Floods, earthquakes and other perils are never in your plan, and almost every business needs protection against these potential threats. Difference in Conditions (DIC) makes more complete insurance protection affordable by:

  • Tailoring coverage to your specific needs by selecting only the causes of loss you want to cover and the time element options that work best for you.
  • Purchasing only the limit you need for blanket property coverage without danger of a coinsurance penalty.
  • Choosing a significant deductible that fits your ability to assume loss, rather than being unprotected against a potential disaster.. 

Closing Coverage Gaps in Your Property Coverage

The nature of Difference in Conditions Coverage is to receive more complete protection against infrequent large loss events, such as flood or earthquake. Covered property can include the insured’s real property, personal property and improvements as well as time element exposure.