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Difference in Conditions Insurance

Difference in Conditions (DIC) insurance covers the difference in perils or causes of loss between the DIC coverage and the underlying first-party commercial property coverage. It can cover both property damage and loss of business income. DICs are written to cover all direct physical loss or damage subject to exclusions, limitations and what is covered by applicable primary underlying forms. These policies provide coverage for earthquake, flood, landslide, and other unusual and unforeseen occurrences. While traditionally used with large industrial and commercial properties, they can also be used with smaller properties. DIC coverage is underwritten by:

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