Atlas General

What Atlas General does

Atlas General Insurance Services, LLC is a U.S. insurance program administrator and wholesale distributor headquartered in San Diego, California, founded in 2009 and operating as a subsidiary of RPS (Risk Placement Services). The company underwrites and administers Workers' Compensation, Commercial (Property, Casualty, Package, Inland Marine, Cargo, Excess, Professional Lines, Umbrella, Garage), and Specialty Property (focused on earthquake and Difference in Conditions coverage) for small and medium-sized businesses across all 50 states, with premium sizes ranging from $500 to $5 million. Atlas holds delegated underwriting authority from multiple A.M. Best 'A' and 'A+' rated carrier partners — Sompo/Endurance (A+ XV, exclusive), Accredited, Falls Lake, StarStone, and others — and generates revenue through underwriting commissions, policy fees, and administrative compensation on $1.7B of written premium across 71,405 policies to date.

Atlas distributes exclusively through appointed independent agents and brokers, supported by proprietary technology platforms including GoQuote (instant online Workers' Compensation rating and binding for accounts up to $25,000), Atlas Gateway (real-time agency portal powered by Guidewire), GoPay (online billing with automated ACH and flexible payroll reporting), and GoSafe (online loss-control and safety resources). Specialized programs include an Equine Workers' Compensation offering developed with Bascule Underwriting (2019) and a Client Solutions Group launched in April 2020 for bespoke underwriting. As of September 1, 2024, Atlas consolidated all email and identity infrastructure under the parent RPS domain, reflecting deeper operational integration while preserving its program-administrator brand and producer relationships.

Name

Atlas General

Legal name

Atlas General Insurance Services, LLC

Website

http://atlas.us.com/

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

51–100 employees

Short description

Atlas General Insurance Services is a U.S. workers' compensation and commercial insurance program administrator and wholesale distributor, underwriting for small and medium-sized businesses across all 50 states as a subsidiary of RPS, with $1.7B in written premium.

Ownership category

akta.pro rank

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Underwriting & Program Administration: Atlas acts as a program administrator with authority to make underwriting decisions. Generates revenue through underwriting gains, policy fees, and administrative commissions from carrier partners including Sompo, Accredited, Falls Lake, StarStone, and others.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Atlas General Insurance Services is a licensed program administrator and wholesale distributor specializing in Workers' Compensation, commercial, and specialty property insurance. The company operates with delegated underwriting authority from multiple A.M. Best 'A' rated carrier partners (Sompo/Endurance, Accredited, Falls Lake, StarStone, Trisura, Rockingham), distributing policies exclusively through appointed insurance agents and brokers via its proprietary digital platforms GoQuote, Atlas Gateway, GoPay, and GoSafe. Its programs target small and mid-sized U.S. businesses across all 50 states with premium sizes ranging from $500 to $5 million.

Product overview

Atlas General Insurance Services is a full-service program administrator that offers a wide range of insurance solutions, operating as part of RPS Company. Their product portfolio centers on Workers' Compensation (specialty with access to multiple A.M. Best 'A' rated markets), Commercial Insurance (Property, Casualty, Package, Inland Marine, Cargo, Professional Lines), and Specialty Property (focused on earthquake and DIC coverage). Supporting platforms include GoQuote (instant Workers' Compensation rating tool), GoPay (billing and payroll reporting), and GoSafe (risk management and safety resources). They also offer Programs for niche market creation and a Client Solutions Group for tailored needs. The company operates nationally across all 50 states with headquarters in San Diego, CA, and has written premium of $1.7B across 71,405 policies.

Differentiator

Problem solved

Functional benefit

Brands

• GoQuote: Online instant rating tool for Workers' Compensation insurance quotes up to $25,000 premium, accessible through Atlas Gateway portal
• GoSafe
• GoPay
• Atlas Gateway

Products and services

• Workers' Compensation Workers' Compensation insurance for small and mid-sized U.S. businesses across Construction, Healthcare, Janitorial, Landscaping, Main Street, Manufacturing, and Transportation. Premium sizes range from $500 to $5 million and coverage is available in all 50 states. Distributed exclusively through appointed agents and brokers.
• Commercial Insurance Commercial insurance underwriting for small and medium-sized businesses, covering Property, Casualty, Package, Inland Marine, Cargo, Excess, Professional Lines, Umbrella & Excess Liability, and Garage. Distributed through appointed agents and brokers.
• Specialty Property Commercial property insurance with focus on earthquake coverage and Difference in Conditions (DIC), including incidental flood. Targets apartments, condominiums, shopping centers, retail/wholesale, office buildings, manufacturing, and industrial occupancies in California, Pacific Northwest, Great Basin, and New Madrid regions.
• Programs (Niche Insurance Programs) Bespoke niche insurance programs built and administered by Atlas with delegated underwriting authority from carrier partners. Programs can be created for any size, coverage, and location, allowing Atlas to customize coverage options for specific industry or geographic niches.
• Equine Industry Workers' Compensation Program Specialized Workers' Compensation solution developed in partnership with Bascule Underwriting exclusively for the equine industry, addressing coverage needs specific to equine businesses that are underserved by standard carriers.

Quantifiable outcome

• 71,405 policies written and $1.7B written premium

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

15 partnerships are on record, tiered core and minor.

• Sompo: Endurance Assurance CorporationcoreStrategic or Co-development PartnerSompo: Endurance Assurance Corporation is Atlas's managed carrier partner for Workers' Compensation. The A.M. Best 'A+' (Superior) XV rated carrier is available exclusively through Atlas. Sompo provides claims administration through Gallagher Bassett including utilization review and MPN coordination.
• Gallagher BassettcoreStrategic or Co-development PartnerClaims administration partner providing exceptional claims services including utilization review and MPN coordination for Workers' Compensation claims under Sompo policies.
• Titan Claims ManagementcoreStrategic or Co-development PartnerProvides fraud investigations through dedicated special investigation units. Offers AOE/COE investigations, surveillance services, and claims oversight for carriers including Accredited, Falls Lake, Rockingham Group, StarStone, and Sompo.
• Accredited Surety and Casualty Company, Inc.coreStrategic or Co-development PartnerManaged carrier partner for Workers' Compensation policies with prefix 1AT and 1AG. Claims administration through Sedgwick.
• Sedgwick Claims ManagementcoreStrategic or Co-development PartnerClaims administration services for Accredited Workers' Compensation policies. Provides claim reporting, status reports, loss runs, and California Medical Provider Network coordination.
• Falls Lake Insurance CompaniescoreStrategic or Co-development PartnerManaged carrier partner for Workers' Compensation policies with prefix FLA and FNA.
• StarStone National Insurance CompanycoreStrategic or Co-development PartnerManaged carrier partner for Workers' Compensation policies with prefixes T1, T2, and T6.
• Rockingham GroupminorStrategic or Co-development PartnerClaims administration for Commercial General Liability policies with prefix 'R'.
• Trisura Specialty Insurance Co.minorStrategic or Co-development PartnerCarrier partner for Commercial General Liability policies with prefix 'T'. Claims administration through Gallagher Bassett.
• BerkleyNetminorChannel Partner/ Reseller/ DistributorNon-managed carrier partner for claims administration.
• Guard Insurance GroupminorChannel Partner/ Reseller/ DistributorNon-managed carrier partner for claims services.
• PEICminorChannel Partner/ Reseller/ DistributorNon-managed carrier partner for Workers' Compensation claims.
• PIE (Pie Insurance)minorChannel Partner/ Reseller/ DistributorNon-managed carrier partner for Workers' Compensation claims administration.
• Bascule UnderwritingminorStrategic or Co-development PartnerSpecialists in equine insurance who partnered with Atlas to provide an exclusive workers' compensation solution for the equine industry.
• Argus WestminorStrategic or Co-development PartnerFraud investigation partner that investigates suspected fraud and reports findings to the District Attorney. Works with Atlas on Workers' Compensation fraud cases.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Pie Insurance: Tech-enabled Workers' Compensation carrier targeting small businesses via a digital rater. Competes head-to-head with Atlas for the same small-business WC agent channel, and is also listed as an Atlas non-managed partner.
• NEXT Insurance: Tech-enabled commercial insurance provider for small businesses, selling directly and through agents. Competes with Atlas's GoQuote-style instant rating experience for small commercial and WC business.

Others

• RPS (Risk Placement Services): Atlas's parent company and major wholesale broker/MGA aggregator. Sister entities within RPS overlap with Atlas on program-administration and agent distribution, providing relevant internal benchmarking for Atlas's positioning.

Broad incumbents

• Amwins: Largest U.S. wholesale insurance distributor and managing general agency, offering specialty programs across P&C lines. Comparable to Atlas on wholesale/MGA model and program-administration capabilities.
• Hiscox: Specialty insurer with small-business commercial insurance products (e.g., Hiscox NOW). Comparable to Atlas's commercial and small-business agent offerings and is also a listed Atlas carrier partner.
• Berkshire Hathaway Homestate Companies: Workers' Compensation specialist within Berkshire Hathaway's insurance group, operating across multiple states with agent distribution. Overlaps Atlas on WC specialty, multi-state operation, and small/mid-market underwriting.

Direct peers

• EMPLOYERS (EIG): Specialty Workers' Compensation carrier focused on small businesses. Directly comparable line of business, target customer (small business), and distribution through appointed agents, similar to Atlas's WC franchise.
• Guard Insurance Group: Regional specialty carrier with strong Workers' Compensation franchise for small/mid-market businesses, distributed through agents. Comparable to Atlas on WC specialty, niche industry focus, and producer relationships.
• AmTrust Financial Services: Major Workers' Compensation carrier and program administrator offering small-to-mid-market WC through wholesale and retail distribution. Directly comparable to Atlas as a multi-carrier MGA model with strong agent-broker focus.
• ICW Group: Workers' Compensation-focused insurance holding company serving small and mid-sized businesses via independent agents. Overlaps Atlas on WC underwriting authority, target segment, and agent distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/atlasgenera

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Atlas General