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) page.
Related FAQs
Yes. Many commercial earthquake and DIC programs can include business income and extra expense, so a quake does not just damage the building but also protects against the income ...
Commercial earthquake deductibles are usually a percentage of the insured values rather than a flat dollar amount, so your building and contents limits drive your out-of-pocket share. ...
No. Earthquake is excluded and must be covered separately.
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