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Medical Malpractice Errors and Omissions Insurance Alexander J. Wayne & Associates, Inc. provides access to specialized Medical Malpractice Errors and Omissions markets for both standard and hard-to-place medical professionals. As a wholesale broker, we place coverage through top-rated carriers including Lexington, Chartis, James River, Hiscox, Admiral, CNA, Evanston/Essex/Markel, and Lloyd’s of London (domestic and London open market). We work with agents and brokers to secure tailored solutions across a wide range of healthcare exposures. Overview of the Program This program is designed to help agents place medical professional liability for accounts that may be challenged by standard markets due to prior claims, licensing issues, gaps in coverage, or unusual practice operations. We offer both admitted options in select states and broad access to non-admitted specialty markets nationwide. Our underwriting partners understand the nuances of medical malpractice and can often provide flexible terms when traditional carriers decline. Ideal Accounts and Appetite We write a wide spectrum of healthcare classes. Typical accounts include: Physicians with prior claims, disciplinary history, or coverage lapses Therapists, radiologists, and X-ray technicians Independent clinics, laboratories, and outpatient surgery centers Ambulance services, urgent care centers, and mobile medical units Spas and medical spas offering injectables, lasers, or other medical procedures IPAs, HMOs, PPOs, and multi-provider groups We can handle both solo practitioners and larger organizations; however, accounts with extreme regulatory issues or active criminal matters may not be eligible. If you have a higher-risk or unusual operation, contact our underwriting team to discuss options. Coverage Highlights and Advantages Our Medical Malpractice E&O program provides protection against allegations of negligence, errors, or omissions in the delivery of healthcare services. Key advantages for brokers and their clients include: Access to specialty carriers that understand complex medical exposures Flexibility to consider accounts with prior claims, non-renewals, or practice transitions Both admitted and non-admitted placement options depending on state and risk profile Ability to package coverage for individual practitioners and healthcare entities These features make the program a strong option when standard markets produce limited or unfavorable terms. Underwriting Notes and Minimum Premiums Underwriting is performed on a risk-specific basis. Minimum premiums typically start at $2,500 for specified medical professions; miscellaneous healthcare classes may have different minimums depending on exposure and complexity. When submitting, provide complete loss runs, current applications, and information on risk management or credentialing to help secure the best terms. Territories and Availability The program is available in all 50 states and Washington, D.C., with admitted options in some states and non-admitted markets accessible nationwide. Key state markets include CA, FL, NY, TX, and IL, but we can consider risks across the full territory list. Why Work With Alexander J. Wayne & Associates With decades of experience in medical professional liability, Alexander J. Wayne & Associates, Inc. is a trusted wholesale partner for independent agents and brokers. Our strengths include deep carrier relationships, specialty underwriting expertise, and a practical approach to placing difficult risks. We focus on finding workable solutions quickly so you can retain business that might otherwise be declined. Example placements you might bring to us: A solo physician with a prior malpractice claim and a recent gap in coverage seeking tail options and competitive terms. An outpatient clinic expanding into cosmetic procedures that needs coverage for new services and credentialing review. Contact us today to discuss a submission or to connect with a market specialist who can help place Medical Malpractice Errors and Omissions Insurance for your clients. 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 prior 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, though amounts 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.

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.

...e care providers Imaging centers (MRI, CT scan) Medical marijuana operatio...

Medical Providers Coverage from Bailey Special Risks, Inc. Bailey Special Risks, Inc. offers a targeted Medical Providers Coverage program built for small to mid-sized physician and dental offices that need protection for key non-malpractice exposures. This bundled package focuses on often-overlooked liabilities—employment practices, third-party discrimination, and patient-directed sexual misconduct—so you can provide clients with streamlined, practical protection beyond standard professional liability. Ideal Accounts and Appetite This program is intended for independent and group physician or dental practices, outpatient clinics, and medical spas that employ licensed practitioners. It fits best for practices with fewer than 100 employees and a clean claims history in the areas the program covers. Independent doctor or dentist offices Group practices and outpatient clinics Medical spas with licensed clinical staff Accounts with recent employment-related claims, patient discrimination matters, or allegations of sexual misconduct typically do not fit. Risks that fall within the program’s “HIT ZONE” eligibility receive consistent, automated quoting—helping you place renewal and new business quickly. Coverage Highlights and Advantages This package combines three complementary coverages into a single policy to reduce coverage gaps and simplify claims handling: Employment Practices Liability (EPLI): Defense and liability coverage for wrongful termination, harassment, discrimination, retaliation and related workplace claims. Third-Party Discrimination: Coverage for allegations of discrimination or harassment by patients, visitors or other third parties. Sexual Misconduct Liability: Defense costs and settlements for claims alleging inappropriate conduct toward patients. Bundling these exposures helps your clients avoid gaps that can arise when relying solely on general liability or professional liability policies. Underwriting Notes and Minimum Premiums There is no publicly published minimum premium, but the most favorable rates go to accounts with clean histories and under 100 employees. The program’s HIT ZONE criteria drive automated quotes—if a submission meets those guidelines you’ll receive a quote consistently, which speeds placement for routine risks. 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. Policies are issued on a non-admitted basis through United States Liability Insurance Group, giving broader underwriting flexibility compared with many admitted markets. Why Work With Bailey Special Risks, Inc.? As a specialty wholesale broker, Bailey Special Risks, Inc. focuses on niche healthcare exposures and provides agents with direct access to this tailored program. BSR emphasizes responsive service, consistent quoting for HIT ZONE risks, and underwriting experience that helps you place accounts other markets may decline. Use this program when you need a predictable, single-policy solution for employment, third-party discrimination, and sexual misconduct exposures that are not covered by standard professional liability. Example Accounts That Fit You have a private dental office with 12 employees and no employment or patient-related claims in the past five years—this program can provide EPLI plus third-party discrimination and sexual misconduct protection in one package. An outpatient orthopedic clinic with 35 staff and licensed practitioners, seeking a non-malpractice package to address patient discrimination and workplace harassment risk—this market offers streamlined quoting for risks within the HIT ZONE. 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 an automated quote. 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.

...enters, imaging centers (X-ray, CT, MRI, ultrasound) Emergicenters/urgent ...