Difference in Conditions including Earthquake, Earthquake Sprinkler Leakage and Flood

National Specialty Program

Earthquakes happen on a daily basis and can cause significant property damage. All Risks provides Difference in Conditions insurance (DIC) including Earthquake, Earthquake Sprinkler Leakage and Flood to commercial entities with in-house binding authority for full value and primary limits of $16,000,000. This commercial earthquake insurance coverage is available to apartments, homeowners associations, hotels, motels, retail shops, office buildings, light manufacturing facilities, restaurants and more. Contact our commercial earthquake insurance specialists today to learn more about our Specialty Property Earthquake insurance coverage!

Program Highlights

  • $16,000,000 Full value and Primary limits with in-house binding authority
  • $100,000,000 maximum insurable values
  • Available Earthquake deductibles as low as 5% in CRESTA zones A & B and 2% in all other CRESTA zones and states
  • Flood deductible is $50,000 per occurrence and All Other Perils deductible is $25,000

 

States

AK, AZ, CA, HI, NV, OR, UT, WA
New Madrid Area states of AR, IL, IN, KY, MS, MO, OH, TN

Submit a Risk
  • Apartments
  • Homeowners associations
  • Hotels and motels
  • Retail shops
  • Office buildings
  • Light manufacturing facilities
  • Restaurants
  • Tilt-up construction – 1975 and newer
  • Wood frame construction – 1940 or newer in CA, 1950 or newer in all other states
  • All other types of construction – 1950 or newer in CA, 1960 or newer in all other states
  • Earlier construction may be accepted with evidence of sufficient Earthquake retrofit construction or adequate bolting to the foundation
  • ACORD form
  • Summary of the risk
  • Proposal summary with proposed effective date
  • Statement of Values (SOV) in Excel format

Need Help Right Now?

Complete the short form and an All Risks associate will contact you, or call 800-366-5810.

Earthquake Infographic

According to the United States Geological Survey the U.S. has about 20,000 Earthquakes a year and 42 states are at risk. Our infographic highlights additional statistics on recent earthquakes and their impacts.

Specialty Program Guide

Use this handy resource to review our custom program solutions.

Risk Control Portal

Help your clients develop employee best practices with over 1000 risk management and safety education resources and reference tools.

Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.