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

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

...ed by standard coverage—namely, employment practices liability, third-party di... the package?The program addresses employment practices liability, third-party...

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.

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

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.

Medical Malpractice Insurance Solutions from Bailey Special Risks If you need a reliable partner to place Medical Malpractice and allied health liability, Bailey Special Risks, Inc. (BSR) provides flexible, non-admitted solutions through multiple specialty carriers. As a wholesale broker focused on professional liability, BSR helps agents and brokers place complex risks and tailor terms for a wide range of healthcare clients. Ideal Accounts and Appetite BSR’s Medical Malpractice program is constructed for diverse healthcare exposures. Typical fits include: Physicians and surgeons across many specialties Allied health professionals — nurse practitioners, physician assistants, therapists, etc. Medical groups, multi-provider clinics, and outpatient facilities Diagnostic imaging centers, clinical laboratories, and urgent care centers Telemedicine providers and other non-traditional or emerging healthcare models From solo practitioners to multi-provider practices, BSR can pursue competitive solutions and structure coverage for niche or hard-to-place accounts. Coverage Highlights and Advantages Access to multiple specialty markets lets BSR offer flexible coverage designs. Features commonly available include: Claims-made and occurrence policy forms Consent-to-settle language when offered by the carrier Defense costs outside the policy limits on select programs Optional tail (extended reporting) and prior-acts coverage Customizable limits and deductible options to fit practice size and exposure These options help agents close coverage gaps, secure terms for unusual practice profiles, and place accounts that may not fit standard markets. Underwriting Notes and Minimum Premiums Underwriting is pragmatic and focused on the full risk profile: specialty, scope of services, licensure, claims history, and practice controls. BSR does not publish a fixed minimum premium; the program accommodates a broad range of account sizes. Expect underwriting to request a completed application, five years of loss history, and operational details for accurate placement. Territories and Availability This Medical Malpractice market 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, WV, WI, and WY. Why Work With Bailey Special Risks Bailey Special Risks, Inc. brings decades of experience placing professional liability and other specialty risks. Their medical malpractice team understands regulatory and operational challenges facing healthcare providers and responds quickly with access to multiple specialty carriers. BSR’s strengths include underwriting flexibility, market access for hard-to-place risks, and a hands-on approach to structuring terms. Example scenarios where BSR adds value: you have a client with prior malpractice claims that standard carriers declined, or you’re placing a new telehealth practice with evolving exposures — BSR can source markets and negotiate appropriate coverage. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits physicians, allied health professionals, outpatient facilities, and telemedicine providers — especially those with unique exposures or prior claims history. Is this program available on an admitted basis?No. BSR’s Medical Malpractice program is offered on a non-admitted basis through a selection of specialty carriers. What information is needed to submit a risk?Generally you’ll submit a completed application, five years of loss history, and details on the insured’s operations, licensure, specialties, and risk controls. Can BSR place hard-to-place or declined risks?Yes. BSR specializes in complex and hard-to-place medical malpractice accounts, including those with prior claims or atypical practice profiles. In which states is this program offered?The program is available in over 35 states, including CA, FL, TX, NY, and IL. See the full list above for availability. 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...

...s, private investigators, patrol agencies, and armored car personnel. Ideal A...

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.