Workplace Violence Coverage from Bailey Special Risks, Inc.
Bailey Special Risks, Inc. (BSR) offers a workplace violence coverage program designed for agents placing accounts that face the real risk of violent incidents on or off premises. This program provides fast-response resources and tailored coverage options to help your clients manage immediate crisis costs and longer-term exposures. Coverage is written with access to Lexington Insurance Company and is available through BSR as a wholesale broker.
Overview of the Program
This workplace violence solution combines financial protection with crisis-management services. In the event of a violent incident — whether the perpetrator or victim is an employee, customer, vendor, or third party — the program helps insureds contain reputational harm, meet urgent expenses, and get professional assistance to stabilize operations.
Coverage Highlights and Included Services
Coverage can be tailored to fit individual accounts. Typical services and coverages available under the program include:
- Public relations interface to manage media and stakeholder communications
- Independent investigation and incident documentation
- Security services and emergency site management
- Threat assessment and mitigation planning
- Law enforcement liaison and coordination
- Psychiatric counseling and employee assistance
- Additional expenses such as temporary relocation, increased security, or business interruption-related costs
Ideal Accounts and Appetite
BSR’s workplace violence program fits clients who have heightened public-facing or high-stress exposures. Typical target classes include:
- Retail and shopping centers
- Restaurants, bars, and nightlife venues
- Healthcare facilities, clinics, and behavioral health providers
- Educational institutions and childcare providers
- Property managers and multi-tenant commercial buildings
- Financial institutions, government facilities, and social service organizations
Accounts with previous severe incidents, poor security controls, or active criminal threats will require more detailed underwriting and loss-control recommendations. High-risk exclusions or additional terms may apply depending on the facts and the carrier’s underwriting.
Underwriting Notes
Underwriting evaluates recent loss history, existing security and emergency-response plans, employee screening and training, site layout, and public access controls. BSR works with agents to gather required submission materials — incident reports, security assessments, and continuity plans — to expedite placement with Lexington Insurance Company. Pricing and terms are underwritten on a per-risk basis; additional underwriting requirements may apply for higher-exposure locations.
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, WA, WV, WI, WY. Availability and specific coverages may vary by state and by carrier rules.
Why Place This Business With Bailey Special Risks
As a wholesale broker focused on specialty property and casualty placements, BSR combines market access with hands-on claim-avoidance services. For agents, that means:
- Direct access to Lexington Insurance Company for tailored placements
- Consultative underwriting support to prepare clean, complete submissions
- Rapid response orientation — both in policy terms and crisis services — to reduce client downtime after an event
- Practical loss-control recommendations to help clients qualify for more favorable terms
Example Scenarios
You might have a client who operates a multi-location retail chain that needs a program to cover staff counseling, emergency security, and PR management after an incident at a busy store. Or you could place a municipal client that wants coverage for threats against employees and coordinated law-enforcement liaison services. Both are the kinds of accounts BSR evaluates for this program.