https://completemarkets.com/company/bsrins/Workplace-Violence-Coverage-/
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.