Medical Providers Coverage from Bailey Special Risks, Inc.
Bailey Special Risks, Inc. offers a targeted Medical Providers Coverage program built for small to mid-sized physician and dental offices that need protection for key non-malpractice exposures. This bundled package focuses on often-overlooked liabilities—employment practices, third-party discrimination, and patient-directed sexual misconduct—so you can provide clients with streamlined, practical protection beyond standard professional liability.
Ideal Accounts and Appetite
This program is intended for independent and group physician or dental practices, outpatient clinics, and medical spas that employ licensed practitioners. It fits best for practices with fewer than 100 employees and a clean claims history in the areas the program covers.
- Independent doctor or dentist offices
- Group practices and outpatient clinics
- Medical spas with licensed clinical staff
Accounts with recent employment-related claims, patient discrimination matters, or allegations of sexual misconduct typically do not fit. Risks that fall within the program’s “HIT ZONE” eligibility receive consistent, automated quoting—helping you place renewal and new business quickly.
Coverage Highlights and Advantages
This package combines three complementary coverages into a single policy to reduce coverage gaps and simplify claims handling:
- Employment Practices Liability (EPLI): Defense and liability coverage for wrongful termination, harassment, discrimination, retaliation and related workplace claims.
- Third-Party Discrimination: Coverage for allegations of discrimination or harassment by patients, visitors or other third parties.
- Sexual Misconduct Liability: Defense costs and settlements for claims alleging inappropriate conduct toward patients.
Bundling these exposures helps your clients avoid gaps that can arise when relying solely on general liability or professional liability policies.
Underwriting Notes and Minimum Premiums
There is no publicly published minimum premium, but the most favorable rates go to accounts with clean histories and under 100 employees. The program’s HIT ZONE criteria drive automated quotes—if a submission meets those guidelines you’ll receive a quote consistently, which speeds placement for routine risks.
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.
Policies are issued on a non-admitted basis through United States Liability Insurance Group, giving broader underwriting flexibility compared with many admitted markets.
Why Work With Bailey Special Risks, Inc.?
As a specialty wholesale broker, Bailey Special Risks, Inc. focuses on niche healthcare exposures and provides agents with direct access to this tailored program. BSR emphasizes responsive service, consistent quoting for HIT ZONE risks, and underwriting experience that helps you place accounts other markets may decline.
Use this program when you need a predictable, single-policy solution for employment, third-party discrimination, and sexual misconduct exposures that are not covered by standard professional liability.
Example Accounts That Fit
- You have a private dental office with 12 employees and no employment or patient-related claims in the past five years—this program can provide EPLI plus third-party discrimination and sexual misconduct protection in one package.
- An outpatient orthopedic clinic with 35 staff and licensed practitioners, seeking a non-malpractice package to address patient discrimination and workplace harassment risk—this market offers streamlined quoting for risks within the HIT ZONE.
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 an automated quote. 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.