Search CompleteMarkets

...rations, including self-service laundromats, coin-operated laundry facilities,...l for coin laundries, self-service laundromats, wash-and-fold businesses, and ...

...Gas stations and car washes Laundromats, barber shops, tanning salons, and...— grocery stores, hardware stores, laundromats, gas stations, barber shops, fl...

...nts, rental properties) Laundromats and similar service businesses ...

Bailey Special Risks, Inc. offers a versatile Business Owners Package designed to help independent agents and brokers place small to mid-sized commercial accounts across a range of industries. This program is tailored to meet the unique exposures of specific business classes and provides a streamlined approach to underwriting and quoting. Overview of the Program From Bailey Special Risks Our Business Owners Package (BOP) program is built to serve niche industries with tailored coverage solutions. By working with a leading carrier, United States Liability Insurance Group, we bring you a reliable non-admitted solution for your clients who may not meet standard market guidelines. Our expertise as a wholesale broker allows us to evaluate submissions quickly and provide responsive service when all required documentation is submitted. Ideal Accounts and Appetite This program is ideal for small business owners operating in the following sectors: Beauty Salons, Nail Salons, and Barber Shops Fast Food Restaurants Convenience and Grocery Stores Electronic & Video Stores Lessors Risk Only (LRO) properties General Businessowners Whether you're placing a single-location nail salon or a multi-unit fast food franchise, this program is designed for agents looking to secure comprehensive coverage for clients with straightforward risk profiles. Coverage Highlights and Advantages Our Business Owners Package offers the core protections your commercial clients need, including property, liability, and business interruption coverages. Additional endorsements and limits may be available depending on the class of business and underwriting evaluation. Key advantages include: Tailored coverage for specific business types Streamlined underwriting through Acord and supplemental applications Responsive turnaround times when submissions are complete Access to a stable, experienced carrier partner Underwriting Notes and Submission Requirements To ensure a timely quote, please submit a completed Acord application along with any relevant supplemental forms and supporting information. The more detailed and accurate the submission, the faster we can respond. This program is non-admitted. It's best suited for risks that may not qualify for admitted markets due to size, location, or business type. Territories and Availability Our BOP program is available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming. Why Work With Bailey Special Risks Bailey Special Risks, Inc. has built a reputation for delivering niche commercial insurance solutions through strong carrier relationships and a commitment to service. As a wholesale broker, we understand the unique needs of independent agents and offer the tools and expertise to help you secure coverage for hard-to-place or specialized risks. You might have a client with a small chain of convenience stores or a landlord with mixed-use retail tenants — these are the types of accounts we excel at quoting and placing. Let us help you find the right fit for your commercial clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits small to mid-sized businesses such as beauty salons, barber shops, fast food restaurants, convenience stores, and lessors risk properties. Is this an admitted or non-admitted program?The Business Owners Package is placed on a non-admitted basis through United States Liability Insurance Group. What documents are required to submit an account?A completed Acord application along with any applicable supplemental applications and supporting information are required for underwriting review. Can I submit risks in all states?The program is available in most states, including CA, TX, FL, NY, and others. Please refer to the full state list to confirm availability. What is the turnaround time for quotes?Turnaround times are typically fast when complete submission materials are provided. Incomplete submissions may delay the process. Need help placing an account? Connect with a market specialist.

King Support Systems Insurance Services offers a flexible and responsive Commercial Umbrella Insurance program tailored to meet the needs of agents and brokers serving clients in Arizona, California, Nevada, Oregon, and Washington. Whether you're placing business for contractors, property owners, retail operations, or other commercial risks, this program provides the additional liability limits your clients need to protect their assets beyond the coverage of underlying policies. Territory Available in CA, AZ, NV, OR, and WA Admitted and Non-Admitted options available depending on state and class of business Service Highlights In-house rating for faster quotes Quick turnaround on submissions Options for direct or agency billing Competitive commissions for most business classes Ideal Accounts and Appetite Commercial accounts with revenues up to $25 million Available over most classes of business, including general contractors, manufacturing, habitational, retail, and hospitality Underlying carriers must be rated A-VII or better Accounts with loss history under $100,000 in the past five years This program is a great fit if you have a client with extensive premises liability exposure or one looking to meet contractual insurance requirements. For example, a construction firm with multiple job sites or a shopping center owner with large foot traffic may benefit from the added protection of an umbrella policy. Coverage Highlights Umbrella limits up to $10 million available Excess liability options available for higher limits Follows form over qualified underlying policies Minimum Premium $500.00 Commercial Umbrella Insurance Why Choose King Support Systems Insurance Services As a Managing General Underwriter and Excess & Surplus Lines Broker, King Support Systems brings strong market relationships and underwriting expertise to support your placements. Their responsive team, in-house quoting capabilities, and flexible billing options offer a streamlined experience for agents and brokers. Whether you’re working with standard or hard-to-place risks, King Support Systems provides practical solutions with competitive pricing and reliable turnaround times. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?This program is ideal for commercial clients with revenues up to $25 million, including contractors, property owners, retailers, and hospitality businesses that need higher liability limits. What are the coverage limits available?Umbrella limits are available up to $10 million, with excess liability options for accounts needing higher coverage. Are both admitted and non-admitted options available?Yes, King Support Systems offers both admitted and non-admitted options depending on the class of business and state. What are the minimum premium requirements?The minimum premium for this program starts at $500, making it accessible for a wide range of accounts. How quickly can I receive a quote?With in-house rating capabilities, King Support Systems provides quick turnaround on most submissions. Need help placing an account? Connect with a market specialist.

Convenience Store Insurance Allstar Financial Group offers a comprehensive Convenience Store Insurance program designed to meet the unique risks faced by independent convenience store owners. Through our specialized underwriting division, Allstar Underwriters, we provide access to tailored coverage options including Property, Casualty, Liquor Liability, and Umbrella insurance. This program is built for agents and brokers looking to quickly quote and bind policies for small business clients. Ideal Accounts and Appetite This program is ideal for a wide range of businesses operating in the retail and service sectors. In addition to convenience stores, we can consider risks in categories such as: Retail establishments Wholesale outlets Vacant properties (select cases) Contractors, offices, and institutional properties Whether your client is a single-location store or operates multiple sites, we can accommodate Total Insured Values (TIV) up to $5 million per location. Coverage Highlights and Advantages Property Coverage Includes: TIV up to $5 million per location Monoline or package options available No coinsurance options (varies by risk) Optional enhancements such as equipment breakdown coverage Casualty Coverage Includes: Available as monoline or package Minimum premiums starting at $500 Primary limits up to $5 million/$5 million Project-specific policies available Coverage for uninsured subcontractors Optional endorsements, including: Blanket additional insured Waiver of subrogation Primary non-contributory wording Per project/per location aggregate Hired & Non-Owned Auto (select classes) Miscellaneous professional liability (select classes) Liquor Liability Coverage: Limits ranging from $100K/$100K up to $1 million/$2 million Monoline or packaged with GL Assault & Battery coverage follows General Liability Available in NC, SC, GA, TN, and VA Umbrella Coverage: Limits up to $5 million Minimum premium starts at $750 Available on a supported or unsupported basis Underlying requirements include: General Liability and Auto: AM Best A-VI or better Employers Liability: AM Best B++ or better GL limits of $1 million/$2 million/$2 million Underwriting Notes and Minimum Premiums We offer flexible underwriting with the ability to quote both monoline and package policies. Minimum premiums vary by coverage type, with General Liability starting at $500 and Umbrella at $750. Optional coverages and enhancements allow you to tailor each policy to your client’s specific exposures. Territories and Availability The Convenience Store Insurance program is available in most states, with a strong focus on the Southeast. Currently, Allstar is actively writing this program in: Alabama Georgia Louisiana North Carolina South Carolina Tennessee Virginia Why Work With Allstar Financial Group As a trusted Managing General Underwriter and Excess & Surplus Lines Broker, Allstar Financial Group brings deep underwriting expertise and access to multiple carriers. Our small business solutions division is designed to make quoting and binding simple and efficient for busy agents. Whether you're placing a single-location account or managing a portfolio of retail risks, our program is built to support your success. You might have a client operating a convenience store with fuel sales and limited liquor exposure—we can help you build a customized package that meets their needs. Or perhaps your client owns a vacant retail property awaiting a new tenant—we have solutions for that as well. Let our experienced underwriters help you find the right coverage quickly while navigating the complex needs of small retail risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for convenience stores, retail shops, wholesale outlets, vacant commercial properties, and certain institutional or office risks. Is liquor liability coverage available in all states?No, liquor liability is currently available in North Carolina, South Carolina, Georgia, Tennessee, and Virginia. Can I write monoline General Liability or Property policies?Yes, both monoline and package policies are available depending on the account type and coverage needs. What are the minimum premiums for this program?Minimum premiums vary by coverage, starting at $500 for General Liability and $750 for Umbrella policies. Do you offer coverage for vacant retail properties?Yes, vacant properties may be eligible depending on underwriting criteria. Contact an underwriter to review specific risks. Need help placing an account? Connect with a market specialist.

At Bailey Special Risks, Inc., our Commercial Package program helps agents and place and bind coverage for niche and hard-to-place commercial risks. As a wholesale broker with deep market access and underwriting expertise, we provide tailored package policies that combine property and general liability coverages into a single product. With binding capacity through United States Liability Insurance Group and other top-tier markets, we deliver responsive underwriting when you submit a complete application package. Ideal Accounts and Appetite This Commercial Package is designed for small-to-medium-sized businesses that need flexible underwriting or non-admitted solutions. We focus on classes that often fall outside standard admitted markets, including: Apartments Bars & Taverns Dance, Language, & Music Schools Day Care Centers Exercise & Fitness Centers Vacant Buildings Premises Preferred * *For Premises Preferred submissions, include a fully completed ACORD application plus any site photos, inspection reports or supporting documents to ensure timely review. Coverage Highlights and Advantages Our Commercial Package combines property and general liability into a streamlined policy tailored to the operational exposures of each account. We underwrite with flexibility to add optional coverages appropriate to the class of business—such as liquor liability for bars, abuse/molestation options for schools and daycares where available, or specific coverage for vacant or tenant-occupied buildings. Key advantages: Combined property and general liability in one packaged policy Optional endorsements and limits selected to fit the operation Competitive terms for well-documented, well-underwritten risks Fast response when you provide a complete submission Underwriting Notes and Submission Requirements To speed placement, submit a fully completed ACORD application and any class-specific supplements. High-hazard operations (e.g., bars, vacant buildings, or facilities with youth programs) usually require additional details such as loss runs, security and supervision protocols, inspection reports, and, when applicable, proof of alcohol service training or background checks. Underwriters evaluate each risk on its merits, emphasizing operations, building condition, prior loss history, and mitigation efforts. Clear, complete submissions improve turnaround and quoting accuracy. 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, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WY. Contact us about state-specific eligibility or restrictions. Why Work With Bailey Special Risks Bailey Special Risks is a wholesale broker with a reputation for responsiveness and niche underwriting expertise. We leverage long-standing relationships with carriers such as United States Liability Insurance Group to place accounts that need flexible, non-admitted solutions. Our team provides practical underwriting guidance, clear submission checklists, and efficient placement to help you keep business moving. Example scenarios that fit this program: You have a multi-unit apartment owner with recent cosmetic property damage and moderate loss history who needs combined property and GL limits with flexible terms. A client operates a neighborhood fitness studio that serves youth classes and requires tailored liability limits and participant-waiver endorsements. Frequently Asked Questions What types of accounts are a good fit for this Commercial Package program?We target small-to-medium-sized businesses in classes such as apartments, bars and taverns, daycare centers, fitness facilities, and vacant buildings—accounts that often require flexible underwriting and non-admitted solutions. What documents are needed to submit a risk?Provide a completed ACORD application and any supplemental forms for the class (e.g., liquor schedules, daycare supplements, vacant property inspections). Include loss runs and any supporting documents that show mitigation or controls for higher-hazard exposures. Is this program available in all states?No. The program is available on a non-admitted basis in the states listed above. Contact us for clarification on state-specific eligibility. Is this an admitted program?No. This Commercial Package is offered on a non-admitted basis through United States Liability Insurance Group and other carriers. How quickly can I expect a quote?When you submit a complete application with required supplements and loss runs, our team typically responds within a few business days. Complex or high-hazard accounts may require additional review time. Need help placing an account? Connect with a market specialist.

Comprehensive Child Care & Day Care Coverage from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) offers a flexible and competitive insurance solution tailored specifically for child care and day care providers. Whether your client operates a commercial facility or a residential-based childcare service, this program offers the adaptability and coverage options agents need to address diverse risk profiles through a single market. The program is backed by United States Liability Insurance Group and is written on a non-admitted basis. Ideal Accounts and Target Classes This program is designed for licensed child care centers, in-home day cares, preschools, and before/after-school programs. It can also consider operations with more complex exposures such as: Children with special needs Drop-off and pick-up transportation services Overnight care operations Facilities with pools, pets, or regular field trips If you have a client running a residential day care with a small group of children and a pet on-site, or a commercial center offering extended hours and transportation, this program can provide a customizable insurance solution to fit their needs. Coverage Highlights and Advantages BSR’s Child Care & Day Care program offers customizable coverage options with the flexibility to write policies as either a full package or monoline liability. Key features include: Child Molestation & Abuse limits available up to the General Liability limit Non-owned and hired auto liability coverage Coverage for pets, pools, and field trip exposures Optional Glass, Money & Securities, and Employee Dishonesty coverage Special Form and Replacement Cost for property coverage Defense Costs Coverage available outside the policy limit Competitive rating structure based on average daily attendance These features make it easier for agents to tailor coverage to each client’s operational risks and budget. Underwriting Notes and Considerations The program is non-admitted and underwritten by United States Liability Insurance Group. Underwriting is flexible, with the ability to consider a wide range of operations and exposures. Policies can be structured with or without molestation and abuse coverage, depending on the insured’s needs and qualifications. Minimum premium requirements may vary depending on the scope of the operation and selected coverages. The program is best suited for accounts that demonstrate strong safety protocols, proper licensing, and experience in child care services. States Available This program is currently 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.? Bailey Special Risks, Inc. is a trusted wholesale broker with deep expertise in niche liability programs. Their child care and day care product is underwritten with a focus on flexibility, speed, and comprehensive protection, making it easy for agents to place business with confidence. With access to top-rated carriers and a responsive underwriting team, BSR helps agents find the right coverage solutions for challenging or unique daycare operations. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed child care centers, residential day cares, preschools, and operations with special exposures such as field trips, pools, pets, or overnight stays. Can I get coverage for molestation and abuse claims?Yes, molestation and abuse coverage is available with limits up to the General Liability limit, depending on underwriting approval and the insured’s safety protocols. Is this program available in my state?This program is available in over 35 states, including CA, TX, FL, NY, and many others. Please check the full list or contact BSR for state-specific availability. Can I write monoline liability or does it have to be a package?You can write the policy as monoline liability or a complete package, based on the insured’s needs and risk profile. Does the program cover transportation exposures?Yes, non-owned and hired auto liability is available, and the program can consider drop-off and pick-up exposures during underwriting. Need help placing an account? Connect with a market specialist.