Atlantic Specialty Lines, Inc. offers a flexible and responsive Umbrella/Excess Liability Insurance program designed to help insurance agents and brokers secure additional layers of liability protection for their clients. With access to top-rated carriers like United States Liability and a focus on primary-driven accounts, Atlantic Specialty Lines provides a streamlined path to coverage in a wide range of industries and risk classes.
Ideal Accounts and Appetite
This program is well-suited for accounts requiring higher limits of liability and can be tailored to meet the needs of various industries. Key areas of focus include:
- Excess Auto – Ideal for clients with significant commercial automobile operations, such as delivery services, transportation companies, or contractors with vehicle fleets.
- Contractors – Including general contractors, subcontractors, and specialty trade contractors seeking to meet contract requirements or supplement primary liability coverage.
- Primary-Driven Risks – Quick quote capabilities are available for accounts where the primary coverage is in place and meets underwriting standards.
You might have a client with a well-managed construction business or a regional transportation company that needs additional limits beyond their primary auto or general liability policies. Atlantic Specialty Lines can help you secure the excess coverage your client needs to protect against catastrophic losses.
Coverage Highlights and Advantages
- Available limits designed to sit over primary GL, Auto, and Employers Liability
- Competitive markets for a wide range of small to mid-size businesses
- Fast turnaround on quotes for eligible accounts
- Access to United States Liability and other quality carriers
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the risk class, limits requested, and underlying coverage. The program is designed to be competitive while balancing sound underwriting. Submissions with strong primary coverage, consistent loss history, and complete applications are more likely to receive favorable consideration.
Territories and Availability
This program is available 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 account and location.
Why Work With Atlantic Specialty Lines, Inc.?
As an experienced Excess & Surplus Lines Broker, Atlantic Specialty Lines, Inc. brings deep market access, underwriting knowledge, and a service-driven approach to helping agents place complex or layered liability risks. Whether you're looking to place a single contractor or manage a book of transportation clients, their team offers responsive service and competitive solutions across multiple states.
Frequently Asked Questions
What types of accounts are a good fit for this Umbrella/Excess Liability program?
This program is ideal for contractors, commercial auto operations, and other businesses seeking higher liability limits over primary policies. Accounts with clean loss histories and solid primary coverage are preferred.
Can I get a quick quote for a primary-driven risk?
Yes, Atlantic Specialty Lines offers quick quote capabilities for primary-driven accounts that meet underwriting criteria. Complete submissions help expedite the process.
What carriers are used for this program?
This program provides access to United States Liability and other competitive surplus lines markets, depending on the account and state.
Is coverage available in my state?
The program is currently available in 20+ states, including FL, NY, PA, VA, and others. Contact Atlantic Specialty Lines to confirm availability for your specific risk and location.
What is the minimum premium for this coverage?
Minimum premiums vary based on the risk class, coverage limits, and underwriting details. Submissions are reviewed individually for pricing.
Need help placing an account? Connect with a market specialist.