Not all Difference in Conditions policies are the same so they must be carefully evaluated by prospective purchasers of these policies. DIC policies are intended to protect the insured from risks outside the scope of most standard insurance policies. They generally provide extended coverage for defined perils that are catastrophic in nature such as floods, mudflows, landslides, earthquakes and other natural disasters. These policies are available to cover businesses, commercial properties, and high valued homes. They are unique, complex policies that do not have a standard industry form or content. Due to the high risks, assumed by the insurance company, the deductibles tend to be high as are the premiums. Call us to protect your family and property.

Umbrella liability insurance policies are available to cover business liability, homeowner liability auto liability, watercraft liability, and more. They are also available to protect against libel, slander, vandalism , and invasion of privacy. People who engage in activities that increase their chances of being sued often purchase umbrella liability insurance. These people Include landlords, people who post negative reviews of people and businesses, and sports coaches of children.

Terrorism Insurance

Terrorism insurance is a type of insurance that can be purchased in the United States to cover potential losses. It is very expensive and is priced on a case-by-case basis because underwriting terrorist risk is extremely difficult. The combination of uncertainty and potentially huge losses keep many insurance carriers out of the market. The location of the insured is a significant factor. Large buildings in large cities carry the highest premiums. Smaller properties in rural areas receive the best premium rates. Terrorism insurance policies are not standard policies. They differ greatly but most cover property damage and business interruption, including loss of profits. Most exclude acts of war, cyber events, and nuclear, biological, chemical, and radiological events.

Most insurance companies domiciled in California will not insure the following: ambulance services, amusement parks, fireworks displays, blasting operations, building demolition, scaffolding contractors, and security guards. Consequently, these high risk areas and others are almost insured by foreign insurance companies.

Earthquake Insurance

Loss Assessment Coverage

Flood Risks and Insurance

Water Damage Legal Liability Insurance

California Fair Plan