DIC/Earthquake Coverage

Difference In Conditions (DIC)

Difference in Conditions (DIC) coverage is written to “wrap around” an all-risk policy to add perils that are normally excluded in standard forms.   More specifically, commerical clients pursue DIC coverage in order to obtain coverage for their earthquake and/or flood exposure.

Earthquake is defined differently in most policies but is intended to mean under ground seismic forces but not including Landslide, Rockslide, Mudflow, Earth Rising, Earth Sinking, or Earth Shifting unless as a direct result of an Earthquake.

Some carriers include Volcanic Eruption, explosion or effusion with their definition of Earthquake.

Flood is usually described as rising water, the unusual and rapid accumulation or runoff of surface water, tidal water or rising of lakes, ponds, reservoirs, rivers, harbors, streams and similar bodies of water, whether driven by wind or not and spray, and mudslides which are caused or precipitated by accumulations of water on or under the ground.

The commercial DIC policy can provide earthquake and/or flood coverage for:

  • Buildings
  • Tenant Improvements and Betterments
  • Business Personal Property and/or stock
  • Loss of Business Income, Rental Income or Extra Expense

Target Marktes:

Office Buildings, Homeowners Associations, Apartment Buildings, Hotels, Retail, Light Manufacturing


Up to $15,000,000 per risk limits in zones other than critical zones of A and B, $10,000,000 in zones A and B

Primary/Excess Placements:

Coverage can be written in primary or excess attachments