Overview of the Program From Alexander J. Wayne & Associates
Many healthcare professionals and facilities face claims or risk factors that push them into the nonstandard insurance market. Alexander J. Wayne & Associates helps agents find reliable E&O coverage for clinics and related medical operations that fall outside standard underwriting guidelines. With access to both admitted and non-admitted markets in select states, AJ Wayne provides flexible options tailored to a wide range of healthcare exposures.
Ideal Accounts and Appetite
This program is designed for a broad spectrum of healthcare-related entities, including:
- Walk-in clinics and urgent care centers
- Diagnostic laboratories
- Independent physician associations (IPAs)
- Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs)
- Ambulance and medical transport services
- Medical spas and wellness centers
AJ Wayne specializes in harder-to-place risks, such as those with prior claims, gaps in coverage, or unique service offerings not easily categorized under standard programs.
Coverage Highlights and Advantages
Clinics Errors and Omissions Insurance through this program can help address professional liability exposures including:
- Misdiagnosis or treatment errors
- Improper supervision of staff or contractors
- Failure to follow industry standards or protocols
- Liability claims arising from third-party services or referrals
The program is backed by strong carrier relationships, including Lexington, Chartis, James River, Hiscox, Admiral, CNA, Evanston/Essex/Markel, and Lloyd’s of London (domestic and London open market). This enables AJ Wayne to offer competitive solutions for both standard and distressed accounts.
Underwriting Notes and Minimum Premiums
Minimum premiums start at $2,500, with rates varying based on class of business and risk profile. Miscellaneous healthcare occupations may be subject to additional underwriting depending on services offered and claim history. Submissions should include full applications, loss runs (if applicable), and detailed descriptions of services provided.
Territories and Availability
This program is available in most states, including but not limited to CA, FL, IL, NY, TX, and WA. AJ Wayne can write on both admitted and non-admitted paper depending on the risk and state regulations. Reach out to discuss state-specific availability and market access.
Why Work With Alexander J. Wayne & Associates
As a wholesale broker with deep experience in the healthcare liability space, Alexander J. Wayne & Associates understands the complexities and nuances of clinics and allied health risks. Their access to specialty carriers and commitment to personalized service make them a valuable partner for agents placing both routine and challenging E&O accounts. Whether you're helping a new medical spa launch coverage or finding a home for a clinic with a recent claim, AJ Wayne brings the tools and expertise to help you succeed.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for clinics, labs, IPAs, HMOs, PPOs, ambulance services, and medical spas, especially those with prior claims or unique services that may not qualify for standard markets.
Can you help with accounts that have prior claims or coverage gaps?
Yes. Alexander J. Wayne & Associates specializes in nonstandard markets and can help place accounts with loss history or lapses in coverage.
What is the minimum premium for this program?
The minimum premium starts at $2,500, but it may vary depending on the class of business and specific risk details.
Are both admitted and non-admitted carriers available?
Yes. Admitted options are available in select states, and non-admitted markets are accessible for harder-to-place risks.
In which states is this program available?
The program is available in most US states, including CA, FL, IL, NY, and TX. Contact AJ Wayne for specific state eligibility.
Need help placing an account? Connect with a market specialist.