Yes I am very familiar with CIBA as I worked for their competitor for a while. They offer 2 types of policies - each with different limits/coverages. It is written under a master policy. One expires on 3/31 and the other on 6/1 so if you were to place business with them all policies would be pro-rated. Since it is a master policy all their members (insureds) share all the limits. Not something most people are comfortable hence the competitive premiums.
They do offer some kind of built in earthquake coverage as well which makes their policies enticing but again with a shared limit. The competitor I worked for could not compete as they offer much higher property limits and the GL limits are not shared.
You have to get appointed with an MGA
to access this program. You can go online to get more info.