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 is a Texas-focused MGA for contracted independent agents, writing only residential property insurance for homes across Texas. Current published positioning is preferred personal lines residential property, with premier emphasis on Texas Homeowner Policy Form B and Texas Dwelling Policy Form 3, plus additional forms for homeowners, landlords, renters, and condominium owners. Official product references show Texas forms including HOB, HOA+, HOA, TDP-1, TDP-2, TDP-3, HOB-T/Tenant, and HOB-Con; Atlas notes that not all forms are available in all programs. Geographic scope is Texas-only. Distribution is agency-only: Atlas repeatedly states products are for Texas independent agents / contracted independent agents, and binding authority is extended to contracted agents for risks that meet written underwriting guidelines with admitted carriers. Published underwriting language is broad rather than class-specific: Atlas highlights a practical approach to risk acceptability, agent collaboration, in-house underwriting, policy processing, billing, and claims. No public-facing detailed appetite guide or explicit declined-risk list was found on verified official pages, so restricted/declined classes cannot be confirmed beyond the clear limitation to residential property and Texas business only. Submission/producer notes: agencies seeking appointment must complete the Atlas agent application and provide current license information, evidence of current Errors & Omissions insurance with at least a $1,000,000 limit, and a current signed W-9. The agency application also asks for production commitment, personal-lines experience, top residential carriers, underwriting challenges, marketing plans, and familiarity with residential product forms, indicating Atlas evaluates agency fit and expected residential property production before appointment. Operationally, Atlas states applications and change requests are entered promptly, policies and endorsements are generally mailed within 7 working days, and underwriting on most lines is performed on a post-issue basis. Broker support notes include assigned underwriter access, marketing assistance for competitive situations/problem areas, direct bill payment plan options, and round-the-clock claim service support.