Atlas’ Specialty Property Division focuses earthquake coverage. Atlas concentrates on coverage for commercial property risks that are largely comprised of apartments, condominiums, shopping centers, retail/wholesale, office buildings, manufacturing, and various industrial occupancies.

This business is produced through wholesale excess and surplus lines brokers and written on a non-admitted basis. The Specialty Property Division has a primary focus in California and the Pacific Northwest of Washington and Oregon. The division also focuses on the Great Basin area of Utah, Nevada, as well as the New Madrid region comprised of Arkansas, Illinois, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Capacity is through several A.M. Best rated A+ XV (Superior) carriers and multiple Lloyd’s of London facilities.

  • Earthquake / Earthquake Sprinkler Leakage
  • Earth Movement / Earth Movement Sprinkler Leakage available in an Excess position

Available limits

  • $15,000,000 Primary
  • $13,000,000 Excess

Minimum premiums

  • $5,000 (all zones, all states)
  • 25% minimum earned premium applies

Maximum TIV – $500,000,000

  • Tilt-up built after 1974 (will consider older with retrofit documentation)
  •  All other construction: Built 1950 and newer (will consider older with retrofit documentation)

  • 5% CA (2% all other states) EQ/EQSL

  • Single Family Dwellings
  • Cannabis
  • Historical buildings
  • Hospitals built before 1995
  • Large municipalities
  • Gas and electric utilities
  • Oil and petrochemical risk
  • Pharmaceutical manufacturers
  • Chemical manufacturers
  • Wind/solar farms