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 12 names in this directory beginning with the letter S.
Schedule
A list describing the property or items insured under the policy.
Secondary Beneficiary
An alternate beneficiary designated to receive payment, usually in the event the original beneficiary predeceases the insured.
Short Term Cancellation
Cancellation of an insurance policy prior to the expiration date in which a penalty in the form of a less than full pro-rata premium refund is allowed.
Single Interest Insurance
Insurance coverage for only one of the part ie shaving an insurable interest in that property. For instance, if a policy holder still owes money on his mortgage, and he does not have homeowners insurance, the lender may take out a single interest insurance policy to protect its own interest in the property. Single interest insurance protects only the policy owner, not the homeowner.
Special Class
Policies on which an extra premium rate is charged because an extra risk is presented.
Standard Provisions
Policy provisions required by law or supervisory regulation –such as provisions relating to grace period and incontestability.
Standard Risk
A person who, according to a life insurance company’s underwriting standards, is entitled to insurance protection without extra rating or special restrictions.
Stock Company
A company organized and owned by stockholders, as distinguished from the mutual form of company which is owned by its policyholders.
Subrogation
Assignment of rights of recovery from insured.
Substandard Risk
A person who is considered an under-average or impaired insurance risk because of his physical condition, family or personal history of disease, occupation, residence in unhealthy climate, or dangerous habits.
Surcharge
An extra charge added to a premium by an insurance company. For automobile insurance, a surcharge is usually added if a policyholder borrows money on the policy or if the policy lapses for non-payment.
Surrender Charges
Charges that are deducted if a life insurance policy or annuity is cashed in (surrendered). These charges also are deducted if the policyholder borrows money on the policy or if the policy lapses for non-payment.