Commercial Earthquake and Difference In Conditions

Earthquake Product Features:

• In-house authority up to $13,000,000
• Brokerage capacity $100,000,000+
• Total insured value per location is available, and loss limits
• Replacement cost value or actual cash value, and functional value
• Deductibles available at 2%, 5%, 10%, or 15%
• Co-insurance available at 80%, 90%, 100%, waive co-insurance available
• Financing available

Difference In Conditions (DIC) Product Features:

• Same product features as Earthquake, with the addition of flood and landslide perils
• Product available in AK, CA, NV, OR, TX, UT, and WA - but other states can be submitted to brokerage markets

Optional Coverages:

• Business personal property
• Business income
• Loss of rents
• Ordinance or law (A, B, or C)
• Sprinkler leakage on braced and dry systems
• Foundations
• Post and pillar
• Underground utilities

Advantages of Writing with Griffin

• Low minimum premiums
• Attractive pricing on brick, brick veneer or stucco construction
• Especially competitive on older risks
• Quick turn around on submissions

Eligible Risks

• Product available in most states
• Any type of construction
• Condos
• Buildings do not have to be retrofitted
• No limits on age of building

*Coverage may not be available for all accounts or in all states

*Applications will apply to most markets but in certain circumstances additional applications may be needed

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