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...eligible operations include: MRI centers X-ray facilities Labor...ices are the best fit—examples include MRI, X-ray, nuclear imaging, SPECT, and...

...eligible operations include: MRI centers X-ray facilities Labor...ices are the best fit—examples include MRI, X-ray, nuclear imaging, SPECT, and...

Overview — Medical Malpractice & Healthcare Placement Preferred Concepts LLC places Medical Professional Liability (medical malpractice) and Healthcare liability risks through specialty markets described below. The program focuses on hard-to-place physicians and surgeons, miscellaneous medical service providers, managed care accounts, and healthcare D&O/E&O exposures. The detailed market description below references Mercator Risk Services, a specialty underwriting partner referenced in the program materials; please follow the submission guidance to ensure the strongest placement opportunity. Ideal Accounts and Appetite This program is designed for agents who have clients that are difficult to place in standard markets. Typical opportunities include: Physicians and surgeons with adverse or complex loss histories Practices in higher-exposure specialties (for example, OB/GYN, bariatrics) Providers with unique practice models (online medical services, telemedicine, consulting) Miscellaneous practitioners and specialty service providers (chiropractors, alternative medicine, nurse registries) Managed care organizations (HMOs, PPOs, PHOs) and managed care service firms (credentialing, utilization review) Entity placements for physician groups, hospitals, and larger health systems Coverage Highlights and Advantages Medical Professional Liability (Medical Malpractice) for individual practitioners and entity placements where markets allow Errors & Omissions (E&O) and Directors & Officers (D&O) products tailored for managed care and healthcare organizations Ability to underwrite specialty service organizations such as medical billing firms, blood banks, labs, outpatient facilities, imaging centers, home health, rehab, ambulance services, and credentialing firms Placement options for unusual or evolving exposures driven by technology and online medical services Access to specialty carriers and wholesale market capacity for risks that struggle in standard admitted markets Underwriting Notes and Submission Requirements To obtain competitive consideration, submit a complete package. At minimum include: Completed application specific to the risk Clear description of operations and services performed Five years of loss history (claims and loss runs) High-severity or complex accounts (poor loss history, high-risk specialties, substance issues, international/foreign training or practice) can still be placed, but expect closer underwriting scrutiny and potentially higher premiums or tighter terms. Territories and Availability This program is available in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Availability can vary by carrier and by state—check specific appetite and admitted/non-admitted options at submission. Why Work With Preferred Concepts LLC on This Business Access to specialty markets experienced with hard-to-place medical and healthcare risks. Program guidance that helps you package submissions for faster, more accurate underwriting review. Flexibility to consider unusual operations and newer healthcare delivery models that many admitted carriers will not entertain. Example Client Profiles A solo OB/GYN surgeon with an unfavorable loss history seeking professional liability limits and entity-tailored terms for a small practice. An HMO-style managed care firm that needs combined E&O and D&O placement along with tailored risk management endorsements. Submission and Contact: A thorough submission is necessary to get the job done. In addition to the application, include a clear description of activities and five years of loss history. For more information, please call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on products, insurance applications, and specialty lines information on their website www.mercatorpro.com. Frequently Asked Questions What types of medical accounts are the best fit for this program?Accounts that typically fit are hard-to-place physicians (adverse loss history or high-risk specialties), specialty service providers (billing firms, labs, imaging centers), and managed care organizations that require E&O and/or D&O protection. What documentation do I need to include with a submission?Include a completed application, a clear description of the insured’s activities, and five years of loss history or claims runs. For complex risks, supporting documents such as risk management protocols or practitioner credentials are helpful. Are entity placements available for physician groups and hospitals?Yes. Entity coverage for physician groups and hospitals is available in many states, especially for larger physician groups and health systems. Smaller groups and individual physicians may face state-specific market limitations. Can you place online medical services or telemedicine practices?Yes. The program has appetite for evolving technology-driven practices (telemedicine, online medical information services), but these require detailed operational descriptions and careful underwriting review. How do I get pricing or check state availability?Submit the required application and loss history for an accurate quote. State availability varies by carrier, so provide the insured’s state of domicile and operations on the submission to confirm admitted vs. non-admitted options and specific market capacity. Need help placing an account? Connect with a market specialist.

...• Linear accelerators • MRI scanners • Neonatal incubators &...

...nge of imaging practices, including MRI, CT, ultrasound, mammography, and more...s involved in diagnostic services like MRI, CT, ultrasound, and mammography ar...

Medical Malpractice Insurance Solutions from Bailey Special Risks If you need a reliable partner to place Medical Malpractice and allied health liability, Bailey Special Risks, Inc. (BSR) provides flexible, non-admitted solutions through multiple specialty carriers. As a wholesale broker focused on professional liability, BSR helps agents and brokers place complex risks and tailor terms for a wide range of healthcare clients. Ideal Accounts and Appetite BSR’s Medical Malpractice program is constructed for diverse healthcare exposures. Typical fits include: Physicians and surgeons across many specialties Allied health professionals — nurse practitioners, physician assistants, therapists, etc. Medical groups, multi-provider clinics, and outpatient facilities Diagnostic imaging centers, clinical laboratories, and urgent care centers Telemedicine providers and other non-traditional or emerging healthcare models From solo practitioners to multi-provider practices, BSR can pursue competitive solutions and structure coverage for niche or hard-to-place accounts. Coverage Highlights and Advantages Access to multiple specialty markets lets BSR offer flexible coverage designs. Features commonly available include: Claims-made and occurrence policy forms Consent-to-settle language when offered by the carrier Defense costs outside the policy limits on select programs Optional tail (extended reporting) and prior-acts coverage Customizable limits and deductible options to fit practice size and exposure These options help agents close coverage gaps, secure terms for unusual practice profiles, and place accounts that may not fit standard markets. Underwriting Notes and Minimum Premiums Underwriting is pragmatic and focused on the full risk profile: specialty, scope of services, licensure, claims history, and practice controls. BSR does not publish a fixed minimum premium; the program accommodates a broad range of account sizes. Expect underwriting to request a completed application, five years of loss history, and operational details for accurate placement. Territories and Availability This Medical Malpractice market is available on a non-admitted basis in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY. Why Work With Bailey Special Risks Bailey Special Risks, Inc. brings decades of experience placing professional liability and other specialty risks. Their medical malpractice team understands regulatory and operational challenges facing healthcare providers and responds quickly with access to multiple specialty carriers. BSR’s strengths include underwriting flexibility, market access for hard-to-place risks, and a hands-on approach to structuring terms. Example scenarios where BSR adds value: you have a client with prior malpractice claims that standard carriers declined, or you’re placing a new telehealth practice with evolving exposures — BSR can source markets and negotiate appropriate coverage. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits physicians, allied health professionals, outpatient facilities, and telemedicine providers — especially those with unique exposures or prior claims history. Is this program available on an admitted basis?No. BSR’s Medical Malpractice program is offered on a non-admitted basis through a selection of specialty carriers. What information is needed to submit a risk?Generally you’ll submit a completed application, five years of loss history, and details on the insured’s operations, licensure, specialties, and risk controls. Can BSR place hard-to-place or declined risks?Yes. BSR specializes in complex and hard-to-place medical malpractice accounts, including those with prior claims or atypical practice profiles. In which states is this program offered?The program is available in over 35 states, including CA, FL, TX, NY, and IL. See the full list above for availability. Need help placing an account? Connect with a market specialist.

Medical Providers Coverage from Bailey Special Risks, Inc. Bailey Special Risks, Inc. offers a unique Medical Providers Coverage program specifically designed to help protect small to mid-sized physician and dental offices from key non-malpractice liabilities. This innovative package policy targets exposures that are often overlooked by standard coverage—namely, employment practices liability, third-party discrimination, and sexual misconduct toward patients. These are some of the most concerning risks for medical offices, and this program brings them together under one streamlined solution. Ideal Accounts and Appetite This program is ideal for small to medium-sized medical or dental practices with fewer than 100 employees and a clean claims history in the relevant coverage areas. Target accounts include: Independent doctor or dentist offices Group practices or outpatient clinics Medical spas with licensed practitioners Accounts should generally have no recent history of employment-related claims, patient discrimination cases, or allegations of sexual misconduct. If the risk falls within the program’s "HIT ZONE" eligibility guidelines, you will receive a quote every time—making this program predictable and efficient for busy agents. Coverage Highlights and Advantages This package policy addresses three high-impact exposures under one roof: Employment Practices Liability Insurance (EPLI): Covers claims related to wrongful termination, harassment, discrimination, and other workplace issues. Third-Party Discrimination: Protects against allegations of discrimination or harassment brought by patients or visitors. Sexual Misconduct Liability: Provides coverage for defense costs and settlements related to allegations of inappropriate conduct toward patients. By bundling these coverages, your clients gain peace of mind and streamlined protection against some of the most damaging claims they could face. Underwriting Notes and Minimum Premiums While there is no published minimum premium, accounts with clean histories and under 100 employees are more likely to qualify for favorable rates. Risks that meet the HIT ZONE criteria receive automatic quotes, making it easy for agents to write more business efficiently. Territories and Availability This program is available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY. It is written on a non-admitted basis through the United States Liability Insurance Group, providing flexibility in underwriting and broader risk acceptance compared to many admitted carriers. Why Work With Bailey Special Risks, Inc.? As a trusted wholesale broker, Bailey Special Risks, Inc. brings deep expertise in niche healthcare exposures and offers exclusive access to this tailored program. With a focus on responsive service and efficient quoting—especially for accounts in the HIT ZONE—BSR helps agents place difficult or underserved risks quickly and confidently. If you have physician or dental practice clients concerned about employment liability, patient discrimination, or misconduct exposures, this program is a smart solution to offer. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized doctor or dentist offices with fewer than 100 employees and minimal or no prior claims in employment practices, discrimination, or sexual misconduct are ideal candidates. What coverages are included in the package?The program addresses employment practices liability, third-party discrimination, and sexual misconduct liability—three key non-malpractice exposures for medical providers. Is this program admitted or non-admitted?This program is written on a non-admitted basis through United States Liability Insurance Group, allowing for greater underwriting flexibility. How can I know if my submission qualifies for an automatic quote?If the risk meets the program’s HIT ZONE eligibility guidelines, you’ll receive a quote automatically. Clean claims history and size criteria are key factors. Which states is this program available in?This program is available in over 35 states, including CA, TX, FL, NY, IL, and many others across the country. Need help placing an account? Connect with a market specialist.

Key Risk Groups: Current ProgramConnect Products: Insurance agents and brokers, real estate agents and brokers, employment agencies, executive recruiters, search firms, temp and temp-to-hire firms, medical billing service firms, claims adjusters, examiners, mortgage brokers, answering services/alarm monitoring companies, convention/tradeshow arrangement service providers, court recorders/stenographers, information retrieval services, interior designers/decorators/space planners (non-structural), land surveyors, management consulting of market appraisal and feasibility studies, marketing consultants/researchers, mailing service providers, medical information service providers, notaries, paging services, printers/printing firms (non-financial), public relations firms/consultants, publishers, telemarketing firms, non-medical testing labs, other non-financial consultants, travel agents. Overview of the Program from AI Risk: AI Risk offers a flexible and comprehensive Miscellaneous Professional Liability program designed specifically for professionals who fall outside traditional categories. With access to AIG as the carrier and availability in all 50 states, this program is ideal for agents and brokers looking to place specialized risks with confidence. Whether your clients are consultants, service providers, or niche professionals, AI Risk understands the unique exposures they face and offers tailored solutions to meet their needs. Ideal Accounts and Appetite: This program targets a wide range of professional service providers, including but not limited to: Insurance and real estate agents/brokers Employment agencies, executive recruiters, temp and staffing firms Medical billing services and claims adjusters Mortgage brokers and financial document processors (non-investment related) Interior designers (non-structural), marketing consultants, public relations firms Notaries, telemarketing firms, publishers, and mailing services You might have a client operating a niche marketing consultancy or a convention planning company—both are excellent fits for this program. Coverage Highlights and Advantages: Miscellaneous Professional Liability written on a “claims-made” basis Coverage tailored with class-specific endorsements and amendments First-dollar defense available for P&C insurance agents and brokers Defense costs are outside the limits of liability Separate limit available for disciplinary proceedings Coverage extends to services rendered over the internet This flexibility allows agents to meet the evolving risk profile of modern service businesses. Underwriting Notes and Minimum Premiums: Minimum premiums typically start at $2,500, but may vary depending on state regulations, selected limits, and the classification of risk. AI Risk uses a class-based underwriting approach to assess and tailor the policy for each insured. Territories and Availability: This program is available in all 50 states and Washington, DC, providing national access for your clients. Whether you write business in California, Texas, New York, or anywhere in between, AI Risk can support your placement needs. Why Work With AI Risk on This Business: As a Managing General Agency and Carrier, AI Risk combines underwriting expertise with direct market access to AIG. Their deep understanding of professional liability exposures in non-traditional classes makes them a valuable partner for agents and brokers seeking a reliable market for hard-to-place risks. With broad appetite, flexible coverage terms, and national availability, AI Risk helps you deliver quality solutions for your clients. Frequently Asked Questions What types of accounts are a good fit for AI Risk’s Miscellaneous Professional Liability program?This program is ideal for non-traditional professional service providers such as consultants, marketing firms, temp agencies, interior designers (non-structural), and real estate or insurance agents. Is this program available nationwide?Yes, the Miscellaneous Professional Liability program from AI Risk is available in all 50 states and Washington, DC. What is the minimum premium for this program?The minimum premium typically starts at $2,500, depending on the state, class of risk, and selected coverage limits. Does the coverage include defense costs?Yes, defense costs are in addition to the limits of liability. First-dollar defense is also available for P&C insurance agents and brokers. Can this program cover services provided online?Yes, the policy includes coverage for professional services rendered over the internet, a key benefit for modern service firms. Need help placing an account? Connect with a market specialist.

We Specialize in Medical Professional Liability Cygnet Underwriting Agency, Inc. offers a robust Medical Malpractice program specifically designed for hard-to-place risks across a wide range of healthcare segments. As a wholesale broker with deep expertise in the medical professional liability space, we provide access to leading non-admitted carriers that specialize in challenging or unconventional accounts. Whether your client is a solo practitioner with prior claims or a facility managing high-risk procedures, we can help you find a competitive and responsive solution. Ideal Accounts and Appetite Our program is built to accommodate a wide spectrum of healthcare providers and facilities, particularly those that are difficult to place in the standard market. We focus on two primary segments: Miscellaneous Medical Facilities and Services Abortion Clinics Air & Ground Ambulance Services Ambulatory Surgery Centers Blood Banks Clinical Testing & Trials Facilities Diagnostic & Imaging Laboratories Dialysis Clinics Home Health & Hospice Providers Urgent Care and Emergi-Centers Substance Abuse Treatment Facilities Organ & Sperm Banks Research and Rehabilitation Centers Hard-to-Place Physicians, Surgeons & Dentists Neurosurgeons and Orthopedic Surgeons (including spine) Cardiac and Thoracic Surgeons OB/GYNs and Bariatric Surgeons Radiologists (including Telemedicine) Invasive Internal Medicine and Gastroenterology Occupational Medicine and Family Practice with claims history If you have clients such as a start-up outpatient surgery center, or a physician with prior losses or gaps in coverage, we have the markets and expertise to help. Coverage Highlights and Advantages Our Medical Malpractice solutions offer flexible and tailored coverage options to meet the unique needs of your healthcare clients. Benefits include: Coverage for individual providers, facilities, and groups Occurrence and claims-made forms available Options for prior acts coverage and extended reporting periods Risk management resources and claims support Access to non-admitted markets with competitive terms Because we focus on hard-to-place risks, we can accommodate accounts that may have been declined elsewhere due to claims history, licensing issues, or unusual operations. Underwriting Notes Each submission is reviewed by experienced underwriters who understand the nuances of medical professional liability. We work with you to gather the right information upfront and advocate for your client’s unique profile. While minimum premiums vary by class and exposure, we aim to deliver flexible pricing for qualified risks. Territories and Availability Our Medical Malpractice program is available in the following states: AZ, CA, CO, CT, GA, ID, IL, IN, IA, KY, MI, NV, NJ, NC, OH, OK, OR, PA, SD, TN, WA, DC, and WI. Why Work With Cygnet Underwriting Agency, Inc.? Cygnet Underwriting Agency, Inc. is a trusted wholesale broker specializing in hard-to-place medical malpractice coverage. Our team brings deep market knowledge, strong carrier relationships, and a commitment to responsive service. We represent top-tier non-admitted carriers in the medical space and are dedicated to helping our retail partners succeed with difficult or distressed accounts. Whether you're looking to place a complex surgical risk or a facility with unique exposures, partner with Cygnet for tailored solutions and expert support. Frequently Asked Questions What types of accounts are a good fit for this program?Our program is ideal for hard-to-place physicians, surgeons, and a wide range of miscellaneous medical facilities, including urgent care centers, dialysis clinics, and research labs. Can you work with clients who have claims history or gaps in coverage?Yes, we specialize in placing accounts that have prior claims, coverage lapses, or other complexities that make them difficult to insure in the standard market. Is this program available on an admitted basis?No, the program is offered on a non-admitted basis through leading specialty carriers. What states is this program available in?We offer this program in AZ, CA, CO, CT, GA, ID, IL, IN, IA, KY, MI, NV, NJ, NC, OH, OK, OR, PA, SD, TN, WA, DC, and WI. How do I submit a risk to Cygnet Underwriting?You can submit via your usual submission process. Our underwriting team will review and guide you through the next steps quickly and professionally. Need help placing an account? Connect with a market specialist.

...ce providers Portable ultrasound, MRI, and CT scan operators Imaging techn...