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Overview of the D&O Public Program from ExecutivePerils, Inc. ExecutivePerils, Inc. offers the D&O Public program to help you place directors & officers and employment practices liability for publicly held entities and other organizations with public exposures. Backed by a broad carrier network (ExecutivePerils is appointed with over 35 insurance companies), this program pairs flexible coverage options with enhanced market access to protect executives, boards and the corporate entity. Ideal Accounts and Appetite Publicly traded companies across small- and mid-cap segments Private companies preparing for IPO or with imminent public filings Organizations that need combined D&O and Employment Practices Liability (EPL) placements Non-profit 501(c)(3) board service exposures (automatic coverage for service on nonprofit boards) Typical accounts fit a range of revenue and employee sizes; underwriters favor firms with controlled governance, clear employment practices, and manageable litigation history. The program also supports stand-alone D&O placements and optional fiduciary liability extensions for retirement plan exposures. Coverage Highlights and Advantages Separate limits for Directors & Officers Liability and Employment Practices Liability EPL defense costs provided outside the limit of liability for firms with up to 200 employees Unlimited extended reporting period for former directors and officers Occurrence-form protection to address certain claim timing concerns EPL wrongful act coverage that lists 12 named perils, including claims arising from internet use and third-party sexual harassment Optional third-party discrimination coverage when EPL is purchased Automatic entity coverage included in both the D&O and EPL coverage parts Full prior-acts coverage and punitive damages where insurable by law Spousal extension and automatic coverage for service on nonprofit 501(c)(3) boards Underwriting Notes Underwriters will review governance practices, financial condition, regulatory or securities exposures, employment practices, and prior claim or litigation history. The program accommodates both combined D&O/EPL placements and stand-alone D&O policies. Optional features such as fiduciary liability and third-party discrimination can be added when appropriate. Key underwriting observations: EPL defense costs outside the limit apply for employers with up to 200 employees — this can materially reduce erosion of limits on smaller accounts. Unlimited extended reporting periods for former directors & officers are available, which is attractive for companies with board turnover or M&A activity. Full prior acts coverage is included, simplifying placements for clients converting from other carriers. Example Account Scenarios You have a public technology company with 150 employees facing heightened employment exposure after a workforce reduction. This program’s EPL features (defense outside the limit and broad wrongful-act perils) can help preserve limits for securities exposures. You’re placing D&O for a small public retailer preparing for an IPO. The occurrence-form protection, unlimited extended reporting for former officers, and optional fiduciary extension address pre- and post-IPO risks. Territories and Availability 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, WY. Why Work with ExecutivePerils, Inc. on D&O Public Deep carrier access: appointed with 35+ markets to place diverse public-company risks. Program flexibility: modular options let you tailor D&O, EPL, fiduciary and entity coverages for each account. Agent-focused service: underwriting teams experienced in public company exposures and IPO transitions. Claims-conscious wording: full prior acts and unlimited extended reporting provide continuity for clients moving between markets. Frequently Asked Questions What types of public companies are a good fit for this D&O Public program?Small- to mid-cap public companies, private firms preparing for an IPO, and organizations with standard governance and manageable litigation history are primary targets. The program also supports non-profit board service exposures. How does the EPL defense costs outside the limit work?For firms with up to 200 employees, EPL defense costs are paid outside the limit of liability, which preserves the limit for indemnity payments and securities exposures. Confirm employee counts with underwriters during submission. Is prior-acts coverage included?Yes — the program includes full prior acts coverage, helping ensure continuity when a client is switching carriers or renewing with new terms. What optional extensions are available?Options include stand-alone D&O, fiduciary liability extensions, and third-party discrimination when EPL is purchased. Availability and limits depend on carrier appetite and account specifics. Which states can I submit risks from?This program is available in the full list of states shown in the storefront (including the District of Columbia). Check with underwriting for any state-specific filing or form requirements. Need help placing an account? Connect with a market specialist.

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.