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/environmentalunderwritingsolutions/environmental-engineers-consultants-contractors-insurance/
Comprehensive Insurance for Environmental Engineers, Consultants & Contractors
Environmental Underwriting Solutions offers a flexible, market-backed insurance program tailored for environmental engineers, consultants, and contractors. This specialized package combines multiple lines of coverage into a single solution designed to address the spectrum of environmental exposures—so you can place accounts with confidence whether the client is a small consulting firm or a large remediation contractor.
Ideal Accounts and Appetite
The program targets a broad range of environmental service providers, including:
Environmental consultants and engineers
Site assessment and soil/groundwater remediation contractors
Asbestos, lead, and mold abatement specialists
UST/AST testing, removal and closure operations
Hazardous materials transportation providers
Typical fits include firms performing site investigations, remediation contractors handling contaminated soils, and consultants preparing environmental impact assessments. The program is less likely to accept high-frequency pollution contractors with repeated large loss histories or heavy petrochemical refining operations—if you have a borderline risk, the underwriting team can discuss acceptable mitigations.
Coverage Highlights and Advantages
The program offers a comprehensive package policy that can be tailored to the account and may include:
Commercial General Liability (CGL)
Contractor Pollution Liability (CPL)
Professional Liability (E&O)
Auto Liability
Workers' Compensation
Available features and optional extensions include:
Worldwide coverages
Separate limits for defense costs
Transit and non-owned disposal site coverage
Media & technology coverage
OCP policies packaged with other lines
Railroad Protective Liability policies
Mold coverage where appropriate
Limits are available up to $25,000,000 with deductible options that depend on the risk profile. That range makes the program suitable for small firms needing entry-level protection as well as larger operations requiring substantial limits.
Underwriting Notes and Minimum Premiums
Underwriting is managed by Environmental Underwriting Solutions, a wholesale broker with access to multiple carrier partners and focused expertise in environmental exposures. Their team works with agents to evaluate complex risks, identify exclusions or priority issues, and structure competitive placements.
Minimum premiums vary by coverage and program structure:
$2,000 for monoline environmental policies
$2,500 for package and mold programs
$1,500 for excess liability policies
Territories and Availability
This program is available in most states, including 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 options are available in many jurisdictions depending on the carrier and specific risk characteristics.
Why Work With Environmental Underwriting Solutions
As a wholesale broker focused on environmental exposures, Environmental Underwriting Solutions brings technical underwriting knowledge and broad market access that generalist wholesalers may not provide. Their strengths include:
Specialized environmental underwriting expertise
Access to multiple carriers and program structures
Flexible package options that simplify placement
Responsive service for complex or nonstandard risks
Example account scenarios you can place through this program:
A midsize environmental consulting firm needing combined professional liability and pollution limits for site assessments and remediation oversight.
A contractor performing soil remediation and UST closures seeking a package policy with CPL, CGL, and transit coverage.
Need help placing an account? Connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this program?Environmental consultants, engineers, remediation contractors, and abatement specialists are all strong candidates. The program is designed for a wide range of environmental services, from site assessments to remediation work.
What coverages are included in the package policy?The package can include CGL, contractor pollution liability, professional liability, auto liability, and workers' compensation. Optional add-ons such as transit, non-owned disposal site, and mold coverage are available where appropriate.
What are the minimum premiums for this program?Minimum premiums start at $2,000 for monoline environmental policies, $2,500 for package and mold programs, and $1,500 for excess liability placements. Final minimums depend on coverages and carrier appetite.
Is this program available in my state?The program is available in most U.S. states, including CA, TX, FL, NY and many others. Admitted options are available in many jurisdictions depending on the carrier selected.
Why should I use Environmental Underwriting Solutions for environmental risks?They specialize in environmental exposures and provide access to multiple carriers, technical underwriting expertise, and tailored policy structures—helping you find solutions for complex or nonstandard accounts.
Need help placing an account? Connect with a market specialist.