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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.

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.

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.

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.

MOTORSPORTS DIVISION WSIB’s Motorsports Division, offered through VAIL - Value Added Insurance Lines, is built specifically to meet the insurance needs of the motorsports industry, including race teams at all levels—professional, semi-professional, and amateur. Whether your client runs a multi-car professional operation or is a weekend racer, this program has the flexibility and expertise to provide tailored protection. Our Race Team Insurance program also extends to motorsports product retailers and manufacturers, offering a comprehensive risk solution for a wide range of businesses involved in the racing ecosystem. This makes it an ideal resource for agents and brokers looking to place business related to competitive motorsports or associated industries. Our program is underwritten by a select group of highly rated insurance carriers, ensuring both financial stability and quality coverage. As a Managing General Agency (MGA), VAIL brings niche expertise and access to markets that many standard carriers cannot accommodate. Eligible Risks Racing Teams (Professional, Semi-Professional, Amateur) Racing Product Retailers Racing Product Manufacturers Other Motorsports-Related Operations — Please Contact Us to Discuss Coverage Highlights Commercial Auto – Covers haulers, support vehicles, and more Crime – Forefront – Protection against employee dishonesty and other financial crimes Excess Liability – Higher limits available to meet contractual or event requirements General Liability – Broad protection for premises and operations Inland Marine – Covers race vehicles, tools, and spare parts in transit Off-Track & Storage – Coverage for vehicles and equipment not in active use On-Track Physical Damage – Specialized protection during racing activities Owners & Sponsors – Additional insured options for stakeholders Product Liability – Ideal for manufacturers and distributors Property – Covers garages, workshops, and inventory Workers' Compensation – Required protection for team staff and pit crews Underwriting and Minimum Premium There is no minimum premium requirement for this program, making it accessible for both small and large accounts. Underwriting is handled in-house and supported by years of motorsports-specific experience, allowing for efficient quoting and tailored solutions. Territory and Availability This program is available in all 50 states plus the District of Columbia: 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. Coverage is offered through all available markets, and options may be admitted, non-admitted, or both depending on the specific risk and state. Why Work With VAIL and WSIB? VAIL, in partnership with WSIB’s Motorsports Division, offers agents and brokers access to an established program that understands the unique exposures of motorsports. Whether you're working with a late model dirt team, a road race crew, or a parts distributor specializing in performance gear, this program delivers competitive options and responsive service. You might have a client who owns a regional drag racing team that needs on-track damage coverage and workers' comp for their pit crew. Or perhaps a start-up parts manufacturer needs product liability and inland marine for tools and equipment — both would be excellent fits for this program. Let VAIL and WSIB help you place your motorsports business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include professional and amateur racing teams, motorsports equipment manufacturers, and racing-related retailers. Can this program cover on-track physical damage?Yes, on-track physical damage is one of the key coverages available, making it suitable for competitive racing teams. Is there a minimum premium requirement?No, this program does not have a minimum premium, allowing flexibility for both small and large operations. Which states is the program available in?The program is available in all 50 states and Washington, DC. What types of businesses besides race teams can be covered?Other eligible businesses include motorsports product manufacturers and retailers, as well as related operations. Contact us to discuss specific risks. 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.

Beauty Insurance Consultants is your trusted partner for Cosmetic Industry Insurance. As a specialized program under VAIL - Value Added Insurance Lines, we offer tailored coverage solutions for a broad range of businesses in the cosmetics and personal care sectors. Whether you're working with a boutique skincare line or a global cosmetics distributor, our program is designed to address the unique exposures of this dynamic industry. Ideal Accounts and Appetite Our program is built to serve the full supply chain of the cosmetic and personal care industry, including: Cosmetic Manufacturers Distributors, Importers, and Exporters Raw Material and Component Suppliers Retailers and Wholesalers (online and brick-and-mortar) OTC Product Suppliers Beauty and Spa Equipment Vendors Spas and Salons If you're placing coverage for a start-up cosmetics lab, an established spa franchise, or a packaging supplier, we have the flexibility and expertise to help you secure the right insurance solution. Coverage Highlights and Program Features Product & General Liability tailored to cosmetic products Occurrence Form available for broader protection Liability limits up to $1,000,000 with unlimited umbrella capacity Blanket Additional Insureds and Broad Form Vendors coverage Demonstrators Liability for in-store or event sampling Industry-specific property enhancements available Worldwide coverage for both liability and property Coverage for Ocean & Inland Marine, Business Auto, and more Additional Benefits and Flexibility Low minimum premiums — making it accessible for emerging brands Various deductible options for customized risk tolerance Supplier Certificate Review as part of risk management support Territories and Program Availability This program is available nationwide in all 50 states, including DC. From California to New York, our reach ensures you can place business across a wide geographic area with confidence. Why Work With Beauty Insurance Consultants Through VAIL As a division of VAIL - Value Added Insurance Lines, Beauty Insurance Consultants brings focused expertise to an evolving and competitive industry. We understand the regulatory, reputational, and product liability risks that beauty and cosmetic businesses face. Our team offers responsive service, flexible underwriting, and solutions that keep pace with the market — whether your client is launching a new serum or distributing wellness products globally. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include cosmetic manufacturers, distributors, importers, retailers, spas, and beauty equipment suppliers. We can accommodate both startups and established businesses. Is there a minimum premium for this program?No, there is no set minimum premium, making it accessible for smaller or emerging businesses in the cosmetic industry. What coverage forms are available?We offer occurrence form coverage, which provides protection for claims that occur during the policy period, regardless of when they are reported. Can this program cover international exposures?Yes, worldwide coverage is available for both liability and property risks, which is beneficial for clients with global operations or exports. In which states is this program available?The program is available in all 50 states and Washington, DC, offering broad flexibility for agents placing business across the country. Need help placing an account? Connect with a market specialist.