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World Premier: Excess Disability Benefits “To Age 65” ...y for a guide to a new frontier of disability income insurance.

Personal Disability Insurance Plan It can be hard to face the fact that a disability can happen at anytime, to anyone; your clients without high limit disability insurance could potential face huge...f our tailored high limit personal disability insurance plans.

...erty, general liability, business income/extra expense, and ancillary hospital...and liability coverage with business income protection; or you represent a tri...

Beauty Insurance Consultants is your trusted partner for Cosmetic Industry Insurance. As a specialized program under VAIL - Value Added Insurance Lines, we offer tailored coverage solutions for a broad range of businesses in the cosmetics and personal care sectors. Whether you're working with a boutique skincare line or a global cosmetics distributor, our program is designed to address the unique exposures of this dynamic industry. Ideal Accounts and Appetite Our program is built to serve the full supply chain of the cosmetic and personal care industry, including: Cosmetic Manufacturers Distributors, Importers, and Exporters Raw Material and Component Suppliers Retailers and Wholesalers (online and brick-and-mortar) OTC Product Suppliers Beauty and Spa Equipment Vendors Spas and Salons If you're placing coverage for a start-up cosmetics lab, an established spa franchise, or a packaging supplier, we have the flexibility and expertise to help you secure the right insurance solution. Coverage Highlights and Program Features Product & General Liability tailored to cosmetic products Occurrence Form available for broader protection Liability limits up to $1,000,000 with unlimited umbrella capacity Blanket Additional Insureds and Broad Form Vendors coverage Demonstrators Liability for in-store or event sampling Industry-specific property enhancements available Worldwide coverage for both liability and property Coverage for Ocean & Inland Marine, Business Auto, and more Additional Benefits and Flexibility Low minimum premiums — making it accessible for emerging brands Various deductible options for customized risk tolerance Supplier Certificate Review as part of risk management support Territories and Program Availability This program is available nationwide in all 50 states, including DC. From California to New York, our reach ensures you can place business across a wide geographic area with confidence. Why Work With Beauty Insurance Consultants Through VAIL As a division of VAIL - Value Added Insurance Lines, Beauty Insurance Consultants brings focused expertise to an evolving and competitive industry. We understand the regulatory, reputational, and product liability risks that beauty and cosmetic businesses face. Our team offers responsive service, flexible underwriting, and solutions that keep pace with the market — whether your client is launching a new serum or distributing wellness products globally. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include cosmetic manufacturers, distributors, importers, retailers, spas, and beauty equipment suppliers. We can accommodate both startups and established businesses. Is there a minimum premium for this program?No, there is no set minimum premium, making it accessible for smaller or emerging businesses in the cosmetic industry. What coverage forms are available?We offer occurrence form coverage, which provides protection for claims that occur during the policy period, regardless of when they are reported. Can this program cover international exposures?Yes, worldwide coverage is available for both liability and property risks, which is beneficial for clients with global operations or exports. In which states is this program available?The program is available in all 50 states and Washington, DC, offering broad flexibility for agents placing business across the country. Need help placing an account? Connect with a market specialist.

...terruption – Indemnity for earned income and continuing operating expenses aft...

Tailored for School Bus, Charter Bus, Social Services, Ambulance, and ParaTransit Companies. Now includes coverage for Assault & Battery. VAIL - Value Added Insurance Lines, in partnership with Capacity Excess, LLC, offers a specialized Sexual Molestation Coverage program for transportation providers who regularly carry vulnerable populations. This program is designed for school bus contractors, charter operators, social service agencies, ambulance services, and ParaTransit providers. Coverage now extends to include Assault & Battery, giving broader protection for the kinds of high-exposure allegations these businesses face. Ideal Accounts and Appetite This program is intended for agents placing transportation clients that serve children, seniors, people with disabilities, or other at-risk groups. Typical target accounts include: School bus contractors and charter bus operators Non-emergency medical transportation (NEMT) providers Social service agencies that provide passenger transport Ambulance companies and ParaTransit operators You might place a mental-health nonprofit that operates daily shuttle routes or a charter company that runs school shuttles — both are examples of accounts that can benefit from dedicated sexual molestation and assault & battery coverage. Coverage Highlights and Advantages Allegations of sexual misconduct — even unfounded — can result in costly litigation and reputational harm. This program helps manage those risks with: Coverage for both legitimate and frivolous sexual molestation claims Assault & Battery included with the policy Limits available up to $5,000,000 Underwriting Notes and Minimums This is a non-admitted program with streamlined underwriting to speed placement for eligible risks. Key features: Flat rate per vehicle for simplified quoting A simplified application and quick quote turnaround $10,000 minimum premium $25,000 minimum retention Territories and Availability This program is available nationwide in all 50 states and the District of Columbia, offered on a non-admitted basis. If you have a multistate account or concentrated exposure in higher-risk territories, discuss placement options with the underwriting team. Why Work With VAIL and Capacity Excess VAIL specializes in value-added niche solutions and, through Capacity Excess, LLC, provides access to an underwriting team experienced in sexual misconduct and abuse exposures. Agents benefit from focused underwriting, responsive service, and a market that will consider difficult transportation risks other carriers may decline. To learn more, contact Carl Gerson at 201-661-2400 or email [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits school bus operators, charter bus companies, ambulance services, ParaTransit providers, and social service agencies that transport vulnerable populations. Does the policy cover Assault & Battery in addition to Sexual Molestation?Yes. The program now includes Assault & Battery coverage in addition to sexual molestation protections. What is the minimum premium for this coverage?$10,000 minimum premium with a $25,000 minimum retention. Is this program available in all states?Yes. The program is available nationwide in all 50 states and Washington, D.C., on a non-admitted basis. How quickly can I get a quote?VAIL and Capacity Excess use a simplified application and offer fast turnaround on quotes to help you move quickly for your clients. Need help placing an account? Connect with a market specialist.

"It's time to get on board with Capacity Marine" Grow Your Business with Our Marine Insurance Solutions Overview of the Marine Insurance Program from Capacity Marine Corp. Capacity Marine Corp., offered through VAIL - Value Added Insurance Lines, is a specialized wholesale brokerage and reinsurance intermediary with deep expertise in marine and international risks. Our Marine General Liability (MGL) program is built to serve complex marine accounts—helping agents and brokers place challenging risks with confidence. Our program is backed by strong carrier partners, including Hanover Insurance Group, and is available in most U.S. states. Whether your clients operate globally or from a single port, we are ready to help you simplify their coverage, satisfy port requirements, and protect their marine-related assets. Ideal Accounts and Appetite Our appetite spans a wide range of marine and port-related operations, including: Freight Forwarders and Logistics Providers Stevedores and Terminal Operators Marine Cargo & Warehouse Liability Hull & Machinery and Protection & Indemnity (P&I) Small Shipyards, Dry-Docks, and Ship Repair Yards Marine Contractors and Heavy Equipment Operators Blue and Brown Water Vessels Medical Schools and resorts with marine exposures—especially in the Caribbean We’re especially interested in tough classes like container yards, port authorities, boat builders, and marine mechanical repair operations. Coverage Highlights and Advantages We offer customized solutions that address the unique exposures of marine-related businesses. Some of the key benefits include: Marine General Liability tailored to meet Port Authority requirements Worldwide Marine Cargo including FedEx, UPS, and DHL shipments Warehouse Legal Liability In-house pricing authority for faster turnaround New $5,000 minimum premium—competitive and accessible Property coverage placements, including Caribbean property You might have a client who operates a bulk aggregate terminal with international shipments or a small ship repair yard in a port city—these accounts are right in our wheelhouse. Underwriting Notes and Minimum Premiums We provide in-house underwriting for faster quotes and tailored solutions. Our marine insurance program is designed to simplify coverage while meeting the regulatory and operational needs of your insureds. The program starts with a minimum premium of $5,000, offering strong value for comprehensive marine protection. Territories and Availability This program is available in nearly all 50 states, including coastal regions and inland operations. We currently write business in: 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, WY With a global coverage perspective and experience in placing international risks, we can accommodate accounts with worldwide exposures. Why Work With VAIL and Capacity Marine? VAIL partners with Capacity Marine Corp. to deliver unmatched expertise in marine and international insurance. As a wholesale broker with specialized focus, we bring: Decades of experience in marine and logistics exposures Access to top-rated carriers and proprietary programs Responsive service and in-house underwriting The ability to handle both standard and hard-to-place accounts Let us help you write more marine business—faster and smarter. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for freight forwarders, terminal operators, stevedores, shipyards, container yards, marine contractors, and other marine-related businesses with domestic or international exposures. Is there a minimum premium requirement?Yes, our marine insurance program has a minimum premium of $5,000, offering competitive value for comprehensive coverage. Which states is the program available in?We can write marine business in nearly all U.S. states, including coastal and inland regions. The program is available in 48 states plus Washington D.C. Can you handle hard-to-place or international marine risks?Yes, we specialize in placing complex and international marine risks, including Caribbean property and global cargo exposures. What carriers do you use for this program?This program includes access to top-rated markets such as the Hanover Insurance Group, with in-house underwriting available for fast turnaround. Need help placing an account? Connect with a market specialist.

VAIL - Value Added Insurance Lines Race Track Insurance from WSIB — Program Overview VAIL (Value Added Insurance Lines) places Race Track Insurance through the WSIB program for permanent facilities, temporary circuits, racing series and sanctioning bodies. This program is designed for motorsports exposures including testing and tuning, practice sessions and sanctioned race events. Coverage is typically written on an annual basis with premium developed from your client’s schedule of events and nature of activities. Ideal Accounts and Appetite Permanent or seasonal road courses, dirt tracks, oval tracks and drag strips Temporary circuits and special motorsports events (ride-and-drives, auto shows with driving elements) Driving schools, drift events, rally stages, auto crosses and auto launches Sanctioning bodies and racing series seeking participant accident or catastrophic medical limits Promoters who assume third-party liability through contracts (submitted for review) Coverage Highlights and Advantages General Liability and Participant Accident options tailored to motorsports exposures Commercial Auto and Commercial Property available where appropriate Liquor Liability, Directors & Officers and Management Liability for organizers and sanctioning bodies Catastrophic medical coverage specifically for sanctioning bodies Excess limits and high-limit capacity for large events Weather cancellation insurance and other event-specific products 24-hour claims service and loss control inspections to help manage risk Annual coverage available 24/7/365 to support year-round operations Underwriting Notes and Submission Requirements Underwriting is schedule-driven. For a prompt and accurate quotation, submit the following: Three years loss history (currently valued claims and trends) Completed and signed application Copies of contracts where your client assumes the liability of others Liquor application if the insured controls alcohol licensing or sales Photographs of the site and key activity areas Rules and regulations provided to participants Schedule of events (actual or proposed) Site diagram showing layout and distances between pits, grandstands, spectator areas and access points Common declinations include accounts with uncontrolled spectator access, poorly maintained barriers, or operations outside of sanctioning authority guidance. Each submission is reviewed for safety controls and event management practices. Territories, Admitted Status & Minimums This program is available through VAIL in all listed states: 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, WY. Admitted status: All Available Markets. Carriers vary by state and risk profile. There is no minimum premium required for consideration, though pricing is driven by event schedule and exposures. Why Place Race Track Business with VAIL Managing General Agency experienced in motorsports and specialty event programs Access to multiple carriers and high-limit capacity for complex events Dedicated underwriting focused on track operations, participant exposures and contractual risk transfer Responsive quote turnaround when full submission materials are provided Loss control support and 24/7 claims access help preserve client relationships Example Account Scenarios You have a regional road-course operator running 10 events per year with a driver school and occasional amateur races — the program can combine General Liability, Participant Accident and Excess limits tailored to the schedule. You represent a sanctioning body that requires catastrophic medical coverage and D&O protections for board members — VAIL can submit to WSIB markets that offer specialized coverages for organizers. Frequently Asked Questions What types of motorsports accounts fit this program?Tracks and events such as road courses, oval tracks, drag strips, rally stages, driving schools, auto crosses, drifting and sanctioned series are generally a good fit when they have defined event schedules, documented rules, and basic safety controls in place. What does VAIL need to get a quote?Provide a completed application, three years of loss history, a schedule of events, site diagrams, photographs, any contracts where liability is assumed, participant rules, and a liquor application if applicable. Are high limits and excess insurance available?Yes. VAIL works with multiple carriers through the WSIB program to place high limits and excess capacity depending on the size of the event and the insured’s risk profile. Which states and markets are available?The program is available across the listed U.S. states and DC. Admitted status and carrier availability vary by state; VAIL will identify the best market based on the account’s details. Need help placing an account? Connect with a market specialist.