Atlas.
A unified core
for modern P&C.
PCMS Atlas is an advanced, seamlessly unified platform that handles core processing for all Property & Casualty lines of business — designed to deliver a frictionless experience, increase efficiency, and help drive revenue growth.
One platform. Every P&C line. Every distribution channel.
Atlas handles the full policy, billing, and claims lifecycle on one modern, mature framework. Configurable by your team, integrated through open APIs, proven across decades of carrier deployments.
Core processing across policy, billing, claims.
Performance that grows with your book.
Flexible integrations with third-party data.
Modern, mature framework — every line of business.
Controlled access from anywhere.
Optimize and automate operations.
Five integrated modules. One shared core.
Policy Administration
PCMS Atlas Policy Administration provides a fully automated underwriting experience throughout the entire policy lifecycle. It handles complex and unique policy processes especially for carriers with a wide and varied insurance product portfolio.
- Support Personal, Commercial, and Specialty lines
- Straight-through processing
- 360-degree view of policyholders
- New product creation processing
- Quick Quote · New Business Issuance
- Endorsements (mid-term, cross-term, out-of-sequence)
- Versioning (historical snapshots)
- Premium Audit
- Short-rate and Pro-rata Cancellations
- Renewals, Rewrites, Reinstatements, Cancellations
- Certificates
- Statutory and compliance maintenance
- Pre-integrations for data prefills (LexisNexis, ADP) and intelligent underwriting risk data
- Reinsurance — quota share, excess loss, facultative, catastrophe
Billing & Accounting
PCMS Atlas Billing & Accounting is seamlessly integrated with both Policy Administration and Claims Management. Uniquely designed to accelerate upstream and downstream insurance financial transactions — allowing carriers to achieve higher efficiency and accuracy across the organization.
- Automated workflows and customized business rules
- Complete AR and AP management
- Direct Bill, Agency Bill, Account Bill, List Bill
- Multiple payment methods (ACH, Credit Card, Check)
- Flexible bill payment options (monthly, quarterly, annual)
- Multi-currency support
- Agency / Broker accounting
- Premium / Loss accounting
- Simplified Commission processing (multi-plans, automated calculations)
- Pay-as-you-go for workers compensation
- Auto-generated return-premium, write-off, invoices, revised bills, reminder notices
- Full cash receipt management
- Collections
- Automated lockbox and check reconciliation
- Reconciliation and ad-hoc financial reports
Claims Management
PCMS Atlas Claims Management simplifies claims processing across the complete lifecycle — empowering carriers to automate manual work, gain better control of processes and performance, and save time and money while achieving higher-quality outcomes.
- Support Personal, Commercial, Workers Compensation, and Specialty lines
- Robust out-of-the-box functionality and user-centric experience
- Dynamic intelligent claim intake (FNOL / FROI) processing
- Centralized claim and incident data
- 360-degree claim summary view
- Diaries, notes, tasks across the claim
- Claim segmentation (split assignment by coverage type)
- Workload balancing
- Straight-through processing (low-touch and no-touch claims)
- Reserve worksheet (multiple versions, sub-benefit level)
- Flexible payments (one-time, recurring, split, bundled)
- Catastrophe management
- Automated escalation alerts (Fraud, SIU, CAT)
- Full recovery management (Subro, Salvage, Second Injury Fund)
- WC regulatory reporting and compliance
Agent Portal
A feature-rich, configurable portal for agents to accomplish their work whenever and wherever. Designed to maximize no-touch interactions — bringing contact information, policy data, and coverages to your agents’ fingertips.
- Fully integrated with Policy, Claims, and Billing & Accounting
- Available across all P&C lines of business
- Real-time generation of all policy forms and correspondence
- Real-time access to management reports
- Easy access to policyholder claims history
- Complete management of billing information
- Multiple payment methods
- Automated invoice generation and submission
- Robust security with permission and role-based access controls
- Consistent look and feel, simplified digital experience
- Timely notification messages to agents and policyholders
- Workflow and rules configuration for all agent transactions
- Full-featured mobile application
- E-signature capture and verification
- API integration with any third-party technology
Management & Statutory Reporting
PCMS Atlas Management and Statutory Reporting is seamlessly integrated with Policy Administration and Claims Management. A library of out-of-the-box reports, with the ability to customize, fully supports a carrier’s day-to-day operational and statutory reporting needs.
- Reporting tools from Microsoft and SAP
- Financial, underwriting, claims, agency, and reinsurance reports
- All statutory agency reporting (ISO, TICO, TASI, NAII) and state-specific reports
- Line-of-business specific reports
- Flexible report scheduling (real-time and batches)
- Export to Excel, PDF, or CSV
- Full preview reader for ad-hoc reports
- Easily share across devices and stakeholders (including mobile)
- Manage complex requirements for multiple states, entities, and lines
- Faster reporting with straight-through processing — no labor-intensive manual work
Everything behind the platform.
The work that keeps Atlas running — hosting, implementation, recovery, print/mail, and data conversion, all delivered by PCMS teams.
Proven hosting in secure collocation data facilities with 24/7 environment management for production, pre-production, and testing.
Small, experienced implementation teams working directly with the client — a personalized, common-sense approach that keeps your voice in the delivery.
Best-in-class DR and WORM solutions — Dell, Azure, Veeam, HPE — in SSAE 16 / SOC 2 compliant colocation facilities.
Print and bulk-discount mail service through a third-party partner, in addition to all print/email of outbound policy and claim communications.
Sophisticated data conversion solutions to help you streamline your data resources and improve efficiency.
See Atlas with Atlas.
Thirty minutes with the PCMS team. We'll walk the modules you care about, show how your lines of business get configured, and take your questions.