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Commercial Watercraft Insurance Program from J.M. Wilson If you place commercial watercraft accounts, J.M. Wilson offers a flexible, market-focused Commercial Watercraft Insurance program. As a General Agency and Excess & Surplus Lines broker, we provide access to a broad panel of admitted and non-admitted carriers to help you place both standard and hard-to-place marine risks. Whether the account is a single commercial fishing boat, a seasonal rental fleet, or a high-speed charter operation, our underwriting relationships and program tools can help you secure coverage. Ideal Classes and Account Types Runabouts and commercial fishing vessels Cruisers, houseboats, and sailboats used commercially Pontoon, tritoon and inflatable watercraft (including rentals) Personal watercraft (PWC), high-performance vee and catamarans Hovercraft and airboats Homemade, kit-built, and mini sport boats Storage, transit, salvage and repair facilities Seasoned yachts and commercial marine units Rental units and small charter operations You might have a client who rents pontoon boats for summer weekends, or a marina that operates a handful of high-speed charter vessels. J.M. Wilson’s program can help you find admitted or non-admitted capacity for both scenarios, subject to underwriting. Coverage Features and Highlights Available for watercraft with speeds up to 120 mph (subject to underwriting) Multiple settlement options to fit different risk profiles Accepts a range of higher-risk operations with appropriate underwriting Diminishing deductible feature available for risks with speeds = 65 mph Broad navigational territory options No layup restrictions for seasonal use in many cases Optional coverage for primary fishing equipment and boat lifts Note: Not all features are available for every risk. Underwriting review applies. Discount Opportunities Multi-unit and fleet policies Operator experience and training Use of approved safety and navigation equipment Diesel-fueled craft eligibility Outboard propulsion systems Primary operators aged 40 and older Territory and Availability This program is available in the following states: AL, AZ, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Depending on the account and jurisdiction, both admitted and non-admitted options may be available. Underwriting Notes and Placement Guidance Underwriting review is required for higher-speed craft, rental operations, and non-standard or kit-built vessels. Provide complete loss history, operator experience, and details on safety equipment and maintenance practices to speed placement. For fleet accounts, compile unit schedules, typical operating territory, and any training or screening procedures for operators. Why Work with J.M. Wilson? With decades of experience in the E&S and general agency space, J.M. Wilson brings specialized marine underwriting knowledge and broad carrier access. Our team focuses on practical solutions for complex accounts—combining admitted and non-admitted options to help you place accounts other markets may decline. From submission intake to binding and policy issuance, we support brokers with responsive underwriting and market placement tools. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for commercial clients who own or operate watercraft such as fishing boats, rental pontoons, high-speed vessels, and small charter operations. Can you write high-performance or high-speed watercraft?Yes. Coverage is available for watercraft that operate at speeds up to 120 mph, with specific underwriting guidelines applied based on vessel type and use. Are rental operations eligible?Yes. Rental units and rental operations are eligible under this program, subject to underwriting approval and documented operator screening and safety measures. Is this program admitted or non-admitted?We can offer both admitted and non-admitted options depending on the risk profile and state regulations; availability is determined during underwriting. In which states is this program available?We currently offer this program in AL, AZ, 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.

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.

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.

Excess Cargo Insurance Program from J.M. Wilson When standard markets are unable or unwilling to offer higher cargo limits, J.M. Wilson provides a reliable solution with our Excess Cargo Insurance program. Designed for transportation risks requiring additional protection beyond what is offered in a standard cargo policy, this coverage helps agents meet the needs of clients with high-value cargo exposures. Ideal Accounts and Appetite This program is ideal for trucking operations and freight carriers who already have a primary cargo policy in place but need to increase their coverage limits to satisfy shipper contracts or internal risk management requirements. You might have a client hauling electronics, pharmaceuticals, or other high-value goods that exceed standard policy limits — that’s where our Excess Cargo Insurance can step in. Coverage Highlights and Advantages Provides higher cargo limits in excess of the insured’s primary policy Follows the form of the underlying cargo policy for seamless coverage alignment Backed by an 'A' rated carrier for financial strength and reliability Competitively priced to help your clients manage costs while increasing protection Underwriting Notes To be eligible for this Excess Cargo Insurance, insureds must already carry a primary cargo policy through a standard market. The excess coverage is designed to layer on top of that policy. J.M. Wilson works with a wide range of admitted and non-admitted carriers to help you find the right fit based on the specific risk profile of your client. Territories and Availability Our Excess Cargo Insurance program is available in the following states: GA, IL, IN, KS, KY, MI, MS, MO, OH, PA, SC, TN, WV, and WI. J.M. Wilson’s regional expertise allows us to respond quickly to market needs across the Midwest and Southeast. Why Work With J.M. Wilson? J.M. Wilson is a trusted Managing General Agency and Excess & Surplus Lines Broker with decades of experience helping independent agents access specialty markets. We represent a variety of carriers, both admitted and non-admitted, and our team is committed to responsive service and knowledgeable underwriting support. Whether your client is expanding operations or facing new contractual requirements, we can help you place the excess cargo coverage they need. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that already have a primary motor truck cargo policy but need higher cargo limits due to shipper requirements or high-value loads are ideal. Examples include electronics haulers, pharmaceutical transporters, and specialty freight carriers. Does the insured need to have a primary cargo policy in place?Yes, this is an excess policy that requires the insured to carry a primary cargo policy through a standard carrier. Is the coverage admitted or non-admitted?This program is written through non-admitted carriers. J.M. Wilson works with both admitted and non-admitted markets to find the best fit for each risk. What states is the program available in?The program is currently available in GA, IL, IN, KS, KY, MI, MS, MO, OH, PA, SC, TN, WV, and WI. What are the key advantages of this program?It offers higher cargo limits, follows the form of the underlying policy, is competitively priced, and is backed by an 'A' rated carrier for financial strength. Need help placing an account? Connect with a market specialist.