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J.M. Wilson offers access to SBA Bonds (Small Business Administration Bonds) through the SBA Bond Guarantee Program—specifically de...I contact at J.M. Wilson for help with SBA Bonds?Steve Kuykendall is the designated SBA Bond expert and can assist with pro...

... Learn more and see coverages! SBA Bonds For small to mid-size cont..., subcontractors, and those in need of SBA support. Accounts with bond needs u...

... can assist with Contract Bonds and SBA bond programs. Territory and Mark...d other specialty license or fidelity bonds. Can you handle difficult or non-s...

... surety capacity. These quick-turn bonds are underwritten primarily on the app...e size of the bond request. Are these bonds admitted or non-admitted?J.M. Wils...

... have a need for Court and Probate Bonds Sample Classes for Court and Probate Bonds: Administrator Trustee ...d non-admitted carriers and can place bonds on either basis depending on the s...

Primary Personal Umbrella Insurance True umbrella coverage over primary liability limits Limits available up to $5 million Typical underlying requirements: CPL 300 CSL, auto 250/500/100; watercraft 300 CSL or 500 CSL depending on the craft Will accept youthful drivers with 250/500/100 auto limits Will consider applicants with DUIs and alcohol-related violations Applicants over 70 years — no medical required Named insured can be an individual, trust, estate or LLC Will accept ATVs, motorcycles, mopeds, snowmobiles (underlying auto limits 250/500/100) Excess Personal Umbrella Insurance Limits up to $5 million Excess over another carrier’s umbrella Follows the form of the underlying umbrella Target Personal Umbrella Insurance Limits up to $5 million Program designed for high-profile individuals — actors, sports personalities, musicians, and similar exposures Underlying requirements: CPL 300 CSL; auto 500/500/100; watercraft 500 CSL or 500/500/100 Risks with lower underlying limits (250/500/100) may be acceptable in some cases The personal lines team at J.M. Wilson is focused on helping independent agents place personal umbrella business efficiently. A few service and capability highlights: 24-hour turnaround on quotes — most often same day Direct billing available for many personal lines accounts Underwriters available to assist with online rating, phone quotes, coverage questions and financing options Current success with accounts such as dwelling/fire, homeowners (including high-value homes), personal inland-marine (including mini-storage contents), personal umbrella (including higher-risk drivers), and in-home business risks All J.M. Wilson personal lines markets are "A" rated For more information on J.M. Wilson personal lines, visit: www.jmwilson.com Overview of the Program from J.M. Wilson Corp. J.M. Wilson Corp. offers primary, excess and target personal umbrella solutions written through admitted and non-admitted markets to give agents flexible placement options. Limits are available up to $5 million, and the program is designed to handle standard household umbrella exposures as well as higher-profile and higher-risk applicants that need broader capacity than standard markets provide. Ideal accounts and appetite Private individuals and families seeking higher liability limits above homeowners and auto policies High-net-worth or high-profile insureds who need specialized umbrella follow-form coverage Clients with non-standard driver histories (including DUIs or youthful drivers) — subject to underlying limit requirements Households with recreational exposures: boats, ATVs, motorcycles, snowmobiles and in-home business operations Coverage highlights and advantages True umbrella coverage that drops down over primary liability limits when required Flexible underlying limit allowances for primary and excess placements Programs tailored for celebrity/public-figure exposures with enhanced limits and forms Quick turnaround and responsive underwriting — helpful when clients need timely bindable options Underwriting notes Typical underlying limit expectations: CPL 300 CSL; autos generally 250/500/100 or 500/500/100 for target accounts Program is willing to consider youthful drivers and certain driving violations; specific acceptances are determined by underwriting review Named insured may be an individual, trust, estate or LLC — useful for complex ownership or estate planning situations For high-profile target placements, expect higher underlying auto limits and tailored forms J.M. Wilson represents a mix of admitted and non-admitted carriers — placement will depend on state availability and risk characteristics Territories and availability This program is available in: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, WI. Placement options may vary by state based on admitted vs. excess & surplus capacity. Why work with J.M. Wilson on personal umbrella business Market access — multiple admitted and E&S carriers provide flexibility to place non-standard and complex accounts Underwriting support — direct access to experienced underwriters and online rating tools speeds quoting Service-oriented — fast turnaround, direct billing options, and underwriting consultation help you close business Specialized programs — target offerings for high-profile insureds and excess follow-form solutions when primary umbrella exists Example scenarios You have a homeowner with a DUI on their record and recreational watercraft exposure: J.M. Wilson’s primary umbrella may provide $1M–$5M limits with acceptance of certain alcohol-related violations. A local actor needs higher liability limits and follow-form excess coverage over an existing umbrella: J.M. Wilson’s target/excess options can be evaluated to match the underlying forms. Frequently Asked Questions What types of accounts are a good fit for J.M. Wilson’s Personal Umbrella programs?Good fits include private individuals and families needing limits above standard homeowners/auto policies, high-profile or high-net-worth insureds, households with recreational vehicle exposures, and applicants with certain non-standard driving histories who meet underlying limit requirements. What underlying limits are typically required?Typical underlying expectations are CPL 300 CSL and auto limits of 250/500/100 for standard primary umbrella placements. Target and high-profile accounts generally require higher underlying auto limits such as 500/500/100. Exact requirements are verified during underwriting. Are these programs available in my state and are they admitted?The program operates in AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, WI. J.M. Wilson places business through both admitted and non-admitted carriers; placement depends on state rules and the specific risk profile. How quickly can I get a quote or bind coverage?J.M. Wilson aims for a 24-hour turnaround on quotes and most often returns same-day. Underwriters are available for online rating and phone quotes to help expedite submissions. Need help placing an account? Connect with a market specialist.

Sample Classes for Insurance Industry Errors & Omissions Insurance Retail Agents* Wholesale Agents MGA's / MGU's *Agencies where 50% or more of their revenues come from Property / Casualty sources Overview of the Program from J.M. Wilson Corp. J.M. Wilson Corp. offers a specialized Errors & Omissions (E&O) Insurance program designed specifically for professionals in the insurance industry. This program is tailored for independent agents and brokers who serve retail and wholesale insurance operations, MGAs, and MGUs. Whether you’re looking to protect a startup retail agency or a growing MGU operation, this E&O solution delivers flexible, competitive coverage backed by our access to both admitted and non-admitted markets. Ideal Accounts and Appetite This program is best suited for: Retail insurance agencies with at least 50% of revenue from property and casualty lines Wholesale insurance brokerages Managing General Agents (MGAs) and Managing General Underwriters (MGUs) If you have clients who are concerned about professional liability exposures related to the placement or handling of insurance policies, this program can provide the protection they need. For example, you might have a retail agency client that specializes in small commercial lines or a wholesaler working with niche markets—both are strong fits for this offering. Coverage Highlights and Advantages Competitive pricing structure $1MM / $3MM limits of liability $1,000 minimum deductible $1,000 minimum premium Defense costs paid outside the limits of liability Automatic coverage for independent contractors Worldwide coverage, provided the claim is brought in the U.S. or Canada Exclusion for bankrupt insurance companies does not apply to those rated B+ or better Prior acts coverage available Consent to settle provision included Extended reporting period options of 1, 2, 3, or 5 years, regardless of who cancels $25,000 in regulatory action expense coverage with no deductible Underwriting Notes and Minimum Premiums Standard underwriting criteria apply, with consideration given to the size, experience, and loss history of the agency or firm. The minimum premium begins at $1,000, with deductibles starting at $1,000. Prior acts coverage and extended reporting options help accommodate your clients’ evolving liability exposures. Territories and Availability J.M. Wilson offers this program in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We represent a variety of admitted and non-admitted carriers to meet diverse risk profiles and regulatory environments across these territories. Why Work with J.M. Wilson Corp.? As a trusted MGA and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience helping independent agents and brokers find the right markets for complex or hard-to-place risks. Our Insurance Industry E&O program is backed by knowledgeable underwriters, flexible carrier options, and responsive service. Partner with us to help your clients secure the professional liability protection they need—delivered with the efficiency and expertise you expect. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail and wholesale insurance agencies, MGAs, and MGUs—especially those with a strong focus on property and casualty lines. Are independent contractors covered under this policy?Yes, the policy automatically includes coverage for independent contractors working with the insured agency or firm. Is prior acts coverage available?Yes, prior acts coverage is available, subject to underwriting review and eligibility. What is the minimum premium for this program?The minimum premium starts at $1,000, with deductibles also beginning at $1,000. In which states is this program offered?The program is available in AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

Our philosophy at J.M. Wilson is Customers First. At J.M. Wilson, we are committed to empowering independent insurance agents with flexible, responsive personal lines insurance solutions. As a trusted Managing General Agency with decades of experience and access to A-rated markets, we are positioned to help you place a wide variety of personal lines accounts—quickly and confidently. Our dedicated personal lines team specializes in finding the right coverage for your clients, even when risks fall outside of standard market appetites. We work closely with agents to ensure fast turnaround and accurate quoting, while providing hands-on support throughout the entire process. Ideal Accounts and Appetite We are currently seeing success with a broad range of personal lines accounts, including but not limited to: Dwelling/Fire insurance (including seasonal and rental properties) Homeowners insurance (including high-value homes) Personal inland marine (including contents in mini-storage units) Personal umbrella insurance (even for high-risk drivers) In-home business insurance Whether you’re working with a homeowner who needs additional coverage for valuables or a client with a unique personal liability exposure, our team is ready to assist. Coverage Highlights and Advantages Our personal lines program offers several advantages to help you win and retain clients: 24-hour quote turnaround—often same-day Direct bill options available for many personal lines accounts Online rating tools for convenience and speed Phone quotes and expert underwriting support Financing quotes available upon request All carriers we work with are A-rated We are focused on streamlining the quoting and binding process so you can deliver value to your clients with efficiency. Underwriting Notes Our underwriters are approachable, knowledgeable, and eager to help you navigate unusual or complex risks. We can assist with coverage questions, eligibility clarification, and finding solutions for clients who may not qualify for standard market placement. We do not have a set minimum premium, allowing for flexibility across a variety of risk sizes. Contact us for help evaluating specific accounts. Territories and Availability Our personal lines markets are available to agents in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We offer both admitted and non-admitted solutions, depending on the risk and carrier availability in your state. Why Work With J.M. Wilson? As a Managing General Agency with a strong focus on customer service, we’re here to support your agency’s success. Our personal lines team delivers speed, flexibility, and market access, backed by a commitment to helping you place more business with confidence. To learn more about our Personal Lines Insurance program or to start a quote, visit www.jmwilson.com. Frequently Asked Questions What types of accounts are a good fit for J.M. Wilson’s personal lines program?We focus on hard-to-place and specialty personal lines accounts, such as high-value homes, personal umbrella for high-risk drivers, and in-home businesses. How quickly can I expect to receive a quote?We typically provide quotes within 24 hours, and many are completed the same day. Are your personal lines markets admitted or non-admitted?We offer both admitted and non-admitted markets, depending on the risk and state-specific availability. Can you help with personal lines accounts that have been declined by standard carriers?Yes, we specialize in helping agents place accounts that may not qualify for standard market coverage. Do you offer direct billing on personal lines policies?Yes, many of our personal lines accounts are eligible for direct bill through our carriers. Need help placing an account? Connect with a market specialist.

Most business owners take steps to secure their computer systems, but the reality is that no system is fully secure. In today’s interconnected world, cyber threats and unauthorized access to sensitive data can arise from exposures that go beyond technical safeguards. [VIDEO] Erin Herson, Director of Sales & Agency Relations, Answers Agents' Top 4 Most Frequently Asked Questions About Cyber Liability Insurance Top 4 FAQ's: What is Cyber Liability? How much does Cyber Liability Coverage cost? Does Cyber Liability Insurance only cover hacking? How does Cyber Liability respond to social media? Cyber Liability Insurance Program from J.M. Wilson J.M. Wilson offers Cyber Liability Insurance solutions designed to help agents and brokers protect clients from the financial and reputational risks associated with cyber events. As a Managing General Agency and Excess & Surplus Lines Broker, we provide access to both admitted and non-admitted markets to help you place difficult or unique cyber liability risks. From data breaches and ransomware to social media liability and theft of digital assets, our program responds to a broad range of exposures that modern businesses face. With our experienced brokerage underwriters, you’ll receive personalized guidance to help navigate this complex and often overlooked line of coverage. Ideal Accounts and Target Classes Cyber threats can impact nearly every type of business, but our program is especially well-suited for: Insurance Agencies and Brokers Medical Facilities, Clinics, and Telemedicine Practices Retailers (Online and Brick-and-Mortar) Professional Services Firms Payroll and Medical Billing Services Car Dealerships Internet-Based Businesses Laboratories and Blood Centers Whether your client is a rural hospital storing electronic medical records or a small e-commerce retailer managing customer payment data, our Cyber Liability program has flexible options to meet their risk profile. Coverage Highlights Data Breach & Privacy Liability (Third-Party Coverage): Protects against liability from unauthorized access to third-party confidential data. Broad definition of “unauthorized access,” including paper record theft/loss. Includes defense for privacy breach investigations and regulatory claims. Data Breach Loss to Insured (First-Party Coverage): Costs to restore the insured’s data. Reimbursement for theft of money and securities via unauthorized access. Extra expenses incurred during breach recovery. Electronic Media Liability: Coverage for online content involving libel, slander, defamation, or unintentional publication of private data. Infringement of intellectual property such as trademarks and copyrights. Supplementary Payments: Includes breach mitigation costs and reward reimbursements beyond the limits of liability. See Additional Features and 5 Common Myths of Cyber Liability Insurance here. Underwriting and Market Access We represent a number of carriers, both admitted and non-admitted, allowing us to offer flexible solutions to fit a wide range of business models and risk levels. Whether your client is new to cyber insurance or requires high-limit, specialized protection, we can help structure coverage that matches their needs. Available States Our Cyber Liability Insurance program is available to agents and brokers in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, PA, SC, TN, VA, WV, WI Why Work with J.M. Wilson? With decades of experience and a deep understanding of E&S markets, J.M. Wilson delivers more than just access to coverage — we provide the underwriting insight, carrier relationships, and responsive service that agents need to confidently place cyber liability risks. Our team is here to help you and your clients stay protected in an evolving digital landscape. If your customer owns a business, they have a cyber exposure — and J.M. Wilson is your partner in securing the right protection. Frequently Asked Questions What types of accounts are a good fit for this Cyber Liability program?This program is ideal for businesses that store sensitive data, process transactions online, or rely heavily on digital systems. Common classes include medical providers, retailers, insurance agencies, and professional services firms. Can this coverage extend to social media and online content exposures?Yes. The program includes electronic media coverage, which helps protect against claims involving libel, slander, defamation, or accidental disclosure through online platforms. Does this program offer both first-party and third-party coverage?Yes. Coverage includes first-party losses such as data restoration and theft, as well as third-party liability related to breaches of confidential information. Need help placing an account? Connect with a market specialist.

J.M. Wilson offers a flexible and comprehensive Employment Practices Liability Insurance (EPLI) program designed for a wide range of business classes. No matter the size or industry, nearly every employer faces the risk of employment-related claims. Our EPLI solutions help your clients manage these exposures while giving you access to competitive markets and expert underwriting support. Ideal Accounts and Appetite Our EPLI markets are open to: New ventures and startups Accounts with prior or adverse loss history Organizations with fewer than 500 employees Target classes include: Small businesses, especially under 150 employees Auto dealerships Medical and healthcare professionals, including doctors and physicians Law firms Restaurants, hotels, and other hospitality businesses Manufacturers (miscellaneous classes) Contractors and construction-related businesses Whether your client is a new restaurant owner or a growing construction firm with a handful of staff, we can help you secure tailored EPLI coverage to manage their exposures. Coverage Highlights and Advantages Our EPLI program is built to respond to today’s most pressing employment-related risks. Key features include: Claims-made and reported coverage Written on admitted paper (where applicable) Broad “All-Risk” form covering claims such as: Discrimination (age, sex, race, gender) Sexual and workplace harassment Wrongful termination, retaliation, and constructive discharge Failure to promote or demotion Invasion of privacy and defamation Fair Labor Standards Act (FLSA) wage and hour claims – $100,000 sub-limit Vicarious liability for intentional acts Coverage for all employee types Full prior acts standard Limits available up to $5 million Defense outside the limits available Optional third-party coverage Optional cost-in-addition coverage Punitive damages coverage where permitted by law Access to HR Protection risk management services – including unlimited hotline support from attorneys and HR professionals Underwriting and Market Access Our dedicated brokerage underwriters specialize in EPLI and are available to assist with quoting and placing even harder-to-place risks. We work with a variety of carriers, both admitted and non-admitted, allowing us to find solutions for unique or distressed accounts. Territories and Availability This Employment Practices Liability Insurance program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Why Work With J.M. Wilson? As a trusted Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience and deep market access to help you place EPLI coverage with confidence. We understand the evolving employment liabilities your clients face and provide fast, knowledgeable support from quote to bind. Whether you're placing a clean account or one with prior claims, we have the tools and carrier relationships to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?This program is ideal for small to mid-sized businesses across many industries, especially those with fewer than 500 employees. We also consider new ventures and accounts with prior losses. Can you help with hard-to-place or distressed EPLI risks?Yes. We have access to admitted and non-admitted markets and can consider risks with adverse loss history or unique exposures. What coverages are included in the EPLI policy?The policy includes broad "All-Risk" coverage for discrimination, harassment, retaliation, wrongful termination, wage and hour claims (with sub-limits), and more. Optional enhancements are also available. Is third-party EPLI coverage available?Yes, third-party coverage is available as an optional add-on for many accounts. Which states is this program available in?This EPLI program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.