wright-flood-insurance
Wright Insurance
Claims: 877-270-4329
www.wrightinsurance.com

upc-insurance
UPC Insurance
Claims: 888-256-3378
www.upcinsurance.com

wright-flood-insurance
Windhaven Insurance
Claims: 866-595-4080
www.windhaven.com

Federated National
Federated National
Claims: 800-293-2532
www.fednat.com

Cypress Insurance
Cypress Property & Casualty
Claims: 888-352-9773
www.cypressig.com

wright-flood-insurance
Universal P & C
Claims: 954-958-1205
www.universalproperty.com

wright-flood-insurance
Citizens Insurance Agency
Claims: 1-866-411-2742
www.citizensfla.com

wright-flood-insurance
Avatar Property & Casualty
Claims: 877-233-3228
www.avatarins.com

southern-oak-insurance
Southern Oak Insurance
Claims: 877-900-2280
www.southernoakins.com

foremost-insurance
Foremost Insurance
Claims: 800-527-3907
www.foremost.com

southern-oak-insurance
Monarch National Insurance
Claims: (800) 293-2532
www.monarchnational.com/

Lloyds of London
Lloyds of London Insurance
Claims: 800-527-3907
www.lloyds.com/

TAPCO
TAPCO Insurance
Claims: (800) 548-1489
www.secure.gotapco.com

Cabrillo Coastal
Cabrillo Coastal Insurance
Claims: (866) 482-5246
www.cabgen.com/

GeoVera Specialty
GeoVera Specialty Insurance
Claims: (877) 642-1815
www.geovera.com/

US Coastal
US Coastal Insurance
Claims: (866) 482-5246
www.uscoastal.com/

Ascendant
Ascendant Insurance
Claims: (877) 834-4990
www.acicompanies.com

US Coastal
Universal North America
Claims: 866-999-0898
www.uiha.com/

Ascendant
People’s Trust
Claims: 877-333-1230
www.peoplestrustinsurance.com

Atlantic Insurance Group Resources:

At Atlantic Insurance Group, we’re firm believers in “knowledge is power.” We hope you’ll take a moment and explore the resources provided below. We look forward to the privilege to work with you to tailor an insurance program that truly meets your needs and provides you with sound coverage and peace of mind.

Glossary

A B C D E F G H I J K L M N O P Q R S T U V W
There are 14 names in this directory beginning with the letter E.
Earned Premium
The portion of the total policy premium that has been “used up” during a policy term. With a one-year policy, half of the total premium has been earned after six months.
Effective Date
The date on which an insurance binder or policy goes into effect.
Endorsement
A written agreement attached to a policy expanding or limiting the benefits otherwise payable under the policy. Also called a “rider.”
Equipment Floater
A property insurance coverage for equipment that is often moved from place to place.
Estimated Premium
A preliminary premium amount that could be adjusted based on a variance in exposures.
Evidence of Insurability
To qualify for a particular policy at a particular price, companies have the right to ask for information about health and lifestyle. An insurance company will use this information – the evidence of insurability – in deciding if your application for insurance is acceptable and at what premium rate.
Excess and Surplus Lines Insurance
Coverage that is provided by insurers not licensed in states where the risk is located.
Excess Liability Policy
A policy that provides additional limits in excess of an underlying liability policy.
Exclusions
Items or conditions that are not covered by the general insurance contract.
Expense Ratio
The ratio of a company’s operating expenses to premiums.
Expiration Date
The specified date and time at which the policy terminates.
Exposure
Measure of vulnerability to loss, usually expressed in dollars or units.
Extended Coverage
An extension of the fire policy to cover the additional perils of windstorm, hail, explosion, or riot, attending a strike, civil commotion, aircraft, vehicle and smoke.
Extended Term Insurance Option
A policy provision that provides the option of continuing the existing amount of insurance as term insurance for as long a period of time as the contract’s cash value will purchase.