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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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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.

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.

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.

AERIAL SPRAYING INSURANCE AVAILABLE NATIONWIDE Aerial spraying operations present a unique set of risks that require specialized coverage. Whether your clients operate fixed-wing aircraft or helicopters for crop dusting, fertilization, or pesticide application, Arlington/Roe & Co., Inc. can help you place the right insurance solutions. Our Aerial Spraying Agriculture Insurance program is tailored specifically for agricultural aviation exposures and is available in all 50 states. Overview of the Program From Arlington/Roe As a Managing General Agency and Excess & Surplus Lines Broker, Arlington/Roe represents over 35 aviation insurance carriers across the country. Our aviation division is comprised of seasoned aviation brokers with more than 85 combined years of industry experience. For over two decades, our team has partnered with agents to deliver competitive, comprehensive coverage for aerial applicators and other agricultural aviation risks. Ideal Accounts and Appetite This program is designed for aviation operations involved in the aerial application of chemicals, fertilizers, and other agricultural products. Eligible accounts include: Independent crop dusters using fixed-wing or rotary aircraft Agricultural co-ops with in-house aerial spraying operations Fertilization and pesticide application contractors serving large-scale farms Operators with fleets ranging from a single aircraft to multiple units You might have a client who operates a small aerial spraying business in the Midwest or a larger operation serving multiple states — our team can help place both types of risks. Coverage Highlights and Advantages We offer access to a wide range of coverage options tailored to agricultural aviation, including: Aircraft Hull and Liability (Fixed-Wing and Helicopter) Chemical Drift and Pollution Liability Non-Owned Aircraft Coverage Airport and Helipad Operations Coverage Aviation Products Liability Aviation Worker's Compensation Our relationships with virtually every domestic aviation insurance market allow us to customize solutions based on the unique exposures of your client’s operation — from antique aircraft to emergency service applications. Underwriting Notes and Minimum Premiums Minimum premiums vary based on aircraft type, operations, and territory. We work with agents to navigate underwriting requirements and present complete, competitive submissions. Our experience enables us to guide both seasoned aviation agents and those new to this niche. Territories and Availability This program is available in all 50 states and Washington, D.C. We can accommodate agricultural aviation risks regardless of location, including operations in rural, suburban, or coastal regions. Why Work With Arlington/Roe With decades of aviation insurance experience and access to over 35 aviation markets, Arlington/Roe is uniquely positioned to help you place aerial spraying risks efficiently and accurately. Our dedicated aviation team supports you every step of the way — from account evaluation to policy issuance — ensuring the right fit for your client’s needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for operators involved in aerial application of chemicals, fertilizers, or crop dusting using fixed-wing aircraft or helicopters. Can I submit accounts located outside my state?Yes, this program is available nationwide and we can help you place risks in any of the 50 states and Washington, D.C. Do you work with agents who are new to aviation risks?Yes, our experienced aviation team supports both seasoned aviation agents and those entering this specialized market for the first time. What types of aircraft are eligible?We can help insure fixed-wing and rotary aircraft, including piston, turbo-prop, and jet-powered units used in agricultural aviation. Are chemical drift or pollution claims covered?Coverage for chemical drift and pollution liability is available and can be tailored based on your client’s operations. Need help placing an account? Connect with a market specialist.

Exclusive Professional Liability Program for Allied Healthcare Schools - Student Blanket Program The Student Blanket Program from Affinity Healthcare, offered in partnership with Nurses Service Organization (NSO) and Healthcare Providers Service Organization (HPSO), provides a streamlined professional liability solution for allied health education programs. This single, affordable policy lets you place coverage for the school entity, faculty and students together—simplifying administration and billing for training institutions and their brokers. Unlike specialty-rated student plans, the Student Blanket Program uses a uniform low per-student rate across more than 100 allied health specialties. That consistency lets you quote and bind faster for mixed programs without worrying about specialty-by-specialty rating differences. Ideal Accounts and Appetite This program is designed for allied healthcare schools, colleges and training centers that teach clinical, technical, and patient-care skills. Typical accounts include: Vocational and technical schools (LPN/LVN, allied health certificates) Community colleges and four-year institutions with nursing, physical therapy, pharmacy, or allied health tracks Private training centers for EMS, radiologic technologists, surgical assistants, and similar occupations More than 100 specialties are eligible, including: Nurse and Nurse Practitioner Pharmacist Physical and Occupational Therapist Speech Language Pathologist EKG and Dialysis Technician Dental Hygienist and Orthopedic Assistant Sports Medicine Therapist Coverage Highlights and Advantages Affinity Healthcare’s Student Blanket Program reduces administrative complexity while providing meaningful protections for educational operations and clinical learners: One policy covers the school entity, its faculty, and enrolled students Flat per-student rate—consistent pricing across specialties No separate premium required to add faculty or the school entity Limits available: $1M/$5M or $2M/$5M Built-in benefits include: Legal representation outside policy limits Disciplinary hearing coverage: up to $1,000 per proceeding Deposition representation: up to $1,000 per deposition Assault coverage: up to $1,000 per incident (not available in Texas) First aid expenses: up to $500 per incident Medical payments: up to $2,500 per person Underwriting Notes and Minimum Premiums The program has a low barrier to entry, with a minimum premium of $300. Underwriting is straightforward and geared toward educational operations rather than individual practitioner risk. The policy is underwritten by American Casualty Company of Reading, PA — a CNA company. Typical considerations for quoting include student counts, program types, and the clinical training environment; specialized or high-risk training settings may require additional review. Territories and Availability This admitted program is available nationwide on an admitted basis in all 50 states and the District of Columbia, including 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, and WY. Why Work With Affinity Healthcare? Affinity Healthcare (a division of Affinity Insurance Services, Inc.) focuses on professional liability programs for healthcare professionals and institutions. Through partnerships with NSO and HPSO, Affinity gives agents access to a carrier-backed program with simple underwriting and reliable claim handling through CNA. For brokers, the Student Blanket Program streamlines placement and reduces administrative burden when insuring schools with multiple allied health programs. You might use this program when a client runs a multi-discipline training program and wants one policy to cover all students and faculty, or when a vocational school needs economical student coverage without specialty-by-specialty rating. If you have an account that trains clinical students and needs consolidated, admitted coverage across states, this program is worth quoting. Frequently Asked Questions What types of accounts are a good fit for this program?Healthcare training schools, vocational institutions, and colleges offering allied health programs—nursing, therapy, pharmacy, EMS, dental hygiene and similar programs—fit well. Are faculty and the school entity included in the policy?Yes. The blanket policy covers the school entity and faculty at no additional premium, consolidating responsibility under one policy. Is the premium the same regardless of student specialty?Yes. The program offers a single low per-student rate across more than 100 eligible specialties, simplifying quotes for mixed programs. What are the coverage limits available?Limits are available at $1,000,000 per claim/$5,000,000 aggregate or $2,000,000 per claim/$5,000,000 aggregate. In which states is this program available?The Student Blanket Program is available on an admitted basis in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.

FLIGHT SCHOOL INSURANCE AVAILABLE NATIONWIDE Flight schools are commercial aviation operations that provide aircraft rental for instruction and recreational use. Many schools also offer ancillary services such as fueling, maintenance and repair, charter flights, simulator-based training, and sales of aviation supplies. Unlike flying clubs, flight schools operate for profit and typically expose insurers to an unlimited number of different pilots. Flight school insurance from Arlington/Roe is designed to address the combined liability and hull exposures that arise from training, rental, and related services. Overview of the Program From Arlington/Roe Arlington/Roe & Co., Inc. delivers deep aviation underwriting expertise and broad market access for flight school placements. Our dedicated aviation team has worked together for over 20 years and brings a combined 85 years of aviation insurance and risk-management experience. As a Managing General Agency and Excess & Surplus Lines Broker, we represent more than 35 aviation carriers and can access both admitted and non-admitted markets nationwide. Whether you’re an experienced aviation broker or new to the class, Arlington/Roe provides underwriting guidance, market placement support, and a full suite of coverage options for flight schools. Ideal Accounts and Appetite We place a wide range of flight school operations, including: Programs offering single- and multi-engine fixed-wing instruction Helicopter training providers Schools with simulator training or advanced instruction Operations that provide fueling, aircraft maintenance/repair, or charter on the side Typical appetite includes regional and municipal flight schools with piston or turbine aircraft, multi-location trainers, and operations that combine instruction with rental. We can place dual-use aircraft (instruction and rental) when they are part of a flight school operation. Accounts with complex or unusual exposures can often be placed through our excess & surplus markets; we work with agents to find the right carrier for each risk. Coverage Highlights and Advantages Our flight school program offers flexible coverages designed for the industry’s mixed exposures: Hull/property coverage for owned, leased, and rented instructional aircraft Liability for bodily injury, property damage, and passenger exposures Mechanical breakdown protection and coverage for substitute aircraft Hurricane repositioning reimbursement and transit protections Options for aviation products liability, ground handling, and refueling operations We also provide access to aviation workers’ compensation solutions and can coordinate broader aviation packages when required by the account. Underwriting Notes and Minimum Premiums Underwriting is risk-specific. Minimum premiums vary by fleet mix, pilot hiring and training practices, geographic exposures, and services offered. Our underwriters evaluate pilot experience, maintenance programs, operations manuals, loss history, and the mix of instruction versus rental or charter activity to structure appropriate coverage. We can write entire aviation accounts—even when flight school operations are not the primary class code—by leveraging admitted and non-admitted markets. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. We can place business for urban training centers, regional schools, and rural municipal airport-based operations through our broad carrier panel. Why Work With Arlington/Roe Arlington/Roe’s aviation team combines deep underwriting experience with extensive market relationships. We provide responsive, placement-focused service and help agents navigate admitted and E&S solutions to secure comprehensive coverage for flight schools. From initial submission to policy issuance, we support agents with underwriting feedback, coverage options, and market access. Note: Arlington/Roe's Charter Insurance storefront can be accessed through CompleteMarkets by searching for keywords such as charter turbine and jet aircraft, charter air carrier operations, and scheduled air carrier operations. Frequently Asked Questions What types of accounts are a good fit for this flight school insurance program?Ideal accounts include flight schools offering instruction in fixed-wing aircraft or helicopters, with or without simulator training, and those that may also provide fueling, repair, or charter services. Do you offer coverage for aircraft used in both instruction and rental operations?Yes. The program can provide coverage for aircraft used in dual roles—training and recreational rental—so long as they are operated as part of a flight school. Is there a minimum premium requirement for this program?Minimum premiums vary with the size and complexity of the operation. Our underwriters review each submission and will advise on pricing and any minimums that apply. Can this program cover flight schools with multiple locations?Yes. We can accommodate multi-location schools; please include clear location details in the submission so underwriting can assess exposures properly. Do you work with agents who are new to aviation insurance?Absolutely. Our aviation team supports both experienced aviation agents and those new to the class, providing guidance on submissions, coverages, and placement options. Need help placing an account? Connect with a market specialist.

Alexander J. Wayne & Associates offers Doctors Errors and Omissions Insurance built to address the needs of hard-to-place medical professionals and healthcare-related entities. As a wholesale broker with broad access to nonstandard and admitted markets, we help agents place clients who may be declined by standard carriers because of prior claims, licensing issues, gaps in coverage, or unusual exposures. Overview of the Program From Alexander J. Wayne & Associates Alexander J. Wayne & Associates provides tailored Doctors Errors and Omissions Insurance solutions for individual clinicians, group practices, and healthcare organizations with challenging risk profiles. Our access to specialty and surplus markets enables flexible terms and underwriting for accounts that need an alternative to the standard market. Ideal Accounts and Appetite This program focuses on healthcare professionals and entities that are difficult to place in standard markets. Target classes include: Physicians and specialists with prior claims, licensing actions, or recent practice changes Therapists, X-ray and diagnostic technicians, and other allied health professionals Independent physician associations (IPAs) and physician groups Clinics, diagnostic laboratories, HMOs, and PPOs Ambulance services, urgent care centers, and outpatient treatment facilities Medical spas, wellness providers, and ancillary health businesses Examples: you might have a client who operates a small diagnostic lab with a complex claims history, or a physician who recently left a hospital system to start a private practice. Those are the types of accounts we routinely place through nonstandard markets. Coverage Highlights and Advantages Our Doctors Errors and Omissions program protects healthcare professionals and organizations against allegations of negligence, malpractice, and professional errors. Key advantages include: Access to non-admitted carriers and London market capacity for hard-to-place risks Support for both individual and group accounts, including allied health and facility exposures Flexible policy structures to address a wide range of services and specialties Responsive underwriting with fast turnaround on submissions and quote requests Underwriting Notes and Minimum Premiums Underwriting is handled on a case-by-case basis to reflect the insured’s specialty, claims history, limits requested, and other exposure details. The program typically requires a minimum premium starting at $2,500 for specified medical professionals; miscellaneous and ancillary classes are quoted according to their risk characteristics. We work closely with agents to clarify submission requirements and to present accounts in the most favorable light. Territories and Availability This program is available in most U.S. states, including CA, FL, TX, NY, IL and many others. We offer both admitted options in certain states and non-admitted placements where appropriate. Please confirm state availability for the specific class of business before submission. Why Work With Alexander J. Wayne & Associates With decades of experience placing professional liability for healthcare risks, Alexander J. Wayne & Associates has strong relationships with top-rated carriers and markets, including Lexington, Chartis, James River, Hiscox, Admiral, CNA, Evanston/Essex/Markel, and Lloyd’s of London. Our underwriting team understands the nuances of complex medical exposures and focuses on pragmatic, market-ready presentations that improve placement outcomes. Call us or connect online to discuss a submission and learn how Alexander J. Wayne & Associates can help you place standard and hard-to-place Doctors Errors and Omissions Insurance for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program suits doctors, therapists, technicians, and healthcare entities that are hard to place due to prior claims, licensing issues, gaps in coverage, or unusual practice exposures. Is this coverage available in all states?Coverage is available in most U.S. states. Some admitted options are available depending on the state and the class of risk; non-admitted placements are used where needed. What is the minimum premium?Minimum premiums generally start at $2,500 for specified medical professionals. Miscellaneous and ancillary classes are priced based on their risk characteristics. Which carriers are used for this program?We access a mix of specialty and standard carriers, including Lexington, Chartis, James River, Hiscox, Admiral, CNA, Evanston/Essex/Markel, and Lloyd’s of London. Can you help with clients who have prior claims?Yes. We specialize in placing medical professionals and organizations with prior claims or complex histories through our nonstandard markets. Need help placing an account? Connect with a market specialist.