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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, or liability claims can arise unexpectedly, and ensuring your client has the right coverage in place 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.


Through our Commercial Package program, we offer flexible solutions for property and general liability coverage. Whether you need a stand-alone policy or a tailored Business Owners Policy (BOP), we can help you build the right protection for your client’s business operations. Our program is designed to support a wide range of industries and business types, including new ventures and risks without prior insurance.

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 your client’s business falls into one of our eligible classes, we can craft a solution regardless of prior coverage history. For example, you might be working with a new restaurant owner seeking a package policy with property and general liability, or a landlord with an older apartment building that has recent system updates. Our underwriters are experienced in evaluating a wide range of risks with flexibility in mind.

Territorial Availability

Our Commercial Package program is available in the following states: 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 General Insurance Services partners with A.M. Best “A” Rated (Superior) carriers to deliver quality coverage and financial strength you and your clients can rely on. This program is written on a non-admitted basis, giving us flexibility when it comes to underwriting and custom coverage solutions.

Let your client’s voice be heard—give them the ability to choose the coverages that matter most to their business.

If you’re looking to place business for small-to-mid-sized commercial clients, Atlas General Insurance Services gives you the tools and support you need. Our team is ready to help you build tailored coverage solutions for your clients.

Frequently Asked Questions

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

This program is ideal 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 are eligible for this program, including new business ventures.

Are older buildings eligible for property coverage?

Yes, buildings of any age may be eligible as long as necessary system updates have been completed within the past 25 years.

Is this program available on an admitted basis?

No, this program is written on a non-admitted basis through A-rated carriers, allowing for more flexible underwriting solutions.

What is the minimum premium for this program?

The minimum package premium starts at $850, depending on the risk 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.