Difference in Conditions
Carrier
Difference in Conditions Product
Our DIC Product is the only commercial earthquake facility able to offer $100 million in capacity with access to eight top rated carriers by A.M. Best Company
- Empire Indemnity Insurance Company, rated "A+" (XV) is part of the Zurich Group. Capacity is $50 million.
- Princeton Excess & Surplus Lines Insurance Company, rated "A+" (XV) is part of Munich Re America Group with a capacity of $10 million.
- Everest Indemnity Insurance Company, rated A+ (XV) has a capacity of $20 million.
- Lloyd's of London (syndicate #1414), rated "A" (XV) has a capacity of $5 million
- QBE Specialty Insurance Company, rated "A" (XV) is part of QBE America's Group with capacity of $30 million.
- Hudson Specialty Insurance Company, rated "A" (XV) has $5 million in capacity.
- North East Insurance Company, rated "A-" (X) by A.M. Best Company.
Product Info
We provide the highest earthquake and difference in conditions limits in the industry.
- Expedient policy issuance
- Available limits in all California zones
- 10+ years exclusively supporting wholesale market
- Emphasis on fundamental underwriting
- Competitive and consistent pricing
- Competitive commission
Target Market
Preferred Construction Types
Our program has been designed for medium to larger commercial accounts.
- Steel
- Wood frame
- Reinforced concrete
- Joisted masonry
Subject to review:
- Mixed construction, tilt-up (1976 or newer) and metal
- Older buildings okay based on excess attachment point
- Excess of tuck-under values
- Exclude flood zone A and V on primary accounts
- No poor soil conditions such as high liquefaction and bay mud
Coverage Highlights
- Written on primary or excess layers or combination of various attachment points
- Minimum Total Insured Value (TIV)
- $10 million general liability
- $20 million habitational (apartment/condos/retirement, etc.)
Underwriting Guidelines
Submission Requirements
- Named insured and mailing address
- Insured website
- Insured business description/operations
- Effective dates
- Term requested
- Quote due date
- Limits, perils, coverages and deductibles requested
- Current layering and premiums
- Suggested layering
- Target pricing and TIV breakdown
- Loss history and any inspections or engineering reports
- Excel spreadsheet
