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At M.J. Hall & Company, Inc., we provide a focused Hotel/Motel Insurance program built for hospitality exposures that often sit outside the standard or preferred markets. Whether your client runs a roadside motel, a boutique hotel, an apartment-hotel, or a residential hospitality facility with unusual features or prior losses, our program gives agents access to carriers that will consider harder-to-place risks. Our program is ideal for: • Hotels • Motels • Apartment Hotels • Time Shares • Bed & Breakfasts • Other temporary or permanent lodging facilities Overview of the Program From M.J. Hall This market is designed for lodging risks that standard carriers may decline because of location, building age, prior claims, or the amenities and recreational activities offered. M.J. Hall leverages excess & surplus lines relationships to give agents flexible placement options for accounts that require underwriting latitude. Ideal Accounts and Appetite We write a broad range of lodging operations, including: Properties with prior claims or unusual loss histories Older buildings or locations in higher-risk areas Operations with pools, spas, entertainment, or other recreational features Privately owned independents and franchise-affiliated properties You might use this program when a client’s roadside motel has an older structure, when a bed & breakfast is in a remote or seasonal area, or when a hotel needs cover for on-site amenities that complicate placement. Coverage Highlights and Advantages Carriers in this program can offer a range of options commonly needed by hospitality owners: Property and General Liability Business Interruption / Business Income Assault & Battery (where applicable) Liquor Liability for operations that serve alcohol Optional endorsements customized for hospitality exposures Our focus is on providing broad, practical coverage tied to underwriting flexibility so you can place difficult or unusual accounts more efficiently. Underwriting Notes and Minimum Premiums Underwriting is case-by-case. Minimum premiums depend on the risk profile and selected coverages; many accounts begin at $1,000 or higher. We accept submissions that may not qualify for admitted markets and submit to our excess & surplus lines connections. Accurate, complete submissions will produce faster and more precise quotes. Territories and Availability This Hotel/Motel Insurance program is currently available in: Alaska (AK) Arizona (AZ) California (CA) Hawaii (HI) Nevada (NV) Some admitted options may be available depending on the state and specific risk characteristics; otherwise placements are typically written through non-admitted E&S markets. Why Work With M.J. Hall & Company, Inc.? As an experienced excess & surplus lines broker, M.J. Hall maintains strong relationships with multiple carriers that understand hospitality exposures. We provide underwriting support, responsive service, and access to markets that will consider complex or declined risks. If you have a lodging account other brokers turned away, M.J. Hall can help you explore viable coverage solutions. Our team is ready to assist with your next hospitality submission—contact M.J. Hall to get started. For appointments or questions, email: [email protected] Frequently Asked Questions What types of accounts are a good fit for this Hotel/Motel Insurance program?This program fits hotels, motels, bed & breakfasts, apartment-hotels, and similar lodging facilities that may be older, located in higher-risk areas, have prior losses, or offer recreational amenities like pools or spas. Is this coverage available in all states?No. The program is currently available in Alaska, Arizona, California, Hawaii, and Nevada. Can you place accounts with prior claims history?Yes. We specialize in risks that standard admitted markets may decline because of claims, location, or other underwriting concerns. What is the minimum premium for this program?Minimum premiums vary by account and coverages selected, but typically start around $1,000 or higher depending on underwriting factors. What types of coverage can be included?Coverage options may include Property, General Liability, Business Income, Liquor Liability, Assault & Battery, and other endorsements relevant to hospitality operations. Need help placing an account? Connect with a market specialist.

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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Veracity Insurance Solutions, LLC offers a robust Amusement Centers Liability Insurance program designed specifically for agents and brokers who need reliable markets for entertainment and recreation-based clients. Through our Outdoor & Entertainment Programs, we provide access to multiple carriers and extensive coverage options tailored to the unique risks faced by amusement and family entertainment businesses. Ideal Accounts and Appetite Veracity’s program is well-suited for a broad range of entertainment and amusement-related operations. Whether you're working with a small local amusement center or a multi-attraction family entertainment venue, we can help you place coverage efficiently. Target classes include: Amusement Centers Family Entertainment Centers Go-Kart Tracks Laser Tag Arenas Skate Parks Golf Driving Ranges Batting Cages Bumper Cars and Boats Campgrounds Attendant-Operated Rides If you have clients operating a combination of these attractions, we can usually accommodate them under one policy. Coverage Highlights and Advantages Our program addresses the complex liability exposures inherent in amusement and recreation businesses. With access to multiple carriers, we help you secure competitive terms for your clients. Coverage typically includes: General Liability for premises and operations Products and Completed Operations Participant Liability for interactive attractions Property and Equipment Coverage Optional Excess/Umbrella Coverage We understand the operational risks associated with entertainment venues and can help you navigate coverage needs for unique exposures like ride operators, food services, and hosting large groups or parties. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size, scope, and risk profile of the operation. Our underwriting team evaluates each submission on an individual basis, looking at factors such as number of attractions, onsite staffing, safety procedures, and annual revenue. Submissions with well-documented safety protocols and risk management procedures are especially attractive. We offer flexible quoting options and quick turnaround times to help you serve your clients efficiently. Territories and Availability Veracity’s Amusement Centers Liability Insurance program is available in all 50 states and the District of Columbia. Whether your client is located in California, Texas, Florida, or anywhere in between, we have solutions to support you. Why Work With Veracity Insurance Solutions? As a Managing General Agency and Excess & Surplus Lines Broker, Veracity has deep expertise in niche and entertainment risks. Our team provides responsive service, market access, and underwriting insight to help you place challenging accounts with confidence. With our wide carrier network and tailored program design, we help you deliver the best coverage options available to your clients in the amusement and recreation space. Frequently Asked Questions What types of accounts are a good fit for this program?We target amusement centers, family entertainment centers, go-kart tracks, laser tag arenas, batting cages, skate parks, and similar recreational facilities. Is this program available nationwide?Yes, our Amusement Centers Liability Insurance program is available in all 50 states and the District of Columbia. Can this program accommodate multiple attractions under one policy?Yes, we can typically cover operations with multiple attractions—such as a center with go-karts, laser tag, and mini-golf—under a single policy. What underwriting information is needed to get a quote?We typically require a completed application, details about the attractions offered, safety procedures, and revenue estimates. Additional documents may be requested based on the risk. Does Veracity offer non-admitted options?Yes, we work with both admitted and non-admitted carriers to provide flexible solutions based on your client’s needs and the risk profile. Need help placing an account? Connect with a market specialist.