Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 5, 2021

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Key takeaways...

  • Atlantic Mutual is now under ACE Private Risk Services
  • The Atlantic Companies were sold in 2008. However, customers can still purchase the same types of insurance through the new company
  • ACE offers liability coverage, comprehensive coverage, rental reimbursement, and damage repair

This Atlantic Mutual Car Insurance review will focus on the Atlantic Mutual Insurance Company based in New York City, New York. The company is no longer under the same management and has since adopted a new business name of ACE Private Risk Services. The company sells insurance to cover legal fees when your claims are denied.

While Atlantic Mutual is not a regular insurance policy, it can eliminate some of the financial hassles of dealing with stubborn insurance companies. They require any applicants have a general liability policy of at least $250,000 per occurrence as well as a directors and officers liability policy for the same amount and windstorm coverage on any covered properties.

Of course, having the right insurance coverage in the first place eliminates the need for this type of coverage. From the reviews, Atlantic Mutual has excellent customer service for policyholders. It’s critical to understand what you’re getting into before you ever need them.

There is no reason to pay more than you have to for auto insurance. Enter your zip code to make sure you are getting the best car insurance rates by comparing car insurance quotes for FREE with our comparison tool above!

About Atlantic Companies

The Atlantic Companies were sold in 2008. However, customers can still purchase the same types of insurance through the new company, ACE Private Risk Services.

While there is a company website available, you should contact a customer service representative directly if you are interested in purchasing an insurance policy because the website is not very comprehensive.

However, that being said the company does offer a large variety of auto insurance options to its customers.

Through ACE, you can get physical damage coverage that even takes care of a vehicle that you don’t own. You can also purchase liability coverage, comprehensive coverage, rental reimbursement, and damage repair.

You will have the choice over the auto repair shop that your vehicle goes to, and you can lock in the value of your car so that there is no depreciation in the event that your car is considered a loss. There are multiple discounts available.

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How Can You Find The Right Insurance Policy for Your Business?

When you run a business, you may need liability coverage, comprehensive coverage, rental reimbursement, and damage repair. That’s just your auto insurance coverage. Atlantic Mutual does not cover these kinds of costs. If you’re looking for auto other business insurance, you’ll need to have a foundational plan.

When you’re shopping for auto insurance, make sure you know what you’re buying. Are you getting comprehensive and collision? Is it worth getting that coverage for the cars you have? What kind of out of pocket losses can your business afford? Whether you’re running a family business or multi-million dollar corporation, these are critical questions to ask. Do you need commercial rental insurance to keep your business up and running if one of your cars is in the repair shop? Does your current policy have the kind of liability coverage you need? Moreover, what are the exclusions?

While you can sue after the fact, judges will generally uphold exclusions that are written into the policy ahead of time. A common exclusion is windstorm coverage, especially in states where windstorms are common. In this type of circumstance, businesses would need to get a separate windstorm policy. If you’re working with an independent insurance agent, they can look for red flags and advise you on the differences between insurance quotes. Then you can make an informed decision. You don’t have to go to an agent if you prefer to go online.

It will only take you a few minutes to find and compare car insurance quotes from the leading auto insurance providers online  it’s super easy and completely free! Just enter your zip code to get started now!


  1. https://www.nylb.org/atlanticMIC.htm
  2. https://www2.chubb.com/us-en/claims/ace-private-risk-services.aspx
  3. https://www2.chubb.com/us-en/about-chubb/
  4. https://www2.chubb.com/us-en/contact-us/contact-landing-page.aspx
  5. https://www2.chubb.com/us-en/individuals-families/automobiles.aspx