Atlantic Mutual
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During the past decade, more and more insurance companies are denying claims and adding more exclusions. This policy eliminates the exposure of tens of thousands of dollars or more in legal fees when a claim is denied or excluded. Our policy defends the insured against exclusions, denials and claims outside your policy coverage. We provide an UNLIMITED defense through trial.

There are no deductibles. An insured never wants to encounter an unexpected expense. This policy will reduce the chances that the insured will incur potentially tens of thousands of dollars in unexpected legal fees. Many times an insured will blame their insurance agent when coverage is denied by the insurance company. With this policy, an insured will have the peace of mind that if coverage is denied or excluded, we will provide an attorney to defend the claim through trial.

This policy was created to eliminate the insured's risk of legal fees when a lawsuit or claim is denied or excluded from coverage. Consider the following: During the past decade, more exclusions have been added to policies; lawsuits are filed everyday; legal fees continue to rise; when claims or lawsuits are filed, insureds are faced with a denial of coverage, Our cost effective policy solves this dilemma.
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The following are just a few media headlines about how insurance companies have been denying claims and broadening the exclusions in their policies.
These articles demonstrate the need for our policy.
I have served as our HOA president for many years.
Our association was involved in litigation and our insurance carrier said the claim was excluded.
We spent tens of thousands of dollars in legal fees.
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