Medical Providers Coverage from Bailey Special Risks, Inc.
Bailey Special Risks, Inc. offers a unique Medical Providers Coverage program specifically designed to help protect small to mid-sized physician and dental offices from key non-malpractice liabilities. This innovative package policy targets exposures that are often overlooked by standard coverage—namely, employment practices liability, third-party discrimination, and sexual misconduct toward patients. These are some of the most concerning risks for medical offices, and this program brings them together under one streamlined solution.
Ideal Accounts and Appetite
This program is ideal for small to medium-sized medical or dental practices with fewer than 100 employees and a clean claims history in the relevant coverage areas. Target accounts include:
- Independent doctor or dentist offices
- Group practices or outpatient clinics
- Medical spas with licensed practitioners
Accounts should generally have no recent history of employment-related claims, patient discrimination cases, or allegations of sexual misconduct. If the risk falls within the program’s "HIT ZONE" eligibility guidelines, you will receive a quote every time—making this program predictable and efficient for busy agents.
Coverage Highlights and Advantages
This package policy addresses three high-impact exposures under one roof:
- Employment Practices Liability Insurance (EPLI): Covers claims related to wrongful termination, harassment, discrimination, and other workplace issues.
- Third-Party Discrimination: Protects against allegations of discrimination or harassment brought by patients or visitors.
- Sexual Misconduct Liability: Provides coverage for defense costs and settlements related to allegations of inappropriate conduct toward patients.
By bundling these coverages, your clients gain peace of mind and streamlined protection against some of the most damaging claims they could face.
Underwriting Notes and Minimum Premiums
While there is no published minimum premium, accounts with clean histories and under 100 employees are more likely to qualify for favorable rates. Risks that meet the HIT ZONE criteria receive automatic quotes, making it easy for agents to write more business efficiently.
Territories and Availability
This program is available 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.
It is written on a non-admitted basis through the United States Liability Insurance Group, providing flexibility in underwriting and broader risk acceptance compared to many admitted carriers.
Why Work With Bailey Special Risks, Inc.?
As a trusted wholesale broker, Bailey Special Risks, Inc. brings deep expertise in niche healthcare exposures and offers exclusive access to this tailored program. With a focus on responsive service and efficient quoting—especially for accounts in the HIT ZONE—BSR helps agents place difficult or underserved risks quickly and confidently.
If you have physician or dental practice clients concerned about employment liability, patient discrimination, or misconduct exposures, this program is a smart solution to offer.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Small to mid-sized doctor or dentist offices with fewer than 100 employees and minimal or no prior claims in employment practices, discrimination, or sexual misconduct are ideal candidates.
What coverages are included in the package?
The program addresses employment practices liability, third-party discrimination, and sexual misconduct liability—three key non-malpractice exposures for medical providers.
Is this program admitted or non-admitted?
This program is written on a non-admitted basis through United States Liability Insurance Group, allowing for greater underwriting flexibility.
How can I know if my submission qualifies for an automatic quote?
If the risk meets the program’s HIT ZONE eligibility guidelines, you’ll receive a quote automatically. Clean claims history and size criteria are key factors.
Which states is this program available in?
This program is available in over 35 states, including CA, TX, FL, NY, IL, and many others across the country.
Need help placing an account? Connect with a market specialist.