Atlantic Specialty Lines, Inc. offers insurance agents and brokers access to top-tier Personal Umbrella Insurance and Excess Umbrella Insurance markets through an "A++" rated carrier. Whether your client is preferred, standard, high-risk, or has unique exposures such as a DUI or celebrity status, we have tailored solutions with limits up to $5 million or $10 million available in both standard and non-standard markets.
Ideal Accounts and Appetite
Our broad underwriting appetite includes a wide range of personal clients, such as:
- Preferred and standard homeowners with clean driving records
- High-risk individuals with prior violations or DUIs
- High-net-worth individuals and celebrities
- Owners of multiple properties or recreational vehicles
- Small farm and rural clients
You can confidently place accounts that require higher liability limits or have more complex personal risk profiles.
Coverage Highlights and Advantages
- Limits up to $10 million available for both primary and excess umbrella
- Excess UM/UIM included on every quote
- Coverage includes defense costs outside the limits
- Pre- and post-judgment interest included
- No schedule of underlying insurance required
- No annual aggregate limits
- Coverage for volunteer activities and host liquor liability
- Prescription drug liability considered
- Identity theft resolution services included at no cost
- Optional direct bill available for added convenience
Quick and Easy Quoting
You can receive
instant online quotes via
www.Simple-Rates.com or call us at
1-877-SMPL-R8S for a telephone quote. Our streamlined process helps you secure coverage efficiently for your clients.
Territories and Availability
This program is available in most states across the Eastern and Midwestern U.S., including:
CT, DE, FL, GA, IL, IN, KY, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC.
Most offerings are on an admitted basis, depending on the state.
Why Work With Atlantic Specialty Lines?
As an experienced Excess & Surplus Lines Broker, Atlantic Specialty Lines, Inc. offers responsive service, access to an "A++" rated carrier, and flexible solutions for hard-to-place and standard personal umbrella risks. Our team understands the challenges agents face in placing umbrella coverage for a wide range of clients—from everyday families to high-profile individuals.
Frequently Asked Questions
What types of accounts are a good fit for this Personal Umbrella program?
This program is ideal for both standard and high-risk personal lines clients, including those with multiple homes, recreational vehicles, past driving violations, or high public profiles.
What coverage limits are available?
You can access umbrella and excess umbrella limits up to $10 million, with flexibility based on your client’s risk profile and underlying coverage.
Is coverage available in my state?
This program is available in most Eastern and Midwestern states, including FL, GA, NY, PA, VA, and others. Contact us for specific state availability.
Do I need to provide a schedule of underlying policies?
No, a schedule of underlying insurance is not required, simplifying the submission and quoting process.
How fast can I get a quote?
Quotes are available instantly online through www.Simple-Rates.com or by phone, allowing you to quickly serve your clients’ needs.
Need help placing an account? Connect with a market specialist.