Earthquake coverage is offered to commercial property owners in the Western United States and in the New Madrid states on behalf of ICAT Syndicate 4242 of Lloyd’s of London and on behalf of other insurance companies. Coverage is written on a non-admitted basis using a Difference in Conditions policy form. Lloyd’s of London Syndicate 4242, which underwrites ICAT’s core commercial business throughout the United States, often in partnership with other insurance companies. Syndicate 4242 carries an A.M. Best rating of “A” (Excellent).