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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.

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.

Medical Providers Coverage from Bailey Special Risks, Inc. Bailey Special Risks, Inc. offers a unique Medical Providers Coverage program specifically designed to help protect small to mid-sized physician and dental offices from key non-malpractice liabilities. This innovative package policy targets exposures that are often overlooked by standard coverage—namely, employment practices liability, third-party discrimination, and sexual misconduct toward patients. These are some of the most concerning risks for medical offices, and this program brings them together under one streamlined solution. Ideal Accounts and Appetite This program is ideal for small to medium-sized medical or dental practices with fewer than 100 employees and a clean claims history in the relevant coverage areas. Target accounts include: Independent doctor or dentist offices Group practices or outpatient clinics Medical spas with licensed practitioners Accounts should generally have no recent history of employment-related claims, patient discrimination cases, or allegations of sexual misconduct. If the risk falls within the program’s "HIT ZONE" eligibility guidelines, you will receive a quote every time—making this program predictable and efficient for busy agents. Coverage Highlights and Advantages This package policy addresses three high-impact exposures under one roof: Employment Practices Liability Insurance (EPLI): Covers claims related to wrongful termination, harassment, discrimination, and other workplace issues. Third-Party Discrimination: Protects against allegations of discrimination or harassment brought by patients or visitors. Sexual Misconduct Liability: Provides coverage for defense costs and settlements related to allegations of inappropriate conduct toward patients. By bundling these coverages, your clients gain peace of mind and streamlined protection against some of the most damaging claims they could face. Underwriting Notes and Minimum Premiums While there is no published minimum premium, accounts with clean histories and under 100 employees are more likely to qualify for favorable rates. Risks that meet the HIT ZONE criteria receive automatic quotes, making it easy for agents to write more business efficiently. 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, WV, WI, and WY. It is written on a non-admitted basis through the United States Liability Insurance Group, providing flexibility in underwriting and broader risk acceptance compared to many admitted carriers. Why Work With Bailey Special Risks, Inc.? As a trusted wholesale broker, Bailey Special Risks, Inc. brings deep expertise in niche healthcare exposures and offers exclusive access to this tailored program. With a focus on responsive service and efficient quoting—especially for accounts in the HIT ZONE—BSR helps agents place difficult or underserved risks quickly and confidently. If you have physician or dental practice clients concerned about employment liability, patient discrimination, or misconduct exposures, this program is a smart solution to offer. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized doctor or dentist offices with fewer than 100 employees and minimal or no prior claims in employment practices, discrimination, or sexual misconduct are ideal candidates. What coverages are included in the package?The program addresses employment practices liability, third-party discrimination, and sexual misconduct liability—three key non-malpractice exposures for medical providers. Is this program admitted or non-admitted?This program is written on a non-admitted basis through United States Liability Insurance Group, allowing for greater underwriting flexibility. How can I know if my submission qualifies for an automatic quote?If the risk meets the program’s HIT ZONE eligibility guidelines, you’ll receive a quote automatically. Clean claims history and size criteria are key factors. Which states is this program available in?This program is available in over 35 states, including CA, TX, FL, NY, IL, and many others across the country. 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.

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.