https://completemarkets.com/company/bsrins/Commercial-Package/
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.