FAQs

Difference-in-conditions coverage adds excluded catastrophe perils, commonly earthquake and flood, to your program, and can also broaden a California FAIR Plan fire policy. See the difference in conditions (DIC) ...

Wood-frame homes tend to perform better than masonry, but they are not immune. Coverage still protects against major structural and contents loss.

The CEA offers coverage through its member home insurers; private insurers write earthquake coverage independently, sometimes with different deductibles, higher limits, or standalone policies. We help you compare both. ...

Earthquake deductibles are a percentage of your dwelling limit, designed for major structural loss. You can often choose a lower percentage for a higher premium. The structure reflects the ...

No. California homeowners, condo, and renters policies exclude earthquake damage; it requires a separate policy or endorsement.

Usually yes. General liability excludes your professional services, which is the main risk a technology company faces.

Yes. We can quote the coverage and issue the certificate once it is bound. Some placements are quick and others need underwriting review, and we tell you which applies ...

Not quite. Cyber covers data and security events; tech E&O adds professional liability for the technology you deliver. Modern tech E&O policies usually combine both, plus media liability. ...

It depends on the scope. Some tree service work requires a state contractor license. We can help you understand how licensing may affect your coverage.

It may be, under tools and equipment (inland marine) coverage, which is built to follow gear like chainsaws and chippers to the job site.