Overview of the Program From J.M. Wilson
J.M. Wilson is a Managing General Agency and Excess & Surplus Lines broker with deep experience placing specialty and hard-to-place professional liability risks. Their Miscellaneous E&O program gives independent agents access to both admitted and non-admitted carriers and a dedicated underwriting team that crafts tailored solutions for non-standard classes. Use this program when a client provides a professional service and could be held financially responsible for an error, oversight, or service failure.
Ideal Accounts and Appetite
This program is aimed at professional service providers that don’t fit classic E&O niches (e.g., attorneys or medical professionals). Typical classes include:
- Appraisers, auditors, and billing services
- Bookkeepers and tax preparers
- Consultants, management services, and resume services
- Graphic designers, photographers, and interior designers
- Event planners, caterers, and funeral directors
- Private investigators and background check services
- Property managers, travel agents, and technology/internet service providers
If a client provides a service where a mistake or omission could lead to financial loss for a third party, this program is often a good fit. J.M. Wilson will consider a broad range of niche and emerging professions; however, high-exposure specialties (e.g., licensed attorneys, physicians) are evaluated on a case-by-case basis and may be declined or redirected to more specialized markets.
Coverage Highlights and Advantages
Key features of J.M. Wilson’s Miscellaneous E&O program:
- Coverage for defense costs, settlements, and judgments arising from covered professional services
- Access to multiple admitted and non-admitted carriers for placement flexibility
- Custom underwriting for niche operations and unusual revenue models
- Experienced in-house underwriters who collaborate directly with agents on terms and endorsements
Example placement scenarios:
- A freelance grant-writing consultant who missed a submission deadline that jeopardized client funding—this policy can address defense and settlement exposure for the consultant.
- A small technology consultant whose implementation error causes a client’s downtime—coverage can respond to claims alleging negligence in professional services.
Underwriting Notes and Minimum Premiums
Underwriting is class- and risk-specific. Submissions should include a concise description of operations, years in business, annual revenue, services offered, sample contracts or engagement letters (if available), and any prior claims or loss history. Minimum premiums vary by class and carrier; J.M. Wilson underwriters work with agents to develop competitive quotes and to identify the best market fit for each account.
Territories and Availability
This Miscellaneous E&O program is currently available in: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Availability and specific terms may vary by state and carrier—contact J.M. Wilson for state-specific guidance.
Why Work With J.M. Wilson?
Agents benefit from J.M. Wilson’s decades of experience in excess & surplus and specialty markets:
- Access to a panel of admitted and non-admitted carriers
- Responsive underwriters with a track record placing niche and non-standard risks
- Guidance on endorsements, policy wording, and placement strategy for challenging accounts
Whether you are placing a solo consultant, a small creative firm, or an unusual professional service, J.M. Wilson can help you identify appropriate markets and structure coverage to match the exposure.
Frequently Asked Questions
What types of accounts are a good fit for this Miscellaneous E&O program?
This program targets non-traditional professional service providers such as consultants, appraisers, event planners, tax preparers, creative professionals, and other service businesses that could face claims alleging negligent professional services.
Do you offer both admitted and non-admitted options?
Yes. J.M. Wilson represents multiple carriers across admitted and non-admitted markets, which gives you flexibility to match terms and pricing to the client’s needs.
What information is needed to quote a Miscellaneous E&O policy?
Provide a description of operations, years in business, annual revenue, services offered, sample contracts or engagement letters if available, and any prior claims history. The underwriters use these details to assess exposure and determine appropriate markets.
Is this program available nationwide?
No. It is available in selected states (see Territories and Availability above). Contact J.M. Wilson for current state eligibility and any state-specific requirements.
Can J.M. Wilson help with hard-to-place or unique risks?
Yes. Their underwriting team specializes in niche and non-standard risks and works with agents to craft placements for unusual professions or emerging exposures.
Need help placing an account? Connect with a market specialist.