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"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.

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.

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.

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.

...e and social services vehicles Limousines, shuttles, and paratransit provi... daycare and senior-center transport, limo/shuttle operators, and private scho...