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... Atlantic Coast Surety The Surety Bond Specialists Surety Bonding Solutions for Contractors of ...ontractors secure bid and performance bonds, even if they have limited financial history. What types of bonds can I place through this program?You can place bid bonds, performance bonds, license and permit bonds, court bonds, fidelity bonds, and more. Is there a minimum prem...

... internal controls, or complex international exposures will require underwriti...d fit for Allstar’s Commercial Crime Surety Bond program?Good fits are small t...

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At NorthWin Insurance Services Our Specialty Is Insuring the Hospitality Industry Overview — Hotel / Motel Insurance from NorthWin (offered through VAIL) VAIL (Value Added Insurance Lines) offers the Hotel / Motel Insurance program underwritten and administered by NorthWin Insurance Services. This program is built for independent agents and brokers who need a hospitality-focused market with flexible placement options, responsive underwriting, and targeted risk management for hotels, motels and other short-term lodging operations. What this program does for your clients NorthWin’s program provides broad commercial property, general liability, business income/extra expense, and ancillary hospitality extensions designed to address the common exposures of lodging operators. The program emphasizes practical coverages and service that help your insureds reduce loss frequency, manage reputational exposures, and protect revenue streams from interruption. Ideal Accounts and Appetite Limited- and select-service hotels, motels and motor inns Small-to-mid-size full-service and boutique properties Extended-stay and economy lodging operations Single-location owners and small multi-location portfolios Typical fits are locations with standard lodging exposures: transient occupancy, on-site common areas, limited food & beverage operations, and routine recreational amenities. The program is best for accounts with documented loss control practices and reasonable claims histories. Higher-hazard exposures (large resorts with extensive recreational/attraction operations, high-limit liquor liability exposures, or complex food & beverage operations) may require additional review or alternate markets. Coverage Highlights and Advantages Hospitality-focused forms and endorsements tailored to hotel/motel exposures Property coverage including building, business personal property, and business income General liability with hospitality-specific considerations (slip/trip, guest injuries, etc.) Optional coverages: crime, liquor liability, cyber/privacy, and equipment breakdown (subject to underwriting) Risk management resources and loss control guidance designed for lodging operations Underwriting Notes and Minimum Premiums Underwritten and administered through NorthWin as a specialty hospitality program. VAIL places this program as a Managing General Agency channel for agents seeking hospitality expertise and flexible options. There is no stated minimum premium for placement through this program (No minimum premium), though individual submissions are subject to standard underwriting review, documentation, and carrier appetite. Provide complete submission materials for faster turnaround: ACORD applications, current loss runs (past 3–5 years), occupancy and revenue details, and details of any on-site operations such as restaurants, pools or spas. Territories and Availability Available in all U.S. states and the District of Columbia. Placement options may include admitted and non-admitted capacity depending on the state and specific risk characteristics. Confirm state availability with VAIL underwriters for complex or high-limit placements. Why Work With VAIL and NorthWin on Hotel / Motel Business Specialized hospitality underwriting and program administration from NorthWin VAIL’s wholesale distribution and service model gives agents access to tailored forms and responsive quoting Support for agents with risk control resources and program documentation Streamlined submissions and access across all U.S. states Example scenarios where this program fits: you have a 60-room limited-service hotel looking for combined property and liability coverage with business income protection; or you represent a trio of motels under common ownership seeking a single-market placement with consistent forms and loss control services. Download the NorthWin program brochure. Covered Classes Hotel Insurance Motel Insurance Hospitality Insurance Frequently Asked Questions What types of hotel or motel accounts are a good fit for this program?The program is geared toward limited- and select-service hotels, motels, extended-stay properties, and small full-service or boutique inns. It works best for single-location or small multi-location owners with standard hospitality exposures and documented loss control practices. What submission materials speed up underwriting?Provide a completed ACORD application, current loss runs (3–5 years), occupancy and revenue summaries, and details on on-site exposures (restaurants, pools, spas). Clear, complete submissions reduce follow-up and speed decisioning. Is this available in my state and is coverage admitted?The program is available across all U.S. states and DC. Placement may be admitted or non-admitted depending on the state and the specific risk; check with VAIL underwriters for state-by-state capacity and options. Need help placing an account? Connect with a market specialist.

...ported. Can this program cover international exposures?Yes, worldwide coverage...

... drivers, teams in national or international series, or sponsors with signific...the track, making it suitable for international racing circuits. How are benef...

...tection Surety Bonds International Liability and Employer Responsibi...

WE’VE GOT YOU COVERED. Employment Practices Liability Insurance from Trivedi, Offered by VAIL VAIL - Value Added Insurance Lines, a trusted wholesale broker, offers a comprehensive Employment Practices Liability Insurance (EPLI) program through Trivedi. This solution is designed specifically for agents and brokers seeking solid EPLI markets for clients in the hospitality industry and other sectors with employee-related liability exposures. With access to Fireman's Fund and other top-rated carriers, this program is available across most U.S. states and offers flexible underwriting tailored to your client’s needs. Ideal Accounts and Target Classes This EPLI program is especially well-suited for clients in the hospitality sector, including: Hotels and resorts Restaurants and food service operations Event venues and entertainment establishments However, VAIL can consider a broad range of industries with similar employment practices liability risks. Ideal accounts include those with full-time, part-time, leased, seasonal, and temporary workers—making this a flexible option for businesses with diverse staffing models. You might have a restaurant client looking to protect against claims stemming from wrongful termination or harassment. Or a hotel operator with a high seasonal workforce that needs coverage for discrimination and wage disputes. This program is designed to meet those needs. Coverage Highlights and Advantages Key features of the Employment Practices Liability Insurance from Trivedi include: Primary limits up to $1,000,000 Deductible options starting as low as $2,500 Coverage includes full-time, part-time, leased, temporary, and seasonal employees Protection for directors, officers, trustees, committee members, and spouses Defense for claims of discrimination, harassment, retaliation, negligent supervision, and more Duty to defend provisions Coverage for both monetary and non-monetary relief EEOC or state equivalent proceeding coverage Full prior acts coverage Additional Enhancements Illegal alien investigation proceeding coverage (sub-limit) Wage and hour (FLSA) coverage (sub-limit) Third-party EPLI coverage Underwriting Approach and Minimum Premiums VAIL offers a flexible approach to underwriting with no set minimum premium, making this program accessible to a wide range of business sizes. Deductible and limit options allow you to tailor protection to your client’s risk profile and budget. Availability and Market Access This program is available in most states, including but not limited to CA, FL, TX, NY, IL, and GA. Whether your client is in a rural town or a major metro area, chances are VAIL can help. Coverage is available through admitted markets in most territories, providing regulatory advantages where applicable. Why Choose VAIL? As a wholesale broker with deep expertise in niche markets, VAIL offers more than just access to carriers. You benefit from: Experienced underwriters who understand EPLI exposures Efficient quote turnaround and responsive service Strong market relationships with Fireman's Fund and others Support across 48 states plus DC When you partner with VAIL, you're working with a team that’s focused on delivering value-added solutions that help you win and retain clients. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?This program is ideal for hospitality businesses such as hotels, restaurants, and entertainment venues, as well as other industries with employee-related liability exposures. Is there a minimum premium requirement?No, there is no set minimum premium, allowing greater flexibility for smaller or seasonal businesses. What employee categories are covered under this policy?The policy covers full-time, part-time, temporary, leased, seasonal employees, as well as directors, officers, trustees, and committee members. Are wage and hour claims covered?Yes, wage and hour (FLSA) coverage is available as a sub-limit under this program. In which states is this program available?This program is available in most U.S. states, including CA, TX, FL, NY, and IL, among others. Need help placing an account? Connect with a market specialist.

Atlantic Risk Specialists, a division of VAIL - Value Added Insurance Lines, offers a nationwide Professional Liability Insurance program tailored for a broad range of professions and industries. With access to more than 100 admitted and non-admitted markets and placement capability in all 50 states plus Washington, DC, this program is designed to deliver competitive solutions for hard-to-place, niche, and complex professional risks. 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.