Atlas’ Specialty Property Division focuses on “Difference in Conditions” (DIC), including earthquake and incidental flood coverage. 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 through wholesale excess and surplus lines brokers and written on a non-admitted basis. The Specialty 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. Capacity for both divisions is through several A.M. Best rated A+ XV (Superior) carriers and multiple Lloyd’s of London facilities.

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

Available limits

  • $56,000,000 Primary
  • $27,500,000 Excess

Minimum premiums

  • $5,000
  • 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


  • 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)
  • 25% minimum earned premium applies

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

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



  • General Inquiry:

Leadership Team

Executive Vice President of Property

Joe Ross



Associate Underwriter

Scott Subak