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Employment Practices Liability Insurance Progr...dvantages BSR provides access to Employment Practices Liability coverage thr...

...on often-overlooked liabilities—employment practices, third-party discriminati... the package?The program addresses employment practices liability, third-party...

...re: Directors & Officers and Employment Practices Liability Separate...

Liquor Liability Coverage from Bailey Special Risks Bailey Special Risks, Inc. offers a Liquor Liability program built for agents and brokers who need flexible, practical placement options for hospitality and alcohol-related accounts. Written on a non-admitted basis through United States Liability Insurance Group, the program combines experienced underwriting with competitive limits and fast turnaround to help you place bars, restaurants, package stores and distributors that need third-party liability protection tied to alcohol sales or service. Ideal Accounts and Appetite This program fits a wide range of liquor exposures, including: Bars and taverns Nightclubs (standard operations; after-hours establishments with special licenses are excluded) Restaurants that serve alcohol Liquor stores and retail package shops Wholesalers and beverage distributors Bailey Special Risks will review most liquor-related operations. Typical declines include locations that allow employees to consume alcohol while on duty or businesses that operate under special after-hours permits. If your client runs a neighborhood bar, a full-service restaurant with alcohol sales, or a retail package store, this program is likely a strong candidate for placement. Coverage Highlights and Advantages Limits available up to $1,000,000 each common cause / aggregate Coverage tailored for both retail and wholesale alcohol operations Access to an experienced market—United States Liability Insurance Group—on a non-admitted paper Responsive underwriting and efficient turnaround to help close submissions faster Examples of accounts that typically place well: a 120-seat neighborhood bar with a clean loss history and trained staff, or a regional liquor distributor with documented delivery controls and employee screening. In both cases, underwriting focuses on service practices, hours of operation, controls for over-service, and prior loss experience. Underwriting Notes Submissions are evaluated on a case-by-case basis. Underwriters consider operations, hours of service, loss history, management practices, and risk controls such as staff training, ID checks, security and incident reporting. There is no published minimum premium; pricing is driven by class, exposures, limits requested, and individual account characteristics. Prohibited exposures include on-duty employee consumption and after-hours operations under special licenses. Territories and Availability This Liquor Liability program is available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, and WY. If your client is located in one of these states, Bailey Special Risks can assist with placement and policy options. Why Work with Bailey Special Risks? As a wholesale broker with focused experience in specialty and high-exposure classes, Bailey Special Risks provides strong market access and practical underwriting for liquor-related accounts. Their partnership with United States Liability Insurance Group delivers capacity and stability on a non-admitted basis, while the firm’s agent-focused service model emphasizes quick response, clear guidelines, and hands-on support for complex submissions. Use this program when you need an experienced partner to place liquor liability risks that fall outside standard admitted markets. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?This program is ideal for bars, taverns, restaurants that serve alcohol, liquor stores, and both retail and wholesale alcohol distributors. Are there any types of risks that won't be considered?Yes. Risks that allow employees to drink on the job or operate as after-hours establishments with special licenses are not eligible. Is the coverage admitted or non-admitted?This Liquor Liability program is written on a non-admitted basis through United States Liability Insurance Group. What are the coverage limits available?Limits are available up to $1 million each common cause/aggregate. In which states is the program available?The program is available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, and WY. Need help placing an account? Connect with a market specialist.

... Executive recruiting firms Employment agencies Claims adjusters, bill...ve a client who has launched a new employment agency or a small data processin...

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Specialized Laundromat Insurance Program from Bailey Special Risks Bailey Special Risks, Inc. (BSR) offers a tailored insurance program designed specifically for laundromats and related service businesses. Whether your client operates a 24-hour unattended laundry facility or a fully staffed location that offers additional services, this program is built to address the unique operational and liability exposures of the laundromat industry. Ideal Accounts and Target Classes This program is ideal for independent insurance agents and brokers looking to place coverage for: Traditional laundromats (attended or unattended) Laundromats offering dry cleaning or wash-and-fold services Facilities with tailoring, shoe repair, or video rental services Locations that include convenience store elements or private mailbox rental The program welcomes businesses that are open 24/7, as well as standard operating hour models. Mixed-use facilities that combine laundry services with other small-scale retail operations are also eligible, provided they fall within underwriting guidelines. Coverage Highlights and Advantages Through BSR’s partnership with United States Liability Insurance Group, this program offers flexible solutions and competitive coverage for general liability, property, and other key exposures common to laundromat operations. The program is non-admitted and designed to accommodate a wide range of business models under one policy package. Key coverage features may include: Property and equipment coverage, including washers and dryers General liability for customer slip-and-fall or injury incidents Optional endorsements for additional services offered on-site Underwriting Approach and Submission Tips BSR makes quoting easy for agents with qualifying risks. If your submission meets the "HIT ZONE" eligibility criteria, you can expect a quote every time. The program is ideal for clean risks with good maintenance practices and a clear business model. Example: You might have a client who operates a 24-hour unattended laundromat with card-operated machines and on-site video surveillance. Or perhaps a small neighborhood laundromat that also provides tailoring and dry-cleaning drop-off services. These types of risks are often an excellent fit for this program. Available States This 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, WA, WV, WI, and WY. Why Work With Bailey Special Risks? As a wholesale broker with decades of experience in niche programs, Bailey Special Risks understands the unique challenges of placing laundromat business. With direct access to specialized carriers like United States Liability Insurance Group and a commitment to responsive service, BSR helps agents find stable and competitive solutions for small business clients with complex needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is a good fit for laundromats with or without additional services such as dry cleaning, tailoring, shoe repair, or convenience store elements. Both attended and unattended facilities are eligible. Can I get a quote for every laundromat submission?If the account falls within the program’s HIT ZONE eligibility guidelines, you will receive a quote every time. Submissions outside the HIT ZONE may require additional underwriting review. Is this program available for 24-hour laundromats?Yes, laundromats that operate 24/7, including unattended facilities, are eligible for coverage under this program. What states is this program available in?The program is available in over 40 states, including CA, TX, FL, NY, and many others. See the full list above for complete availability. Which carrier underwrites this laundromat program?The coverage is provided through United States Liability Insurance Group, a respected non-admitted carrier with expertise in small business risks. Need help placing an account? Connect with a market specialist.

Mobile Home Parks Coverage Program from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) offers a specialized Mobile Home Parks Commercial Liability program designed to meet the unique needs of mobile home park owners and operators. This program is written through a top-rated A.M. Best A++ carrier—United States Liability Insurance Group—and is available on a non-admitted basis across a wide range of states. Ideal Accounts and Appetite This program is ideal for mobile home park operations, including those with owned or leased rental units. Whether your client owns a small park with a few units or a larger community with extensive amenities, BSR can help you find competitive coverage options. The program is particularly well-suited for accounts that fall into the underwriting "Hit Zone," which ensures a fast and consistent quoting process. Examples of good-fit accounts include: A family-owned mobile home park with 50 rental units and no prior loss history. A regional investor with multiple small parks across different states. Coverage Highlights and Advantages Carrier Strength: Coverage is provided through United States Liability Insurance Group, rated A++ by A.M. Best. Limits: $1,000,000 per occurrence / $2,000,000 aggregate, with Commercial Umbrella options up to $5,000,000. No Liability Deductible: Provides clean, upfront protection for your clients. Rental Unit Coverage: Includes liability coverage for owned or leased rental units within the park. Competitive Pricing: Low minimum premiums help you write smaller accounts efficiently. Underwriting Notes and Submission Requirements To streamline the quoting process, BSR encourages agents to review the program’s eligibility guidelines. Risks that meet the HIT ZONE criteria will receive a quote every time, making it easier for you to place business quickly and consistently. To submit a risk for quote, please include a completed Acord application along with the Mobile Home Park Supplement. Incomplete submissions may delay the underwriting process. Territories and Availability This program is available on a non-admitted basis 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, WA, WV, WI, WY. Why Work With Bailey Special Risks, Inc.? BSR is a trusted wholesale broker with a strong track record of delivering tailored insurance solutions for niche markets, including mobile home and manufactured housing communities. Their deep underwriting knowledge, responsive service, and strong carrier relationships make them a valuable resource for agents and brokers looking to grow in this space. If you're searching for a reliable and efficient market for mobile home parks, BSR is ready to assist with competitive terms and expert guidance. Frequently Asked Questions What types of accounts are a good fit for this program?The program is best suited for mobile home parks with owned or leased rental units and a clean loss history. Smaller and mid-sized parks are welcomed, especially those meeting HIT ZONE criteria. What documents are needed to submit a risk?A completed Acord application and the Mobile Home Park Supplement are required to initiate underwriting and receive a quote. Are umbrella limits available?Yes, Commercial Umbrella coverage is available with limits up to $5,000,000, in addition to standard liability limits of $1,000,000/$2,000,000. Which states is the program available in?The program is available in over 40 states, including CA, FL, TX, NY, and many others. It is written on a non-admitted basis. Does the program cover liability for rental units owned by the park?Yes, the liability coverage includes owned or leased rental units located within the mobile home park. Need help placing an account? Connect with a market specialist.

Commercial General Liability Program from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) offers a Commercial General Liability (CGL) program for agents and brokers placing liability coverage for a wide range of small to mid-sized businesses. As a wholesale broker with deep market access and underwriting expertise, BSR helps you place both routine and harder-to-place risks by matching accounts to appropriate non-admitted markets, including United States Liability Insurance Group. Whether the account is a single-location retail shop, a growing restaurant group, or a multi-site light manufacturer, BSR works with agents to secure tailored general liability solutions that address premises, operations, and advertising/personal injury exposures. We focus on practical placement solutions for accounts that may be complex due to operations, prior claims, or unique exposures. Ideal Accounts and Appetite BSR targets a broad set of everyday business classes and selected specialty accounts, including: Bars, taverns, restaurants, and private clubs Beauty salons, nail salons, and barber shops Business owners and neighborhood retail establishments Commercial and residential child care centers Convenience stores, delis, grocery, and liquor stores Fitness centers and gyms We also offer class-specific supplements for: Dance, language, and music schools Electronics and specialty retail stores Fast food and quick-serve establishments Habitational risks (apartments, rental properties) Laundromats and similar service businesses If an account has niche operations or previous losses, BSR can often provide guidance and market access that other brokers cannot. We encourage you to submit full details — many accounts that appear declined elsewhere are placeable with the right underwriting information. Coverage Highlights and Advantages BSR’s CGL program provides broad liability protection for bodily injury, property damage, and personal & advertising injury. Policies are customizable with endorsements appropriate to the class and carrier, allowing you to tailor limits and coverages to client needs. As a wholesale broker, BSR offers: Access to United States Liability Insurance Group and additional non-admitted markets Flexible quoting for standard and moderately complex risks Underwriting support to identify exposures and required supplements Practical solutions for accounts with prior claims or unusual operations Underwriting Notes and Minimum Premiums Underwriting requirements vary by class. You should submit a completed ACORD application plus any applicable class-specific supplements to receive an accurate quote. For accounts with prior claims, provide loss runs and pertinent risk control measures to improve placement prospects. While there is no fixed public minimum premium listed, BSR’s underwriting team will advise on pricing and minimums during the submission review. Territories and Availability BSR writes this CGL program on a non-admitted basis and 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 combines decades of commercial lines experience with strong carrier relationships and a hands-on underwriting approach. Agents benefit from responsive service, fast initial reviews, and help assembling the right submission package. BSR’s strength is finding solutions for middle-market and main-street businesses that need dependable liability coverage but present non-standard challenges. Example scenarios where BSR adds value You have a multi-location casual dining client with a prior liquor-related claim — BSR can help identify appropriate non-admitted capacity and negotiable terms. You’re placing a neighborhood laundromat or salon that many admitted markets declined — BSR can coordinate supplements and present the risk to specialty markets. Frequently Asked Questions What types of accounts are a good fit for BSR’s Commercial General Liability program?BSR places a wide range of small to mid-sized businesses, including restaurants, salons, child care centers, convenience stores, fitness facilities, and other main-street operations. We also review harder-to-place or niche accounts on a case-by-case basis. Is this program available on an admitted or non-admitted basis?This program is offered on a non-admitted basis through United States Liability Insurance Group and other specialty markets. Do you offer coverage in all 50 states?No. The program is available in select states listed on our storefront (including major states such as CA, TX, FL, and NY). Check the territories section above for the full list. What underwriting information is required to submit a risk?Provide a completed ACORD application and any class-specific supplements. For accounts with prior losses, include loss runs and details on risk controls so underwriters can evaluate placement options. Can BSR assist with risks that have prior claims or unusual exposures?Yes. BSR regularly helps place accounts with claim histories or unique operational exposures by working with you to present a complete submission and by leveraging our carrier relationships. Need help placing an account? Connect with a market specialist.