High-energy neutrinos have thus far been observed in coincidence with timevariable emission from three different accreting black holes: a gamma-ray flare from a blazar (TXS 0506+056), an optical transient following a stellar tidal disruption (AT2019dsg), and an optical outburst from an active galactic nucleus (AT2019fdr). Here we present a unified explanation for the latter two of these sources: accretion flares that reach the Eddington limit. A signature of these events is a luminous infrared reverberation signal from circumnuclear dust that is heated by the flare. Using this property we construct a sample of similar sources, revealing a third event coincident with a PeV-scale neutrino. This sample of three accretion flares is correlated with high-energy neutrinos at a significance of 3.7σ. Super-Eddington accretion could explain the high particle acceleration efficiency of this new population.Accreting black holes have long been suggested as potential sources of high-energy particles (1, 2) and this expectation was supported by the detection of a high-energy neutrino coincident (at the 3σ-level) with gamma-ray flaring from the blazar TXS 0506+056 (3). However, blazars alone cannot account for the observed high-energy neutrino flux (4, 5); similar to the electromagnetic sky, we can expect that the observed cosmic neutrino flux (6) arises from multiple source populations (7).In the last two years, optical follow-up observations of neutrino alerts (8) using the Zwicky Transient Facility (ZTF, ( 9)) have identified two optical flares from the centers of galaxies coincident with PeV-scale neutrinos: AT2019dsg (10) and AT2019fdr (11). The former belongs to the class of spectroscopically-classified tidal disruption events (TDEs) from quiescent black holes, while the latter originated from a type 1 (i.e., unobscured) active galactic nucleus (AGN).However, the distinctive shared properties we present below suggest these flares share a common origin.