance Overview of the Program From The McGowan Companies The McGowan Companies, through McGowan, Donnelly & Oberheu, LLC, offers a targeted Environmental / Pollution Professional Liability Insurance program for consultants and contractors operating in high-risk environmental sectors. This program is designed for professionals involved in hazardous operations and environmental remediation and helps your clients manage liability tied to pollution events, regulatory compliance, and professional errors or omissions. Ideal Accounts and Appetite This program fits a broad range of environmental professionals and service providers, including: Environmental consultants Environmental contractors Crime scene and illegal drug lab clean-up operators Hazardous material and medical waste handlers Mold remediation and damage restoration firms Radon mitigation specialists Oil & gas environmental consultants McGowan’s underwriting is focused on clients with pollution-related exposures or regulatory obligations. The program is particularly useful when clients face complex cleanup, third-party bodily injury or property damage exposures, or contractually required professional liability limits. Coverage Highlights and Advantages Key features of the Environmental / Pollution Professional Liability program include: Professional and management liability coverage tailored to environmental risks Primary and excess coverage options to meet contract or project requirements Coverage for bodily injury, property damage, and remediation/cleanup costs arising from pollution incidents Protection against claims stemming from professional errors, omissions, and negligent services The program is structured to serve both small firms—such as independent mold remediators—and larger regional contractors with more complex operations. Underwriting Notes and Minimum Premiums McGowan works with multiple carriers to place environmental professional liability, allowing flexibility across classes and locations. Underwriting considers scope of services, project types, loss history, and risk management practices. Minimum premiums and specific terms vary by carrier and class of business; contact McGowan, Donnelly & Oberheu, LLC for firm indications based on your client’s submission. Territories and Availability Coverage is available in most states, including but not limited to AL, CA, FL, NY, TX, and WA. The program is offered on an admitted basis in most jurisdictions, improving regulatory ease for clients; confirm availability and admitted status for the specific state and class of business with McGowan. Why Work With The McGowan Companies? As a wholesale broker with deep niche experience, The McGowan Companies provides access to specialized underwriting and a broad carrier network for environmental risks. Their team can help you match complex or hard-to-place environmental accounts to appropriate markets and structure primary or excess placements efficiently. For more information on Environmental / Pollution Professional Liability Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for environmental consultants, contractors, mold remediation firms, hazardous waste handlers, radon specialists, and similar businesses with pollution-related exposures that require professional liability and cleanup protections. Is this coverage available nationwide?The program is available in most states, including CA, TX, FL, NY, and others. Availability and admitted status may vary by state and class—confirm with McGowan for the specific location. What coverage limits are available?Both primary and excess limits are offered. Limits and retentions are tailored to the client’s exposure and contractual needs and will depend on carrier appetite and the submission details. Can small or startup environmental firms qualify?Yes. Underwriting is flexible for small to mid-sized operations and newer firms that demonstrate appropriate risk controls, training, and loss prevention practices. What carriers does McGowan work with for this program?Carrier partners vary by risk profile and geography. McGowan leverages a panel of markets to place different classes of environmental professional liability—contact them with a submission for market options. Need help placing an account? Connect with a market specialist. ...

... OUR GOAL IS TO UNDERSTAND INSURANCE PROFESSIONALS' NEEDS AND DELIVER CUSTOMIZED COVERAGE SOLUTIONS Mercer Consumer, a trusted name in affinity group insurance since 1949, offers deep expertise in building tailored insurance programs for professionals. With over 60 years of experience and partnerships with more than 350 associations, Mercer Consumer understands the specialized risks professionals face in their industries. Through our Insurance for Professionals program, we provide access to comprehensive Errors & Omissions (E&O) and professional liability coverage designed for a wide range of licensed professionals. We work exclusively with agents and brokers to help you place high-quality business for clients who need protection against claims stemming from professional services. Ideal Accounts and Appetite This program is ideal for licensed professionals and firms that deliver advisory or consultative services. Target classes include: Medical Professionals Legal Professionals and Law Firms Architects and Engineers Real Estate Agents and Brokers Accountants and CPAs Whether you're working with a solo practitioner or a mid-sized firm, we can help you find coverage solutions that address their unique liability exposures. Coverage Highlights and Advantages Mercer Consumer partners with leading carriers such as Liberty Insurance Underwriters, Fireman's Fund, Beazley, C.N.A., Monitor Liability, Arch, Zurich, and others to deliver competitive coverage options. Depending on the professional class and risk profile, we can offer both admitted and non-admitted solutions in most states. Coverage features may include: Claims-made or occurrence-based E&O coverage Defense costs outside the limits (subject to form) Optional endorsements for cyber liability, regulatory defense, and more Flexible limits and deductibles to meet client needs Underwriting Notes and Minimum Premiums Minimum premiums vary by profession and risk profile. We strive to deliver competitive terms without sacrificing key coverage elements. Our underwriting process is efficient, and we work closely with agents to ensure fast turnaround and clarity throughout the placement process. Example: You might have a small architecture firm with a growing list of design-build clients. This program can provide the E&O coverage they need to safeguard against allegations of design flaws or project delays. Territories and Availability The Insurance for Professionals program is available in most states, 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...and WY. Why Work With Mercer Consumer Mercer Consumer is a Managing General Agency and Excess & Surplus Lines Broker with a long-standing reputation for excellence in the professional liability space. Our carrier relationships, program design expertise, and commitment to service give agents and brokers a strategic edge when placing professional risks. By partnering with us, you gain access to: Nationwide reach with flexible admitted and non-admitted options Broad appetite across professional classes Experienced underwriters who understand complex professional exposures Supportive service from quote to bind and beyond Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for licensed professionals such as attorneys, physicians, real estate agents, architects, and accountants who need Errors & Omissions or professional liability coverage. Is the program available in all states?The program is available in most U.S. states, including all major markets and regions. Contact us to confirm availability for a specific location. What carriers are used for this program?We work with top-rated carriers including Liberty Insurance Underwriters, Fireman's Fund, Beazley, C.N.A., Monitor Liability, Arch, Zurich, and others. Are both admitted and non-admitted options available?Yes, depending on the profession, risk profile, and state, we can offer both admitted and non-admitted coverage solutions. How are minimum premiums determined?Minimum premiums vary based on the insured’s profession, size, and risk exposure. We work with agents to find the best fit for each client. Need help placing an account? Connect with a market specialist.

MCGOWAN, DONNELLY & OBERHEU, LLC Allied Medical Professional Liability Insurance Overview of the Program From The McGowan Companies The McGowan Companies, through MCGOWAN, DONNELLY & OBERHEU, LLC, offers a robust Allied Medical Professional Liability Insurance program designed for a broad range of healthcare professionals and facilities. As a wholesale broker with access to a variety of markets, McGowan can help you place complex or hard-to-insure medical accounts with confidence. Whether your client is a solo practitioner, a specialty clinic, or a large healthcare facility, this program provides flexible and tailored solutions to address evolving professional liability risks in the medical industry. Ideal Accounts and Appetite This program targets a wide array of allied healthcare providers, including both standard and hard-to-place risks. Eligible classes include: Ambulance Services Blood & Tissue Banks Clinical Research & Trials Clinics and Physician Groups CRNAs, Nurses, and Physical Therapists Counselors and Mental Health Facilities Dentists and Surgeons (hard-to-place) Home Healthcare Agencies Hospitals and Medi Spas Pharmacies Physicians (hard-to-place) If you have clients with prior claims, licensing issues, or unique practice models, this program may offer a viable solution where standard markets fall short. Coverage Highlights and Advantages The Allied Medical Professional Liability program includes: Professional & Management Liability coverage Primary and Excess Limits available to meet varying risk profiles Access to both admitted and non-admitted carriers, depending on the state Solutions for hard-to-place medical professionals and facilities This program helps protect your clients from claims arising from professional negligence, errors and omissions, and management decisions within the scope of healthcare services. Underwriting Notes and Minimum Premiums Underwriting is flexible, with a focus on understanding the unique risk profile of each applicant. While minimum premium information is not specified, accounts are assessed based on size, services provided, claims history, and jurisdiction. McGowan’s team works closely with agents to structure appropriate solutions for both standard and distressed risks. Territories and Availability The Allied Medical Professional Liability Insurance program is available in most states, 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..., VT, VA, WA, DC, WV, WI, and WY. Admitted options are available in many of these jurisdictions, with non-admitted placements offered as needed. Why Work With The McGowan Companies As a trusted wholesale broker, The McGowan Companies bring deep expertise in the healthcare liability space. Their access to a variety of carriers, responsiveness, and ability to craft customized solutions make them a valuable partner for agents placing complex medical liability risks. Whether you're working with a newly formed clinic or a high-exposure facility with a challenging claims history, McGowan can help you find the right fit. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for allied healthcare providers, including clinics, physician groups, CRNAs, medi spas, home healthcare agencies, and hard-to-place risks like surgeons or physicians with prior claims. Can this program handle accounts with prior claims or licensing issues?Yes, McGowan specializes in underwriting hard-to-place healthcare providers, including those with prior claims history or regulatory concerns. Are both primary and excess limits available?Yes, the program offers both primary and excess liability coverage options to meet a wide range of client needs. Is this program available in my state?The program is available in most U.S. states. Contact McGowan for specific availability and carrier options in your state. What carrier markets does McGowan work with for this program?McGowan has access to a variety of carriers for this program. Carrier selection may vary by state and account profile. Need help placing an account? Connect with a market specialist.

Professional Liability Insurance Program from Ashley General Agency Ashley General Agency provides a flexible Professional Liability Insurance program to help agents and brokers place a wide range of professional risks in Texas. Our program is set up to handle accounts from solo practitioners to mid-size firms across specialized professions, with solutions that address errors & omissions, data exposures, and other professional service-related liabilities. Ideal Accounts and Appetite We write a broad spectrum of professional service classes, including harder-to-place and niche risks. Target classes include: Miscellaneous professional service providers (consultants, advisors) Independent medical professionals and small clinics Technology consultants, managed service providers, and software firms Architects and engineers Insurance agents and brokers Law firms and solo legal practitioners Businesses with exposures for data privacy and breach response For select classes we will consider combination forms that include both professional and general liability coverages. Example: If you represent a small IT consulting firm that handles client data and provides remote support, our Technology E&O plus Data Breach response options can help address both liability for professional errors and the costs associated with a privacy incident. Coverage Highlights and Advantages All policies are written on a claims-made basis with options tailored to the class of business. Available coverages include: Miscellaneous Professional Liability Miscellaneous Medical Liability Technology Errors & Omissions (Tech E&O) Architects & Engineers Professional Liability Data Breach and Cyber Incident Response Coverage Insurance Agents & Brokers E&O Lawyers Professional Liability Limits are available up to $5,000,000 to accommodate larger or more complex exposures. Underwriting Notes and Minimum Premiums Our underwriting approach is responsive and pragmatic. We work with a strong panel of non-admitted markets, including Markel, ACE, Admiral, and Underwriters at Lloyd’s, which helps us place accounts that may not fit admitted markets. Minimum premiums start at $500, offering an accessible entry point for smaller firms and individual professionals. Territories and Availability This Professional Liability Insurance program is available in Texas and is placed on a non-admitted (surplus lines) basis. Why Work With Ashley General Agency? As a Managing General Agency, Ashley General Agency combines specialty underwriting expertise with direct access to leading surplus lines carriers. We emphasize fast service, practical coverage solutions, and strong broker support—helping you place straightforward accounts quickly or develop tailored terms for more complex risks. Frequently Asked Questions What types of accounts are a good fit for this program?We’re a strong market for professional service firms such as consultants, IT providers, architects, engineers, lawyers, and insurance agents operating in Texas. Are combination policies available?Yes, for select classes we can consider combination forms that include both professional and general liability coverage. What is the minimum premium for this program?The minimum premium starts at $500, making it suitable for small businesses and individual professionals. Is this program admitted or non-admitted?The program is written on a non-admitted basis using carriers such as Markel, ACE, Admiral, and Lloyd’s underwriters. What is the coverage limit available?We offer coverage limits up to $5,000,000, depending on the class and underwriting criteria. Need help placing an account? Connect with a market specialist. ...

Overview — Capitol Special Risks: Professional Liability / Errors & Omissions Capitol Special Risks offers a wholesale program for Professional Liability (Errors & Omissions) coverage tailored for firms that provide professional services for a fee. As a wholesale broker with access to multiple admitted and non-admitted carriers, CSRisks helps independent agents place a wide range of professional classes with competitive turnaround and no broker fee. Ideal accounts and target classes This program is focused on small to mid-size professional firms and individual consultants. Typical appetites include (but are not limited to): Adjusters and claims administrators Benefit plan administrators / third-party administrators Bookkeepers, tax preparers and payroll services Collection agencies and credit bureaus Consultants of all types (business, IT, management) Electronic data processing / IT firms Employment and executive search agencies Freight managers and logistics consultants Interior decorators (non-structural), public relations firms, title agents, travel agents/tour operators, trustees Coverage highlights and advantages Broad E&O coverage forms tailored to professional exposures common in non-technical and administrative specialties. Access to multiple markets to achieve competitive pricing and tailored terms for differing risk profiles. Fast turnaround on submissions; underwriters experienced with small and mid-market professional accounts. No broker fee charged by Capitol Special Risks, which helps preserve competitive commission structures for retail agents. Ability to place admitted paper in some states as well as excess and surplus lines where appropriate. Underwriting notes and typical fit / restrictions Underwriters evaluate professional liability submissions based on the nature of services, size of firm, claims history, and risk controls. This program generally fits firms with clear scopes of engagement, documented procedures, and modest revenue or payroll levels. Accounts that often fit well include consultants, administrative service providers, bookkeeping/tax practices, and small IT vendors. Accounts with extensive design exposure, large professional staff counts, significant prior claims, or specialized high-severity professional exposures may require referrals or be outside typical appetite. Minimum premiums and terms vary by carrier and class; please see the Underwriting Checklist below when preparing submissions. Submission guidance Include a one-page summary of operations describing services provided, typical clients, and annual revenue. Provide prior acts and claims history for the past 5–10 years, depending on carrier request. Attach specimen contracts or engagement letters where available (these often affect coverage terms). Indicate desired limits, retention, and whether continuity of coverage or retroactive dates are required. Territories and admitted status Capitol Special Risks places business with multiple markets and has availability 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... TN, TX, UT, VT, VA, WA, WV, WI, WY. Some admitted markets are available depending on state and class; non-admitted markets may be used where necessary to place coverage. Why work with Capitol Special Risks on E&O placements? Wholesale broker access to multiple E&O carriers—helps you secure competitive terms for diverse professional classes. Experienced underwriting team that understands common exposures for administrative, consulting, and technical service providers. Fast quote turnaround and no broker fee—streamlines the placement process for retail agents and their insureds. Example account scenarios Example 1: You have a small payroll and bookkeeping firm with $500K annual revenue and no prior claims. This program can offer customized E&O limits and favorable deductibles for that profile. Example 2: You represent a travel agency and tour operator that sells packages to consumers. The program can provide E&O coverage tailored to service errors, booking mistakes, and administrative mistakes that lead to customer losses. Contact Capitol Special Risks today for submission instructions and carrier appetite guidance. Fast turnaround and we never charge a broker fee! In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are the best fit for this Professional Liability program?The program is designed for small to mid-size professional service providers—consultants, bookkeepers/tax preparers, TPAs, collection agencies, IT/EDP firms, PR firms, travel agents, title agents and similar classes. Firms with clear scopes of work, modest revenue, and limited prior claims typically place most smoothly. Are admitted policies available or is this E&O placed only in the surplus market?Capitol Special Risks works with multiple markets and can place both admitted and non-admitted paper depending on state, class, and carrier appetite. Some admitted markets are available in the states listed; non-admitted capacity is used when needed for coverage or terms. What is the typical minimum premium and turnaround time for quotes?Minimum premiums vary by carrier and the insured’s class of business. Turnaround is generally quick for standard risks—submit a short operations summary, revenue, staffing, and any claims history to receive an initial indication. What submission documents should I include to speed up underwriting?Provide a one-page operations summary, current revenue and staff counts, prior professional liability claims history, and sample engagement contracts or client agreements when available. These items help underwriters assess scope of services and quote accurately. Need help placing an account? Connect with a market specialist.

Professional Liability insurance is essential for any individual or organization that provides professional services. Whether your client is a consultant, physician, engineer, or broker, an error or oversight can result in costly claims alleging negligence, errors, or omissions. A well-structured Professional Liability policy helps protect your clients from defense costs, settlements, and judgments tied to professional services. Comprehensive Market Access With Alexander J. Wayne & Associates At Alexander J. Wayne & Associates, Inc., we specialize in placing both standard and hard-to-place Professional Liability risks. As a wholesale broker, we maintain deep relationships with admitted and surplus lines carriers to deliver fast quote turnaround, competitive terms, and tailored solutions. Our carrier access includes top markets such as ACE USA, Beazley, CNA, Axis, and many others—giving you options when coverage needs are complex or unusual. Ideal Accounts and Target Classes This Professional Liability program serves a broad cross-section of professional classes. Bring us accounts in these categories with confidence: • Architects and Engineers • Insurance Agents • Medical Facilities and Doctor’s Offices • Clinics and Hospitals • Consultants and Surveyors • Lawyers and Fiduciaries • Staffing Agencies • Environmental Professionals • Medical Marijuana Dispensaries • Railroads • Non-Profit and For-Profit Directors and Officers • Contractors and Brokers You can place everything from a single-location consultant to a growing multi-discipline engineering firm; we work both admitted and non-admitted markets depending on the state and risk profile. Coverage Highlights We provide a wide array of Professional Liability coverages and related protections, which can be tailored to client exposures: • Errors & Omissions (E&O) • Hard-to-Place Professional Liability • Directors & Officers (D&O) Liability • Employment Practices Liability (EPL) • Pollution Liability Insurance • Cyber Liability • Medical Malpractice E&O • Media Liability • Products Liability Policies are customized by industry exposure and can include limits, endorsements, and defense structures that align with each client’s operations. Underwriting Flexibility and Minimum Premiums Underwriting flexibility is a core strength of this program. Our carrier relationships allow us to consider accounts with prior claims, niche exposures, and higher-limit needs that can be difficult to place in standard markets. Minimum premiums vary by class and state—please consult with us on specific minimums for each account. Territories and Admitted Status This program is available in most U.S. states, including CA, TX, FL, NY, IL, and PA. We offer admitted placements where available and surplus/non-admitted options in other states to secure the best coverage and price for the exposure. Why Work With Alexander J. Wayne & Associates? Alexander J. Wayne & Associates brings decades of specialty market experience in Professional Liability. We focus on fast, practical underwriting responses, strong carrier relationships, and senior-level technical support on complex submissions. That combination helps you close business faster and place accounts that may be challenging elsewhere. Practical examples: - You might have a small clinic concerned about HIPAA and malpractice exposures — we can pair medical E&O with cyber and regulatory coverage where appropriate. - Or you may represent an engineering firm with expanding project work and prior claims; our markets can consider higher limits and tailored endorsements to address their evolving risk. Why go anywhere else when you can go through AJ Wayne? Call AJ Wayne today and ask how we can help you place standard and hard-to-place Professional Liability accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is a good fit for professionals such as architects, engineers, consultants, medical providers, insurance agents, and directors and officers of both for-profit and nonprofit organizations. We handle single-location practices through multi-office firms. Can you handle hard-to-place risks?Yes. We specialize in both standard and hard-to-place Professional Liability accounts, including risks with prior claims, unique services, or higher-limit needs. What carriers do you work with?We have access to a wide range of leading carriers, including ACE USA, Beazley, CNA, Axis, and others, allowing us to match the right market to each account’s exposures. Is the program available nationwide?Yes. Coverage is available in most U.S. states. We offer admitted options where available and non-admitted/surplus lines placements where necessary to secure coverage. What is the typical turnaround time for quotes?Turnaround times vary by submission complexity, but our market relationships and streamlined submission process generally produce quick quotes so you can serve clients efficiently. Need help placing an account? Connect with a market specialist. ...

Overview — Architects and Engineers Professional Liability Insurance Ashley General Agency offers a focused Architects and Engineers Professional Liability Insurance program designed for independent agents and brokers who need a market for professional design and engineering exposures. This program combines errors & omissions protection with complementary coverages commonly requested by design professionals, and is underwritten through a variety of admitted and excess & surplus (E&S) markets depending on state availability and risk characteristics. What this program covers The Architects and Engineers Professional Liability Insurance program is built to address the common liability exposures design professionals face, including negligent design, construction management issues, engineering management errors, and pollution incidents tied to professional services. Core coverages available through the program include: Errors & Omissions (Professional Liability) Engineers Professional Liability Directors & Officers (D&O) Employment Practices Liability (EPLI) Environmental / Pollution liability (including incidents arising from professional services) General Liability and Umbrella/Excess options for environmental engineers Ideal accounts and appetite This program is a good fit for a broad range of architecture and engineering firms, including but not limited to: Small to mid-size architectural firms (commercial, residential, mixed-use) Civil, structural, mechanical, electrical, and environmental engineering firms Firms providing construction management, engineering management, or design-build services Environmental engineering consultants who require pollution incident coverage tied to professional services Typical accounts that fit: firms with stable claims histories, clear risk management procedures, and projects that are not unusually large-scale, highly speculative, or involving novel technologies. High-hazard projects, design-build projects with tight performance guarantees, or accounts with significant unresolved claims may require placement elsewhere or additional underwriting scrutiny. Coverage highlights and advantages Comprehensive professional liability wording tailored to architects and engineers. Ability to package D&O and EPLI with professional liability for broader enterprise protection. Environmental/pollution protection available for engineering firms that handle contaminated sites, remediation consulting, or services with pollution exposure. Flexible placement options — admitted paper where available; E&S placements through Ashley General Agency for non-standard or out-of-program risks. Access to multiple carriers and specialist underwriters to improve placement flexibility. Underwriting notes and minimums Underwriting focuses on firm size, practice areas, claims history, contract terms, and risk management controls. The program generally favors: Firms with professional staff records, formal quality control, and documented risk management practices. Projects that are routine for the firm’s stated expertise (not atypical or first-time large exposures). Minimum premium: $500. Limits, retentions, and final pricing will depend on the carrier selected and the individual exposure. Some coverages may be offered on an admitted basis in certain states and on a non-admitted/E&S basis where necessary. Territories and availability The program is available in select states. Ashley General Agency places business on an admitted basis in some states and on an E&S basis where admitted options are not available. Current targeted availability includes Texas; please check with Ashley General Agency for updated state availability. Why place this business with Ashley General Agency? Specialized MGA and E&S broker experience placing architects and engineers professional liability. Established relationships with multiple carrier partners to maximize placement options for difficult or mixed exposures. Practical, agent-focused underwriting and responsive service for quote and bind requests. Ability to bundle related coverages (D&O, EPLI, environmental) to provide broader, coordinated protection for design firms. Example accounts A five-person architectural firm focused on small commercial and multi-family residential projects seeking E&O coverage plus D&O for the principal owners. A mid-size civil engineering firm providing construction management and environmental consulting that needs professional liability with pollution incident coverage and umbrella limits. Contact us for more information on our Architects and Engineers Professional Liability Insurance program by calling 936-585-6442 Frequently Asked Questions What types of architect or engineer firms are a good fit for this program?The program targets small to mid-size architecture and engineering firms engaged in routine commercial, residential, civil, structural, mechanical, electrical, or environmental work. Firms with documented quality control and standard contract language typically receive the best terms. Is environmental/pollution liability available through this program?Yes. Pollution and environmental exposures arising from professional services can be included—particularly for environmental engineers and consultants. Coverage availability and terms depend on the scope of services and past loss history. Do you offer admitted paper or is this program only non-admitted?Ashley General Agency places business on admitted paper in certain states where carriers provide admitted options and uses E&S placements where admitted coverage is not available. Availability varies by state and carrier. What is the minimum premium and typical submission requirements?The program has a minimum premium of $500. Typical submission materials include an application, current A&E firm resume, five years of professional services loss history, and copies of standard engagement/contract language. Need help placing an account? Connect with a market specialist. ...

Enhanced Miscellaneous Professional Liability Program NEW Lower minimum premiums NEW Expanded eligibility to over 300 classes of Professional Liability, including: Target Classes Include: Technology Risks Independent or Public Adjusters Home Inspectors Real Estate Appraisers Property Managers Employment/Staffing Agencies Event Planners Funeral Directors / Morticians Graphic Designers Payroll Service Providers Landscape Architects ...and many more. Call for details! Program Overview from U.S. Risk Insurance Group U.S. Risk Insurance Group, Inc. offers a flexible Miscellaneous Professional Liability program designed for agents and brokers placing service-based professionals whose exposures fall outside standard industry programs. With recent expansion to more than 300 eligible classes and more competitive entry pricing, this program helps you secure tailored errors & omissions protection for non-traditional professionals and small firms. Ideal Accounts and Appetite This program targets small- to mid-sized professional service firms across a broad mix of classes. It is a good fit when your client provides professional advice, reporting, inspection, placement, or administrative services to third parties and needs E&O protection. Typical accounts include consultants, home inspectors, adjusters, real estate appraisers, staffing agencies, event planners, and creative professionals such as graphic designers. Example placements: A sole-practitioner home inspector seeking a primary professional liability policy with modest deductible and flexible limits. A regional staffing agency that needs coverage for placement errors and payroll-administration services across multiple client industries. Coverage Highlights and Advantages Option to structure defense costs outside the policy limit Personal injury coverage included when tied to professional services Contingent bodily injury and property damage coverage available Limits available up to $5 million per claim and in the aggregate Deductibles starting as low as $1,000 Underwriting Notes and Minimum Premiums Minimum premiums now start at $1,000, improving accessibility for smaller firms and startups. U.S. Risk underwrites with an emphasis on class-specific exposures and will consider accounts that may be difficult to place through standard carriers. Required submission materials vary by class — include completed applications, recent loss runs, and any applicable service agreements for faster review. Most markets are offered non-admitted, with access to multiple carrier partners. Territories and Availability This Miscellaneous Professional Liability program is available in most U.S. states, 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... WV, WI, and WY. Availability and admitted/non-admitted options may vary by state and class. Why Work With U.S. Risk Insurance Group? U.S. Risk acts as a program administrator with deep experience in niche professional liability markets. They provide responsive underwriting, access to multiple carrier appetite options, and program structures designed for hard-to-place risks. Working with U.S. Risk gives you flexible policy features and service-oriented placement support when standard markets are limited. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited for a wide range of service professionals, including consultants, home inspectors, adjusters, appraisers, staffing agencies, and many creative or administrative service providers. What is the minimum premium for this program?The minimum premium starts at $1,000, making it a competitive option for smaller and emerging businesses. Are defense costs included within the policy limits?Defense costs can be structured outside the policy limit if selected, which helps preserve limits for indemnity exposure. Is this program available in my state?The program is available in most U.S. states. State-specific availability and admitted versus non-admitted options depend on class and carrier. What limits and deductibles are available?Coverage limits are available up to $5 million per claim and in the aggregate, with deductibles starting as low as $1,000. Need help placing an account? Connect with a market specialist.