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Professional Liability Solutions from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) is a wholesale broker offering comprehensive Professional Liability (E&O) solutions for non-traditional and specialized professions. With access to multiple non-admitted carriers, BSR helps agents and brokers place accounts that often fall outside standard admitted markets by providing flexible underwriting and tailored policy structures. Ideal Accounts and Target Industries This Professional Liability program is built for both traditional and niche professional classes. Typical accounts include: Miscellaneous professionals — computer consultants, home inspectors, title agents, and other technical or advisory firms whose exposures may not fit standard forms. Medical professionals and services — diagnosticians, technicians, nurses, physicians, surgeons, CRNAs, perfusionists, and laboratories that require specialized liability protection. If your client provides specialized consulting, technical services, or healthcare support, this program offers solutions that can be adapted to those unique exposures. Coverage Highlights and Advantages BSR’s Professional Liability program emphasizes flexibility and carrier access to place both routine and hard-to-place risks. Key advantages include: Coverage tailored to the risk profile of each professional class Access to multiple non-admitted carriers for customized terms Ability to place both standard and specialty professions Support for primary and excess placements where available These options help protect insureds from claims of negligence, errors, and omissions across a range of services and specialties. Underwriting Notes All submissions are individually underwritten. BSR leverages a variety of non-admitted markets to secure capacity and craft policy language for accounts that may not qualify for admitted carriers. There is no stated minimum premium; final pricing depends on class of business, exposure details, limits, and other underwriting factors. Territories and Availability This Professional Liability 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. Why Work With Bailey Special Risks, Inc.? BSR brings decades of specialty insurance experience and broad carrier access, making them a strong partner for placing complex or non-standard professional liability risks. Their underwriting focus and market relationships help you find capacity and structure for accounts that are difficult to place in admitted markets. Example scenarios that fit this program: You have a freelance IT consultant who advises healthcare clients and needs an E&O policy with technology and healthcare exposures considered. A newly formed diagnostic laboratory needs Professional Liability coverage before onboarding clients or signing vendor contracts. For agents who need responsive underwriting and access to specialty carriers, BSR can help structure terms and locate suitable markets. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited for miscellaneous professionals (IT consultants, inspectors, title agents) and medical-related classes (technicians, nurses, physicians, labs) that require tailored E&O protection. Is this coverage placed on an admitted basis?No. BSR’s Professional Liability program is offered on a non-admitted basis through a panel of carriers to increase placement flexibility. Can I submit accounts outside the medical and consulting sectors?Yes. BSR will review a wide range of professional liability risks. Submit the details and their underwriting team will advise on eligibility and market fit. What states is this program available in?The program is available in most states, including CA, TX, FL, NY, IL, and many others. See the full list above for details. Does BSR help with hard-to-place or unusual risks?Yes. BSR specializes in placing unique and hard-to-insure professional liability accounts using its wide carrier access and underwriting expertise. Need help placing an account? Connect with a market specialist.

Overview of the Program From J.R. Olsen Bonds & Insurance Brokers, Inc. J.R. Olsen Bonds & Insurance Brokers, Inc. offers a flexible Errors & Omissions (E&O) insurance program designed for a wide range of professional service firms. As a Managing General Agency with access to 25 different insurance companies, J.R. Olsen places E&O coverage for common professional exposures and harder-to-place classes. This program is intended for agents and brokers who need a reliable market for professional liability risks across many professions and transaction types. Ideal Accounts and Appetite The program is tailored for transactional and advisory professionals who face negligence, omission or error exposures in the performance of professional services. Typical classes we place include: Insurance Agents & Brokers Mortgage Bankers / Brokers Escrow Companies Title Companies and Agents Tax Deferred Exchange Attorneys Travel Agents Medical Malpractice Architects & Engineers For Most All Professions, If Not Shown Here Call If you have a professional client not listed above, this program often can consider submissions—especially where prior coverage, loss history and risk management practices are reasonable. Coverage Highlights and Advantages Access to multiple admitted and non-admitted markets through a single MGA, improving placement options for unusual or mid-sized risks. Standard E&O coverages for negligence, errors, omissions and defense costs; available endorsements and policy features depend on carrier selection. Competitive appetite for both renewal and new-business submissions across many professional classes. Underwriting flexibility for firms with limited prior coverage or unique operations, thanks to multiple carrier relationships. Underwriting Notes and Submission Requirements Underwriting varies by carrier and state. Typical documents requested include a completed E&O application, current and prior loss runs, descriptions of services offered, and any engagement letters or contracts. Common considerations that affect placement: Claims history and pending litigation Fee volume and revenue mix Contractual risk transfer (indemnities, waivers, third-party agreements) Risk management practices, staff qualifications and training Minimum premiums and retentions are carrier- and state-dependent. Because J.R. Olsen works with many markets, minimums will vary—submit the full underwriting package for the most appropriate market match. Territories and Availability This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and admitted/non-admitted options depend on the chosen carrier and state regulations. Why Work With J.R. Olsen on E&O Business MGA specialization — consolidated access to multiple carriers saves time and improves placement success for difficult or niche accounts. Breadth of markets — 25 carrier relationships increase the chance of finding terms appropriate to the client’s risk profile. Practical underwriting — focused on matching exposures to carrier appetite rather than forcing one-size-fits-all solutions. Service orientation — designed to support producers with submission guidance, underwriting feedback and timely quotes. Two example accounts that fit this program A small title agency with steady volume, clean loss history and a need for lender-side endorsements—multiple carriers can be considered to secure competitive terms. An independent insurance agency seeking E&O limits and tailored policy wording after a prior carrier non-renewal—this MGA’s carrier panel increases placement options for agents with prior coverage issues. Frequently Asked Questions What types of professional accounts are a good fit for this program?The program fits professional service firms such as insurance agents and brokers, mortgage brokers, escrow and title companies, attorneys, travel agents, architects, engineers and many other advisory or transactional professions. If a class is not listed, submit the risk—J.R. Olsen can often find a market. Which states is the program available in?The program is available in AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Admitted versus non-admitted options depend on carrier and state rules. What documents are typically required to get a quote?Underwriting commonly requests a completed E&O application, the most recent loss runs, descriptions of services and any sample engagement letters or contracts. More detail may be requested based on the class and carrier selected. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Beauty Insurance PPIB's Beauty Insurance program is designed for agents and brokers placing non-medical personal care accounts. The program focuses on routine salon, spa, and aesthetic services and provides tailored commercial liability solutions for independent cosmetologists, aestheticians, salons, spas, and other beauty professionals. Our Beauty Program offers coverage for the following services: Facials Peels Microdermabrasion Electrolysis LED/Microcurrent Body Wraps, Massage Eyelash Enhancement Foot Detoxification Eyebrow Enhancement Airbrush Tanning Tanning Beds/Booths Hair Nails Needling/Collagen Induction Therapy Hydro Massage Wax Removal Topical Makeup Threading Sugaring Saunas Overview of the Program From Professional Program Insurance Brokerage PPIB administers a focused Beauty Insurance program for non-medical beauty and personal care operations. The program is positioned to give agents a market for a wide range of everyday salon and spa exposures—covering general liability and applicable ancillary products—while offering underwriting that understands the nuances of beauty services. Ideal Accounts and Appetite Independent beauticians, cosmetologists, and licensed aestheticians working in salons or mobile settings. Full-service salons and day spas that provide non-invasive treatments listed above. Small- to medium-sized businesses with typical retail and service revenue streams from beauty treatments. Generally fits: non-medical, non-surgical beauty services performed by licensed professionals. Not intended for medical or surgical cosmetic procedures that require physician oversight or hospital-based services. Coverage Highlights and Advantages Program underwriter familiar with salon/spa exposures and common service categories. Flexible policy forms suitable for individual practitioners and multi-operator salons. Options to address premises and operations, product liability for topical products, and professional liability exposures where applicable. Streamlined submission process for faster quoting on routine accounts. Underwriting Notes and Submission Guidance When submitting to PPIB, provide clear details to speed underwriting decisions: a description of services performed, business location(s), licensing information for service providers, and recent revenue or payroll breakdown by service. Photographs of the premises and information on sanitation/training protocols are helpful. If you have unique exposures, disclose them up front so the program can evaluate appropriate coverages or endorsements. Minimum premium and specific form availability vary—contact PPIB for current thresholds and quote requirements. Territories and Admitted Status Availability: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Admitted status: No States — this program is positioned for non-admitted placements. Please confirm placement options and paper availability with PPIB for each submission. Why Work With Professional Program Insurance Brokerage on Beauty Business Program administrator expertise in niche personal care lines helps place routine and moderately complex beauty risks. Responsive underwriting for common salon and spa class codes—helpful when other markets label accounts as higher risk. Practical guidance on documentation and submissions to improve hit-ratio and speed of binding. Example scenarios: You might have a three-chair day spa offering facials, waxing, and eyelash services seeking combined premises and products coverage; or a solo licensed aesthetician operating mobile appointments looking for general liability and professional coverage. Both are the types of accounts PPIB routinely evaluates. Contact Professional Program Insurance Brokerage (PPIB) for quotes, submission instructions, and placement assistance for your beauty industry accounts. Frequently Asked Questions What types of accounts are a good fit for PPIB's Beauty Insurance program?Accounts that provide non-invasive beauty and personal care services—salons, spas, cosmetologists, aestheticians, nail and hair studios—are a good fit. The program focuses on routine, licensed services rather than medical or surgical procedures. What submission information speeds up underwriting?Provide a list of services performed, number of operators and their licenses, annual revenue by service, description of premises (or mobile operations), and basic sanitation/training practices. Photos and any loss history help underwriters assess quickly. Is this program available nationwide?The program is available in the states and DC listed above. Placement is generally non-admitted; confirm paper availability and any state-specific requirements with PPIB before submission. Are medical or injectable procedures included?No. The program is intended for non-medical beauty services. Procedures that require physician oversight, surgical settings, or injectable medical treatments are typically outside this program's appetite and should be submitted only after prior discussion with PPIB. Need help placing an account? Connect with a market specialist.