Search CompleteMarkets

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.

...ient operating a small fleet of ambulances or a growing non-emergency transpor...

...te trucking, delivery services, ambulances, taxis, limos, and selective long-h...

AFC Insurance Inc. offers a focused Paratransit Program built for Non-Emergency Medical Transportation (NEMT), ambulette services, and other paratransit operations serving the Health & Human Services sector. If your client operates wheelchair-accessible vans, appointment shuttles, or similar non-emergency transport vehicles, this program is structured to help manage their transportation risks with tailored coverages and practical underwriting. Ideal accounts and appetite The program is designed for agents placing non-emergency transportation accounts, including: Paratransit vehicle operators Non-Emergency Medical Transportation (NEMT) providers Ambulette services Organizations and vendors within the Health & Human Services space Vehicles that have lights installed may be eligible, provided they do not carry EMT staff and are not used for emergency services. This program is not intended for ambulance or emergency providers, taxi, limousine/black car operations, or general shuttle services. Coverage highlights and advantages AFC provides access to a broad suite of coverages tailored to paratransit exposures. Highlights include: Commercial Auto Liability Hired and Non-Owned Auto Liability available Combined Single Limit options Capacity across multiple markets General Liability — limits available up to $1,000,000 Property Coverage Workers’ Compensation Directors & Officers (D&O) Accident & Health Crime Insurance These options help protect operators from vehicle liability, third-party claims, employee injuries, and organizational exposures common to human services providers. Underwriting notes and minimum premiums AFC’s underwriting emphasizes practical, experienced evaluation of paratransit risks. Typical eligibility requires that vehicles not be staffed with EMTs and not operate as emergency vehicles. Minimum premiums vary by account size, vehicle count, and exposure profile; agents should expect pricing to be quoted on a case-by-case basis. Territories and availability The program is available across the United States — all 50 states and Washington, D.C. — with capacity in both admitted and non-admitted markets where appropriate. AFC can place accounts in urban and rural territories. Why work with AFC Insurance Inc. on paratransit business As a dedicated Program Administrator, AFC brings focused expertise in transportation and human services exposures. They offer agents access to a variety of carrier markets and flexible placement options, making them a strong choice for niche NEMT and ambulette accounts that need tailored coverages and experienced underwriting. Example accounts that fit this program You have a small NEMT operator with a fleet of wheelchair-accessible vans transporting patients to medical appointments — no EMTs on board and routine routes within the community. An ambulette provider serving a county health department with a mix of part-time drivers and volunteer staff that needs combined auto liability and workers’ compensation solutions. Ineligible risks The program will not consider emergency services, ambulance operations, vehicles carrying EMT staff, taxi/shuttle services, limousine/black car operations, or similar for which different underwriting and coverages are required. Frequently Asked Questions What types of accounts are a good fit for this program? This program is best suited for non-emergency medical transportation providers — paratransit vehicle operators, ambulette services, and other transportation providers within the Health & Human Services sector. Are emergency medical services or ambulance companies eligible? No. Emergency services, ambulance operations, and any vehicles carrying EMT staff are ineligible for this program. What coverages are included in the Paratransit Program? Available coverages include Commercial Auto Liability (including hired & non-owned), General Liability, Property, Workers’ Compensation, Directors & Officers, Accident & Health, and Crime insurance. Is this program available in all states? Yes. AFC offers this program in all 50 states and Washington, D.C., with placement options across admitted and non-admitted markets. Can vehicles with lights be covered under this program? Yes. Vehicles equipped with lights may be eligible so long as they do not carry EMT staff and are not operated as emergency vehicles. Need help placing an account? Connect with a market specialist.

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

Tailored for School Bus, Charter Bus, Social Services, Ambulance, and ParaTransit Companies. Now includes coverage for Assault & Battery. VAIL - Value Added Insurance Lines, in partnership with Capacity Excess, LLC, offers a specialized Sexual Molestation Coverage program for transportation providers who regularly carry vulnerable populations. This program is designed for school bus contractors, charter operators, social service agencies, ambulance services, and ParaTransit providers. Coverage now extends to include Assault & Battery, giving broader protection for the kinds of high-exposure allegations these businesses face. Ideal Accounts and Appetite This program is intended for agents placing transportation clients that serve children, seniors, people with disabilities, or other at-risk groups. Typical target accounts include: School bus contractors and charter bus operators Non-emergency medical transportation (NEMT) providers Social service agencies that provide passenger transport Ambulance companies and ParaTransit operators You might place a mental-health nonprofit that operates daily shuttle routes or a charter company that runs school shuttles — both are examples of accounts that can benefit from dedicated sexual molestation and assault & battery coverage. Coverage Highlights and Advantages Allegations of sexual misconduct — even unfounded — can result in costly litigation and reputational harm. This program helps manage those risks with: Coverage for both legitimate and frivolous sexual molestation claims Assault & Battery included with the policy Limits available up to $5,000,000 Underwriting Notes and Minimums This is a non-admitted program with streamlined underwriting to speed placement for eligible risks. Key features: Flat rate per vehicle for simplified quoting A simplified application and quick quote turnaround $10,000 minimum premium $25,000 minimum retention Territories and Availability This program is available nationwide in all 50 states and the District of Columbia, offered on a non-admitted basis. If you have a multistate account or concentrated exposure in higher-risk territories, discuss placement options with the underwriting team. Why Work With VAIL and Capacity Excess VAIL specializes in value-added niche solutions and, through Capacity Excess, LLC, provides access to an underwriting team experienced in sexual misconduct and abuse exposures. Agents benefit from focused underwriting, responsive service, and a market that will consider difficult transportation risks other carriers may decline. To learn more, contact Carl Gerson at 201-661-2400 or email [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits school bus operators, charter bus companies, ambulance services, ParaTransit providers, and social service agencies that transport vulnerable populations. Does the policy cover Assault & Battery in addition to Sexual Molestation?Yes. The program now includes Assault & Battery coverage in addition to sexual molestation protections. What is the minimum premium for this coverage?$10,000 minimum premium with a $25,000 minimum retention. Is this program available in all states?Yes. The program is available nationwide in all 50 states and Washington, D.C., on a non-admitted basis. How quickly can I get a quote?VAIL and Capacity Excess use a simplified application and offer fast turnaround on quotes to help you move quickly for your clients. Need help placing an account? Connect with a market specialist.

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.

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.

Medical Malpractice Errors and Omissions Insurance Alexander J. Wayne & Associates, Inc. provides access to specialized Medical Malpractice Errors and Omissions markets for both standard and hard-to-place medical professionals. As a wholesale broker, we place coverage through top-rated carriers including Lexington, Chartis, James River, Hiscox, Admiral, CNA, Evanston/Essex/Markel, and Lloyd’s of London (domestic and London open market). We work with agents and brokers to secure tailored solutions across a wide range of healthcare exposures. Overview of the Program This program is designed to help agents place medical professional liability for accounts that may be challenged by standard markets due to prior claims, licensing issues, gaps in coverage, or unusual practice operations. We offer both admitted options in select states and broad access to non-admitted specialty markets nationwide. Our underwriting partners understand the nuances of medical malpractice and can often provide flexible terms when traditional carriers decline. Ideal Accounts and Appetite We write a wide spectrum of healthcare classes. Typical accounts include: Physicians with prior claims, disciplinary history, or coverage lapses Therapists, radiologists, and X-ray technicians Independent clinics, laboratories, and outpatient surgery centers Ambulance services, urgent care centers, and mobile medical units Spas and medical spas offering injectables, lasers, or other medical procedures IPAs, HMOs, PPOs, and multi-provider groups We can handle both solo practitioners and larger organizations; however, accounts with extreme regulatory issues or active criminal matters may not be eligible. If you have a higher-risk or unusual operation, contact our underwriting team to discuss options. Coverage Highlights and Advantages Our Medical Malpractice E&O program provides protection against allegations of negligence, errors, or omissions in the delivery of healthcare services. Key advantages for brokers and their clients include: Access to specialty carriers that understand complex medical exposures Flexibility to consider accounts with prior claims, non-renewals, or practice transitions Both admitted and non-admitted placement options depending on state and risk profile Ability to package coverage for individual practitioners and healthcare entities These features make the program a strong option when standard markets produce limited or unfavorable terms. Underwriting Notes and Minimum Premiums Underwriting is performed on a risk-specific basis. Minimum premiums typically start at $2,500 for specified medical professions; miscellaneous healthcare classes may have different minimums depending on exposure and complexity. When submitting, provide complete loss runs, current applications, and information on risk management or credentialing to help secure the best terms. Territories and Availability The program is available in all 50 states and Washington, D.C., with admitted options in some states and non-admitted markets accessible nationwide. Key state markets include CA, FL, NY, TX, and IL, but we can consider risks across the full territory list. Why Work With Alexander J. Wayne & Associates With decades of experience in medical professional liability, Alexander J. Wayne & Associates, Inc. is a trusted wholesale partner for independent agents and brokers. Our strengths include deep carrier relationships, specialty underwriting expertise, and a practical approach to placing difficult risks. We focus on finding workable solutions quickly so you can retain business that might otherwise be declined. Example placements you might bring to us: A solo physician with a prior malpractice claim and a recent gap in coverage seeking tail options and competitive terms. An outpatient clinic expanding into cosmetic procedures that needs coverage for new services and credentialing review. Contact us today to discuss a submission or to connect with a market specialist who can help place Medical Malpractice Errors and Omissions Insurance for your clients. 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 prior 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, though amounts 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.