https://completemarkets.com/company/bsrins/Medical-Providers-Coverage/
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.
https://completemarkets.com/company/kinginsuranceca/Professional-Liability-Insurance/
King Support Systems Insurance Services offers a focused Professional Liability Insurance program designed for small-to-medium businesses in Arizona, California, Nevada, Oregon, and Washington. As a Managing General Agency and Excess & Surplus Lines broker, King Support Systems helps retail agents and brokers place professional liability risks that require specialized underwriting, flexible terms, and access to both admitted and surplus markets.
Target Classes
Insurance Agents — Errors & Omissions (E&O)
Miscellaneous Professional Liability (Misc. E&O)
Home Inspectors
Employment Practices Liability Insurance (EPLI)
Directors & Officers (D&O)
Available Coverages
Claims-made and reported form (standard)
Primary limits up to $4 million aggregate
Up to $3 million excess capacity available
Target Risk Size
Small-to-medium operations and firms
Private and non-profit Directors & Officers exposures
Employment practices risks for growing employers
Independent insurance agents and brokerages
Minimum Premium
Varies by class and state; consult underwriters for program minimums
Excluded Classes
Financial planners and certain investment advisors
IT firms and custom software development companies
Third-party administrators (TPAs)
Professional Liability Insurance
Why Work With King Support Systems
King Support Systems provides retail agents with direct access to a variety of carriers in admitted and non-admitted markets. Their underwriting team focuses on the nuances of E&O, EPLI, and D&O risks and collaborates with agents to structure competitive placements and proper limits for small-to-medium clients.
Whether you need to place an insurance agency seeking E&O, a home inspection business, or a nonprofit board requiring D&O protection, King Support Systems can help you find appropriate coverage and market options to match the exposure.
Territories and Carrier Access
This Professional Liability program is available in Arizona, California, Nevada, Oregon, and Washington. King Support Systems partners with multiple carriers and uses both admitted and surplus lines solutions depending on the class, state, and specific underwriting considerations.
Frequently Asked Questions
What types of accounts are a good fit for this Professional Liability program?This program is best suited for small-to-medium businesses such as independent insurance agencies (E&O), home inspectors, employers seeking EPLI, and private/nonprofit entities needing D&O coverage.
Are there any classes that are not eligible for this program?Yes. The program generally excludes financial planners, IT or custom software development firms, and third-party administrators.
Which states is this program available in?King Support Systems offers this Professional Liability program in Arizona, California, Nevada, Oregon, and Washington.
What coverage limits are available under this program?Primary limits are available up to $4 million aggregate, with up to $3 million of excess capacity available subject to underwriting.
Does the program use admitted or non-admitted carriers?King Support Systems places business through both admitted and non-admitted markets depending on the risk class, state, and required terms.
Need help placing an account? Connect with a market specialist.