Atlasafe pricing: what each tier costs

Atlasafe costs $59, $149, or $349 per month depending on how many active policies you track. Starter covers up to 25 policies, Growth up to 100, and Pro has no policy cap. Users are unlimited on every tier, so the price follows the size of your insurance program rather than how many people need to look at it.

Metering on policies rather than seats is deliberate. The people who need visibility into an insurance program are rarely just one person: there is usually whoever owns renewals, someone in finance, and an operations lead who gets asked for a certificate at short notice. Charging per seat makes adding the third person a decision. Charging per policy does not.

What you get at each tier

Starter is the whole system of record rather than a sample of it. You get a complete inventory of every policy with carriers, coverage types, and effective and expiration dates; a carrier, agency, broker, and key-contact directory; status on each policy with a flag the moment a coverage gap opens against requirements you define; renewal reminders by email and in-app at 90, 60, 30, and 14 days before expiration; document upload with OCR pulling key details for you to review and confirm; a zero-login magic-link portal for collecting documents from brokers; certificate of insurance tracking, inbound and outbound, plus mid-term endorsements; versioned document proof; a cross-program dashboard and expiration calendar; spreadsheet import; and search across policies, carriers, brokers, contacts, and claims. Twenty-five active policies is the ceiling.

Growth raises that to 100 and adds the claims side: claims recorded with a full status lifecycle, loss run import with loss ratio computation, export reporting including schedule of insurance and premium trend, and read-only report sharing or external document requests through expiring links.

Pro removes the policy cap and adds multi-tenant role-based access control for your whole team plus an append-only audit trail of every data change in the organization. It is a scale and governance tier, which is why its feature list is short and specific.

What annual billing saves

Annual billing is $588 for Starter, $1,484 for Growth, and $3,476 for Pro, each about 17% below paying monthly for a year.

What the price does not buy

Atlasafe is not a broker and not an advisor. It does not shop, place, or bind insurance, it produces no quotes, and it offers no insurance advice. It manages the program you already have.

It also does not determine whether you are covered. Atlasafe flags gaps against the requirements you define, using the policy data you record, enter, or upload. Whether a limit is actually high enough, whether a coverage is adequate for a given contract, and whether you are genuinely compliant are judgments for you and your carriers and brokers. A tracking tool that claims to settle those questions is overselling itself, and the consequences of believing it land at claim time.

No tier plugs into carrier systems or agency management systems. Policies enter one of three ways: document upload with OCR assistance, the broker magic-link portal, or spreadsheet import. Data arrives because someone puts it there, which is worth knowing before you buy.

Which tier fits

Count active policies, not people or locations. A small business with a general liability policy, a commercial property policy, workers compensation, auto, and an umbrella is nowhere near the Starter ceiling even after adding certificates from a handful of vendors. The move to Growth is usually driven by claims work rather than policy count, because loss runs and loss ratios are where the reporting starts to matter. Pro is for organizations that need role-based access across a larger team and a full audit trail.

If you are running this from an insurance policy tracking spreadsheet today, the fair comparison is the monthly fee against the cost of one renewal that slipped, which is what a coverage lapse actually costs once a claim lands in the gap. The same logic applies on the certificate side, covered in certificate of insurance tracking.