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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.

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Atlantic Coast Surety The Surety Bond Specialists Surety Bonding Solutions for Contractors of All Sizes Bid and Performance Bonds for Any Size Contractor Atlantic Coast Surety, offered through VAIL - Value Added Insurance Lines, is your go-to partner for placing a wide range of surety bond needs. Whether you're working with a small contractor just starting out or a large firm managing complex infrastructure projects, we provide tailored bonding solutions that help you close deals and support your clients' growth. Ideal Accounts and Appetite Our program is built to serve contractors of all sizes and specialties, including those who may not qualify for standard markets. We write: General and specialty contractors Start-up contractors with limited financial history School bus operators and transportation-related businesses Developers and builders needing subdivision or improvement bonds You might have a client bidding on a municipal paving project or a contractor expanding into public school renovations—both are great fits for our bonding program. Coverage Highlights and Bond Types We offer access to both standard and specialty markets, including Treasury-listed sureties. Our goal is to help you secure the right bond with competitive terms and fast turnaround. Available bond types include: Bid Bonds Performance and Payment Bonds Subdivision Bonds Site Improvement Bonds License & Permit Bonds Motor Vehicle Dealer Bonds Court Bonds Fidelity and Service Contractor Bonds Underwriting Approach and Minimum Premiums Our underwriting team understands the nuances of the construction and service industries. We can structure customized programs for your insureds, whether they need a single bond or an ongoing bonding line. There is no minimum premium required, making this a flexible solution for smaller or emerging contractors. States and Availability The Surety Bonding program is available in most U.S. states, including AL, AZ, CA, FL, GA, IL, NY, TX, and many more. Our broad state availability means you can rely on us as a national resource for your bonding needs. Why Work With VAIL and Atlantic Coast Surety? Backed by the wholesale expertise of VAIL - Value Added Insurance Lines, Atlantic Coast Surety offers personalized service, deep market access, and the experience to handle both routine and challenging placements. We specialize in finding solutions where others may fall short—especially for emerging contractors or unique bond requirements. Let us help you grow your book by delivering fast, reliable surety solutions tailored to your client’s needs. Frequently Asked Questions What types of accounts are a good fit for this program?We work with contractors of all sizes, including general contractors, school bus operators, and developers in need of subdivision or improvement bonds. Do you offer bonding solutions for new or small contractors?Yes, we specialize in helping start-ups and smaller contractors 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 premium requirement?No, there is no minimum premium, making it accessible for small and emerging contractors. In which states is this program available?This program is available in most U.S. states, including but not limited to CA, FL, TX, NY, GA, and IL. 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.

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.

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