Atlantic Specialty Lines, Inc. offers a broad and flexible General Liability Insurance program designed for agents and brokers seeking solutions for a wide range of commercial clients. As an experienced Excess & Surplus Lines Broker, Atlantic Specialty Lines provides access to multiple carriers and markets to help you place complex or hard-to-place risks with confidence.
Ideal Accounts and Appetite
This program is well-suited for a variety of commercial risks, especially those with unique exposures or non-standard characteristics. Key areas of concentration include:
- Construction (contractors, artisan trades, general contractors)
- Lessor’s Risk (commercial property owners and landlords)
- Manufacturing (light to moderate hazard classes)
- Mercantile businesses (retailers, wholesalers)
- Habitational (apartments, condos, multi-family dwellings)
- Special Events (temporary or seasonal event exposures)
- Hospitality (restaurants, bars, nightclubs, hotels, and motels)
Additionally, mono-line Liquor Liability is available for accounts such as bars, taverns, restaurants, hotels, and motels—ideal for clients with significant liquor sales or unique operational risks.
Coverage Highlights and Advantages
Atlantic Specialty Lines provides tailored General Liability solutions that help your clients manage premises liability, products/completed operations, and contractual liability exposures. The program is designed to address the day-to-day risk concerns of small to midsize businesses and specialty industries where standard markets may not be an option.
Whether you're working with a general contractor who subcontracts out most of their work or a banquet hall that hosts large-capacity events, this program can help provide the liability protection they need.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on class and risk characteristics. The underwriting team at Atlantic Specialty Lines is responsive and knowledgeable, helping to guide submissions through efficiently. Risks with prior claims, higher hazard operations, or unusual exposures may still be considered on a case-by-case basis depending on the carrier appetite.
Territories and Availability
General Liability coverage 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. This program is written on a non-admitted basis, allowing for greater flexibility in coverage terms and risk selection.
Why Work With Atlantic Specialty Lines?
Atlantic Specialty Lines brings extensive market access and underwriting expertise to help independent agents and brokers find competitive solutions for their clients. With experience across a wide range of industries and a commitment to service, ASL is a strong partner for placing General Liability accounts that fall outside the standard market.
If you're working with a client who owns a small hotel with an on-site bar or a contractor with a mix of residential and light commercial work, Atlantic Specialty Lines can help you secure the coverage they need.
Frequently Asked Questions
What types of accounts are a good fit for this General Liability program?
This program is ideal for construction trades, lessor’s risk, manufacturers, retail and mercantile businesses, habitational properties, hospitality operations, and special events.
Is Liquor Liability available through this program?
Yes. Mono-line Liquor Liability is available for bars, taverns, restaurants, hotels, and motels.
Are admitted or non-admitted carriers used?
This program is placed through non-admitted carriers, allowing for flexibility in underwriting and coverage customization.
What is the minimum premium for coverage?
Minimum premiums vary depending on the risk class and underwriting factors. Contact Atlantic Specialty Lines for specific pricing guidance.
In which states is this program available?
The program is available in CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC.
Need help placing an account? Connect with a market specialist.