Commercial DIC/Earthquake

Palomar’s admitted, commercial Differences In Conditions (DIC) product provides earthquake, EQSL and flood coverages via a flexible solution designed to meet the needs of commercial property owners. Earthquake is available on a standalone basis.

Commercial DIC

Available in: AK, AR, AZ, CA, IL, IN, KS, KY, MO, NV, OK, OR, TN, UT, WA


  • CA: $20mm limit | Max TIV $20mm
  • All other: $25mm limit | Unlimited TIV

Coverage Highlights

  • Acceptable coverages: earthquake, EQSL, flood (outside zones A and V)
  • Minimum premiums will vary by state
  • Deductibles vary by state; as low as 2%
  • Fees vary by state
  • Policy term: 12 months | 24 months for COC risks

Target Occupancies

  • Apartments/Condos
  • Nursing Homes
  • Mercantile/Shopping Centers
  • Offices/Professional Buildings
  • Hotel/Motel
  • Lessors Risk
  • Light Manufacturing; Assembly Only
  • Course of Construction

Restricted Classes and Risk Characteristics

  • BI exposure over 40% of TIV
  • Highly damageable contents over 10% of TIV
  • Tuck-under or soft story parking
  • Poor soil conditions (very high liquefaction, bay mud/soft soil)
  • Unreinforced masonry
  • Frame construction older than 1956
  • All other construction older than 1975 (may consider older with proof of retrofitting)

Required Information

  • Original year built
  • Construction type
  • Occupancy
  • Building height / number of stories
  • Parking type
  • Square footage
  • TIV breakdown

Contact us to learn more about our products and coverages