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Difference in Conditions


More than one million earthquakes occur every year around the world. Neither the U.S. Geological Survey, Caltech, or any other scientists have ever predicted a major earthquake. They do not know how, and they do not expect to know how any time in the foreseeable future.

HCC Specialty's Difference in Conditions (DIC) division offers coverage for commercial earthquake exposures. With more than 20 years of combined experience in this market, the DIC team offers coverage ranging from small homeowners associations to large Fortune 500 companies. HCC Specialty's experience and knowledge enable us to offer creative and flexible solutions within our wholesale distribution channel.

Summary of Coverage

The commercial DIC policy can provide earthquake coverage for:
  • Buildings
  • Business personal property and/or stock
  • Loss of business income, rental income or extra expense
  • Tenant improvements and betterments

Target Insureds

  • Apartment buildings
  • Homeowners associations
  • Hotels
  • Light manufacturing
  • Office buildings
  • Retail

Available Limits

  • Up to $15 million per risk in zones other than critical zones of A and B
  • Up to $10 million in zones A and B

Excess Limits Available

  • Coverage can be written in primary or excess attachments

Geographic Scope

  • United States

Underwriting Contacts

Eric Mihailovich
Sr. Vice President
(619) 702 8162

Todd Ruyak
Sr. Vice President
(619) 702 8162

Business Development Contact

Mark Barry
Sr. Vice President of Sales & Marketing
(781) 994 6000

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