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Sample Classes for Insurance Industry Errors & Omissions Insurance Retail Agents* Wholesale Agents MGA's / MGU's *Agencies where 50% or more of their revenues come from Property / Casualty sources Overview of the Program from J.M. Wilson Corp. J.M. Wilson Corp. offers a specialized Errors & Omissions (E&O) Insurance program designed specifically for professionals in the insurance industry. This program is tailored for independent agents and brokers who serve retail and wholesale insurance operations, MGAs, and MGUs. Whether you’re looking to protect a startup retail agency or a growing MGU operation, this E&O solution delivers flexible, competitive coverage backed by our access to both admitted and non-admitted markets. Ideal Accounts and Appetite This program is best suited for: Retail insurance agencies with at least 50% of revenue from property and casualty lines Wholesale insurance brokerages Managing General Agents (MGAs) and Managing General Underwriters (MGUs) If you have clients who are concerned about professional liability exposures related to the placement or handling of insurance policies, this program can provide the protection they need. For example, you might have a retail agency client that specializes in small commercial lines or a wholesaler working with niche markets—both are strong fits for this offering. Coverage Highlights and Advantages Competitive pricing structure $1MM / $3MM limits of liability $1,000 minimum deductible $1,000 minimum premium Defense costs paid outside the limits of liability Automatic coverage for independent contractors Worldwide coverage, provided the claim is brought in the U.S. or Canada Exclusion for bankrupt insurance companies does not apply to those rated B+ or better Prior acts coverage available Consent to settle provision included Extended reporting period options of 1, 2, 3, or 5 years, regardless of who cancels $25,000 in regulatory action expense coverage with no deductible Underwriting Notes and Minimum Premiums Standard underwriting criteria apply, with consideration given to the size, experience, and loss history of the agency or firm. The minimum premium begins at $1,000, with deductibles starting at $1,000. Prior acts coverage and extended reporting options help accommodate your clients’ evolving liability exposures. Territories and Availability J.M. Wilson offers this program in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We represent a variety of admitted and non-admitted carriers to meet diverse risk profiles and regulatory environments across these territories. Why Work with J.M. Wilson Corp.? As a trusted MGA and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience helping independent agents and brokers find the right markets for complex or hard-to-place risks. Our Insurance Industry E&O program is backed by knowledgeable underwriters, flexible carrier options, and responsive service. Partner with us to help your clients secure the professional liability protection they need—delivered with the efficiency and expertise you expect. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail and wholesale insurance agencies, MGAs, and MGUs—especially those with a strong focus on property and casualty lines. Are independent contractors covered under this policy?Yes, the policy automatically includes coverage for independent contractors working with the insured agency or firm. Is prior acts coverage available?Yes, prior acts coverage is available, subject to underwriting review and eligibility. What is the minimum premium for this program?The minimum premium starts at $1,000, with deductibles also beginning at $1,000. In which states is this program offered?The program is 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. Need help placing an account? Connect with a market specialist.

The surety team at J.M. Wilson helps independent insurance agents place Fidelity Bonds for their clients. Sample Classes Business Services Employee Dishonesty Commercial Crime Janitorial Services ERISA Financial Institution Comprehensive Fidelity Bond Solutions for Your Clients J.M. Wilson offers a broad Fidelity Bond program tailored to independent agents placing commercial accounts. Whether you need a basic employee dishonesty bond, a contract-required third-party fidelity bond for a janitorial firm, or ERISA coverage for a plan fiduciary, our surety team provides responsive underwriting and access to both standard and specialty markets. Target Classes and Ideal Accounts This program is designed for commercial clients exposed to employee dishonesty, theft, or fraud. Typical fits include: Business service firms with access to client property or funds Janitorial and cleaning companies requiring third-party fidelity coverage for contracts Employers and plan administrators needing ERISA fidelity bonds Financial institutions requiring specialized fidelity protections Commercial operations concerned about internal employee theft or fraud Example scenarios: you might place a fidelity bond for a small bookkeeping firm that handles client funds, or a janitorial contractor that must meet a municipality’s third-party fidelity requirement to win a contract. Program Highlights and Advantages Working with J.M. Wilson on Fidelity Bonds gives agents these advantages: Competitive pricing within the relevant markets Fast quote turnaround to help you move business quickly 24–48 hour response on new submissions in most cases Appetite for difficult-to-place risks and niche exposures Access to both admitted and non-admitted carriers We accept submissions from other surety markets for competitive review All represented surety carriers are rated “A” or better Underwriting Considerations Each submission is reviewed on its individual merits. Our markets consider new ventures, varied payroll sizes, and accounts with specific contractual bonding requirements. Common underwriting factors include the employer’s controls and background screening, prior losses, the nature of employee access to funds or property, and the requested limits and terms. If you have a submission currently placed with another surety, we welcome those applications for comparison and potential placement with our markets. States Available This Fidelity Bond program is available to licensed agents in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Why Work with J.M. Wilson? As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson combines deep surety expertise with established carrier relationships. Our team focuses on quick, practical solutions for both standard and hard-to-place fidelity exposures. When you work with us, you get a dedicated surety team that understands agent needs, expedites submissions, and pursues competitive market options. Frequently Asked Questions What types of accounts are a good fit for J.M. Wilson's Fidelity Bond program?Good fits include business services, janitorial companies that need third-party coverage, financial institutions, ERISA plan fiduciaries, and any commercial entity seeking protection from employee dishonesty or theft. Can J.M. Wilson help with hard-to-place or unusual bond requests?Yes. We have appetite for difficult-to-place accounts and access to both standard and specialty carriers to handle unique bonding needs. How quickly can I expect a response on a new submission?We typically respond within 24 to 48 hours on new account submissions, though response time can vary with complexity and requested documentation. Are your carriers admitted or non-admitted?We represent a mix of admitted and non-admitted carriers, allowing flexible placement options based on the account’s requirements. In which states is this Fidelity Bond program available?This program is 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. Need help placing an account? Connect with a market specialist.