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...rders and Logistics Providers Stevedores and Terminal Operators Marine Car...ht forwarders, terminal operators, stevedores, shipyards, container yards, mar...

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Monoline Comp Insurance from Atlantic Risk Specialists Atlantic Risk Specialists, a division of VAIL – Value Added Insurance Lines, offers a flexible Monoline Workers' Compensation program built to place both standard and hard-to-place risks. With access to over 100 insurance markets and admitted and non-admitted options in select jurisdictions, this program delivers underwriting flexibility, fast turnaround, and multiple binding authorities so you can confidently meet your clients’ needs across a wide range of industries and risk profiles. Ideal Accounts and Appetite Premiums from $2,000 up to $5,000,000 Most class codes eligible (subject to premium size) New ventures and startups welcome High experience mods considered USL&H exposures handled from incidental to 100% You can place many account types here — from small contractors with problematic loss histories to established healthcare and transportation operations. If you have an insured with unique operations, significant payroll, or a high mod, Atlantic Risk Specialists can usually find an appetite through its broad carrier panel. Coverage Highlights and Advantages Multiple carrier options to match varied underwriting needs Same-day quoting and binding when within binding authority Competitive and aggressive payment plans to support client cash flow Tailored programs are available for charitable and welfare organizations, social service agencies, schools, day care and group homes, churches and counseling services, sheltered workshops, and a range of medical staffing and clerical/physician accounts. Specialized USL&H-exposed classes include ship builders and marine service companies, marine construction and tank cleaning, stevedoring and marine terminals, and offshore oil & gas operations. Tough Classes Over $75,000 in Premium For larger or higher-risk accounts (typically over $75k premium), the program welcomes complex classes such as: General contractors, roofers, steel erectors, foundation and framing contractors Transportation: truckers, taxis/limos, ambulance and convalescent transport Healthcare: hospitals, nursing homes, home healthcare Farming, slaughterhouses, quarries, sawmills and related agribusiness Security services including armored car operations and armed guards Underwriting Notes and Submission Requirements There is no minimum premium to submit. To obtain a timely quote, provide the following: Completed ACORD 130 application Four years of currently valued, hardcopy loss runs Experience mod worksheet or four years of historical payrolls Providing detailed descriptions of operations, subcontractor usage, and any recent safety or return-to-work programs will improve hit rates and speed placement. Territories and Availability This program is available in nearly every state — including CA, TX, FL, and NY — covering all 50 states and DC. Admitted options are available in select markets; non-admitted capacity is used where needed to secure placement. Why Work With VAIL and Atlantic Risk Specialists As a wholesale broker, VAIL brings decades of workers’ compensation experience and broad carrier relationships. Atlantic Risk Specialists combines in-house binding authority with creative underwriting and rapid turnaround so you can place both routine and challenged comp risks more efficiently. Our team focuses on solutions — whether you need admitted placement in a regulated state, non-admitted capacity for coverage gaps, or layered options for sizable accounts. Example account scenarios: You have a start-up roofing contractor with a short loss history and a high mod — the program can consider that risk and often find a market through its specialty carriers. You represent a regional nursing home group seeking admitted coverage in multiple states — Atlantic Risk Specialists can access admitted options where available and secure non-admitted capacity elsewhere. Frequently Asked Questions What types of accounts are a good fit for this Monoline Comp program?A wide range: social services, healthcare, contractors, marine operations, transportation, and other tough classes. New ventures and high-mod accounts are considered. Is there a minimum premium requirement to submit an account?No. There is no stated minimum premium. Typical placements range from about $2,000 up to $5 million in premium. Do you offer coverage for USL&H exposures?Yes. The program handles USL&H exposures from incidental to 100%, including marine construction, stevedoring, and offshore operations. Can you help with high-risk or tough classes?Yes. We specialize in tough-to-place risks such as roofers, truckers, armed guards, and other higher-exposure classes—particularly for accounts over $75,000 in premium. What is required to get a quote?Submit a completed ACORD 130, four years of currently valued hardcopy loss runs, and either an experience mod worksheet or four years of payroll detail. Need help placing an account? Connect with a market specialist.

...& Gas Service Providers Stevedores Welders If you have a clie..., marine contractors, welders, and stevedores. Accounts with maritime employee...

...nas with property exposures Stevedores and wharfingers Commercial and ...hip repairers and marine artisans, stevedores/wharfingers, hull & P&I ...

Formed in 2009 by an experienced team of industry executives, Breckenridge Insurance Services was built to deliver a collaborative wholesale brokerage and managing general agent platform tailored to maritime risks. Today Breckenridge offers a broad suite of property & casualty wholesale brokerage products, MGA programs and underwriter program expertise alongside financial services such as asset tracking — all placed with top-rated carriers. United States Longshore and Harbor Workers Compensation (USL&H) Program — Overview Breckenridge Insurance Services provides a targeted USL&H workers compensation program designed for traditional maritime occupations and other workers who are exposed to injury on navigable waters and adjoining areas (wharves, docks, terminals). We combine maritime underwriting experience with market access — including placement capability with an A.M. Best A+ XV carrier partner (Zurich) and other capacity — to offer competitive, comprehensive coverage for shore-based and waterborne maritime employers. Target Classes and Ideal Accounts This program is a fit for insureds engaged in: Stevedoring and longshore operations Shipbuilding, boat building and repair Marina operators and marine terminal operators Marine construction, dock and pier contractors Marine artisan contractors and ship cleaning You might place accounts such as a regional marina with year-round dock staff, a ship-repair yard that employs welders and installers, or a marine construction contractor working on piers and bulkhead repairs. The program also considers non-maritime employees if their work is performed on navigable waters and an injury occurs there. Coverage Highlights and Advantages Coverage tailored to claims that arise on U.S. navigable waters and adjoining areas used in loading and unloading vessels. Ability to place difficult-to-place maritime risks, including accounts with incidental marine employers’ liability (MEL) exposures. Access to multiple carrier options through Breckenridge’s wholesale relationships, including strong admitted capacity. Underwriting driven by maritime expertise — terms and price reflect real operational exposures and loss control considerations. Underwriting Notes & Minimum Premium Underwriting looks at payroll breakdown by class, job functions performed on navigable waters, vessel-related exposures, safety programs, and loss history. Minimum premium varies by account and state — please submit account detail (class codes, payroll, loss runs, operations description) for an accurate indication. Typical submissions that move quickly include clear descriptions of where work is performed (e.g., fixed docks vs. vessel-based) and any marine safety programs in place. Territories & Admitted Status Available in most U.S. states (AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC). Admitted availability: Most available states. Specific admitted/non-admitted placement will depend on class, exposure and carrier appetite. Why Work With Breckenridge on USL&H Business Specialized maritime underwriting expertise combined with wholesale distribution capabilities. Market access to multiple carriers, including A.M. Best rated admitted capacity for competitive placements. Experience placing both routine and harder-to-place maritime accounts, with solutions that consider incidental MEL where appropriate. Responsive submission review — detailed underwriting feedback helps you position the account for the best terms available. How to submit: Provide class codes and payroll by class, recent loss runs, a description of operations and where work is performed, and any safety or training programs in place. Breckenridge underwriters will review and provide appetite and next steps. Frequently Asked Questions What types of accounts are a good fit for Breckenridge’s USL&H program?Accounts that perform work on U.S. navigable waters or adjoining areas: stevedoring, shipbuilding and repair, marina operators, marine construction, dock contractors, marine terminal operators and marine artisan contractors. Non-maritime employees who work on navigable waters may also qualify. Does this program cover incidental marine employers’ liability (MEL)?Yes — the program can consider accounts with incidental MEL exposures. Coverage and terms depend on operations, limits requested, and carrier appetite; include details of vessel exposure and third-party operations in your submission. What information should I include with a submission?Provide payroll by class, class codes, detailed operations description (where work is performed), recent loss runs, and any safety or training programs. Clear documentation of waterborne vs. shore-based work speeds underwriting. Are there geographic or jurisdictional limits I should be aware of?The policy is intended for injuries occurring on U.S. navigable waters and adjoining areas. Availability is broad — most U.S. states and DC — but admitted vs. non-admitted placement varies by state and carrier. How is minimum premium handled?Minimum premium varies by state and carrier. Underwriting will confirm minimum premium requirements during the quoting process based on class mix, payroll and exposure. Need help placing an account? Connect with a market specialist.

...epair operations Wharfowners, stevedores, and terminal operators Offshore ...