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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.

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Standalone Workers Compensation for Staffing Companies from Novatae Risk Group Novatae Risk Group offers a focused Workers Compensation program built for staffing agencies. Whether your clients place clerical staff, light industrial labor, healthcare support, or skilled trades, Novatae provides flexible underwriting, competitive terms, and capacity for accounts that are difficult to place — including those with elevated experience modifications (X-Mods) or recent lapses in coverage. Program Highlights: Aggressive pricing and competitive placement options Guaranteed-cost program structure Broad class-code acceptance for staffing placements High X-Mods accepted Lapse in coverage — acceptable with proper underwriting Ideal Accounts and Appetite This program is designed specifically for staffing companies with at least $1,000,000 in payroll and is a strong fit when your client places employees across multiple exposure types. Common placements include: Light industrial and warehouse workers Healthcare staffing (non-hospital settings) Clerical and administrative personnel Skilled trades and construction support Example scenarios where Novatae often provides value: you have a staffing client who recently expanded into warehouse labor and now exceeds $1M payroll with a spotty loss history, or a long-standing agency that experienced a short lapse in coverage during a corporate transition. Both are typical submissions for this program. Coverage Highlights and Advantages Access to several national and regional A-rated carriers Placement in admitted or non-admitted markets depending on state and risk profile Underwriting tailored to the staffing model — payroll verification, client/host employer rules, and multi-class exposures Fast response times and hands-on underwriting support for complex accounts Underwriting Notes and Minimum Premiums Minimum account guidelines: Minimum payroll: $1,000,000 Minimum premium: $100,000 Novatae will consider accounts with high X-Mods and recent coverage lapses, but pricing and terms will reflect the loss history and risk controls. Typical submission documentation includes ACORD applications, currently valued loss runs, a current declarations page, and an X-Mod worksheet. Territories and Market Access The program is available in most states, including but not limited to CA, TX, FL, NY, IL, and GA. Novatae works with multiple admitted and non-admitted carriers and will match the state, class mix, and account profile to the appropriate market. Why Work With Novatae Risk Group? As a managing general underwriter and E&S broker, Novatae combines staffing niche expertise with broad carrier relationships. Agents benefit from creative underwriting, market access for hard-to-place risks, and responsive service that helps move submissions quickly to binding. If you need a partner to place complex staffing Workers Comp accounts, Novatae is positioned to help. THIS IS NOT A PEO Do you need a Workers Comp insurance quote for a staffing company? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of staffing companies are eligible for this Workers Comp program?Eligible accounts are staffing agencies with at least $1,000,000 in payroll. The program accepts a wide range of class codes—from clerical and administrative to light industrial and skilled labor placements. Can I submit accounts with high experience mods or lapses in coverage?Yes. Novatae accepts submissions for accounts with high X-Mods and for those that have had a recent lapse in Workers Compensation coverage; underwriting will evaluate loss trends and controls when pricing. What documentation is required for a submission?Provide an ACORD 130 application, 3–5 years of currently valued loss runs, the current policy declarations page, and an experience modification (X-Mod) worksheet. Is this a PEO solution?No. This is a standalone Workers Compensation insurance program, not a Professional Employer Organization (PEO) arrangement. In which states is this program available?The program is available in most states, including CA, TX, FL, NY, IL and others. Novatae will determine admitted vs non-admitted placement based on the state and account profile. Need help placing an account? Connect with a market specialist.