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...to mid-sized physician and dental offices from key non-malpractice liabilities...Small to mid-sized doctor or dentist offices with fewer than 100 employees and...

...• Medical Facilities and Doctor’s Offices • Clinics and Hospitals • Consultant...

...ned for agents who represent: Doctors and physician groups (including many.../Facilities program?The program fits doctors and physician groups, hospitals, ...

...althcare professionals, including doctors and physicians Law firms Res...

Medical Malpractice Errors and Omissions Insurance Alexander J. Wayne & Associates, Inc. offers access to specialized Medical Malpractice Errors and Omissions Insurance markets designed for both standard and hard-to-place medical professionals. As a wholesale broker with access to top-rated carriers including Lexington, Chartis, James River, Hiscox, Admiral, CNA, Evanston/Essex/Markel, and Lloyd’s of London (both domestic and open market), we help agents and brokers secure coverage for a wide range of healthcare-related risks. Overview of the Program This program provides solutions for medical professionals who may have difficulty finding coverage in the standard market due to claims history, licensing issues, or other underwriting concerns. We work with non-admitted carriers in many cases, but admitted options are available in select states. Our expertise and broad market access allow us to help you place your clients, even when traditional options fall short. Ideal Accounts and Appetite We are particularly effective at helping agents place: Physicians with prior claims or gaps in coverage Therapists, radiologists, and X-ray technicians Clinics, laboratories, and outpatient centers Ambulance services and urgent care centers Spas offering medical treatments and procedures Independent Physician Associations (IPAs), HMOs, and PPOs Whether your client is a solo practitioner or part of a larger healthcare organization, we can assist in tailoring the right coverage to meet their needs. Coverage Highlights and Advantages Our Medical Malpractice E&O Insurance program offers flexible underwriting and access to specialty markets that understand the nuances of medical liability. Coverage is available for a wide range of medical professionals and entities, providing protection against claims of negligence, errors, or omissions in the delivery of healthcare services. This can be especially important for clients who have experienced claim issues or non-renewals. Underwriting Notes and Minimum Premiums Minimum premiums start at $2,500 for specified medical professions. For miscellaneous healthcare classes, the minimum premium varies depending on the risk class and underwriting factors. We can often provide options for risks that fall outside standard carrier guidelines, including those with elevated exposure or complex operations. Territories and Availability Our program is available in all 50 states plus Washington, D.C., including key markets such as CA, FL, NY, TX, and IL. Admitted options are available in some states, while non-admitted markets are accessible nationwide. Why Work With Alexander J. Wayne & Associates With decades of experience in the medical professional liability space, Alexander J. Wayne & Associates, Inc. is a trusted partner for independent agents and brokers. Our underwriting expertise and carrier relationships allow us to offer creative solutions for even the most challenging accounts. Whether your client is a physician with a claims history or a startup clinic with unique services, we are here to help you place the business efficiently and competitively. Contact us today and learn how we can support your agency with Medical Malpractice Errors and Omissions Insurance placements. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for physicians, therapists, technicians, clinics, and other healthcare providers who are difficult to place due to claims, gaps in coverage, or specialty services. Can you help place risks that have been declined by standard markets?Yes. We specialize in placing hard-to-place and nonstandard medical malpractice risks through our access to non-admitted markets and specialty carriers. Are there options for healthcare facilities as well as individuals?Absolutely. We can provide coverage for clinics, laboratories, ambulance services, HMOs, PPOs, and more, in addition to individual practitioners. What is the minimum premium for this program?Minimum premiums typically start at $2,500 for specified medical professions, but may vary for miscellaneous healthcare classes based on underwriting factors. In which states is this program available?The program is available in all 50 states and Washington, D.C., with admitted markets in some states and non-admitted markets nationwide. Need help placing an account? Connect with a market specialist.

...n help place Medical Malpractice, Doctors, Clinics, and Hospitals Errors and O...

...ns. They have a limited number of doctors and you must choose a primary care p...

Broker Liability Insurance One in five real estate agents and brokers will face a lawsuit during their career. Help your clients protect their professional reputation and financial stability with Alexander J. Wayne & Associates, Inc.'s Broker Liability Insurance program. As an experienced Excess & Surplus Lines broker, AJ Wayne places tailored real estate professional liability for agents, brokers and allied professionals using top-rated specialty carriers and targeted underwriting to match each client's exposure. Overview of the Program from Alexander J. Wayne & Associates, Inc. This program is designed to respond to common and specialty exposures in residential real estate practice—errors and omissions, personal injury (including libel and slander), discrimination allegations, pollution-related claims from property operations, and risks tied to lock boxes or subcontracted inspectors. AJ Wayne combines market access and underwriting experience to place straightforward accounts as well as harder-to-place risks through non-admitted carriers when necessary. Ideal Accounts and Appetite This program fits a broad range of real estate professionals, including: Real estate agents and brokers — residential Property managers and asset managers Home and lead paint inspectors Leasing agents and facilitators Mortgage brokers, bankers, and mortgage field representatives Residential real estate appraisers Real estate consultants and relocation consultants Typical fits: single-office brokerages, independent home inspectors, small-to-midsize property management firms, and mortgage professionals without significant commercial exposure. Accounts with high-value commercial portfolios, known fraud allegations, or documented prior criminal acts may require special placement or are outside standard appetite — AJ Wayne can advise on those on a case-by-case basis. Coverage Highlights and Advantages Independent Contractor Coverage: Options to extend protection to subcontracted inspectors and vendors. Lock Box Coverage: Includes property damage or loss arising from compromised lock boxes. Pollution Liability: Defense and indemnity for certain environmental claims tied to residential transactions or inspections. Discrimination Coverage: Defense for alleged discriminatory practices under fair housing or employment-related claims. Personal Injury: Libel, slander and other personal injury exposures — including online content. Punitive Damages: Available where insurable by jurisdiction and carrier. Automatic Acquired Subsidiary Coverage: Streamlines coverage for qualifying acquisitions. Common Ownership / Real Estate Equity Interest: Options to cover residential sales by affiliated developers or owned residential properties. Underwriting Notes and Minimum Premium Minimum premium for the program starts at $2,000. AJ Wayne works with a broad panel of specialty carriers to secure capacity and competitive terms. Representative markets include E-risk, Chartis, BRP, PRF, Axis, Schinnerer, Brown and Brown, Gen Star, Hiscox, Kinsale, Lexington, Liberty, US Risk, Houston Casualty, Shand, Specialty Global, USLI, Travelers, Tudor, Pearl Program, and Landy. Many placements are available on a non-admitted basis to give flexibility for more complex or harder-to-place risks. Territories and Availability AJ Wayne offers this program nationwide. Coverage is available in all 50 states and Washington, D.C., with broad access in states such as CA, FL, NY, TX, IL, and WA. Availability is subject to carrier appetite and state-specific regulations. Why Work With Alexander J. Wayne & Associates, Inc.? As an Excess & Surplus Lines broker with deep ties to specialty markets, AJ Wayne provides agents and brokers with market access, underwriting insight, and placement support tailored to real estate professionals. We focus on fast, practical solutions for both routine accounts and more challenging risks—helping you secure appropriate coverage, defend client relationships, and close deals. Example scenarios you might place through this program: A solo residential broker who needs E&O with online personal injury coverage after expanding marketing to social media. A small property management firm seeking pollution coverage and independent contractor protection for subcontracted maintenance vendors. Call AJ Wayne today to discuss a specific account or to get guidance on documentation and submission requirements. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits a wide range of residential real estate professionals, including brokers, property managers, home inspectors, appraisers, and mortgage professionals. Small to mid-size firms are typically the best fit. Is this coverage available in all states?Yes. Coverage is available in all 50 states and Washington, D.C., subject to carrier appetite and state-specific rules. What is the minimum premium for this program?The program’s starting minimum premium is $2,000. Final pricing depends on class of business, limits, and risk characteristics. Are independent contractors covered under this program?Yes. The program includes options to extend coverage to independent contractors, such as subcontracted inspectors or vendors, where requested and underwritten. Which carriers do you work with for this program?AJ Wayne places this business with a wide range of specialty carriers including USLI, Travelers, Hiscox, Liberty, Gen Star, Axis, and many others on our panel. Need help placing an account? Connect with a market specialist.