Overview of the Program From VAIL
Atlantic Risk Specialists combines wholesale brokerage experience with flexible underwriting to place professional liability risks across both admitted and non-admitted markets. The program supports solo practitioners, small firms, start-ups, specialty providers, and larger organizations by offering tailored coverage options and responsive service backed by a nationwide distribution footprint.
Ideal Accounts and Appetite
This program has a broad appetite for professional liability classes, including:
- Directors & Officers (D&O) for public, private, nonprofit, and IPO-bound entities
- Employment Practices Liability (EPLI) — standalone or as part of Management Liability
- Fiduciary Liability for private companies, public entities, and labor unions
- Miscellaneous Professional Liability (errors & omissions) for:
- Mortgage brokers and bankers
- Real estate agents, brokers, and appraisers
- IT consultants, software developers, and data processors
- Property managers and real estate consultants
- Insurance agents, claims adjusters, and third-party administrators
- Title/escrow professionals, trustees, and home inspectors
- Lawyers Professional Liability, including solo practitioners and panels for distressed firms
- Cyber Liability and Data Breach coverage
- Healthcare Professional Liability for clinics, labs, dialysis and fertility centers, long-term care, physicians, and home health providers
- Architects & Engineers, including construction managers and environmental exposures
- Media liability and investment advisor / mutual fund D&O / E&O
- Crime protection solutions
If you have clients in nonstandard or difficult-to-place industries, this program provides market access and underwriting flexibility to help secure customized coverage.
Coverage Highlights and Advantages
- Primary and excess limits available across many classes
- Access to 100+ markets, including admitted and non-admitted carriers
- Standalone or packaged placements for EPLI, D&O, Fiduciary, Cyber and more
- Solutions for start-ups, distressed accounts, and specialty/single-risk scenarios
- No minimum premium requirement — suitable for small and large accounts
Example fits: a solo attorney with a niche real estate practice seeking tailored E&O limits, or a new data analytics firm that needs combined E&O and cyber coverage while establishing operations.
Underwriting Notes and Minimum Premiums
Underwriting is handled on a case-by-case basis. There is no minimum premium requirement, which makes the program accessible to a wide range of account sizes. Submissions with complete applications, loss runs, and supporting documentation receive the fastest consideration.
Territories and Availability
This program is available nationwide: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Why Work With VAIL and Atlantic Risk Specialists
As a wholesale broker, VAIL and Atlantic Risk Specialists provide deep professional-lines expertise and broad market access. Their strengths include flexible underwriting for complex risks, responsive service for retail agents and brokers, and the ability to place business in both admitted and non-admitted markets. That combination makes them a strong partner when you need creative placement options or hard-to-find capacity.
For all your Professional Liability Insurance placement needs, contact Atlantic Risk Specialists today!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits a wide range of professionals, including attorneys, healthcare providers, real estate professionals, consultants, tech firms, and nonprofits — especially accounts that need flexible or specialty placements.
Is there a minimum premium required?
No. There is no minimum premium, so the program is suitable for both small and larger accounts.
Which states is this program available in?
The program is available in all 50 states and Washington, DC.
Can you place distressed or hard-to-place risks?
Yes. Atlantic Risk Specialists leverages access to 100+ markets and flexible underwriting to find solutions for distressed or unusual risks.
Is standalone coverage available for lines like EPLI or Cyber?
Yes. Standalone options are available for several lines, including Employment Practices Liability and Cyber Liability.
Need help placing an account? Connect with a market specialist.