Atlantic Specialty Car Insurance Review [2021]

Atlantic Specialty car insurance for standard invidiuals is no longer offered. High-wealth clients can receive car coverage through their personal insurance lines or umbrella policies.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 20, 2021

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Company Details
Address: 605 Highway 169 North Suite 800
City: Plymouth
State: MN
ZIP Code: 55441
Phone Number: 781-332-7000
Year Founded: 1986
AM Best Rating: A+ (Superior)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Atlantic Specialty does not offer individual car insurance policies.
  • Atlantic Specialty provides personal lines of insurance for wealthy clients.
  • Atlantic Specialty offers an umbrella package which includes auto insurance.

If you are looking for Atlantic Specialty car insurance, you may be surprised to find that they no longer offer individual car insurance policies. This means that if you were looking to them as an insurer, you’re going to have to find an agent elsewhere who will be able to assist you, because you won’t be able to purchase Atlantic insurance.

Use our FREE tool to gather auto insurance quotes today. Just enter your zip code above!

What do you need to know about the Atlantic Specialty Insurance company?

Atlantic Specialty now specializes in the following coverage options:

  • Commercial property and liability insurance
  • Personal and professional lines of insurance
  • Marine insurance
  • Umbrella coverage
  • Environmental insurance

Within these categories, there are a few situations that do encompass auto insurance.

Atlantic Specialty has a personal line of insurance for High Wealth Clients.

To be covered under this category, you must have a six figure income, or higher, and a low debt to income ratio. If you qualify, you can receive package deal that includes:

  • Primary residence
  • Auto
  • Jewelry
  • Homes with coastal exposure

The only way to purchase an auto policy is through the package deal. If you qualify, you can contact their customer service to be set up with a licensed agent, who will go over the details of what you’re looking for, and find their product offerings that fit your needs. Be sure to get agent feedback on the company, as that inside perspective can be quite helpful.

This may seem as though it’s being done in malice, but generally when a company makes the decision to switch to a specialty insurance, it’s for a reason. If they had one bad faith claim too many, or if they couldn’t compete against other auto insurance carriers in terms of price, as a company they could have made the decision to no longer sell that sort of coverage and avoid the risk of stagnating. In this case, it’s unclear what the motivation was. The fact of the matter is that in order to qualify for Atlantic’s auto insurance policies, you need to meet their qualifications.

The other auto coverage option is through an Umbrella Policy. An umbrella policy covers any gaps in coverage from other policies.

This means that you would have to have another individual policy to cover your auto before taking on Atlantic Specialty’s umbrella coverage.

This coverage can be in the form of a personal umbrella or an excessive umbrella.

A personal umbrella will cover drivers between the ages of 23 and 75 with up to four violations and three accidents or drivers under 23 with up to two accidents and three violations.

It covers unlimited vehicles including motor homes. An excess umbrella package will cover drivers with more accidents and more violations as well as unlimited vehicles.

That being said, if you’re still looking for competitive prices and are considering an independent agency, you can do so, as there is a wide range of them out there. To compare these options with other car insurance companies use our free car insurance quote tool now! By getting comparisons, you can be sure that you’ll end up with affordable insurance.

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