Ideal Accounts and Appetite
This program is a strong fit for personal lines clients with complex or non-standard liability exposures. Target risks include:
- Owners of up to four-family dwellings, condo units, and mobile homes
- Secondary and seasonal homes, including vacation properties
- Short-term rentals (e.g., Airbnb, VRBO)
- Dwellings with in-home business exposures, including daycares
- Vacant land up to 250 acres
- High-profile individuals with elevated liability concerns
- Homes undergoing construction or renovation (insured is not the general contractor)
- Applicants with prior liability losses within the past five years
For example, you may have a client who owns a vacation rental property on the coast or a homeowner running a licensed daycare from their residence—both are well within the appetite of this program.
Coverage Highlights and Advantages
Atlantic Specialty Lines works with United States Liability to offer broad and flexible coverage options, including:
- Comprehensive Personal Liability coverage for individuals and families
- Excess Liability limits up to $5 million for added protection
- Medical payments coverage up to $5,000
- Capacity to write risks with prior losses or unique exposures
This program allows you to provide your clients with peace of mind through enhanced liability protection, whether they own multiple properties, have high public visibility, or operate a personal business from home.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the risk profile, location, and coverage limits requested. Underwriting is flexible, with consideration given to applicants with prior losses or unique exposures typically declined by standard markets. Submissions involving construction, short-term rentals, or business use of the dwelling are reviewed on a case-by-case basis.
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, DC
Admitted and non-admitted options are available, depending on the state and specific risk.
Why Work With Atlantic Specialty Lines, Inc.?
With deep expertise in the excess and surplus lines market, Atlantic Specialty Lines, Inc. delivers service-driven solutions tailored to the needs of independent agents and brokers. Our access to top-rated carriers, flexible underwriting, and wide appetite make us a reliable partner for placing hard-to-place or specialty personal liability risks. We pride ourselves on fast turnaround times and strong relationships with our agency partners.
We appreciate your trust in Atlantic Specialty Lines, Inc. as your wholesale insurance partner.
Frequently Asked Questions
What types of accounts are a good fit for this Excess and Personal Liability program?
Ideal accounts include property owners with multiple dwellings, high-net-worth individuals, clients with in-home businesses, short-term rentals, and risks with prior liability claims.
Can I place coverage for homes under renovation or construction?
Yes, homes under construction or renovation can be considered, as long as the insured is not acting as the general contractor.
Is this program available in all states?
No, it is currently available in specific states including CT, FL, GA, IL, MA, NY, PA, VA, and others. Please check the full list to confirm availability in your state.
Are clients with prior liability losses eligible?
Yes, risks with prior liability losses within the past five years may be eligible, subject to underwriting review.
What carriers back this program?
This program is backed by United States Liability, an "A++" rated carrier.
Need help placing an account? Connect with a market specialist.