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Atlas General Insurance Services
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Atlas General Insurance Services
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Commercial Package

Business owners face significant risks every day—whether from employees, customers, vendors, or third parties. Injuries, property damage, and liability claims can arise without warning. As an agent, placing the right package of property and liability coverage for your client is essential.

As an insurance professional, it’s your responsibility to help protect your clients when claims happen—and Atlas General Insurance Services is here to help you do that.


Atlas General Insurance Services’ Commercial Package program delivers flexible property and general liability solutions you can use as a stand-alone policy or as a tailored Business Owners Policy (BOP). The program supports a wide range of industries and account sizes, including new ventures and risks with no prior insurance, and is designed for agents who need underwriting flexibility and practical coverage options.

Program Highlights:

• Package Minimum Premium: $850
• No Prior Insurance Required
• New Ventures Accepted
• Property Coverage up to $10,000,000 Total Insured Value (TIV) per location
• No Maximum Building Age (updates must be within past 25 years)
• Eligible Class Codes: 1–8
• Optional Coverages: Equipment Breakdown, Spoilage Coverage

Target Classes Include:

• Apartments & Rental Dwellings
• Bowling Centers
• Car Washes
• Churches
• Social & Civic Clubs
• Convenience and Grocery Stores
• Contractors
• Distributors
• Motels & Hotels
• Light Manufacturing
• Lessors Risk Only (LRO)
• Nail Salons, Beauty Shops, and Barber Shops
• Professional Offices
• Food Services & Restaurants
• Retail Operations
• Vacant Land

Underwriting Flexibility and Appetite

If a client’s business falls into one of the eligible classes, Atlas’ underwriters will work to craft a solution regardless of prior coverage history. The program accepts new ventures and accounts that have been uninsured. Underwriting focuses on the business operations, values, and recent building/system updates rather than strict age limits. You might have a client who is opening a neighborhood restaurant with no prior insurance — Atlas can review for a package policy with property and general liability and optional spoilage coverage. Or you may be placing a landlord with an older apartment building that has had roof and electrical upgrades within the past 25 years; this program can consider that risk for LRO exposure.

Territorial Availability

This Commercial Package program is available in AL, AR, CT, FL, GA, HI, ID, IL, IN, KS, KY, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NV, OH, OK, SC, SD, TN, TX, VT, WA, and WI.

Backed by Trusted Markets

Atlas partners with A.M. Best “A” Rated (Superior) carriers to deliver strong financial backing and quality coverage. This program is written on a non-admitted basis, which provides greater flexibility for tailored terms and endorsements when standard admitted markets are restrictive.

Give your clients the ability to choose the coverages that matter most to their business.

If you’re placing small-to-mid-sized commercial accounts, Atlas General Insurance Services provides practical underwriting, access to high-quality non-admitted markets, and options to tailor property and liability coverages. Our team is available to help you structure competitive package solutions and evaluate optional coverages like equipment breakdown and spoilage.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is designed for small to mid-sized businesses in retail, hospitality, light manufacturing, professional services, and rental property classes, including new ventures and risks without prior coverage.

Can I submit accounts with no prior insurance?

Yes. Accounts with no prior insurance, such as new business ventures, are eligible and actively considered under this program.

Are older buildings eligible for property coverage?

Yes. Buildings of any age may be eligible provided necessary system updates (for example, roof, electrical, or plumbing) were completed within the past 25 years.

Is this program available on an admitted basis?

No. The program is offered on a non-admitted basis with A.M. Best A-rated carriers, allowing more flexible underwriting and custom coverage options.

What is the minimum premium for this program?

The minimum package premium starts at $850; final premium will depend on the specific risk profile and selected coverages.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    General Agency
  • Admitted:
    0
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    -
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

4365 Executive Dr, #400
San Diego, CA 92121
858-529-6700
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Atlas General Insurance Services has other insurance programs like Builders' Risk.