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Overview of the Program from Kaigler & Company Kaigler & Company offers a Miscellaneous Medical Professional program designed for small medical practices and new facility set-ups that lost coverage due to a recent carrier non-renewal. This market provides access to Lloyd’s and select domestic carriers and is positioned for straightforward primary care and other lower-to-moderate-exposure medical specialties. We provide underwriting flexibility for submissions that have a solid application and clean loss history, and we will require Kaigler & Company’s application to bind coverage. Ideal Accounts and Appetite Preferred: General practitioners (GPs), family physicians, and internists—single-provider or small group practices. Good fit: Clinic-based specialties without high surgical exposure, outpatient-only practices, urgent care centers with low surgical procedures. Case-by-case: Certain specialty clinics and multi-specialty groups—submit for review. Declined: OB/GYN, orthopedic surgery, and neurosurgery (neuro) – these specialties are not accepted in this program. Coverage Highlights and Advantages Access to Lloyd’s and other domestic carriers who will consider accounts displaced by larger carriers’ non-renewals. Underwriting willing to review “good” applications already completed by brokers; saves time on indications. Competitive terms for lower-exposure providers and new facility set-ups when underwriting criteria are met. Focus on placing professional liability (medical professional) coverage tailored to outpatient and clinic exposures. Underwriting Notes and Binding We can indicate terms from an existing, fully completed application you have already prepared. That indicated offer is preliminary—Kaigler & Company requires our own application to bind coverage. Typical underwriting considerations include practice location, claims and disciplinary history, scope of services, number of providers, and any surgical exposure. Clean applications with complete documentation are handled more quickly. Please disclose prior carrier non-renewals and the reason when available; non-renewals due to carrier-wide underwriting changes can often be placed if the practice meets the program’s appetite. Territories and Availability This program is available in the following states and districts: 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, WY. Availability and terms will vary by carrier and state—submit to Kaigler & Company for state-specific eligibility and filings. Why Work with Kaigler & Company on Miscellaneous Medical Professional Business Specialized focus on displaced and newly established medical practices that need a fast, practical placement. Direct access to Lloyd’s and select domestic carriers that can respond to non-renewal situations. Practical underwriting that leverages a well-prepared application to speed indications while retaining Kaigler & Company’s binding requirements. Responsive broker support for submission preparation and carrier negotiation. Example scenarios where this program fits: you have a client who is a solo internist whose account was non-renewed when a large carrier exited a regional book—Kaigler & Company can evaluate and often place such risks. Or a new community clinic started by a group of family physicians that needs primary professional liability coverage for outpatient services. Frequently Asked Questions What types of accounts are a good fit for the Miscellaneous Medical Professional program?Primary care physicians (GPs, family practice, internists), outpatient clinics, and low-surgical-exposure specialties are preferred. Each submission is reviewed case-by-case; OB/GYN, orthopedic surgery, and neurosurgery are not eligible. Can you use an existing application to get an indication?Yes. If you’ve completed a thorough application, we can use that information to provide an indication. Final binding requires Kaigler & Company’s application and carrier-specific underwriting approval. How do you handle prior carrier non-renewals?We will review non-renewals. If the non-renewal was part of a broader carrier action rather than due to provider-specific conduct or claims history, the account may still be eligible—full disclosure and documentation help expedite review. Are there state restrictions or filing differences?Availability and terms vary by state and carrier. This program is offered in the states listed above; contact Kaigler & Company for state-specific eligibility and any admitted/non-admitted options. What information speeds the underwriting process?Provide a complete application, current loss runs, state licensing and disciplinary history, scope of services, and information about any procedures performed. A clear, accurate submission will get a faster indication and binding process. Need help placing an account? Connect with a market specialist.

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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.

Mercator Risk Services, offered through Preferred Concepts LLC, provides customized professional liability solutions for a wide range of consultants and miscellaneous professionals. This program is built for hard-to-place, unusual, or specialized risks that often fall outside traditional coverage options. Whether your client operates in a niche industry or delivers a unique mix of services, Mercator’s underwriting team can help secure tailored protection. Ideal Accounts and Appetite This program is suitable for consultants and professional firms across more than 60 classes, including accounts with mixed or complex exposures. Mercator Risk Services has an appetite for accounts that are challenging due to operational complexity, regulatory sensitivity, or specialized service offerings. Representative classes include: Benefit Administrators Claims Adjusters / TPAs Computer / EDP Services Collection Agencies Consultants (all types) Customs / Freight Brokers Designers Flood Insurance Data Providers Independent Testing Labs Inspection Services IT Professionals Legal Service Providers Marketing Research Organizations Medical Billing or Research Firms Meeting Planners Property Managers Real Estate Related Services Regulatory Compliance Advisors Tax Preparers Technology Accounts Telecom Site Services If your client fills a hybrid role—such as combining IT consulting with compliance advisory—this program can accommodate mixed exposures with tailored underwriting solutions. Coverage Highlights and Advantages Mercator’s professional liability coverage is structured to address the specific risks associated with professional services. Policies can include enhancements and endorsements to match an insured’s services and likely claim scenarios. Typical coverages and add-ons include: Errors & omissions arising from professional advice or services Claims related to data security, privacy incidents, or technology failures Regulatory and compliance-related exposures Coverage for mixed or evolving professional service offerings Each submission is underwritten on its own merits so coverage and limits are aligned with the client’s operations and risk profile. Underwriting Notes and Minimum Premiums Mercator specializes in hard-to-place and distressed accounts, making them a go-to when standard markets decline or cannot accommodate an exposure. They consider new risks, unique operations, and accounts with prior claims. Minimum premiums vary by class and exposure and are determined case-by-case through underwriting review. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. Coverage is offered on a non-admitted basis through various carriers, providing flexibility for specialized and emerging risks. Why Work With Preferred Concepts LLC and Mercator Risk Services Preferred Concepts LLC connects agents and brokers with Mercator’s specialized underwriting expertise. Access to multiple carriers and a demonstrated appetite for difficult accounts lets you place unconventional professional liability risks that many admitted markets will not accept. The partnership emphasizes personalized service, pragmatic underwriting, and creative solutions to keep business placed. Common examples you might encounter: A small IT firm that also provides regulatory compliance advice and needs a single professional liability policy covering both technology and advisory exposures. An independent testing lab with a limited claims history but a unique testing procedure that traditional carriers view as non-standard. To learn more, visit the full program page at Preferred Concepts LLC – Miscellaneous Program or contact the market for submission instructions and application requirements. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for consultants and miscellaneous professionals across more than 60 classes, especially those with unique, complex, or hard-to-place exposures. Can this program handle accounts with prior claims or distressed histories?Yes. Mercator Risk Services specializes in hard-to-place and distressed risks and will consider accounts with prior claims on a case-by-case basis. Is the coverage available in all states?Yes. This program is available in all 50 states and Washington, D.C., and is offered on a non-admitted basis through various carriers. What types of coverage enhancements are available?Policies can be tailored with endorsements to address data breaches, regulatory exposures, mixed service operations, and other specialized risks relevant to the insured’s services. How do I submit a risk for consideration?Contact Mercator Risk Services via the Preferred Concepts submission channels, or visit the program page to access applications and submission guidelines. Need help placing an account? Connect with a market specialist.

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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.

Comprehensive Healthcare Facilities Insurance from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a Healthcare Facilities Insurance program to help agents place outpatient and non-hospital medical operations. As an experienced Excess & Surplus Lines broker, Continental Risk provides market access to A-rated carriers and tailored solutions for facilities that present unique professional liability, general liability, and property exposures. Ideal Accounts and Target Classes This program is designed for outpatient and non-hospital healthcare facilities that need combined professional and general liability protection, plus property where applicable. Typical classes include: Independent clinics Diagnostic imaging centers Outpatient surgery centers Medical laboratories Urgent care centers Pharmacies Similar outpatient healthcare facilities Example fits: you might have a client opening a multi-site urgent care chain, or a diagnostic lab expanding equipment and staffing—both are the kind of risks this program targets. This program is generally not intended for inpatient hospitals, long-term acute care facilities, or facilities with high-risk cosmetic surgical practices; please confirm unique exposures with underwriters. Coverage Highlights and Advantages Continental Risk packages flexible coverages to address common and complex exposures for outpatient providers. Available coverages include: Professional Liability – defense and indemnity for malpractice and errors & omissions by clinical staff. General Liability – premises, slip-and-fall, product and Completed Ops exposure. Excess Liability – higher limits that sit above primary policies for catastrophic loss scenarios. Property – buildings, equipment, and contents (available up to $5,000,000 Total Insured Value). Standard primary limits typically offered are $1,000,000 per occurrence / $3,000,000 aggregate for General and Professional Liability, with Excess Liability available up to $5,000,000. Property TIV is available up to $5,000,000 where admitted or non-admitted placement is appropriate. Underwriting Notes and Minimum Premiums Continental Risk works through a mix of admitted and non-admitted markets depending on state rules and risk characteristics. Minimum premiums vary by class and exposure; underwriting flexibility is available to accommodate both standard and harder-to-place accounts. To expedite quotes, agents should provide complete submissions including loss history, detailed descriptions of operations, staff credentials and licensure, lease or ownership information for premises, and current insurance schedules where applicable. Territories and Availability The program is available in most U.S. states. Territories include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, 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, WY. Please confirm state-specific availability before submission. Why Work With Continental Risk / Continental Marine Insurance Services? As a specialist E&S broker, Continental Risk combines deep underwriting relationships with a market-driven approach to place complex outpatient healthcare risks. Agents benefit from access to A-rated markets, flexible admitted/non-admitted placement, and a team experienced with medical professional and premises liability nuances. Continental Risk aims to move quickly on submissions and provide pragmatic risk placement strategies for multi-location and growing practices. Whether your client is launching a new imaging center or expanding urgent care locations, Continental Risk can help structure limits and coverages to match operational and regulatory needs. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of healthcare facilities qualify for this program?This program focuses on outpatient and non-hospital facilities such as clinics, urgent care centers, diagnostic labs, pharmacies, and outpatient surgical centers. What coverage limits are available for liability and property?General and Professional Liability are commonly offered at $1,000,000 per occurrence and $3,000,000 aggregate. Excess Liability can be placed up to $5,000,000. Property TIV is available up to $5,000,000 depending on the market. Is this program available nationwide?The program is available in most U.S. states. Confirm state-specific availability with Continental Risk before submitting an application. Are both admitted and non-admitted markets used?Yes. Placement may be admitted or non-admitted depending on the state and the individual risk profile. What information is needed to get a quote?Provide a detailed submission including operations description, staffing and licensure, prior loss runs, lease or property details, and any existing insurance schedules to receive an efficient quote and placement. Need help placing an account? Connect with a market specialist.

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