As a specialized subsidiary of DUAL North America since 2021, Catalytic Risk Managers & Insurance Agency underwrites commercial property catastrophe coverage from Tenth Avenue in downtown San Diego. The agency's builder's risk and earthquake DIC programs protect large-scale construction projects like those managed by Apex Ridge Construction, covering wind, seismic, and terrorism exposures during the build phase. Catalytic originated in 2013 through the merger of San Diego-based Align General, founded in 2003, and Los Angeles-based Western RE Managers, an underwriting firm operating since 1971. A multi-carrier capacity model delivers per-risk limits reaching $125 million for earthquake difference-in-conditions and $100 million for named-storm wind, the type of high-limit catastrophe program that commercial portfolios brokered through Strom Commercial Real Estate require in seismically active Southern California. Highest-tier placements layer earthquake DIC, wind-deductible buyback, and TRIA-compliant terrorism coverage across multiple carriers rated A or higher by Best's Financial Strength methodology, using RMS and AIR catastrophe-modeling platforms.