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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.

Directors and Officers Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a comprehensive Directors and Officers (D&O) Liability Insurance program tailored to address the evolving risks faced by executives and board members. As a wholesale broker with access to multiple carriers, First Choice provides insurance agents and brokers with a reliable market to place D&O coverage for privately held companies, publicly traded firms, and non-profit organizations. Ideal Accounts and Appetite This D&O program is designed for a broad range of businesses and organizations where leadership could be exposed to personal liability due to management decisions. Target classes include: Privately held and publicly traded companies Non-profit organizations and associations Educational institutions and healthcare entities Technology firms and financial services companies Accounts with a stable financial history and strong internal governance are typically a good fit. You might have a client who recently brought in new investors and needs D&O coverage to protect the board, or a growing non-profit where the board of directors is concerned about fiduciary responsibility exposures. Coverage Highlights and Advantages Directors and Officers Liability Insurance provides essential protection against claims arising from alleged wrongful acts committed by directors and officers in their capacity as leaders. Policies typically include: Insuring Agreement A (A-Side Coverage): Direct coverage for directors and officers when the company cannot indemnify them. Insuring Agreement B (B-Side Coverage): Reimbursement to the company when it indemnifies its directors and officers. Optional Entity Coverage: Protection for the corporation against securities-related claims, if applicable. Defense Costs: Covered for investigations, regulatory actions, and lawsuits. This program is structured to address both individual and corporate exposures, making it a strong solution for clients facing increasing scrutiny from shareholders, regulators, or the public. Underwriting Notes and Minimum Premiums First Choice works closely with agents to evaluate financials, loss history, and management practices. While minimum premiums are not listed, submissions should include full applications, financial statements, and claims history for best consideration. Non-admitted options provide greater underwriting flexibility for complex or higher-risk exposures. Territories and Availability This D&O insurance program is available on a non-admitted basis in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. First Choice offers regional expertise backed by national market access. Why Work With First Choice Insurance Intermediaries, Inc.? As a trusted wholesale broker, First Choice Insurance Intermediaries, Inc. brings deep experience in D&O and executive liability lines. They offer responsive service, a diverse carrier network, and the underwriting insight agents need to place complex risks. Whether you're working with a startup or a mature company, First Choice can help you deliver tailored solutions that protect your clients’ leadership teams. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private and public companies, non-profits, and professional organizations with board-level exposures and a need for executive protection. Does this program offer entity coverage for securities claims?Yes, many policies available through First Choice offer optional entity coverage for securities-related claims, subject to underwriting approval. Is the coverage admitted or non-admitted?This program is written on a non-admitted basis, allowing for greater flexibility in underwriting and coverage customization. What underwriting information is needed to submit a risk?Typical submissions should include a completed D&O application, current financial statements, and a history of any past claims or litigation involving directors or officers. In which states is this program available?This program is available in 30 states, including CA, FL, NY, TX, IL, and others. See the full list above for complete availability. Need help placing an account? Connect with a market specialist.

Allow NAESIP's Value Added Services to Help Improve the Health and Profitability of Your Environmental Business NAESIP, offered through VAIL – Value Added Insurance Lines, is your go-to wholesale broker for Environmental Insurance solutions. We specialize in providing agents and brokers with comprehensive coverage options tailored to the complex risks faced by environmental contractors, consultants, and firms. Whether your client handles hazardous materials, performs remediation, or provides environmental consulting services, our program is designed to help you control insurance costs while maintaining strong coverage. Valuable Resources to Support Your Clients Environmental Publication Resource Environmental Sector Jobs Improving the Health and Safety of Families Online Personnel Screening Service Online Training Programs Safety First and E-Driver File Insurance Review (NAESIP) Coverage Highlights Coverages: General Liability Pollution / Professional Liability Excess and Job-Specific Excess Transit Pollution Onsite Environmental Coverage Tank Insurance Cost Cap Insurance Coverage Enhancements Property and Inland Marine Business Automobile Special Endorsements Workers’ Compensation Pending New Services Fleet Safety Program Legal Services OSHA Medical Monitoring Risk Seminars Ideal Accounts and Appetite This program is ideal for environmental contractors, site remediation firms, environmental consultants, waste haulers, and industrial cleaning services. You might have a client involved in underground tank removal, hazardous waste transportation, or mold/asbestos abatement. Those are the types of operations we understand well and insure effectively. Underwriting and Premium Info There is no minimum premium requirement, making this a flexible solution for accounts of all sizes. Underwriting is responsive and backed by years of experience in environmental exposures. We can assist with complex submissions and provide risk management support to improve insurability. Territory and Market Access Coverage is available in nearly every state, including 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. Most markets are available on an admitted basis, giving you peace of mind and smoother compliance for your insureds. Why Work with VAIL / NAESIP? VAIL – Value Added Insurance Lines, through NAESIP, delivers more than just insurance placements—we offer tools and services that help improve your clients' operations and risk profiles. From training and personnel screening to legal services and OSHA monitoring, our value-added approach helps differentiate your agency. We understand the unique challenges of environmental businesses and provide the coverages and support systems to help you grow your book with confidence. For all of your Environmental Insurance risks, contact NAESIP today! Frequently Asked Questions What types of accounts are a good fit for this Environmental Insurance program?This program is well-suited for environmental contractors, consultants, remediation specialists, waste haulers, and firms involved in pollution-related services. Is there a minimum premium required to access this program?No, there is no minimum premium. The program is designed to accommodate a wide range of account sizes. Are the markets admitted or non-admitted?Most available markets are admitted, offering compliance advantages and stability for your insureds. In which states is this program available?The Environmental Insurance program is available in all 50 states plus Washington, DC. What added services are included with this program?NAESIP offers value-added resources like online training, personnel screening, fleet safety, and OSHA medical monitoring to support your clients’ risk management efforts. Need help placing an account? Connect with a market specialist.