Medical Malpractice Errors and Omissions Insurance
Alexander J. Wayne & Associates, Inc. provides access to specialized Medical Malpractice Errors and Omissions markets for both standard and hard-to-place medical professionals. As a wholesale broker, we place coverage through top-rated carriers including Lexington, Chartis, James River, Hiscox, Admiral, CNA, Evanston/Essex/Markel, and Lloyd’s of London (domestic and London open market). We work with agents and brokers to secure tailored solutions across a wide range of healthcare exposures.
Overview of the Program
This program is designed to help agents place medical professional liability for accounts that may be challenged by standard markets due to prior claims, licensing issues, gaps in coverage, or unusual practice operations. We offer both admitted options in select states and broad access to non-admitted specialty markets nationwide. Our underwriting partners understand the nuances of medical malpractice and can often provide flexible terms when traditional carriers decline.
Ideal Accounts and Appetite
We write a wide spectrum of healthcare classes. Typical accounts include:
- Physicians with prior claims, disciplinary history, or coverage lapses
- Therapists, radiologists, and X-ray technicians
- Independent clinics, laboratories, and outpatient surgery centers
- Ambulance services, urgent care centers, and mobile medical units
- Spas and medical spas offering injectables, lasers, or other medical procedures
- IPAs, HMOs, PPOs, and multi-provider groups
We can handle both solo practitioners and larger organizations; however, accounts with extreme regulatory issues or active criminal matters may not be eligible. If you have a higher-risk or unusual operation, contact our underwriting team to discuss options.
Coverage Highlights and Advantages
Our Medical Malpractice E&O program provides protection against allegations of negligence, errors, or omissions in the delivery of healthcare services. Key advantages for brokers and their clients include:
- Access to specialty carriers that understand complex medical exposures
- Flexibility to consider accounts with prior claims, non-renewals, or practice transitions
- Both admitted and non-admitted placement options depending on state and risk profile
- Ability to package coverage for individual practitioners and healthcare entities
These features make the program a strong option when standard markets produce limited or unfavorable terms.
Underwriting Notes and Minimum Premiums
Underwriting is performed on a risk-specific basis. Minimum premiums typically start at $2,500 for specified medical professions; miscellaneous healthcare classes may have different minimums depending on exposure and complexity. When submitting, provide complete loss runs, current applications, and information on risk management or credentialing to help secure the best terms.
Territories and Availability
The program is available in all 50 states and Washington, D.C., with admitted options in some states and non-admitted markets accessible nationwide. Key state markets include CA, FL, NY, TX, and IL, but we can consider risks across the full territory list.
Why Work With Alexander J. Wayne & Associates
With decades of experience in medical professional liability, Alexander J. Wayne & Associates, Inc. is a trusted wholesale partner for independent agents and brokers. Our strengths include deep carrier relationships, specialty underwriting expertise, and a practical approach to placing difficult risks. We focus on finding workable solutions quickly so you can retain business that might otherwise be declined.
Example placements you might bring to us:
- A solo physician with a prior malpractice claim and a recent gap in coverage seeking tail options and competitive terms.
- An outpatient clinic expanding into cosmetic procedures that needs coverage for new services and credentialing review.
Contact us today to discuss a submission or to connect with a market specialist who can help place Medical Malpractice Errors and Omissions Insurance for your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for physicians, therapists, technicians, clinics, and other healthcare providers who are difficult to place due to prior claims, gaps in coverage, or specialty services.
Can you help place risks that have been declined by standard markets?
Yes. We specialize in placing hard-to-place and nonstandard medical malpractice risks through our access to non-admitted markets and specialty carriers.
Are there options for healthcare facilities as well as individuals?
Absolutely. We can provide coverage for clinics, laboratories, ambulance services, HMOs, PPOs, and more, in addition to individual practitioners.
What is the minimum premium for this program?
Minimum premiums typically start at $2,500 for specified medical professions, though amounts may vary for miscellaneous healthcare classes based on underwriting factors.
In which states is this program available?
The program is available in all 50 states and Washington, D.C., with admitted markets in some states and non-admitted markets nationwide.
Need help placing an account? Connect with a market specialist.