Bay Oaks Group is an independent wholesale broker specializing in self-insurance programs nationwide. We help retail agents and brokers develop and maintain individual and group self-insurance programs for both public and private sector employers. We 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, we assist with any required regulatory filings and assemble the necessary team of vendor services required to support a well-performing self-insurance program. Bay Oaks completes all carrier-required applications, secures quotes from multiple A-rated carriers and summarizes 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 • Umbrella • Property • Loss Portfolio Transfers Consultative Services: • Self-Insurance Feasibility Studies • Regulatory Filing Assistance • Group Self-Insurance Administration • Vendor 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.