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Your client just called to say he was served with a summons: his most important customer is suing after an employee of the insured transmitted a virus by email. Because the customer operates a paperless environment, the virus shut down their operations. The customer then inadvertently transmitted the virus to one of their clients and that company’s operations were also disrupted. Your client wants to know whether his package policy will respond. Welcome to the technology and information errors & omissions (E&O) world. A growing number of businesses depend on digital information and technology platforms to operate. Those businesses—especially those that store, process, or transmit other people’s data—carry exposures that traditional general liability or property forms were not designed to cover. Common technology and information exposures include: Failure to perform professional services (technology E&O) Unauthorized access to information by hackers or disgruntled former employees Misuse or unauthorized disclosure of client information by staff Business interruption from third-party system failures Transmission of malicious code (viruses, worms, logic bombs) Website-related intellectual property claims (copyright/trademark) Standard CGL policies typically require physical damage to tangible property to trigger coverage—digital data and software rarely qualify. That gap is why many technology firms, IT service providers, and data hosts need specialized technology/cyber and E&O insurance. Bailey Special Risks, Inc. (BSR) places Technology Insurance designed for firms that develop, deploy, or rely heavily on technology. As a wholesale broker with deep market access, BSR works with surplus lines carriers and specialty markets to tailor solutions for software vendors, consultants, managed service providers, hosting companies, and other technology-dependent businesses. Ideal Accounts and Appetite BSR’s Technology Insurance program targets businesses that provide technology services or depend on digital infrastructure for client operations. Typical classes we place include: IT consultants and software developers Web hosting, cloud and platform providers Managed service providers (MSPs) and IT outsourcing firms Technology staffing firms and VARs Data storage, colocation, and processing providers If your insured handles sensitive client data, provides technical advice, or runs platforms that others rely on for uptime and security, this program may be a strong fit. Coverage Highlights and Advantages BSR’s Technology Insurance solutions are intended to fill the gaps left by traditional policies. Coverages commonly available through the program include: Professional liability / errors & omissions for technology services Privacy breach response and third-party liability for data loss Network security and cyberattack liability Business interruption and contingent business interruption for affected third parties Media liability and intellectual property infringement Liability for transmission of malicious code These coverages can respond to damages, defense costs, regulatory response, and incident response expenses depending on the form and limits selected. Underwriting Notes and Minimum Premiums Most placements under this program are written on a non-admitted basis through surplus lines markets. Underwriting focuses on the insured’s services, exposures, security controls, and claims history. Typical submission requirements include a completed application, detailed description of services, cyber security controls (firewalls, MFA, backups, patching), and loss history. Minimum premiums vary by carrier and class; BSR can help identify the appropriate market and provide realistic minimums once you submit account details. Territories and Availability 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, Inc. BSR is a wholesale broker focused on placing complex and emerging risks. Their strengths for technology accounts include: Access to multiple surplus lines markets that underwrite cyber and technology E&O risks Experienced technology underwriting resources who understand service models and tech stacks A consultative placement process that matches each account to carriers with the right appetite Support for tailoring limits, retentions, and extensions to the insured’s exposures Example scenarios that often fit this program: You have an MSP with recurring revenue that manages client networks and needs cyber liability plus E&O for service failures. You represent a SaaS vendor that stores customer records and wants broader third-party liability and business interruption protection in case of a breach or harmful code transmission. Frequently Asked Questions What types of accounts are a good fit for this Technology Insurance program?Ideal accounts include IT consultants, software developers, managed service providers, data centers, and any business offering technology-based services or handling sensitive data. Is this coverage available on an admitted basis?No. Most coverage is placed on a non-admitted basis through surplus lines carriers familiar with technology and cyber risks. Can this program cover third-party liability from data breaches or cyber events?Yes. The program can include third-party liability for privacy breaches, network security failures, transmission of malicious code, and related third-party business interruption depending on the carrier form. What states is this program available in?BSR offers this program in 42 states, including CA, FL, NY, and TX, plus many others across the country. See the Territories section above for the full list. What information is needed to get a quote?Typical submissions include a completed application, loss history, descriptions of services and client types, and documentation of security controls and incident response procedures. Need help placing an account? Connect with a market specialist.

...real estate agents and brokers, employment agencies, executive recruiters, sea... consultants, marketing firms, temp agencies, interior designers (non-structur...

... consultants Recruiting and employment placement (GL square footage cap: 35K) Talent agencies (GL square footage cap: 35K) Tra...zed firms offering services such as executive placement, tutoring, project man...

Bailey Special Risks, Inc. offers a robust Commercial Umbrella insurance program designed to provide agents and brokers with excess liability solutions for over 200 classes of business. Backed by an A++ A.M. Best rated carrier—United States Liability Insurance Group—this non-admitted program delivers broad protection and fast turnaround for qualified risks. Overview of the Program From Bailey Special Risks This Commercial Umbrella product offers excess liability coverage over General Liability, Auto Liability, Liquor Liability, Professional Liability, and Employers Liability. It’s structured to help your clients safeguard their businesses against catastrophic losses that exceed the limits of their primary policies. Quotes are typically turned around within one business day for most acceptable risks, allowing you to respond quickly to client needs. The program is available in most states and is supported by expert underwriting from Bailey Special Risks, a trusted wholesale broker with decades of experience in placing specialty liability coverage. Ideal Accounts and Appetite This program is a strong fit for a wide range of commercial operations. Ideal accounts include but are not limited to: Contractors and construction-related businesses Retail stores and shopping centers Hospitality businesses such as restaurants and hotels Light manufacturing and wholesale distributors Professional offices and healthcare providers As an example, you might have a client who owns a regional restaurant chain with an existing Liquor Liability policy. This umbrella program can help extend their protection in the event of a major claim. Coverage Highlights and Advantages Key minimum underlying limits required for this umbrella program include: General Liability (CGL): $500,000 Combined Single Limit Auto Liability (AL): $500,000 per accident or occurrence Liquor Liability: $500,000 per common cause Professional Liability: $500,000 per claim or medical incident Employers Liability (EL): $500,000 per accident / $500,000 per employee for disease This umbrella coverage is designed to provide seamless excess protection over these underlying policies, reducing exposure gaps and enhancing peace of mind for your insureds. Underwriting Notes Bailey Special Risks works closely with agents to ensure a smooth underwriting process. While most acceptable risks receive quotes within one business day, submissions with complete applications and underlying policy details will experience faster turnaround times. Accounts must meet the minimum underlying coverage limits, and certain high-hazard industries may fall outside the program’s appetite. Territories and Availability This Commercial Umbrella 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. As a non-admitted product, this program offers more flexibility in underwriting and coverage structure, making it an excellent solution for harder-to-place risks. Why Work With Bailey Special Risks Bailey Special Risks brings deep expertise in specialty liability placement and offers responsive service to help you secure the right umbrella coverage for your clients. With access to top-rated carriers and a streamlined quote process, Bailey makes it easy for agents and brokers to expand their offerings and meet insureds' evolving needs. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?This program is ideal for retail, hospitality, contractors, manufacturers, and professional service businesses with solid underlying liability policies. How quickly can I expect a quote?Most acceptable risks receive quotes within one business day, provided the submission includes all necessary information. Is the program admitted or non-admitted?This is a non-admitted program, offering more flexible underwriting for a wide range of business classes. What are the required underlying coverage limits?Minimum limits include $500,000 for General Liability, Auto Liability, Liquor Liability, Professional Liability, and Employers Liability. In which states is this program available?The program is available in over 35 states, including CA, TX, FL, NY, IL, and many others across the U.S. Need help placing an account? Connect with a market specialist.

Workplace Violence Coverage from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) offers a workplace violence coverage program designed for agents placing accounts that face the real risk of violent incidents on or off premises. This program provides fast-response resources and tailored coverage options to help your clients manage immediate crisis costs and longer-term exposures. Coverage is written with access to Lexington Insurance Company and is available through BSR as a wholesale broker. Overview of the Program This workplace violence solution combines financial protection with crisis-management services. In the event of a violent incident — whether the perpetrator or victim is an employee, customer, vendor, or third party — the program helps insureds contain reputational harm, meet urgent expenses, and get professional assistance to stabilize operations. Coverage Highlights and Included Services Coverage can be tailored to fit individual accounts. Typical services and coverages available under the program include: Public relations interface to manage media and stakeholder communications Independent investigation and incident documentation Security services and emergency site management Threat assessment and mitigation planning Law enforcement liaison and coordination Psychiatric counseling and employee assistance Additional expenses such as temporary relocation, increased security, or business interruption-related costs Ideal Accounts and Appetite BSR’s workplace violence program fits clients who have heightened public-facing or high-stress exposures. Typical target classes include: Retail and shopping centers Restaurants, bars, and nightlife venues Healthcare facilities, clinics, and behavioral health providers Educational institutions and childcare providers Property managers and multi-tenant commercial buildings Financial institutions, government facilities, and social service organizations Accounts with previous severe incidents, poor security controls, or active criminal threats will require more detailed underwriting and loss-control recommendations. High-risk exclusions or additional terms may apply depending on the facts and the carrier’s underwriting. Underwriting Notes Underwriting evaluates recent loss history, existing security and emergency-response plans, employee screening and training, site layout, and public access controls. BSR works with agents to gather required submission materials — incident reports, security assessments, and continuity plans — to expedite placement with Lexington Insurance Company. Pricing and terms are underwritten on a per-risk basis; additional underwriting requirements may apply for higher-exposure locations. 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, WA, WV, WI, WY. Availability and specific coverages may vary by state and by carrier rules. Why Place This Business With Bailey Special Risks As a wholesale broker focused on specialty property and casualty placements, BSR combines market access with hands-on claim-avoidance services. For agents, that means: Direct access to Lexington Insurance Company for tailored placements Consultative underwriting support to prepare clean, complete submissions Rapid response orientation — both in policy terms and crisis services — to reduce client downtime after an event Practical loss-control recommendations to help clients qualify for more favorable terms Example Scenarios You might have a client who operates a multi-location retail chain that needs a program to cover staff counseling, emergency security, and PR management after an incident at a busy store. Or you could place a municipal client that wants coverage for threats against employees and coordinated law-enforcement liaison services. Both are the kinds of accounts BSR evaluates for this program. Frequently Asked Questions What types of accounts are a good fit for BSR’s workplace violence program?Accounts with substantial public contact or higher-stress operations — retail stores, restaurants, healthcare providers, schools, property managers, municipal offices, and similar classes — are good candidates. Each risk is evaluated individually for controls and prior loss history. What services does the program provide immediately after an incident?The program pairs financial coverages with crisis services: public relations support, investigation, security response, threat assessment, law enforcement coordination, psychiatric counseling for affected employees, and reimbursement for certain additional expenses. How do I submit a risk for consideration?Prepare a complete submission including loss history, current security and emergency-response plans, and any incident reports or threat assessments. BSR’s underwriting team will review the documentation and advise on additional materials needed to place the account with Lexington Insurance Company. Are there restrictions on which states the program can write?Yes. The program is offered in specific states listed in the program details; coverage features and availability may vary by state and by carrier underwriting guidelines. Can coverage be customized for larger or higher-risk clients?Yes. Coverage and services can be tailored to the client’s needs, though higher-risk accounts may require enhanced security measures, tighter underwriting terms, or additional pricing considerations. Need help placing an account? Connect with a market specialist.

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.

Community Association Package Program from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) offers a targeted Community Association Package that addresses the insurance needs of homeowners associations (HOAs), condominium associations, planned unit developments (PUDs), townhome communities and similar common-interest developments. The program is underwritten by United States Liability Insurance Group, an A.M. Best A++ rated carrier, giving agents access to a financially strong market and flexible coverage options. Ideal Accounts and Appetite This program matches a broad range of community association risks, including: Residential condominium associations Homeowners associations (HOAs) Planned unit developments (PUDs) Townhome and villa communities BSR is comfortable with associations that maintain common areas and have active management. Properties with amenities such as pools, clubhouses, tennis courts, and limited recreational programming are acceptable when they meet underwriting guidelines. Risks with chronic deferred maintenance, high frequency claims, or significant habitational conversion exposures typically fall outside the appetite. Coverage Highlights and Advantages The Community Association Package combines core protections most associations need, offered in flexible ways to align with each client’s exposure profile: General Liability for common-area exposures Property coverage for association-owned buildings and common structures Directors & Officers (D&O) Liability to protect board members Crime and Fidelity bonding to cover employee or volunteer dishonesty Umbrella/Excess Liability for higher limits Professional Liability (where applicable) for management errors and omissions Applications are streamlined for speed and accuracy. Available application forms include: Community Association Package Application Community Association Umbrella Application Community Association Professional Liability Application Agents can rate and quote eligible accounts online. Submissions that fall within the program’s HIT ZONE receive a guaranteed quote, shortening turnaround and improving placement certainty. Underwriting Notes and Minimum Premiums This is a non-admitted program, which provides underwriting flexibility and competitive terms for qualified associations. Minimum premiums vary by state, exposure, and scope of coverage; BSR’s quoting tools help determine eligibility and pricing quickly. Typical declinations include associations with extensive habitational risks, unresolved loss history, or exposures outside published eligibility guidelines. Territories and Availability The Community Association Package 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, WA, WV, WI, WY Why Work With Bailey Special Risks, Inc.? As a wholesale broker focused on specialty and hard-to-place risks, BSR combines experienced underwriting with fast, user-friendly quoting tools. Agents benefit from: Access to a top-rated carrier (United States Liability Insurance Group) Underwriters experienced with community associations and common exposures Streamlined online rating and guaranteed quotes for HIT ZONE submissions Support placing programs that require non-admitted flexibility Example fits: You might have a midsize condominium association seeking combined property, general liability and D&O limits after a recent board turnover; or an HOA with a pool and clubhouse that needs primary liability, crime coverage and excess limits. Both scenarios align with this program’s strengths when the association demonstrates active management and maintained common areas. Whether the account is a small suburban HOA or a larger urban condo association, BSR provides underwriting expertise and market access to help you place community association business confidently. Frequently Asked Questions What types of accounts are a good fit for this Community Association Package?This program is ideal for homeowners associations, condo associations, and planned unit developments with well-maintained common areas and standard amenities like pools or clubhouses. Can I get a quote online?Yes. Agents can rate and quote eligible community association risks online. If your submission falls within the program’s HIT ZONE, you will receive a guaranteed quote. What coverages are included in the package?Depending on eligibility, the package can include General Liability, Property for common areas, D&O Liability, Crime/Fidelity, Umbrella/Excess, and Professional Liability. Is this program available in my state?The program is available in the states listed above (including CA, FL, TX, NY). Check the territories list to confirm availability for your submission. Who is the carrier for this program?This program is underwritten by United States Liability Insurance Group, an A.M. Best A++ rated carrier. Need help placing an account? Connect with a market specialist.

Professional Liability Solutions from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) is a wholesale broker offering comprehensive Professional Liability (E&O) solutions for non-traditional and specialized professions. With access to multiple non-admitted carriers, BSR helps agents and brokers place accounts that often fall outside standard admitted markets by providing flexible underwriting and tailored policy structures. Ideal Accounts and Target Industries This Professional Liability program is built for both traditional and niche professional classes. Typical accounts include: Miscellaneous professionals — computer consultants, home inspectors, title agents, and other technical or advisory firms whose exposures may not fit standard forms. Medical professionals and services — diagnosticians, technicians, nurses, physicians, surgeons, CRNAs, perfusionists, and laboratories that require specialized liability protection. If your client provides specialized consulting, technical services, or healthcare support, this program offers solutions that can be adapted to those unique exposures. Coverage Highlights and Advantages BSR’s Professional Liability program emphasizes flexibility and carrier access to place both routine and hard-to-place risks. Key advantages include: Coverage tailored to the risk profile of each professional class Access to multiple non-admitted carriers for customized terms Ability to place both standard and specialty professions Support for primary and excess placements where available These options help protect insureds from claims of negligence, errors, and omissions across a range of services and specialties. Underwriting Notes All submissions are individually underwritten. BSR leverages a variety of non-admitted markets to secure capacity and craft policy language for accounts that may not qualify for admitted carriers. There is no stated minimum premium; final pricing depends on class of business, exposure details, limits, and other underwriting factors. Territories and Availability This Professional Liability 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. Why Work With Bailey Special Risks, Inc.? BSR brings decades of specialty insurance experience and broad carrier access, making them a strong partner for placing complex or non-standard professional liability risks. Their underwriting focus and market relationships help you find capacity and structure for accounts that are difficult to place in admitted markets. Example scenarios that fit this program: You have a freelance IT consultant who advises healthcare clients and needs an E&O policy with technology and healthcare exposures considered. A newly formed diagnostic laboratory needs Professional Liability coverage before onboarding clients or signing vendor contracts. For agents who need responsive underwriting and access to specialty carriers, BSR can help structure terms and locate suitable markets. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited for miscellaneous professionals (IT consultants, inspectors, title agents) and medical-related classes (technicians, nurses, physicians, labs) that require tailored E&O protection. Is this coverage placed on an admitted basis?No. BSR’s Professional Liability program is offered on a non-admitted basis through a panel of carriers to increase placement flexibility. Can I submit accounts outside the medical and consulting sectors?Yes. BSR will review a wide range of professional liability risks. Submit the details and their underwriting team will advise on eligibility and market fit. What states is this program available in?The program is available in most states, including CA, TX, FL, NY, IL, and many others. See the full list above for details. Does BSR help with hard-to-place or unusual risks?Yes. BSR specializes in placing unique and hard-to-insure professional liability accounts using its wide carrier access and underwriting expertise. Need help placing an account? Connect with a market specialist.

...d specifically for recruitment, employment, and staffing agencies. As a wholesale broker with deep sec...?This program is ideal for staffing agencies that place workers in sectors suc...

...Ideal insureds may include: Executives and business owners Public fig...eal for high-net-worth individuals, executives, public figures, and clients wi...