Specialty Property

Expertise in High-Exposure Risks

 We specialize in Difference in Conditions (DIC) underwriting, particularly for commercial earthquake exposure in the Western Region. Our deep market knowledge and strategic underwriting deliver profitable, sustainable solutions through advanced risk modeling and strong Carrier and Reinsurance partnerships. 

  • Advanced Risk Modeling
  • Tailored Coverage Solutions
  • Strong Carrier & Reinsurer Partnerships
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Baseline Risk Partners

Eligibility

Appetite

- Real Estate Schedules
- Habitation Risks
- Homeowners Association
- Manufacturing Risks
Perils

Difference in Conditions including:
- Earthquake
- Earth Movement
- Earthquake
- Sprinkler Leakage
- Flood

Layers

- Primary
- Quota-share
- Excess terms

Limits

- $20M
Deductibles

- As low as 5% per unit in CA
- As low as 2% per unit in other states
Minimum Premium

- $15,000

* Written on a non-admitted basis through an A.M Best rated A- (Excellent) carrier

States

Serving AZ, AR, CA, CO, HI, ID, IL, IN, KY, MO, MT, NM, OR, TN, TX, UT, WA

Prohibited Risks

- Cannabis stock/business income
- Laboratories
- Oil/Gas refineries
- BI-driven business
(more than 75% in Business Income)

- Chemical Manufacturers
- Pharmaceutical Business
- Financial Investment Business
- Recycling Business
- Aerospace Business

- Artificial Intelligence Business
- Historic Buildings
- Hydroelectric Operations
- Oil/Gas Drilling Operations
Baseline Risk Partners

Specialty Property Team

Walter Salas

Walter Salas

President of Specialty Property

Mary Lou

Mary Lou Scott

Account Analyst

Get in Touch

Insurance Solutions Designed for Long-Term Success

Let’s build a smarter, more profitable future with expert underwriting and advanced insurance solutions.