Alexander J. Wayne & Associates, Inc. is a trusted wholesale broker focused on Medical Malpractice and related professional liability risks. Our Hospitals Errors and Omissions Insurance program delivers flexible E&O solutions for standard and hard-to-place healthcare providers and facilities across a wide range of specialties.
Program Overview
We place hospital and healthcare E&O with a robust panel of carriers, including Lexington, Chartis, James River, Hiscox, Admiral, CNA, Evanston/Essex/Markel, and Lloyd’s of London (domestic and London open market). That carrier access allows us to develop tailored solutions for unique or distressed accounts that may be declined by traditional markets.
Target Risks and Ideal Accounts
This program is designed for healthcare organizations and medical professionals that carry elevated E&O exposure or are difficult to place. Typical accounts include:
- Hospitals and medical centers
- Clinics and outpatient facilities
- Independent physician associations (IPAs)
- HMOs and PPOs
- Laboratories and diagnostic imaging centers
- Ambulance and emergency response services
- Medical spas and wellness centers
- Hard-to-place individual providers (e.g., physicians, therapists, X-ray techs)
If your client has prior claims, licensing or compliance issues, or operates in a higher-risk specialty, we can often identify a market that will consider the risk.
Coverage Highlights
- Errors & Omissions protection tailored for healthcare providers and facilities
- Access to both admitted and non-admitted markets where available
- Solutions for distressed, nonstandard, and high-exposure accounts
- Competitive minimum premiums — typical starting point $2,500 for standard medical professionals
Underwriting Details and Minimum Premiums
Underwriting focuses on the account’s operational scope, claims history, specialty mix, and risk management controls. Standard classes such as licensed physicians and therapists generally begin at the stated minimum premium of $2,500. Miscellaneous medical and facility classes are rated by class and exposure; premiums will vary based on the carrier selected and the individual account characteristics. We work closely with agents to gather supporting loss runs, policies and procedures, and relevant credentialing information to improve placement outcomes.
Available States
This program is available in most U.S. states. Coverage is offered in the following territories: 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, WY. Admitted availability varies by carrier and state — contact us to confirm admitted vs. non-admitted options for a specific account.
Why Work With Alexander J. Wayne & Associates?
With decades of experience placing medical professional liability, Alexander J. Wayne & Associates provides agents with wide market access, fast turnaround, and expertise handling complex underwriting scenarios. Our strengths include:
- Deep relationships with admitted and specialty markets for healthcare E&O
- Experience placing distressed, high-exposure, and niche healthcare accounts
- Responsive underwriting and advocacy to help secure terms for renewal or new placements
- Practical guidance on documentation and risk presentation to improve chances of placement
Example placements you might submit: a community hospital with prior medical board actions seeking a new E&O carrier; a diagnostic imaging center expanding services that needs tailored limits and an insurer willing to underwrite mixed-modality exposures.
Call us today to learn how
Alexander J. Wayne & Associates can help place Medical Malpractice, Doctors, Clinics, and
Hospitals Errors and Omissions Insurance business. Need help placing an account?
Connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this Hospitals Errors and Omissions Insurance program?
This program fits hospitals, clinics, diagnostic labs, ambulance services, medical spas, and individual medical professionals — including accounts that are hard to place because of specialty, claims history, or operational complexity.
Is this program available for providers with prior claims or licensing issues?
Yes. Alexander J. Wayne & Associates specializes in placing distressed and nonstandard risks, including those with prior claims, licensing matters, or compliance concerns. Each submission is evaluated on its merits.
What is the minimum premium for this program?
Minimum premiums typically start at $2,500 for standard medical professional classes. Other classes are rated by exposure and may have different minimum thresholds.
Are both admitted and non-admitted options available?
Yes. We place both admitted and non-admitted coverage depending on the carrier, state, and account profile. Availability varies by state and by market.
In which states is this program available?
The program is available in most U.S. states. Contact us with the state and account details so we can confirm admitted availability and carrier appetite for that jurisdiction.
Need help placing an account? Connect with a market specialist.