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Medical Professional Insurance J.M. Wilson Corp. offers a comprehensive Medical Professional Insurance program designed for a wide spectrum of healthcare providers and facilities. Backed by A- rated or better carriers, this program helps agents place business that requires tailored protection against the complex risks faced in the medical industry. Ideal Accounts and Appetite This program is ideal for both individual healthcare practitioners and medical facilities (with some class limitations). Whether your client is an outpatient counselor, chiropractor, nurse staffing agency, or operates a diagnostic imaging center, there’s likely a fit within our broad underwriting appetite. Sample classes include: Home Health Agencies Physical Therapists Chiropractors and Acupuncturists Hospices and Nursing Homes Clinics, Labs, and Imaging Facilities Medical Staffing Firms Dialysis Centers and Birthing Centers Psychologists, Counselors, and Social Workers Medical Directors and Physician Assistants Veterinary Services and More If you have a client launching a non-emergency ambulance service or running a behavioral health clinic, this program offers flexible solutions that can be customized to their needs. Coverage Highlights and Advantages J.M. Wilson’s Medical Professional Insurance program offers key protections including: Professional Liability (PL) – Claims-made basis General Liability (GL) – Claims-made or Occurrence Errors & Omissions Employment Practices Liability Property and Non-Owned Auto Liability Optional coverages: Sexual Abuse, Incident Trigger, Defense Outside the Limit, Employee Benefits Liability, and Employed Physicians Policy enhancements such as Blanket Additional Insureds, Primary wording for AIs, and Waiver of Subrogation are also available. Limits can go up to $5 million per occurrence and $7 million aggregate, with deductible options starting at $0. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis, allowing for broader flexibility in coverage design. Minimum premiums vary based on class, limits, and underwriting factors. Our team works closely with agents to ensure fast turnaround and accurate quoting for even the most nuanced risks. Territories and Availability This program is available to agents and brokers in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We represent a number of carriers, giving us access to both admitted and non-admitted options, though this specific program is non-admitted. Why Work With J.M. Wilson As a trusted Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience working with independent agents across specialized healthcare risks. We provide competitive markets, responsive service, and deep product knowledge to help you place medical professional liability accounts with confidence. Whether your client is a solo practitioner or a multi-site facility, we make it easier to deliver the protection they need. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for healthcare professionals and facilities such as clinics, home health agencies, rehab centers, counselors, and diagnostic labs. Is the program written on an admitted or non-admitted basis?This particular program is written on a non-admitted basis, providing greater flexibility in coverage and underwriting. What coverage limits are available?Primary limits are available up to $5 million per occurrence and $7 million aggregate, with deductible options starting at $0. In which states is this program available?This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Are individual providers and facilities both eligible?Yes, the program is designed to accommodate both individual practitioners and medical facilities, though some exclusions may apply. Need help placing an account? Connect with a market specialist.