Atlas’ Property Division focuses on Commercial Property and “Difference in Conditions” (DIC), including earthquake and incidental flood coverage.

DIC policies are written to “wrap around” all risk property policies to cover perils that are normally excluded in standard forms (in this case earthquake and flood). Atlas concentrates on DIC/earthquake and flood 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 primarily through wholesale excess and surplus lines brokers and written on a non-admitted basis.

The Property Division has the capacity to write business in all 50 states. This 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.

The Property Division has over $25 million in capacity in a primary position and $27 million in capacity in an excess position. Capacity is through several A.M. Best rated A+ XV (Superior) carriers and multiple Lloyd’s of London facilities. Additionally, the Property Division has the ability to write 2% deductible options on risks located outside of CRESTA zones A and B as well as provide for the peril of Earth Movement in an excess position.

AOP Property


  • TIV up to $150,000,000
  • All risk including flood and earthquake
  • Equipment Breakdown
  • Minimum premiums starting at $10,000
  • Deductibles starting at $5,000
  • Available in all 50 states


  • $10,000,000 limit
  • Non-Critical flood $2,500,000 limit
  • Critical earthquake up to $10,000,000 limit
  • Primary and full-limit


  • Assisted Living Communities
  • Retail
  • Habitational
  • Hotels/Motels
  • Offices


  • Managed programs
  • Exclusive partnership with an
    ‘A’ (Excellent) A.M. Best rated carrier
  • Proprietary rating
  • In-house underwriting authority

DIC Property


  • Difference in Conditions including earthquake, EQSL and flood (flood excluded in flood zones A & V)
  • Earth movement available in an Excess position


Available limits

  • $51,000,000 Primary
  • $32,000,000 Excess

Minimum premiums

  • $5,000 (zones A, B & E)
  • $2,500 all other cresta zones & other states
  • 25% minimum earned premium applies

Maximum TIV – $500,000,000
$5M in capacity is available with no TIV cap
We have $5,000,000 capacity available in all 50 states


  • Large real estate schedules
  • Habitational risks
  • Older properties
  • Single location accounts to large schedules
  • Home Owner Associations
  • Manufacturing risks


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

All Other States

  • Tilt-up built after 1974 (will consider older with retrofit documentation)
  • All other construction: after 1960 (will consider with update/retrofitting documentation)
  • $2,500 all other cresta zones & other states
  • 25% minimum earned premium applies


  • 5% Earthquake (2% Available outside of
    Cresta Zones A & B)
  • $50,000 Flood
  • $25,000 All Other Perils


  • Unreinforced masonry or brick buildings (without evidence of retrofitting)
  • Historical buildings
  • Hospitals built before 1995
  • Large municipalities
  • Gas and electric utilities
  • Oil and petrochemical risk
  • Pharmaceutical manufacturers
  • Chemical manufacturers
  • Wind/solar farms

Resource Guides

Property Flyer AOP

Property Flyer AOP (PDF)

Property Flyer DIC

Property Flyer DIC (PDF)

Contact Our Property Team

Click below to contact our Property team.
Property Contact Sheet (PDF)


Atlas Product Guide

Learn more about Atlas and their products.
Atlas Product Guide Brochure (PDF)


Contact Us