Search CompleteMarkets

...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...

... Diagnostic imaging centers, clinical laboratories, and urgent care center... complex and hard-to-place medical malpractice accounts, including those with ...

Medical Malpractice Errors and Omissions Insurance A...d-to-place and nonstandard medical malpractice risks through our access to non...

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

... Surgery Centers Blood Banks Clinical Testing & Trials Facilities Di...cializing in hard-to-place medical malpractice coverage. Our team brings deep ...

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.

Most business owners take steps to secure their computer systems, but the reality is that no system is fully secure. In today’s interconnected world, cyber threats and unauthorized access to sensitive data can arise from exposures that go beyond technical safeguards. [VIDEO] Erin Herson, Director of Sales & Agency Relations, Answers Agents' Top 4 Most Frequently Asked Questions About Cyber Liability Insurance Top 4 FAQ's: What is Cyber Liability? How much does Cyber Liability Coverage cost? Does Cyber Liability Insurance only cover hacking? How does Cyber Liability respond to social media? Cyber Liability Insurance Program from J.M. Wilson J.M. Wilson offers Cyber Liability Insurance solutions designed to help agents and brokers protect clients from the financial and reputational risks associated with cyber events. As a Managing General Agency and Excess & Surplus Lines Broker, we provide access to both admitted and non-admitted markets to help you place difficult or unique cyber liability risks. From data breaches and ransomware to social media liability and theft of digital assets, our program responds to a broad range of exposures that modern businesses face. With our experienced brokerage underwriters, you’ll receive personalized guidance to help navigate this complex and often overlooked line of coverage. Ideal Accounts and Target Classes Cyber threats can impact nearly every type of business, but our program is especially well-suited for: Insurance Agencies and Brokers Medical Facilities, Clinics, and Telemedicine Practices Retailers (Online and Brick-and-Mortar) Professional Services Firms Payroll and Medical Billing Services Car Dealerships Internet-Based Businesses Laboratories and Blood Centers Whether your client is a rural hospital storing electronic medical records or a small e-commerce retailer managing customer payment data, our Cyber Liability program has flexible options to meet their risk profile. Coverage Highlights Data Breach & Privacy Liability (Third-Party Coverage): Protects against liability from unauthorized access to third-party confidential data. Broad definition of “unauthorized access,” including paper record theft/loss. Includes defense for privacy breach investigations and regulatory claims. Data Breach Loss to Insured (First-Party Coverage): Costs to restore the insured’s data. Reimbursement for theft of money and securities via unauthorized access. Extra expenses incurred during breach recovery. Electronic Media Liability: Coverage for online content involving libel, slander, defamation, or unintentional publication of private data. Infringement of intellectual property such as trademarks and copyrights. Supplementary Payments: Includes breach mitigation costs and reward reimbursements beyond the limits of liability. See Additional Features and 5 Common Myths of Cyber Liability Insurance here. Underwriting and Market Access We represent a number of carriers, both admitted and non-admitted, allowing us to offer flexible solutions to fit a wide range of business models and risk levels. Whether your client is new to cyber insurance or requires high-limit, specialized protection, we can help structure coverage that matches their needs. Available States Our Cyber Liability Insurance 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, PA, SC, TN, VA, WV, WI Why Work with J.M. Wilson? With decades of experience and a deep understanding of E&S markets, J.M. Wilson delivers more than just access to coverage — we provide the underwriting insight, carrier relationships, and responsive service that agents need to confidently place cyber liability risks. Our team is here to help you and your clients stay protected in an evolving digital landscape. If your customer owns a business, they have a cyber exposure — and J.M. Wilson is your partner in securing the right protection. Frequently Asked Questions What types of accounts are a good fit for this Cyber Liability program?This program is ideal for businesses that store sensitive data, process transactions online, or rely heavily on digital systems. Common classes include medical providers, retailers, insurance agencies, and professional services firms. Can this coverage extend to social media and online content exposures?Yes. The program includes electronic media coverage, which helps protect against claims involving libel, slander, defamation, or accidental disclosure through online platforms. Does this program offer both first-party and third-party coverage?Yes. Coverage includes first-party losses such as data restoration and theft, as well as third-party liability related to breaches of confidential information. Need help placing an account? Connect with a market specialist.

A professional providing a service to others can be sued for an actual or alleged error or omission! Although Errors & Omissions (E&O) claims may not be frequent, they can be financially devastating to the professionals and businesses involved. Whether or not your client is at fault, the cost of defending a claim can be significant—and the exposure to reputational harm is real. At Alexander J. Wayne & Associates, we specialize in placing Errors & Omissions coverage for a wide range of professional services. As a wholesale broker with decades of experience and access to top-rated carriers, we help retail agents place both standard and hard-to-place E&O accounts quickly and effectively. Ideal Accounts and Target Classes We offer tailored E&O solutions for hundreds of professional classes. Some of our focus areas include: • Claims Management • Real Estate Professionals • Environmental Consultants • Appraisers • Call Centers • Court Reporters • Business Brokers • Financial Consultants • Home Inspectors • Health Care Consultants • Insurance Consultants • Management Consultants • Mortgage Brokers • Staffing Companies • Title/Escrow Agents • Trustees • And many more If you have a niche or non-standard class, contact us—we likely have a market for it. Coverage Highlights and Advantages We work with “A”-rated carriers and offer flexible coverage options to meet your clients’ needs, including: • Third Party Discrimination Coverage • Full Prior Acts • First Dollar Defense Expense • Excess Limits Available • Group or Association Programs • Fast Turnaround on Quotes • Defense for Fee Disputes • Contingent Bodily Injury & Property Damage Options Limits are available from $100,000 up to $10,000,000 or more. Policies can be customized based on your client's risk profile and industry. Underwriting Guidelines and Minimum Premiums Our minimum premiums start at $750, with pricing flexibility depending on class and risk. We pride ourselves on quick response times and the ability to deliver multiple quote options—often before an agent receives their first indication from other markets. Available States We provide access to E&O coverage in nearly every U.S. state, 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. Some admitted options are available depending on the state and class. Why Work With Alexander J. Wayne & Associates? Our strong relationships with underwriters and specialty markets allow us to provide fast, flexible, and competitive E&O solutions. Whether you're placing a standard professional account or a tough-to-place risk, we deliver results that exceed expectations. Retail agents are often surprised at how quickly we deliver multiple quote options—often before they hear back from their usual markets. Let us help you expand your E&O offerings and win more accounts. Frequently Asked Questions What types of accounts are a good fit for this Errors & Omissions program?We specialize in a wide range of professional service providers including consultants, brokers, appraisers, inspectors, and more. Both standard and hard-to-place risks are welcome. What is the minimum premium for this program?Minimum premiums start at $750, but pricing may vary based on class, limits, and underwriting factors. Are admitted carriers available?Yes, we have access to admitted carriers in some states and for certain classes. Availability depends on the individual risk and location. Can you quote risks with prior claims or unusual exposures?Yes, we have markets that can consider distressed or hard-to-place E&O risks, including those with prior claims or unique operational exposures. How quickly can I get a quote?We pride ourselves on fast turnaround. In many cases, we can provide multiple quote options before you receive your first response from other markets. Need help placing an account? Connect with a market specialist.

Medical spas and anti-aging facilities are staffed by experienced clinicians and cosmetic specialists, but even the most skilled providers face professional and general liability exposures. Capitol Special Risks offers a tailored Medical Spa Professional and General Liability Insurance program that combines professional liability protections with full general liability for day-to-day operations—giving agents a single solution to place a broad range of med spa risks. Coverage Highlights for Medical Spas Coverage for Medical Directors for administrative duties Incident-sensitive trigger to support timely claims reporting Multi-year Extended Reporting Period (ERP) availability Personal property damage coverage with no deductible Expanded definition of insured — includes certain independent contractors, former employees, medical students, and volunteers First-dollar defense available Defense costs outside policy limits Coverage for sexual abuse and data breach exposures Weight loss endorsement available Full general liability protection included Tattoo removal coverage when performed by a licensed MD Eligible Treatments and Services This program is designed to cover the typical services medical spas and anti-aging clinics provide, including but not limited to: Botox / Dysport injections Chemical peels Cosmetology services Dermal filler injections Facials and skincare treatments HCG therapy for weight loss Hormone therapy for anti-aging Intense Pulsed Light (IPL) therapy Laser hair removal and skin rejuvenation Laser tattoo removal (when performed by a licensed MD) Laser vein therapy Massage therapy Mesotherapy / Lipodissolve Microdermabrasion Permanent make-up Prescription weight loss programs Sclerotherapy injections Ultrasound or radio frequency cellulite reduction Vitamin injections Ideal Clients and Appetite This program is built for agents placing medical spas, wellness centers, and anti-aging clinics that combine cosmetic services with medically supervised procedures. Capitol Special Risks is a good fit when your client operates under a medical director or when you need broader insured definitions to include contractors and trainees. Example accounts you might place here: A full-service med spa offering laser hair removal, dermal fillers, and IPL under a licensed medical director. An anti-aging clinic that provides hormone replacement and prescription weight loss programs with physician oversight. Program Details and Underwriting Considerations This is a non-admitted program placed through multiple carrier markets, which gives Capitol Special Risks flexibility to tailor terms and limits to the account’s risk profile. Minimum premiums vary by size, services offered, and loss history—contact Capitol Special Risks for specific quoting guidance. First-dollar defense and defense outside the limits are available to strengthen protection where appropriate. Available Nationwide Capitol Special Risks places this Medical Spa Liability program nationwide, including all 50 states and DC. Whether your client is in a large medical market or a smaller state, the program can often provide a solution. Why Partner with Capitol Special Risks As a wholesale broker with access to multiple specialty carriers, Capitol Special Risks delivers competitive options and efficient service without charging a broker fee. Our underwriters have deep experience with healthcare-adjacent and cosmetic exposures, so we can structure coverage for both common services and higher-risk procedures. Agents benefit from responsive turnaround, flexible non-admitted placements, and program endorsements designed for the med spa sector. No matter the size or scope of the medical spa client, Capitol Special Risks can help you find appropriate professional and general liability solutions. Contact us to begin the quote process or to discuss complex or physician-led operations. In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?This program suits medical spas, wellness centers, and anti-aging clinics that offer cosmetic and medically supervised treatments—especially those operating with a medical director or physician oversight. Can independent contractors or volunteers be covered under this policy?Yes. The policy’s definition of insured is expanded to include certain independent contractors, former employees, medical students, and volunteers, subject to underwriting approval and eligibility rules. Is this program available in all states?Yes. Capitol Special Risks offers this program nationwide, including all 50 states and DC. What is the minimum premium for coverage?Minimum premiums vary by state, services offered, and the account’s risk profile. Contact Capitol Special Risks for a quote tailored to the account. Does the policy include coverage for data breaches or cyber incidents?Yes. The program includes coverage options for data breach exposures; specific cyber limits and features depend on the carrier and placement. Need help placing an account? Connect with a market specialist.

...is includes companies conducting clinical trials, engaging in research and dev...olved in research, development, and clinical trials, as long as they meet unde...