Atlas General Insurance Services Reviews

Do They Provide A Good Value For Consumers?


TLTR: This insurance review by Agency Height is our detailed analysis of Atlas General Insurance Services. We pay special attention to the coverage they provide as well as their client service. We also go over some key pros and cons and some other important considerations of Atlas General Insurance Services to help you decide.

Atlas General Insurance Services is a full-service program administrator that provides various insurance options. With a wide range of insurance carrier partners, Atlas has very good experience establishing and underwriting customized products.  

In this blog

About Atlas General Insurance Services 

Atlas General Insurance Services was founded in 2009 primarily for California workers’ compensation. Over the last 19 years, the company has grown exponentially, becoming a national operator with a diverse product line, including a segment dedicated to specialty property needs. 

Atlas’s collaboration on Worker’s compensation coverage with Falls Lake Insurance Companies has broadened its industry reach. Further, the company is continuously looking to expand its varied product portfolio through exclusive carrier programs while maintaining high service standards.

Atlas- Pros and Cons



  • Good experience in providing insurance.
  • Focuses on customers more than others.
  • Affiliated with well-known companies such as Falls Lake Insurance Company, Accredited Surety & Casualty, Starstone, and many more.
  • No specific discounts and offers. 
  • The website is not very mobile-friendly. Also, it isn’t easy to navigate the available policies. 
atlas general insurance services infographic

Image: Atlas General Insurance Services Statistics

Products and Services From Atlas

Atlas General Insurance Services is well known to all the carriers for delivering specialized and exclusive programs to insurance brokers. On the other hand, Atlas offers its producers and customers speedy turnaround times on submissions and reasonable costs. Some products and services they have specialized for their customers are as follows. 

Specialty Property 

The Specialty Property Division of Atlas offers various coverage on “Difference in Conditions” for commercial property hazards like apartments, condominiums, shopping centers, retail/wholesale, office buildings, manufacturing, and other industrial occupancies. 


  • The difference in Conditions including earthquake, EQSL, and flood (flood excluded in flood zones A &V) 
  • Earth movement available in an Excess position


  • Available limits 

    • $56,000,000 Primary 
    • $27,500,000 Excess 

Unacceptable Classes

  • Cannabis Industry 
  • Chemical manufacturers 
  • Gas and electric utilities 
  • Historical buildings 
  • Hospitals built before 1995 
  • Large municipalities 
  • Oil and petrochemical risk 
  • Pharmaceutical manufacturers
  • Unreinforced masonry or brick buildings (without evidence of retrofitting) 
  • Wind/solar farms 

Minimum Premiums

  • $5,000 
  • 25% minimum earned premium applies 

Maximum TIV – $500,000,000 

$5M incapacity is available with no TIV cap 

They have a $5,000,000 capacity available in all 50 states 


Atlas provides commercial insurance to small and medium-sized enterprises across the country. As both wholesale distributors and program administrators, they bear sole responsibility for underwriting decisions and coverage options.

Coverages Available

  • General Liability 
  • Property 
  • Package 
  • Inland Marine 
  • Cargo 
  • Excess 
  • Builder’s Risk 
  • Owners and Contractors Protective Liability 
  • Professional 
  • Umbrella & Excess Liability 
  • Garage 

Workers’ Compensation 

Atlas is the sole worker’s compensation underwriting arm for Falls Lake Insurance Company, Accredited Surety & Casualty, and some other programs distributed by Atlas only. Their workers’ compensation package for broker partners and their clients includes competitive commissions, various payment plans, including 0% down, and exceptional claims and loss management services. 


  • Fast response time 
  • Flexible payment plan options, including EFT/ACH 
  • Superior claims & loss control services 
  • Competitive rates & commissions 
  • Lapses in coverage acceptable pursuant to carrier guidelines 

Offers and Benefits 

Atlas Gateway Featuring GoQuote 

Atlas provides a real-time submission and account management platform called Atlas Gateway. When submitting through the online portal, you may be eligible for GoQuote, their fast-rating service for qualifying accounts up to $35,000 in workers’ compensation and approved contractors’ general liability insurance risks.  

Its Benefits

  • Faster Quotes 
  • Higher Commission 
  • Preferred Pricing  
  • See Real-Time Status and Access All Policy Documents 
  • Request to Bind and Upload Submission Documents 
  • Communicate With Your Underwriting Team 

Atlas Insurance Reviews and Ratings

A sampling of Customer Reviews 

Rating  Reviews  
  Atlas General Insurance Services is a company that stands apart. I appreciate their committed attention and care at this time when service is on the decline. I would strongly advise you to use them for your insurance needs. Their staff is experienced and will go above and beyond to ensure that you receive the finest coverage, rates, and service possible. Top-notch!”   

Atlas General Insurance has nothing but positive reviews. When I phone their billing department or audit department with questions, I get immediate responses. It’s refreshing to see a company give excellent customer service without the use of an automated system. You actually get to speak with someone! I intend to retain my workers’ compensation with them as long as they keep up the good work! Many thanks, Atlas!”   

I was quite impressed with the staff’s knowledge, customer service, and product range. They go above and beyond in every department! The pricing has been fantastic too.   
Your rates will have increased by 60-70 percent within a year. Poor deals. There are no discounts available.   
DO NOT TRY IT! They increased our rate by 200 percent following the annual audit. Then, when we sought to file a claim, getting them to come to assess it was impossible. The claim was eventually closed.   

Their “platform” fails miserably. The state surcharge is not included in their software. A young person wrote it. Using this fly-by-night company will result in a massive cost. 



Ratings From Well-known Rating Services




AM Best A+ Superior: This means Allstate has an exceptional ability to pay back the claims even during challenging times. 


Our Rating – ⭐⭐  

Atlas General’s customizable coverage provides a good choice for anyone looking for insurance. Although it is much pricier than its competitors, it makes up for it with quick customer support. Agency Height views Atlas as a reliable choice for consumers that look for quick customer support and the various benefits they provide alongside their coverage options. 

However, they have a history of a long time with claims processing, which can be a drawback. Also, the inconsistencies and bugs in their software delay the quoting process. If Atlas is to update its software and fix the minor inconsistencies, it can be much more reliable.    

We recommend you take the time to compare and review Atlas with other carriers like Foremost Insurance to ensure you’ve landed the best bet.   

Frequently Asked Questions

How to Contact Atlas General Insurance Services?

You can reach them through 1.800.952.1494 or email them at their client solutions address Their hours of operation are, Monday – Friday: 8:00 AM PST – 5:00 PM PST 

How to make payments for Atlas General Insurance Services

You can make payments for Atlas General Insurance Services through an online billing platform for their Workers’ Comp Division and the managed programs written on Accredited, Falls Lake, Service American, and StarStone paper.  

Does Atlas General Insurance Services value customers?

Yes, according to the company, their motive is to value customers over anything.  

Their success depends upon: 

  • Relationships built on trust 
  • Products that win 
  • Responsive employees who strive to make the most out of every opportunity 
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