What is Difference in Conditions (DIC)?
A difference-in-conditions (DIC) policy fills gaps in a commercial property program — often adding flood, earthquake, and other excluded perils in one broadening policy.
Who needs it
- Contractors, trades & small businesses
- Owners needing a COI today to win a job
- Growing companies adding crews or trucks
Difference in Conditions (DIC) FAQ
Can I get Difference in Conditions (DIC) today?
Yes — that's the point. You can book a quick consult (in-person, Zoom, or phone), and we'll have you covered fast.
Do you shop multiple carriers?
We're independent with 80+ appointed carriers, so we compare your options instead of pushing one company.
What does it cost?
It depends on your situation — start a quote or book a consult and we'll give you a real number, no guessing games.
Get Difference in Conditions (DIC) today
Quote, buy, or book a quick consult — whatever's easiest for you.