What is ATLAS
Atlas is a state-of-the-art submission framework for niche commercial insurance ops, which often require 30-40 hours per account: building exposures workbooks, reconciling conflicting data (and asking the client effective questions), generating carrier-specific forms, managing underwriter questions, and tracking quote deviations after the submission. The work involves repetitive data entry across multiple systems while maintaining accuracy under deadline pressure. ATLAS acts as a second brain for exposures workbooks, data reconciliation, ACORD generation, and submission assembly. ATLAS pulls property assessor records, hazard data, and regulatory information automatically. When data conflicts emerge between sources, the system flags discrepancies for verification rather than making assumptions. Revenue calculations that fail validation result in a list of structured questions for clients. Class code determination occurs based on operational characteristics without manual lookup.

Architecture
The system operates through specialized research, reconciliation, inference, and document generation agents coordinated by a master orchestration layer. Research agents query property databases, hazard APIs, and regulatory sources. Reconciliation agents identify conflicts between data sources and client statements. Inference agents calculate missing values and validate financial relationships. Document generation agents produce carrier-specific forms and supplementals. A shared knowledge graph maintains all confirmed facts about the account. As data gets verified, it crystallizes in the graph and constrains future processing. Unconfirmed inferences remain fluid until explicitly validated.