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...Crime and Equipment Breakdown Automobile Umbrella These coverages are des...not eligible for coverage under this Public Entity Insurance program. Is this program...

...ters, shredding operations, and automobile dismantlers Clients with consol...collection centers, shredders, and automobile dismantling operations are the p...

... Eligible risks - Franchised automobile dealers. Typical operations include...

...ployment Practices Liability) Automobile Liability Employers Liability Th...rs & Officers (including EPL), Automobile Liability and Employers Liabilit...

Employment Practices Liability Insurance Program from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) offers a robust Employment Practices Liability Insurance (EPLI) program designed to help retail agents and brokers protect their private business clients from the growing risks of employment-related claims. This coverage is especially vital in today's litigious workplace environment where even small businesses are increasingly targeted by allegations of wrongful termination, discrimination, harassment, and retaliation. Ideal Accounts and Appetite BSR's EPLI program is tailored for private companies of various sizes and industries. Ideal accounts include small to mid-sized privately held businesses with employee counts ranging from a handful to several hundred. Target industries include, but are not limited to: Professional services firms Retail and hospitality businesses Light manufacturing and distribution Healthcare offices and clinics Nonprofit organizations Accounts with prior claims history or higher-risk employment practices may be considered based on underwriting, making this a flexible solution for brokers working with more complex risks. Coverage Highlights and Advantages BSR provides access to Employment Practices Liability coverage through a variety of A-rated carriers, giving brokers the flexibility to find the right fit for their insureds. Key coverage features include: Limits ranging from $250,000 up to $5,000,000 in a single policy Defense costs included within or outside the limits, depending on the carrier and option selected Third-party liability options available Options for wage and hour defense sublimits Risk management resources and legal hotline access through some carriers This program is particularly valuable for clients requiring tailored EPLI solutions without needing to bundle coverage with other lines. Underwriting Notes and Minimum Premiums Minimum premiums for a $1,000,000 limit start as low as $1,459, making this program accessible for a wide range of businesses. Higher limits are available up to $5,000,000, with competitive pricing based on underwriting criteria including employee count, claims history, and HR practices. BSR underwrites this program through non-admitted markets, allowing for greater flexibility and customization compared to standard admitted products. Submissions should include a completed application, current employee handbook (if available), and details of any past or pending claims. Territories and Availability This EPLI program is available to licensed agents and brokers 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.? With decades of experience as a wholesale broker, Bailey Special Risks, Inc. is known for its strong relationships with top-rated carriers and its ability to place challenging risks. Their team offers knowledgeable support, responsive service, and market access that retail agents can count on. Whether you’re working with a growing business concerned about potential HR liabilities or a client who has experienced a prior EPLI claim, BSR can help you find a solution tailored to their needs. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Private businesses of all sizes, especially in industries like professional services, retail, light manufacturing, and healthcare, are a strong fit for this program. Is prior claims history a disqualifier for submission?Not necessarily. BSR can consider accounts with prior claims depending on the nature of the claims and risk management practices in place. What is the minimum premium for this program?Minimum premiums for $1,000,000 in coverage start at approximately $1,459, though pricing may vary based on underwriting factors. Can this EPLI coverage be written on a standalone basis?Yes, this program allows for standalone EPLI policies, offering flexibility for clients who may not need bundled package solutions. In which states is this program available?This EPLI program is available in over 35 states, including CA, FL, TX, NY, IL, and many others. Need help placing an account? Connect with a market specialist.

...e Warehouse Insurance program for public and private warehouse operations, inc...ble for private warehouse risks. For public warehouses, contents options depen...

...llow-form coverage includes: Automobile Liability Employers Liability E...

...nts and Appetite Nonprofit and public organizations that transport clients ...ery, rideshare services, fixed-route public transit, or accounts that primaril...

...earthwork. It is not intended for public street or road construction, mining o...cept?Yes. Typical exclusions include public street/road construction, mining, ...

... is suitable for both private and public companies, as well as non-profit orga...e companies, non-profits, and select public entities with employment exposures...