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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.

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

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

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Medical Malpractice Hospitals/Clinics Residential Care Assisted Living Facilities Ambulance Services Counseling/Psychologists Imaging Centers Specialists Pharmacists/Pharmacies Medical Equipment Dealers Medical Equipment Manufacturers Pharmaceutical Products

... Airport shuttles and taxis Ambulances (emergency and non-emergency) S...s?Yes. We can provide coverage for ambulances (emergency and non-emergency) an...

Alexander J. Wayne & Associates offers a specialized solution for agents and brokers seeking Clinics Errors and Omissions Insurance, including coverage for hard-to-place and unique medical professionals and facilities. Overview of the Program From Alexander J. Wayne & Associates Many healthcare professionals and facilities face claims or risk factors that push them into the nonstandard insurance market. Alexander J. Wayne & Associates helps agents find reliable E&O coverage for clinics and related medical operations that fall outside standard underwriting guidelines. With access to both admitted and non-admitted markets in select states, AJ Wayne provides flexible options tailored to a wide range of healthcare exposures. Ideal Accounts and Appetite This program is designed for a broad spectrum of healthcare-related entities, including: Walk-in clinics and urgent care centers Diagnostic laboratories Independent physician associations (IPAs) Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) Ambulance and medical transport services Medical spas and wellness centers AJ Wayne specializes in harder-to-place risks, such as those with prior claims, gaps in coverage, or unique service offerings not easily categorized under standard programs. Coverage Highlights and Advantages Clinics Errors and Omissions Insurance through this program can help address professional liability exposures including: Misdiagnosis or treatment errors Improper supervision of staff or contractors Failure to follow industry standards or protocols Liability claims arising from third-party services or referrals The program is backed by strong carrier relationships, including Lexington, Chartis, James River, Hiscox, Admiral, CNA, Evanston/Essex/Markel, and Lloyd’s of London (domestic and London open market). This enables AJ Wayne to offer competitive solutions for both standard and distressed accounts. Underwriting Notes and Minimum Premiums Minimum premiums start at $2,500, with rates varying based on class of business and risk profile. Miscellaneous healthcare occupations may be subject to additional underwriting depending on services offered and claim history. Submissions should include full applications, loss runs (if applicable), and detailed descriptions of services provided. Territories and Availability This program is available in most states, including but not limited to CA, FL, IL, NY, TX, and WA. AJ Wayne can write on both admitted and non-admitted paper depending on the risk and state regulations. Reach out to discuss state-specific availability and market access. Why Work With Alexander J. Wayne & Associates As a wholesale broker with deep experience in the healthcare liability space, Alexander J. Wayne & Associates understands the complexities and nuances of clinics and allied health risks. Their access to specialty carriers and commitment to personalized service make them a valuable partner for agents placing both routine and challenging E&O accounts. Whether you're helping a new medical spa launch coverage or finding a home for a clinic with a recent claim, AJ Wayne brings the tools and expertise to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for clinics, labs, IPAs, HMOs, PPOs, ambulance services, and medical spas, especially those with prior claims or unique services that may not qualify for standard markets. Can you help with accounts that have prior claims or coverage gaps?Yes. Alexander J. Wayne & Associates specializes in nonstandard markets and can help place accounts with loss history or lapses in coverage. What is the minimum premium for this program?The minimum premium starts at $2,500, but it may vary depending on the class of business and specific risk details. Are both admitted and non-admitted carriers available?Yes. Admitted options are available in select states, and non-admitted markets are accessible for harder-to-place risks. In which states is this program available?The program is available in most US states, including CA, FL, IL, NY, and TX. Contact AJ Wayne for specific state eligibility. 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.

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.