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LIMOUSINE INSURANCE FROM PROTRANS, INC. S...his program?This program is ideal for limousine services, black car operators,...

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Comprehensive Limousine Transportation Insurance for Flee...good fit for this program?Established limousine and executive transportation f...

Policy Highlights for Limousine Insurance: Colonial General Ins...s of accounts are a good fit for this limousine insurance program?Licensed limousine services offering private, exe...

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.

Specialized Disability Income Insurance for Professional Race Car Drivers Disability Income Insurance from WSIB, offered through VAIL - Value Added Insurance Lines, is a tailored solution designed to meet the unique needs of motorsports professionals. Whether purchased by an individual driver, a racing team, or a sponsor, this program provides essential income protection and reimbursement options in the event of injury or illness that prevents a driver from competing or fulfilling contractual obligations. Ideal Accounts and Target Classes This program is purpose-built for: Professional race car drivers seeking disability income protection Racing teams with contractual obligations to their drivers Sponsors with financial investments tied to driver appearances and performance If you work with clients in motorsports—including elite-level drivers, teams in national or international series, or sponsors with significant brand exposure—this program offers a rare and valuable solution. Coverage Highlights and Advantages Driver-Purchased Disability Coverage: 24/7 worldwide coverage—both on and off the track Temporary Total Disability (TTD) and Permanent Total Disability (PTD) coverage available Benefit payments on a per-race missed, weekly, or monthly basis Temporary benefits available for up to 60 months Permanent benefits paid as a lump sum to replace future income Available as standalone or combined coverage to increase total insured value Team-Purchased Disability Coverage: Reimburses teams for financial obligations if a driver becomes disabled Same 24/7 worldwide coverage and flexible deductible structures Flexible payment structures: per-race, weekly, or monthly Multi-year policy terms available Sponsor Investment Reimbursement: Reimburses sponsors if a driver misses races due to injury or illness Coverage based on a percentage of the sponsor’s investment Deductibles start at one race per claim Non-Appearance Coverage: Reimburses sponsors or teams for lost expenses due to a driver missing appearances, media events, or photo shoots Multi-year terms and flexible deductibles starting from one missed event Additional Options: Accidental Death: Lump sum benefit if a driver dies in an accident; can be extended to cover pit crew members Team Driver Replacement: Reimburses the team for substitute driver costs if the primary driver is unable to compete Life Insurance and Long-Term Care: Available upon request to round out the driver’s protection package Underwriting Notes and Minimum Premiums There is no minimum premium requirement, allowing for flexibility in structuring policies to meet the needs and budgets of individual clients. Deductibles and benefit structures are adjustable based on risk tolerance and policy design. Multi-year terms are available across most coverage options. Territories and Availability This program is available in all 50 states including DC. Whether your client is based in California, Florida, Texas, or anywhere in between, you can access this highly specialized coverage through VAIL. Why Work With VAIL As a Managing General Agency with access to a range of markets, VAIL brings deep expertise in niche and hard-to-place risks. Their motorsports disability program through WSIB is a unique offering in the market, reflecting a strong understanding of the risks and contractual complexities faced by drivers, teams, and sponsors. You can count on responsive service, underwriting insight, and flexible coverage solutions tailored to this fast-paced industry. Whether your client is a rising star on the track, a team manager with payroll exposure, or a sponsor investing in brand visibility, this program helps you deliver meaningful protection against the financial impact of driver disability or absence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professional race car drivers, racing teams with driver contracts, and sponsors investing in driver appearances or race performance. Can this coverage be customized for specific race series or teams?Yes, the program offers flexible policy structures, deductibles, and benefit options that can be tailored to the unique needs of different race series, teams, or sponsorship arrangements. Is the coverage available outside of the U.S.?Yes, this program provides 24/7 worldwide coverage, both on and off the track, making it suitable for international racing circuits. How are benefits paid under the Temporary Total Disability coverage?Benefits may be paid on a per race missed, weekly, or monthly basis, depending on the policy structure selected during underwriting. Can teams or sponsors purchase coverage on behalf of a driver?Yes, both teams and sponsors can purchase coverage to protect their financial interests in case a driver is unable to perform due to injury or illness. 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.