Professional Lines Insurance

Overview of the Program From Atlantic Specialty Lines, Inc.

Atlantic Specialty Lines combines broad market access with a focus on excess & surplus lines to help you place difficult or non-standard professional liability risks. The program supports both admitted and non-admitted placements depending on the class and jurisdiction, and is structured to provide tailored solutions for startups, small practices, and established firms across many professional services sectors.

Ideal Accounts and Appetite

This program targets a diverse set of industries and professional classes, including:

• Architects & Engineers (A&E)
• Real estate professionals and brokers
• Law firms and solo practitioners
• Environmental consultants and contractors
• Medical professionals and allied health providers
• Technology firms and miscellaneous E&O risks
• Executive liability for Directors & Officers (D&O)
• Employment Practices Liability (EPL)
• Miscellaneous professional services and consultants

Generally the program is well suited to small- and middle-market exposures and specialty niches that require non-standard terms or market flexibility. New ventures and startups are considered in many classes when submissions include adequate operational detail and evidence of professional experience.

Coverage Highlights and Advantages

Key coverage features available through Atlantic Specialty Lines’ Professional Lines program include:

• Professional liability limits and forms tailored to the insured’s industry
• Claims-made and occurrence policy forms, subject to carrier and class
• Options for defense outside the limits when provided by the carrier
• Flexible policy structures to address multi-state operations and varying regulatory needs
• Access to multiple admitted and non-admitted markets for broader placement options

The program is designed to handle both common professional classes and niche exposures that can be difficult to place in standard markets.

Underwriting Notes and Minimum Premiums

Minimum premiums vary by class, size of the risk, and carrier. Atlantic Specialty Lines works closely with agents to evaluate accounts and identify the best market placement. Submissions that typically result in faster, more competitive responses include a completed application, current loss runs (if applicable), and a clear description of operations and revenue by activity.

Territories and Availability

This Professional Lines program is available in the following jurisdictions:

Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, and Washington, D.C.

Coverage is commonly placed on an excess & surplus lines basis, with admitted or non-admitted options used where appropriate for the risk and state.

Why Work With Atlantic Specialty Lines, Inc.?

As an experienced excess & surplus lines broker, Atlantic Specialty Lines brings deep market relationships and practical underwriting experience to professional liability placements. Their strengths include responsive submission handling, flexible appetite for niche and hard-to-place accounts, and the ability to access multiple markets to find terms that meet your clients’ needs.

Whether you’re placing a one-off policy or managing a portfolio of professional clients, Atlantic Specialty Lines can help you craft tailored solutions and navigate admitted vs. non-admitted placement decisions.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.