Hurricanes bring more than just high winds—they can cause flooding, fire, property damage, and extended business interruptions. As an insurance professional, you understand how critical it is to provide your clients with comprehensive protection before the storm hits. Atlantic Specialty Lines, Inc. offers access to competitive hurricane insurance solutions, including wind and named storm coverages, designed to safeguard both personal and commercial assets.
Overview of the Hurricane Insurance Program
Atlantic Specialty Lines partners with top-rated carriers, including United States Liability Insurance, to deliver flexible hurricane insurance options. Whether your client is a homeowner in a coastal state or a business owner with significant property exposure, our markets can help you secure the protection they need. We offer both admitted and non-admitted solutions, depending on the state and risk profile.
Ideal Accounts and Appetite
We can help you place a wide range of personal and commercial risks in hurricane-prone areas. Ideal accounts include:
- Homeowners in coastal states with high wind and flood exposure
- Retail businesses, restaurants, and offices concerned with business interruption or spoilage
- Small-to-mid-sized commercial properties with Total Insured Values (TIVs) requiring wind deductible buy-downs
We also welcome submissions for risks with complex deductible structures or those looking to move away from high wind/hail deductibles.
Coverage Highlights and Advantages
- Options for wind, named storm, and all other perils (AOP) deductibles
- Deductible buy-down coverage available for both wind and flood exposures
- Business interruption, spoilage, and loss of use coverage to protect operational continuity
- Policy structures that can dramatically reduce out-of-pocket costs after a storm—e.g., shifting from a 5% wind/hail deductible to a $500 AOP deductible
Our seasoned underwriters can guide you through deductible comparisons and advise on the best structure for your clients. For example, a $250,000 home with a 5% wind deductible could face a $12,500 out-of-pocket cost—whereas a policy with an AOP deductible from our Lloyd’s-based homeowner product could reduce that to as little as $500.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on location, property type, and coverage selections. We evaluate each submission individually and can tailor deductible options by TIV or coverage line. Our underwriters are available to help you create competitive, customized solutions that align with your clients’ risk tolerance and budget.
Territories and Availability
This program is available in the following states: CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC. Admitted options are available in some of these states; others are written on a non-admitted basis.
Why Work With Atlantic Specialty Lines?
Atlantic Specialty Lines is a trusted E&S broker with deep expertise in catastrophe-exposed risks. We understand the urgency involved in placing coverage before storm seasons and offer fast, knowledgeable support. Our access to strong markets and flexible policy structures helps you serve your clients with confidence—whether you’re writing a beachfront home or a high-volume restaurant concerned about business continuity.
Don’t wait until a binding moratorium prevents you from placing coverage. Our team is here to help you stay ahead of severe weather with proactive solutions that protect your clients and your E&O exposure.
Frequently Asked Questions
What types of accounts are a good fit for this hurricane insurance program?
This program fits both personal and commercial risks in hurricane-prone areas, including coastal homeowners, restaurants, retail stores, and small commercial property owners.
Can I get coverage for both wind and flood under this program?
Yes, we offer deductible buy-down options for both wind and flood. Our underwriters can help you tailor the policy to fit your client’s exposures.
What deductible structures are available?
We offer a range of deductible structures, including wind, named storm, and all other perils. Options can vary by property type and location.
Is this program available on an admitted basis?
Admitted solutions are available in some states. In others, the program is offered on a non-admitted basis through top-rated carriers.
How quickly can coverage be bound?
We strive for fast turnaround, but binding may be restricted if a storm is imminent. It’s best to secure coverage well in advance of hurricane season.
Need help placing an account? Connect with a market specialist.