Baily Insurance

Baily Insurance Baily Insurance provides trusted advice through our insurance products & services. We currently have two branch offices in Waynesburg & Ligonier, PA.

As an Independent Insurance Brokerage, We provide trusted advice to our clients and community through our array of insurance products. From Home and Car Insurance to Workers Compensation and Group Health Benefits, we can handle almost all aspects of insurance coverage for businesses whether large and small, non-profits and individuals. We are a family business serving Greene, Washington, Fayette,

Westmoreland, Allegheny Counties since 1880. We are proudly a fourth generation family-owned business.

Before your next benefits renewal, don’t just ask, “How much is it going up?” Ask what’s driving the increase, what data...
05/29/2026

Before your next benefits renewal, don’t just ask, “How much is it going up?” Ask what’s driving the increase, what data you’re getting, and whether there’s a better strategy. Employers deserve more than business as usual.

Summer can bring new risks for local businesses: seasonal employees, company vehicles, outdoor equipment, vendor contrac...
05/27/2026

Summer can bring new risks for local businesses: seasonal employees, company vehicles, outdoor equipment, vendor contracts, special events, and certificates of insurance. Before things get busy, make sure your coverage is ready.

Heading into the long weekend? Before you tow it, ride it, drive it, or launch it, check your coverage for boats, RVs, m...
05/22/2026

Heading into the long weekend? Before you tow it, ride it, drive it, or launch it, check your coverage for boats, RVs, motorcycles, trailers, ATVs, rental cars, and roadside assistance. Ask before the trip, not after the claim.

05/19/2026

Think you have "Full Coverage"? Let’s look under the hood.

We hear it all the time: "I want full coverage." But here’s the thing...full coverage is a specific toolkit for your car. In the health insurance industry, the terminology (and the stakes) are different. Whether you are fully insured or self-insured dictates your costs and your risks.

At Baily Insurance, our 140-year legacy is built on being an advocate for the client, and that starts with education. If an employer or employee doesn't understand the components of their coverage, they can't advocate for themselves.

Have questions about your current plan structure? Let’s chat.
https://bailyagency.com/insurance-quote/

Planning a deck, pool, shed, garage, or renovation this spring? Big home updates can change your insurance needs. Before...
05/15/2026

Planning a deck, pool, shed, garage, or renovation this spring? Big home updates can change your insurance needs. Before work begins, check your coverage and make sure your policy keeps up with your home.

05/12/2026

At Baily Insurance, we had to ask ourselves a hard question: Why are we participating in a healthcare system rife with conflicts of interest?

For too long, the industry has operated inside a box of misinformation. We were told the status quo was the only way and we were told there was nothing we could do about rising costs.

We bought into the lie. But not anymore.

The reality is that 70% of people in medical debt actually have insurance. That is a failure of the system and "business as usual" is no longer an option. There are life-and-death decisions being made every day, and we refuse to profit from our clients' misery.

Watch our team in the documentary "It’s Not Personal, It’s Just Healthcare."
https://bailyagency.com/thank-you-its-not-personal-its-just-healthcare/

Spring storms can move fast. Before they do, make sure you know your deductibles, water backup coverage, claim steps, an...
05/11/2026

Spring storms can move fast. Before they do, make sure you know your deductibles, water backup coverage, claim steps, and whether recent home or business updates are reflected on your policy. A quick review now can save stress later.

05/09/2026

Your health insurance premiums are eating your employees' raises. The "mainstream" healthcare system has become a poisoned well.

Every extra dollar an employer sends to a traditional insurance carrier is a dollar that isn't going into a worker's paycheck. For years, businesses have been paying for a system that rewards waste rather than wellness.

But...there is an alternate path. More and more employers are refusing to drink from the same old well. At Baily Insurance, we’re not just brokers; we’re advocates. We’re helping Western PA employers find the path that actually leads to better health and lower costs.

https://bailyagency.com/thank-you-its-not-personal-its-just-healthcare/

05/08/2026

Did your health insurance go up even though "nothing changed"? You’re not imagining it.

It’s the most frustrating conversation we have at renewal time: Your plan stayed the same, your team stayed the same, yet your premium went up. Why?

It comes down to two factors that are often out of your control:
1. Client Age: Every year, we all get one year older. In the eyes of an actuary, that tiny shift makes a group slightly more "risky."
2. National Trends: While national inflation grabs the headlines, medical inflation is a different beast. Nationally, it’s 6–7%. But here in Western Pennsylvania, we’re seeing trends as high as 12%.

At Baily Insurance, we don't think "that’s just the way it is" is a good enough answer. We use our 140 years of experience to look under the hood of these trends and help you navigate a system that feels like it’s stacked against you.

https://bailyagency.com/insurance-quote/

05/01/2026

Why does everyone else win when your premiums go up?

In the traditional healthcare model, what you call a "premium," an insurance company calls "revenue." Who wakes up wanting to LOWER their revenue?

The truth is, the entire "healthcare food chain" is incentivized for costs to rise:
• Carriers make more.
• Brokers make more.
• Pharmacy Benefit Managers make more.

At Baily Insurance, we believe the system is rigged against the one outcome you actually want: lower costs. We’re also tired of the "business as usual" cycle. It’s time to stop asking why prices are going up and start asking how we can fix the system.

Check out the full documentary here:
https://bailyagency.com/thank-you-its-not-personal-its-just-healthcare/

Address

55 S Washington Street
Waynesburg, PA
15370

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm

Telephone

(724) 627-6121

Website

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