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We are excited to announce elevated financial strength ratings:


Fair American Insurance and Reinsurance Company (FAIRCO) is now rated A++ Superior by AM Best and AA+ by S&P – superior ratings in the insurance industry. These credit ratings are among the highest in the industry for claims paying capabilities.


New ATRI Lead Side-A Product 


ATRI Insurance offers Lead Side-A DIC and Primary Side-A coverage for Public and Private Companies, Financial Institutions, Not-for-Profit Organizations, Professional Services Companies, Government Institutions and Public Officials.


Policies are issued primarily by Fair American Insurance and Reinsurance Company (FAIRCO) on an admitted basis and Fair American Select Insurance Company (FASIC) on a surplus lines basis.


Side-A Policy Highlights 


Our DIRECTORS AND OFFICERS SIDE A DIFFERENCE-IN-CONDITIONS POLICY and PRIMARY SIDE A are state-of-the-market with broad definitions, single and double reinstatement limits and provides dedicated coverage for Insured Persons on a Non-Indemnifiable Loss. 

  • Side-A capacity limits up to $15 million aggregate available

  • Broad difference-in-conditions coverage applies if the underlying insurer fails or refuses to indemnify an Insured Person, is financially unable to pay, or a liquidation or reorganization is commenced by or against the Company.

  • Expansive definitions of Claim, Company, Defense Costs, DIC Event, Insured Persons, Loss and Wrongful Acts

  • Just a single exclusion: for Personal Profit/Conduct

  • An additional limit of liability dedicated for Independent Directors

  • Coverage for civil, criminal, administrative, regulatory or arbitration proceeding or any appeal of an Insured Person

  • Coverage for violation of the United Kingdom Corporate Manslaughter and Corporate Homicide Act of 2007 or any similar statute in any jurisdiction

  • Coverage extensions for spouses, estates and family trusts

  • Extradition coverage for Insured Persons located in another country or sought to be surrendered by any other country for trial or otherwise to answer any accusation

  • Extended Reporting Period available for reporting of Claims to the Insurer that are made against Insured Persons

Our Primary Side-A can be deployed absent underlying ABC insurance or for a potential new buyer of Directors & Officers Liability Insurance.

ATRI offers a suite of Management & Professional Liability products including D&O/GPL/Side-A for Public, Private and Not-For-Profit companies. Ancillary lines including Fiduciary & Pension Trust Liability, Employment Practices and Fidelity on an excess basis. We also provide E&O coverage for Investment Advisors, Insurance Brokers, Mutual Funds, Lawyers and Miscellaneous Professional Liability.Please feel free to reach out to any one of us at ATRI to learn more, solicit quotes, or just say hello. Please also follow us on  LinkedIn, which will be a primary source for the latest news and information from ATRI.

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