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... fast or accessible enough, air ambulances save lives. The Air Ambulance Insur...our client operates fixed-wing air ambulances or rotor-wing helicopters, we pr...

Ambulance and Non-Emergency Medical Transportation Insurance Program Responding to our Broker Partners Our Medical Transportation program came about as a result of requests made by our broker partners to fill a gap in the industry. Working with our insurance carrier partners, we developed a specialized insurance program that meets federal, state and local governmental agency requirements—and we offer it to your clients at a competitive rate. Healthcare Facilities Endorsement One of the coverage differentiators brokers use as a selling point is the Healthcare Facilities Endorsement. This professional liability endorsement removes the exclusion for injuries that arise out of loading/unloading patients from motor vehicles, aircraft and watercraft. Eligible Classes Include Emergency Transportation providers such as ambulance services Medical Transportation providers such as wheelchair van transportation services Lines of Coverage Commercial Auto – Physical Damage – Up to $1,000,000 liability – UMC/UIM – Hired/Non-Owned Liability Professional Liability – Up to $1,000,000 each claim/$3,000,000 aggregate – Includes Healthcare Facilities Endorsement – Legal expenses paid outside liability limits – Sexual Misconduct/Abuse coverage included – Emergency Medical Treatment & Labor Act coverage included – Defendant Expense Benefits Commercial General Liability – Up to $1,000,000 occurrence/$3,000,000 aggregate Excess Liability – Up to $10,000,000 Commercial Property Commercial Inland Marine – Portable Equipment Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy as issued by the insurer.

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...te trucking, delivery services, ambulances, taxis, limos, and other commercial...

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...Medical Transportation (NEMT) Ambulances Sand & Gravel Haulers Mix-i...

Aesthetics/MediSpa Professional Liability Insurance Program Affinity Healthcare, a trusted program administrator, offers an exclusive Aesthetics/MediSpa Professional Liability Insurance Program through NSO. Designed specifically for medical professionals performing nonsurgical cosmetic procedures, this program helps agents and brokers protect their clients from the unique liability exposures that come with aesthetic treatments. One Policy, One Affordable Price This comprehensive policy provides dual protection—for both the individual practitioner and the business entity—under a single, cost-effective premium. With minimum premiums starting at $2,500, it’s an accessible option for a wide range of aesthetics professionals, from solo nurse injectors to growing medi-spa operations. Ideal Accounts and Covered Procedures This program is ideal for licensed healthcare providers and aesthetic businesses offering nonsurgical cosmetic treatments. Whether your client is a nurse practitioner opening a boutique aesthetics studio or a physician overseeing a multi-provider med spa, this program can meet their liability needs. Coverage includes nearly 100 nonsurgical procedures, such as: Botox and neuromodulators Dermal fillers and collagen injections Laser hair removal and laser skin treatments Microdermabrasion and chemical peels Electrolysis and body piercing Coverage Features and Benefits Professional Liability: Up to $1M per claim / $3M aggregate Legal Expenses: Covered in addition to policy limits License Protection: Up to $25,000 aggregate Defendant Expense Benefit: Up to $1,000 per day / $25,000 aggregate Deposition Representation: Up to $10,000 aggregate Personal Injury Protection: Up to $1M per claim / $3M aggregate Property Damage to Others: Up to $10,000 aggregate Assault Coverage (except TX): Up to $25,000 aggregate First Aid Benefit: Up to $10,000 aggregate Medical Payments: Up to $25,000 per person / $100,000 aggregate Underwriting and Market Access Affinity Healthcare offers access to both admitted and non-admitted markets, giving you flexibility based on your client’s location and needs. Underwriting considers factors such as provider licensure, scope of services, and claims history. Minimum premium begins at $2,500. Territories Covered This program is available in all 50 states and Washington, DC, including major markets like CA, TX, FL, NY, and IL. Whether your client operates in a large metropolitan area or a smaller community, you can confidently place their coverage through this nationwide offering. Why Choose Affinity Healthcare With deep knowledge of the healthcare and aesthetics sectors, Affinity Healthcare delivers tailored solutions for this rapidly growing market. Their partnership with NSO and select carriers ensures specialized coverage and responsive service. As an agent or broker, you’ll benefit from Affinity’s streamlined quoting process, competitive pricing, and access to markets that understand the nuances of aesthetics liability. You might have a client expanding from traditional nursing into cosmetic injectables, or a dermatology practice offering laser procedures. This program is designed to support those transitions with robust protection and underwriting expertise. Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed medical professionals and business entities offering nonsurgical aesthetic treatments, such as Botox, fillers, laser hair removal, and microdermabrasion. Does the policy cover both the individual practitioner and the business?Yes, the policy is designed to provide protection for both the individual provider and the business entity under one affordable policy. Is this program available nationwide?Yes, the Aesthetics/MediSpa Professional Liability Insurance Program is available in all 50 states and Washington, DC. What is the minimum premium for this program?The minimum premium starts at $2,500, although actual pricing may vary based on risk factors such as procedures performed and location. Are both admitted and non-admitted options available?Yes, Affinity Healthcare offers access to both admitted and non-admitted markets, giving you flexibility in finding the best fit for your client. Need help placing an account? Connect with a market specialist.

Medical Malpractice Errors and Omissions Insurance Alexander J. Wayne & Associates, Inc. offers access to specialized Medical Malpractice Errors and Omissions Insurance markets designed for both standard and hard-to-place medical professionals. As a wholesale broker with access to top-rated carriers including Lexington, Chartis, James River, Hiscox, Admiral, CNA, Evanston/Essex/Markel, and Lloyd’s of London (both domestic and open market), we help agents and brokers secure coverage for a wide range of healthcare-related risks. Overview of the Program This program provides solutions for medical professionals who may have difficulty finding coverage in the standard market due to claims history, licensing issues, or other underwriting concerns. We work with non-admitted carriers in many cases, but admitted options are available in select states. Our expertise and broad market access allow us to help you place your clients, even when traditional options fall short. Ideal Accounts and Appetite We are particularly effective at helping agents place: Physicians with prior claims or gaps in coverage Therapists, radiologists, and X-ray technicians Clinics, laboratories, and outpatient centers Ambulance services and urgent care centers Spas offering medical treatments and procedures Independent Physician Associations (IPAs), HMOs, and PPOs Whether your client is a solo practitioner or part of a larger healthcare organization, we can assist in tailoring the right coverage to meet their needs. Coverage Highlights and Advantages Our Medical Malpractice E&O Insurance program offers flexible underwriting and access to specialty markets that understand the nuances of medical liability. Coverage is available for a wide range of medical professionals and entities, providing protection against claims of negligence, errors, or omissions in the delivery of healthcare services. This can be especially important for clients who have experienced claim issues or non-renewals. Underwriting Notes and Minimum Premiums Minimum premiums start at $2,500 for specified medical professions. For miscellaneous healthcare classes, the minimum premium varies depending on the risk class and underwriting factors. We can often provide options for risks that fall outside standard carrier guidelines, including those with elevated exposure or complex operations. Territories and Availability Our program is available in all 50 states plus Washington, D.C., including key markets such as CA, FL, NY, TX, and IL. Admitted options are available in some states, while non-admitted markets are accessible nationwide. Why Work With Alexander J. Wayne & Associates With decades of experience in the medical professional liability space, Alexander J. Wayne & Associates, Inc. is a trusted partner for independent agents and brokers. Our underwriting expertise and carrier relationships allow us to offer creative solutions for even the most challenging accounts. Whether your client is a physician with a claims history or a startup clinic with unique services, we are here to help you place the business efficiently and competitively. Contact us today and learn how we can support your agency with Medical Malpractice Errors and Omissions Insurance placements. 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 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, but 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.

Hospitals Errors & Omissions Insurance offered through Alexander J. Wayne & Associates. 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.

At PMC Insurance Group, we provide independent agents and brokers with direct access to an extensive panel of workers' compensation markets. Whether you’re placing small-business artisan accounts or middle-market risks, our underwriting team and carrier relationships help you secure the right structure — from guaranteed-cost policies to retrospective and large-deductible programs — with responsive service throughout placement and binding. Ideal Accounts and Appetite This Workers Compensation Insurance program is built for a broad mix of industries, with a focus on accounts that show favorable loss experience and documented risk controls. We handle both low-premium and higher-premium placements and offer flexible solutions for middle market accounts over $100,000 in premium. Target classes include (minimum premiums shown where applicable): Small artisan contractors – Carpentry, plumbing, electrical (minimum premium commonly shown at $2,500) Construction – General contractors and specialty trades (minimum premium commonly shown at $10,000) Short-haul trucking – Local and regional haulers (minimum premium commonly shown at $2,500) Healthcare services – Home health, assisted living, hospice (starting at $2,500) Nursing homes and social services – Nursing homes (minimum premium $75,000), social services (minimum premium $5,000) Staffing firms – General and medical temp staffing (minimums commonly shown at $75,000 and $7,500) Non-emergency medical transportation – (minimum premium commonly shown at $7,500) Energy sector risks – Includes options for additional lines (minimum premium commonly shown at $25,000) Note: Minimum premiums shown above are illustrative for certain classes. Program minimums often start around $2,000 for many small-business classes, but specific minimums vary by class, carrier, and state. Coverage Highlights and Advantages Access to a wide network of national and regional carriers for admitted and non-admitted placements Multiple policy structures: guaranteed cost, retrospective rating, and large-deductible programs PMC PayGo — a "pay-as-you-go" premium option for eligible risks to improve cash flow and payroll reporting accuracy Dedicated new business team and underwriting support to help with submissions, coverages, and placement strategy Typical problems this program helps manage include payroll volatility for contractors, high-severity exposures in healthcare and staffing, and placement solutions for short-haul transportation or middle-market construction operations seeking alternative rating plans. Underwriting Notes and Minimum Premiums We prefer accounts with documented loss control, clear safety programs, and stable payroll reporting. While many small-business classes can be considered at lower minimums, larger or more complex operations will require higher minimum premiums and additional underwriting detail. Examples of typically ineligible or restricted classes include: Long-haul trucking Roofing operations Ambulance services and taxi operations 24-hour exposures High-frequency or high-severity risk profiles Eligibility and appetite may vary by state and carrier. Territories and Availability This program is available to agents in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI. We offer both admitted and non-admitted placement options depending on the risk and state regulations. Why Work With PMC Insurance Group? Over 3,000 agents rely on PMC Insurance Group as a wholesale broker for workers' compensation placements. Our strengths include deep carrier relationships, experience placing specialty classes and middle-market accounts, and a service model focused on fast, practical underwriting responses. We work collaboratively with agents to identify competitive structures, tailor payment plans like PMC PayGo, and support renewals and claims advocacy when needed. Example account scenarios: You might have a mid-sized home healthcare agency seeking flexible comp options and payroll-based premium reporting — PMC can access admitted and non-admitted markets and evaluate PMC PayGo eligibility. Or you may be placing a small electrical contractor expanding into new territories — we can help find a carrier offering appropriate territory endorsements and preferred contractor rates. To explore full program details and submission requirements, visit pmcinsurance.com. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?We focus on small to mid-sized businesses with demonstrable loss control in industries such as construction, healthcare, short-haul transportation, staffing, and energy. What is the minimum premium for eligible accounts?Minimum premiums commonly start around $2,000 for many small-business classes. Specific class minimums may be higher as shown in the target class list and will vary by carrier and state. Are there any ineligible classes?Yes. We generally do not place long-haul trucking, roofing, ambulance or taxi operations, 24-hour exposures, or accounts with high frequency or severity loss profiles. Is this program available nationwide?This program is available in the states listed above. Admitted and non-admitted options are available depending on the state and the specific risk. What payment options are available?PMC offers flexible payment solutions, including PMC PayGo (pay-as-you-go) for eligible accounts to help align premium with payroll and improve cash flow management. Need help placing an account? Connect with a market specialist.