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...healthcare operations with clear clinical controls, documented procedures, and...icenses, and any risk-management or clinical protocols relevant to the exposur...

...s for laboratories, technicians, clinical directors, and other medical profess...program is ideal for diagnostic and clinical testing operations such as pathology, genetic testing, clinical microbiology, drug screening labs...

...ce and errors & omissions by clinical staff. General Liability – premi...

...esale broker focused on Medical Malpractice and related professional liability... Associates can help place Medical Malpractice, Doctors, Clinics, and Hospital...

...cility where primary exposure is clinical care rather than inpatient hospital ...ion, or operations outside accepted clinical guidelines may not meet eligibili...

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.

...o don’t fit traditional medical malpractice policies. Ideal Accounts and Appe... who fall outside standard medical malpractice forms—such as therapy aides, di...

...y (MGA) specializing in medical malpractice insurance. We provide tailored Med...ers, and hospitals seeking medical malpractice coverage. Is coverage available...

...here to help with their Medical Malpractice Coverage! AP Advantage has partn...can help your clients with Medical Malpractice Coverage. Please note, cover...

Claims Made Defense Costs Duty to Defend Broad Definition of Professional Services 2 Way Optional Extended Reporting Period Full Prior Acts Coverage Available Overview of the Miscellaneous E&O Program from ExecutivePerils, Inc. ExecutivePerils, Inc. offers a flexible Miscellaneous Errors & Omissions (E&O) program designed for agents and brokers placing non-standard professional liability risks. Through multiple ExecutivePerils-appointed carriers, this non-admitted program provides tailored E&O solutions for professionals and firms that fall outside traditional disciplines such as law, accounting, or medicine. Ideal Accounts and Appetite This program is aimed at niche and emerging professional service firms where advisory mistakes, omissions, or negligent acts could lead to financial loss. Typical classes we place include consultants, marketing and creative firms, event planners, forensic experts, staffing organizations, and specialty advisors. ExecutivePerils will consider many hybrid or non-traditional service models that generalist E&O markets decline. Example accounts you might submit: A technology consultant providing regulatory compliance guidance to early-stage startups. A staffing agency that places temporary professionals into finance or healthcare roles and needs protection for placement advice. Coverage Highlights and Advantages Key program features give you market flexibility and meaningful protection for policyholders: Claims-Made form with flexible retroactive date options. Defense Costs included and a Duty to Defend where available from appointed carriers. Broad definition of professional services to capture a wide range of advisory, consulting, and technical activities. 2-Way Optional Extended Reporting Period to cover reporting gaps when a policy ends. Full prior acts coverage available for qualified risks subject to underwriting review. These features let you place accounts with confidence that the policy form will respond to common professional exposure areas beyond standard markets. Underwriting Notes and Submission Requirements Underwriting focuses on a clear understanding of the insured’s services, client types, revenue mix, and risk controls. Typical submission items include a completed application, a description of services and fee structure, and prior claims history. Underwriting may request contracts, sample engagement letters, or risk management procedures for complex or higher-limit submissions. Because this program is non-admitted, terms and minimum premiums vary by carrier and class. ExecutivePerils works with you to structure competitive terms through its appointed markets; discuss specific minimums and available limits during quote requests. Territories and Availability The Miscellaneous E&O program is available in most U.S. states, 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. Coverage is issued on a non-admitted basis through various ExecutivePerils-appointed carriers, offering broader flexibility on terms and endorsements than many admitted markets. Why Work With ExecutivePerils, Inc.? ExecutivePerils specializes in professional and management liability lines and focuses on hard-to-place or non-standard E&O risks. Their underwriting expertise, carrier access, and responsive service help agents secure tailored coverage for unique exposures. If you need a market that evaluates the specifics of a client’s services rather than relying on rigid class rules, ExecutivePerils can help you find practical solutions. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous E&O program?This program fits consultants, niche service providers, and hybrid businesses offering professional advice or technical services that don’t fall under standard legal, medical, or accounting E&O forms. Is this program available nationwide?Yes. The program is available in most U.S. states; policies are placed on a non-admitted basis through ExecutivePerils-appointed carriers. Does the program offer full prior acts coverage?Yes. Full prior acts coverage can be offered for qualified accounts subject to underwriting review and prior-acts eligibility. How broad is the definition of professional services under this policy?The program uses a broad professional services definition to accommodate a wide range of advisory and consulting activities, helping avoid unintentional gaps for non-traditional operations. What documents are typically required for a submission?Submit a completed application, a description of services and client types, revenue information, and any prior claims or incidents. Additional documentation may be requested for higher exposures. Need help placing an account? Connect with a market specialist.