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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.

...inst allegations of negligence, malpractice, and professional errors. Key adva...