Commercial General Liability Program from Bailey Special Risks, Inc.
Bailey Special Risks, Inc. (BSR) offers a comprehensive Commercial General Liability (CGL) insurance program designed to help agents and brokers place liability coverage for a wide variety of businesses. As a wholesale broker with deep market access and underwriting expertise, BSR can assist with both standard and hard-to-place risks, ensuring your clients get the coverage they need to protect against operational and premises-related exposures.
Whether you're working with a small retail shop, a regional restaurant chain, or a multi-location manufacturer, BSR can help you secure tailored general liability solutions. We specialize in solving placement challenges for risks that may be declined elsewhere due to complexity or unique operational characteristics.
Ideal Accounts and Appetite
BSR targets a broad range of businesses across multiple industries, including but not limited to:
- Bars, Taverns, Restaurants, and Private Clubs
- Beauty Salons, Nail Salons, and Barber Shops
- Business Owners and Retail Establishments
- Commercial and Residential Child Care Centers
- Convenience Stores, Delis, Grocery, and Liquor Stores
- Fitness Centers and Gyms
In addition, BSR offers supplements to Acord applications for specific classes such as:
- Dance, Language, and Music Schools
- Electronics Stores
- Fast Food Establishments
- Habitational Risks (e.g., apartments, rental properties)
- Laundromats
If you have a client with a niche operation or prior losses, BSR may still be able to help. We understand that not all risks are straightforward, and we work with agents to find solutions that fit.
Coverage Highlights and Advantages
BSR’s Commercial General Liability program provides broad liability protection for bodily injury, property damage, personal and advertising injury, and more. Policies can be customized to meet specific business needs, and optional coverages or endorsements may be available depending on the class and carrier.
As a wholesale broker with access to United States Liability Insurance Group and other markets, we provide agents with flexibility and speed in the quoting process, even for complex or distressed accounts.
Underwriting Notes and Minimum Premiums
Due to the diversity of eligible classes, underwriting requirements vary by risk type. While there is no fixed minimum premium stated, we encourage agents to submit full applications and supplements to receive an accurate quote and underwriting review. Our team is available to help you identify the right forms and information needed for each submission.
Territories and Availability
BSR’s CGL program 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, Inc.?
With decades of experience and strong carrier relationships, Bailey Special Risks is a trusted partner for agents looking to place general liability and other commercial lines. Our team understands the nuances of tough classes and places a premium on responsive service and underwriting support. From standard main street businesses to challenging risks, BSR helps you find the right fit for your clients’ liability needs.