Siloed underwriting and billing create reconciliation drag.
Most surety carriers run an underwriting platform on one stack and bond billing on another. The seam between them is where money gets lost — integration delays, timing gaps, end-of-month reconciliation that takes days instead of hours.
When underwriting and billing operate asynchronously across separate platforms, data consistency and financial visibility both degrade. Closing a book becomes an exercise in spreadsheet diplomacy.
Every surety function. One platform. One source of truth.
Most surety platforms hand you bond admin and tell you to integrate billing, accounting, reporting, and claims. Atlas runs all of it natively — every transaction flows through the same record.
Underwriting & Bond Administration
Submission intake, financial analysis, WIP, bond libraries, rate configs, quoting, issuance, bond output, endorsements, renewals, cancellations.
Billing & Accounting
Direct and agency billing, commissions, receipts, disbursements, statements, cash application.
Management & Statutory Reporting
Statutory financials, state filings, regulator-ready exports, management reporting.
Claims Management
Claim intake, reserves, payments, indemnity recovery — among other things.
Open APIs
Open APIs across every Atlas function. Carriers can put their own developers and data teams on top of it directly.
Data Feeds
We pipe accounting records, disbursements, refunds, and premium transactions to your GL, data warehouse, or any downstream system. Integration is what we do — for over 27 years.
Contract and commercial surety. Billing to accounting. One platform.
Every stage of the bond lifecycle on Atlas — from rate, quote, bid bond, final bond, and issuance through bond output, billing, accounting, claims, recovery, and reporting. Configurable to your shop, active on day one.
Surety underwriting, configured to your process.
Analyze financials your way.
Upload financial statements, configure your own underwriting rules, and evaluate accounts against the ratios, benchmarks, and risk signals that matter to your shop.
Work-in-progress analysis.
Analyze contractor WIP schedules job by job, with backlog, over/underbilling, gross profit, fade/gain, and custom underwriting benchmarks connected to the account.
Capacity and authority tracking.
Configure single-job, aggregate, account, producer, program, and underwriter authority limits. Track current backlog, outstanding bonds, and available capacity in one view.
Indemnity tracking.
Track corporate and personal indemnitors, indemnity agreements, related accounts, and personal financial statements on the same account record — with visibility across connected risks.
AI augments. AI assists. The underwriter decides.
Every Atlas AI capability is built to augment your team — never to replace their judgment. Atlas ingests submissions, financial statements, and WIP schedules, runs them against your custom scoring rules, and surfaces exceptions in the underwriter’s queue with the data behind them. The decision stays with the person.
See Atlas AI in detail →