Bailey Special Risks, Inc. Umbrella Criteria

Bakeries

In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts

Bakery Plants

In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $5,000,000 in annual gross receipts

Barber Shops

No students (even with a permit)
No products sold under their own name or label
No body piercing operations
No tattoo operations
No removal of hair by electrolysis
No hair implant or transplant operations
No chiropody or Podiatry operations
All employees have a valid license
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts

Beauty Parlors& Hair Styling Salons

No tanning beds
No students (even with a permit)
No products sold under their own name or label
No body piercing operations
No tattoo operations
No removal of hair by electrolysis
No hair implant or transplant operations
No operations involving face lifts, or the removal of warts, moles or growths
No chiropody or Podiatry operations
All employees have a valid license
No Microdermabrasion
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts

Beverage Stores - Liquor & Wine

No armed security on the premises
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts

Book Distributors

In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $5,000,000 in annual gross receipts

Caterers

Certificated of insurance from all independent contractors
Serving alcohol within the legally allowable time limit
No more than 50% alcohol sales
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more that $3,000,000 in annual gross receipts

Day Care Centers - Residential

Permission slips obtained for all field trips
No adult day care
No nanny services, babysitting services or referral operations
No non-standard or home-made play equipment
No allegation or claim involving abuse or molestation
Within the state required student-to-staff ratios
In the past 3 years, no more than 2 General Liability losses and no one loss over $10,000
No swimming pools on premises and no trips to swimming pools
applicant is exempt from license requirements or maintains a valid license with no previous suspensions or revocations
No exposure to trampoline, moonwalk or bounce equipment, gymnastic or wall-climbing equipment, or ball-pits
No karate
Kitchen facilities and heating appliances are physically separated from the children
No exposure to employed or contracted physicians or nurses
Play area is completely fenced
Facility has more than one means of egress

Delicatessens

Locations with no more than 4,000 square feet
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts

Florists

In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts

Formal Wear or Costumes - rented to others

No products sold under the applicant's name or label
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts
No rental of children's costumes

Gas Stations - Full/Self Service

Gasoline sales are no more than 75% of total sales

Golf Courses - Miniature

In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts

Golf Driving Ranges

In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts

Grocery Stores

No propane tank filling operations
No auto repair operations
No car wash operations
Locations with no more than 4,000 square feet
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts

Janitorial Services

Applicant operations only at Residential, Mercantile and Office locations and only when they are closed for business
No operations on busses, trains or airplanes or in terminals/stations
No handling of infectious waste or hazardous material
No more than 30 employees
No exposure to Health Care or Assisted Living Facilities
No operations involving Insurance Claim Response, Water Removal/Extraction, Mold Remediation, Hood/Duct Cleaning or Security
No more than 50% of total operations dedicated to floor waxing
No more than 25% exposure to independent contractors
No exterior operations over 3 stories
No more than $1,000,000 in annual gross receipts
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
Applicant does not sell any products under their own name or label
No exposure to Industrial Facilities
No street cleaning or debris removal operations

Laundry & Dry Cleaning Stores

No products sold under the applicant's name or label
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts

Medical Offices

No more than 10,000 square feet per location
No exposure to abortion
No surgical procedures done on premises
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)

Nursery - Garden

In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts

Pet Stores

No training operations
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts

Photographers

No aerial work
No rental of equipment
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $2,000, 000 in annual gross receipts

Surveyors - Land - not engaged in actual construction

No past, present or future operations in California, Alaska or Louisiana
No more than $500,000 in annual payroll
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)

Vacant Building

No swimming pools
Building is totally vacant
Building is not currently damaged (fire or otherwise)
Building is not scheduled for demolition
Building is locked and secured from unauthorized entry
Building is not located on a farm
In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
Whether coverage is desired or not, any renovations planned during our policy term do not have a total cost more than $250,000

Vacant Land

No construction activities scheduled to occur during our policy term
No leased operations
No activities that take place on the property, with or without the owner's permission
In the past 3 years, no more than 1 General Liability loss and no one loss over $25,000
No more than 250 acres
No structures on the premises
No logging operations
No exposure to Landfills, Quarries, Underground Mines, Strip Mines, Caves, Wells or Dams

Video Stores

In the past 3 years, no more than 2 General Liability losses (excluding closed no pay)
No more than $3,000,000 in annual gross receipts