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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.

...ty: Coverage includes Directors & Officers (D&O), Employment Practices Liabili...

... independent Title Agents, Escrow Officers, and small to mid-sized agencies fo...ram?Independent Title Agents, Escrow Officers, and small to mid-sized agencies...

Policy Highlights: Colonial General Insurance Agency, Inc. offers Accountants Professional Liability Insurance tailored to meet the needs of accounting professionals and firms of all sizes. Overview of the Program From Colonial General Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers, providing flexible solutions for accountants' professional liability exposures. This program is designed to help independent agents place coverage for accounting firms facing risks related to errors, omissions, or negligence in the performance of professional services. Whether your client is a sole practitioner or a mid-sized accounting firm, Colonial General can help you find the right fit. Ideal Accounts and Appetite This program is suited for a broad range of accounting professionals, including: Certified Public Accountants (CPAs) Bookkeepers and tax preparers Small to mid-sized accounting firms Firms providing audit, consulting, or advisory services Accounts with a clean loss history and a focus on traditional accounting services are typically a strong fit. Higher-risk exposures such as forensic accounting or investment advisory services may require additional underwriting. Coverage Highlights and Advantages Colonial General’s Accountants Professional Insurance program provides protection against claims alleging negligence, errors, or omissions in the delivery of professional accounting services. Key features include: Limits available starting at $100,000/$300,000 Various deductible options to suit different risk appetites First Dollar Defense available depending on carrier approval Claims Expense Outside the Limits may be offered based on carrier discretion Coverage terms and premiums will vary depending on the carrier and specific risk profile of the insured. Underwriting Notes and Minimum Premiums Each submission is underwritten based on the size, scope, and services of the accounting firm. Clean operations with clearly defined service offerings and low claims frequency are typically easier to place. While minimum premiums are not specified, competitive pricing is available for qualifying risks through Colonial General’s carrier network. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has access to both admitted and non-admitted markets, depending on the specific risk and jurisdiction. Why Work With Colonial General With deep expertise in professional liability and access to a variety of national and regional carriers, Colonial General provides agents with responsive service and flexible options for placing hard-to-place or niche accounting risks. Their team understands the unique exposures faced by today’s accounting professionals and works closely with agents to deliver tailored coverage solutions. Learn more about Colonial General Insurance Agency, Inc. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for CPAs, bookkeeping firms, tax preparers, and small to mid-sized accounting firms providing traditional accounting services. Are First Dollar Defense and Claims Expense Outside the Limits included?These features may be available depending on the carrier and underwriting review. Availability is determined on a case-by-case basis. Can this program cover firms with prior claims?Firms with prior claims may still be eligible, but underwriting will evaluate the severity, frequency, and nature of past claims before making a decision. In which states is this program available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What documentation is needed to submit an account?Typically, an application, firm brochure or website, and loss runs (if applicable) are required. Additional documents may be requested based on the submission. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Mobile X-ray and Imaging Insurance program designed for businesses providing portable diagnostic imaging services. Whether your client is servicing nursing homes, assisted living facilities, correctional institutions, rehab centers, or homebound patients, this program offers tailored coverage solutions backed by A.M. Best A+ rated carriers. Overview of the Program From Colonial General Insurance Mobile X-ray and portable imaging businesses face unique liabilities as they operate outside traditional healthcare facilities. Colonial General understands this niche and provides access to flexible insurance options through top-rated carriers. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General helps agents like you place hard-to-insure risks with reliable markets. Ideal Accounts and Appetite Target classes for this program include: Mobile X-ray service providers Portable ultrasound, MRI, and CT scan operators Imaging technicians servicing long-term care facilities, surgical centers, and correctional institutions This program is ideal for accounts that deliver diagnostic services on-site at nursing homes, rehabilitation hospitals, adult assisted living residences, and private homes. If you have a client expanding into mobile diagnostics or starting a new venture with portable imaging, this program can help secure the right coverage. Coverage Highlights and Advantages Coverage options vary by carrier, but may include: Professional Liability (Medical Malpractice) General Liability Commercial Auto (for transport vehicles) Property and Inland Marine (for mobile equipment) Workers’ Compensation (in select markets) Colonial General works with carriers that understand the exposures involved in operating sensitive diagnostic equipment in variable environments. This ensures comprehensive protection for your insureds, whether they operate a fleet of mobile units or a single portable device. Underwriting Notes and Minimum Premiums Coverages and premiums will vary based on the carrier and the specific risk characteristics of the account. Underwriters will review operational scope, number of units, technician credentials, service areas, and claims history. While no fixed minimum premium is listed, this program is best suited for accounts with professional operations and clear risk management procedures. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some admitted markets are available depending on the state and coverage needs. Non-admitted options are also accessible for more complex or high-risk accounts. Why Work With Colonial General Insurance Agency Colonial General has deep experience placing specialty healthcare and niche liability risks. Their team offers responsive underwriting support, access to top-tier carriers, and solutions tailored to the mobile healthcare space. If you’re an agent or broker looking for a reliable partner to place mobile imaging business, Colonial General is ready to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this Mobile X-ray and Imaging Insurance program?This program is ideal for businesses providing mobile diagnostic imaging services to nursing homes, assisted living facilities, correctional institutions, and homebound patients. What coverages are typically available under this program?Coverage options may include General Liability, Professional Liability, Commercial Auto, Property/Inland Marine for equipment, and Workers’ Compensation depending on the carrier and state. Which states is this program available in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Does this program offer admitted or non-admitted coverage?Some admitted markets are available; however, non-admitted options are also accessible depending on the risk and location. What information is required for underwriting?Underwriters typically look for operational details, technician qualifications, number and type of mobile units, service locations, and any prior claims history. Need help placing an account? Connect with a market specialist.

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