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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.

BSR is pleased to offer Public Officials liability coverage through an A.M. Best A++ rated carrier. This product targets For-Profit and Not-For-Profit Special Service Districts with up to $25,000,000 in revenue. Would you like to receive a quote on every piece of business Check out our eligibility guidelines. If the risk fits the HIT ZONE, you will get a quote every time. Overview of the Program From Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) places Public Officials Liability for Special Service Districts through a top-tier market (A.M. Best A++, United States Liability Insurance Company). This wholesale broker program is built for independent agents who need a reliable market for quasi-governmental and district entities—both for-profit and not-for-profit—whose annual revenue does not exceed $25 million. Ideal Accounts and Appetite Special Service Districts and similar quasi-governmental entities (examples: water, sewer, sanitation, lighting, parking, parks & recreation, business improvement districts, transit or improvement districts). Both for-profit and not-for-profit districts with clear governance structures and formal boards of directors or commissioners. Revenue up to $25,000,000. Smaller and mid-sized districts are preferred. Accounts with standard exposures to official duty, board decisions, procurement, contracting and employment-related allegations—where historical loss activity is reasonable and well-documented. Coverage Highlights and Advantages Public Officials Liability tailored for directors, officers, appointed and elected officials, and management-level employees. Defense costs, wrongful acts and related liabilities that arise from official actions, decisions or omissions (coverage specifics vary by policy—see underwriting). Access to an A.M. Best A++ carrier through BSR’s wholesale distribution, improving placement chances for eligible risks. Streamlined quoting when an account fits the program’s “HIT ZONE” — you’ll receive a quote every time the risk meets eligibility guidelines. Underwriting Notes and Minimum Premiums Underwriting focuses on financial stability, governance practices, documented policies and controls, and the district’s claims history. Typical submission requirements include an application, current financials or revenue statements, and loss runs (if applicable). Please consult the eligibility guidelines before submitting; risks that fall outside the stated revenue threshold, have significant multi-jurisdictional exposure, or have a history of frequent or severe claims may be declined or referred. Territories and Availability This program is available in: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WY. Availability may vary by state; confirm with BSR during submission. Why Work With Bailey Special Risks, Inc. on This Business Wholesale broker access to a financially strong carrier (United States Liability Insurance Company) that underwrites public officials exposures. Program tailored for the nuances of special service districts—both for-profit and not-for-profit—so you can present accounts with confidence. Efficient quoting for risks within the HIT ZONE and experienced underwriting guidance for borderline or complex accounts. Example Account Scenarios You have a water improvement district with $3.5M revenue, a five-member board, documented procurement policies and no prior public officials claims—this program is a good fit for a straightforward quote. An urban business improvement district that runs events and parking operations with $12M revenue and standard governance procedures—fits the program appetite if loss history is manageable. Frequently Asked Questions What types of accounts are a good fit for BSR’s Public Officials Liability program?Special Service Districts and similar quasi-government entities, both for-profit and not-for-profit, with annual revenue up to $25M and stable governance and financials. Examples include water, sanitation, lighting, parking and business improvement districts. Which carrier provides the coverage?The program is placed through an A.M. Best A++ carrier, United States Liability Insurance Company, via Bailey Special Risks, Inc. as the wholesale broker. What do you need to submit for a quote?Typical submissions include a completed application, current revenue/financial summary, and loss runs if there are prior claims. Use the program eligibility guidelines to confirm the account fits the HIT ZONE for faster quoting. Are accounts outside the listed states eligible?Coverage is limited to the states listed in the program. If you have a client outside those states, contact BSR to discuss alternative options or referrals. 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.

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.

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.

Bailey Special Risks, Inc. offers a comprehensive Non Profit Package designed specifically for not-for-profit organizations with fewer than 50 employees. This program delivers a broad range of essential coverages bundled into one convenient solution, making it easier for agents and brokers to meet the unique insurance needs of nonprofit clients. Whether your client is a charitable foundation, a community service group, or a trade association, this package is built to protect their people, property, and operations. Ideal Accounts and Appetite This program is ideal for small to mid-sized nonprofit organizations operating across various sectors. Eligible classes include: Chambers of Commerce Trade Associations Art and Cultural Organizations Community Service Organizations Foundations Business Associations Charitable Organizations Counseling and Referral Services If you work with nonprofit clients seeking broad coverage options and streamlined underwriting, this program offers a strong market opportunity. Coverage Highlights and Advantages The Non Profit Package from Bailey Special Risks is structured to provide critical protections across multiple areas of exposure: Directors & Officers and Employment Practices Liability Separate limits of liability Defense costs paid outside the policy limits Unlimited Extended Reporting Period for former directors and officers Businessowners Package Special form property coverage Occurrence-form General Liability Automatic coverage for volunteers Special Events Coverage Includes up to three events annually with up to 100 attendees at no additional charge Liquor Liability available in most states Events with up to 1,000 attendees considered Professional Liability and Abuse & Molestation Separate limits of liability Coverage provided on an occurrence form This bundled approach allows agents to offer nonprofits a well-rounded risk management solution without piecing together separate policies. Underwriting Notes and Minimum Premiums The program is underwritten by United States Liability Insurance Group, known for its financial strength and expertise in specialty markets. While minimum premiums may vary by class and state, the program is structured to be competitively priced for smaller nonprofit operations. Submissions should include a completed application and any relevant event or financial details for faster quoting. Territories and Availability This Non Profit Package 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, WY Why Work With Bailey Special Risks, Inc. Bailey Special Risks is a trusted wholesale broker with expertise in placing specialty risks for nonprofit organizations. With access to top-rated carriers and a responsive underwriting team, BSR helps agents secure tailored solutions for complex nonprofit exposures. If you’re looking to place a nonprofit account that needs both D&O and GL, or an organization that hosts fundraising events, this program offers the flexibility and breadth to meet their needs. Frequently Asked Questions What types of nonprofit organizations are eligible for this program?Eligible classes include chambers of commerce, trade associations, charitable organizations, community service groups, and similar 501(c) entities with fewer than 50 employees. Does the program include coverage for special events?Yes, the policy includes up to three events per year with up to 100 attendees at no charge. Larger events and liquor liability can also be considered depending on the state. Are volunteers automatically covered under the policy?Yes, the Businessowners Package automatically includes coverage for volunteers, an important feature for many nonprofit operations. What states is this program available in?The program is available in 40+ states, including CA, TX, FL, NY, IL, and GA. It is written on a non-admitted basis. Who is the carrier for this program?The program is underwritten by United States Liability Insurance Group, a respected provider of specialty insurance products. Need help placing an account? Connect with a market specialist.