Atlas General Agency
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Atlas General Agency presents itself as a Texas-focused MGA for independent agents, writing only residential property insurance for homes across Texas. Current official product positioning emphasizes preferred personal lines residential property business and highlights Texas Homeowner Policy Form B and Texas Dwelling Policy Form 3 as premier offerings, with additional forms for homeowners, landlords, renters, and condominium owners. Officially listed forms include HO-B, HO-A+, HO-A, TDP-3, TDB-2, TDB, HOB-CON, and TENANT. Geographic scope appears Texas-only based on repeated statements that Atlas specializes in insuring homes across Texas and serves Texas independent agents. No formal public appetite guide or detailed declination list was located on the official site, so restricted or declined classes are not expressly published; operationally, business outside Texas residential property, non-residential risks, and classes outside the listed personal residential forms should be treated as outside the publicly stated appetite unless Atlas confirms otherwise. Submission and producer guidance available publicly is aimed at agency appointments rather than individual risk underwriting: agencies seeking appointment must complete the online application and provide current license information, evidence of E&O insurance with at least a $1,000,000 limit, and a current signed W-9. The application indicates Atlas evaluates residential property expertise, familiarity with forms such as HOB/TDP-3/ISO-3, market underwriting challenges such as coastal wind, hail, or unusual liability exposure, current residential carrier mix, MGA usage, comparative rater usage, production commitment, first-year premium commitment, and marketing plans to grow residential property business. Broker/producer notes: Atlas states it serves contracted independent agents and promotes assigned underwriter access, in-house underwriting, billing, claims, and marketing support. Practical takeaway: position Atlas for Texas preferred residential property placements through appointed independent agents, especially standard homeowner and dwelling fire business, while confirming any coastal, catastrophe, unusual liability, landlord, or program/form availability questions directly with underwriting because public class-specific accept/decline criteria were not found.