Atlantic Specialty Lines, Inc. provides retail agents and brokers with access to flexible and competitive Property Insurance solutions through our extensive network of E&S markets. With over 30 years of experience as an Excess & Surplus Lines Broker, we specialize in placing challenging or unique property risks that may not fit standard markets. Whether you're working with habitational portfolios, vacant structures, or coastal exposures, we help you secure tailored coverage for your clients.
Ideal Accounts and Appetite
Our Property Insurance program is designed to accommodate a wide range of property types and occupancy classes, including:
- Condominiums and Townhouses
- Habitational risks, including apartment buildings and multi-family dwellings
- Coastal properties with wind exposure
- Vacant buildings awaiting renovation or sale
- Commercial warehouses and storage facilities
We are particularly effective in helping you place risks that are older, have prior losses, or fall outside of admitted carrier appetites.
Coverage Highlights and Advantages
We offer access to tailored property solutions underwritten by top-rated carriers, including United States Liability. Our markets provide flexible policy structures and enhancements to meet your insureds’ needs. Depending on the account, options may include:
- Special form or basic form property coverage
- Replacement cost or actual cash value options
- Wind and hail coverage (including coastal exposures)
- Vandalism and malicious mischief for vacant properties
- Optional endorsements depending on risk class and carrier
Our underwriting team works closely with agents to find solutions for difficult-to-place or non-standard risks, ensuring fast response times and competitive terms when possible.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the type of property, location, and occupancy. We encourage agents to submit complete applications and supporting documentation to expedite quoting and improve placement opportunities. Our experienced underwriters can quickly assess submissions and help guide you to the most appropriate market.
Territories and Availability
Atlantic Specialty Lines offers property coverage solutions in the following states: 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 DC.
Both admitted and non-admitted options may be available, depending on the nature of the risk and state regulations.
Why Work With Atlantic Specialty Lines, Inc.?
Atlantic Specialty Lines is a trusted partner to retail agents seeking a reliable wholesale broker for non-standard property placements. Our strong carrier relationships, underwriting knowledge, and service-first approach help agents secure coverage for properties that fall outside the box. We strive to make your job easier by offering responsive communication, fast turnaround times, and smart solutions for complex risks.
Whether you’re working with a coastal condo association, a vacant commercial building, or a small apartment complex with prior claims, we can help you find a market that fits.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for condos, townhouses, habitational risks, coastal properties, vacant buildings, and warehouses—especially those that may not qualify for standard markets.
Are coastal and wind-exposed properties eligible?
Yes, we can place coastal and wind-exposed properties, depending on the location and underwriting details. Submit a full application for the best chance at placement.
Is coverage available for vacant or partially occupied buildings?
Yes, vacant buildings are within our appetite, including those awaiting renovation, sale, or lease. Coverage options may include vandalism and other key endorsements.
What carriers are used for this property program?
We work with top-rated carriers, including United States Liability, to provide flexible and competitive E&S property insurance solutions.
Which states is this program available in?
Our property insurance solutions are 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.