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Coverage Solutions

Bay Oaks Group offers a number of insurance coverages and consultative services designed to help retail agents develop and maintain individual and group self-insurance programs for both public and private sector employers. We broker a variety of excess coverages for current self-insurers through our network of carrier partners. We also help prospective employers evaluate self-insurance and other risk-bearing programs as an alternative to their current insurance plans.

For those employers who choose to self-insure, Bay Oaks will assist with any required regulatory filings, assemble a team of vendor services required to support a well-performing self-insurance program, secure excess insurance coverages to protect the program from adverse claims, negotiate any collateral security required by the state regulatory agencies and provide ongoing monitoring of the self-insurance plan.

For agents and employers seeking insurance coverages, Bay Oaks will complete all carrier-required applications, secure quotes from multiple A-rated carriers and summarize quotations in our own proprietary format that allows retail agents and their clients to quickly compare the terms of multiple quotes from multiple carriers. We provide detailed, plain English explanations of coverages and policy forms along with recommendations for the best coverage.

Coverage Solutions

Excess Workers’ Compensation Insurance (for qualified self-insurers)

Admitted Excess Workers’ Compensation Buffer/Buy-Down Policies

Self-Insurance Bonds

Excess Auto

General Liability

Professional Liability:

  • School Board Legal
  • Law Enforcement Legal
  • Directors & Officers

Employment Practices Liability

Cyber/Data Breach

Employee Benefits Liability



Loss Portfolio Transfers

Consultative Services

Self-Insurance Feasibility Studies

Regulatory Filing Assistance

Group Self-Insurance Administration

Vendor Performance Reviews and Evaluations

RFP Oversight and Management

Whether it’s an excess workers’ compensation quote for an existing program, a feasibility study for a prospective self-insurer, assistance with a state regulatory filing, or a review of an existing program, Bay Oaks Group has the knowledge and experience to get the job done.

Contact us today to learn more about how we can help you!

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