Risk Management – Help when you need it most.
At Atlantic Insurance Group we help manage your personal and professional risk with superior insurance products.
We are Risk Management Specialists
As your insurance adviser, we have the experience to navigate the unique risks you face every day.
We Give Forward
Giving Forward is intended to serve others in hopes that they will resonate with what we do as individuals and as an agency.
About Our Agency
Atlantic Insurance Group – Risk Management Specialists
Atlantic Insurance Group is a full-service insurance agency servicing clients in Maryland and its surrounding states, extending from New York to North Carolina. Since inception, the agency has written over 40,000 insurance contracts of various sizes and is consistently ranked as one of the top producers in the region.
Vision – Who We Are
A Community of Trusted Advocates and Advisors Delivering Extraordinary Client Value.
Mission – How We Do It
Our mission is to safeguard and insure our Client’s futures. We create customized insurance solutions. We do this by focusing on building and maintaining trusted Client relationships and by advocating for those Clients in an ever-changing and complex marketplace. Our knowledgeable Team focuses on Client education, risk-assessment, and overall value to provide an insurance service experience that exceeds expectations. “We help you when you need it most.”
Welcome to Atlantic Insurance Group 1:08
We help you prepare for whatever life throws your way.
Values – Why We Do It
See What Our Clients Have to Say
I chose Atlantic Insurance because the rates were reasonable, and the customer service is great. Everyone is nice and pleasant, and they go that extra mile that makes me smile. Thank you!Russell P.
The group is very easy to work with. They are very polite, respective and deal with issues very quickly. I highly recommend them.Kannon M.
Always looking out for our family...savings and improvements to protect the assets we have. Friendly and client-centered service. Greatly appreciated in this day and age when a hands on personal experience is rarely provided.Salvatore T.
Whenever I call it’s always a friendly conversation and never rushed - I love that. This gives me more breathing room to ask all of my questions, letting me make an informed decision on what kind of products I need/want. Because of this I have nothing but kind things to say.Allyson B.
Bodily Injury Liability Coverage
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby or a little spill of soda and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.