Differences in Conditions (DIC) Insurance offers our clients a coverage policy designed to fill in specific gaps created by standard insurance policies. We generally write this type of insurance policy for larger industrial or commercial risks seen on construction sites or in manufacturing operations.

With the addition of a DIC policy, we can customize your coverage to such exposures as:

  • Water Damage
  • Flood
  • Earthquake
  • Landslide
  • Collapse

It’s the small custom policies like these that allow our team to build the perfect insurance plan to keep your business protected and running … even during hard times.

Any questions?

Would a Difference in Condition policy work with my general liability policy to cover a disaster like an earthquake?
Yes, and then some! We build our insurance plans according to your specific needs. The first step is to have one of our OnMarket team members evaluate your business operations to determine which policies would best cover your specific needs.

What factors might affect the coverage costs for my business?
The most obvious things are size of the building you inhabit, type of building, and city you operate within. The type of work you’re doing within the building could also be a factor.

If I don’t have flood insurance, but suffer damage after a storm, would this policy cover the repairs?
Yes, this policy would step in to cover excess water damage that may be excluded by your property insurance, both policies working together to get you fixed up right. One of the top benefits of working with a brokerage like ours is that we can keep all of this organized … so you have ONE partner making sure you’re protected. We will work with you to make a list of everything in your operation at risk, and then write a custom plan to cover it all!

Click HERE for more information on how to contact an agent and get started with us!