Janet W. Due to the high replacement cost values and the earthquake exposure that exists in B.C., most strata corporation policies are written on what is called a subscription-property policy. A subscription policy can have anywhere from two to 20 different insurance companies involved. Each insurance company takes a percentage of the property risk, a percentage of the property premium and, in turn, each of those insurers pays their same percentage of any insured loss that occurs. An example of a subscription-property policy might be as follows: insurance company A insures 45%, insurance company B insures 25%, insurance company C insures 20%, insurance company D insures 10%. So how does this get negotiated with a best-terms clause? Traditionally, when insurers quote to subscribe on a property policy for a percentage less than 100%, their quote has always been subject to a best-terms clause.