Difference in Conditions

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Specialty Products

Difference in Conditions

Tall office building

Product Info

Our DIC Product is the only commercial earthquake facility able to offer $280 million in capacity, with access to 16 carriers* rated “A-” or above by A.M. Best.

We provide the highest earthquake and difference in conditions limits in the industry.

  • Broad coverage, specifically designed for medium to larger commercial accounts
  • Superior service with experienced underwriters
  • Expedient policy issuance
  • 21+ years exclusively supporting wholesale market
  • Emphasis on fundamental underwriting
  • Competitive and consistent pricing
  • Competitive commissions


16 carriers top-rated by A.M. Best*

Coverage Highlights

  • Available limits in all California zones
  • Highest EQ/DIC limits in the industry
  • Broad coverage
  • Highest EQ/DIC limits in the industry
  • Designed specifically for medium-to-larger commercial accounts
  • Written on primary or excess layers or combination of various attachment points
  • Minimum Total Insured Value (TIV)
    • $10 million general property


* Steadfast Insurance Company “A+” (XV); Princeton Excess & Surplus Lines Insurance Company “A+” (XV); Lloyd’s of London “A” (XV); Hamilton Insurance Designated Activity Company “A-“ (XIV); Everest Indemnity Insurance Company “A+” (XV); QBE Specialty Insurance Company “A” (XV); Mercer Insurance Company “A” (XI); Palomar Excess and Surplus Lines Company “A-“ (IX); Hudson Specialty Insurance Company “A” (XV); General Security Indemnity Company of Arizona “A+” (XV); Old Republic Union Insurance Company “A+” (XV); HDI Global Specialty SE “A” (XV); CUMIS Specialty Insurance Company, Inc. “A” (XI)

Target Market

Preferred construction types:

  • 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

How to quote


Lew DeFuria, President 619.881.8560 | [email protected]
Walter Salas, Executive Vice President 619.881.8734 | [email protected]

Submission Requirements
  • Named insured and mailing address
  • Excel spreadsheet statement of values: City, State, Zip Code
    • Construction, occupancy, year built
    • Square footage of building, number of stories and buildings
    • Breakdown of values
  • Insured business description/operations
  • Effective date
  • 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