PRODUCT HIGHLIGHTS

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SIU boasts some of the greatest capacity in the DIC market.

 

We can handle large and complex catastrophe risks across a broad range of asset classes and offer the following best-in-class features:

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• Difference in Conditions (DIC) insurance, including earthquake, EQSL, and flood coverage

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• Earth movement available on an individual account basis with referral approval

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• Coverage for flood available outside of 100-year flood zones and in conjunction with an earthquake policy

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• DIC/earthquake and flood on course of construction available (36-month max term)

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• $62,500,000 in total primary capacity (higher capacity is available with referral approval)

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• $50,000,000 in excess capacity

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• Coverage available in all states except North Dakota

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• Minimum premium: $2,500 in A and B zones, $2,000 all other

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• Minimum deductible earthquake: 5% in A, B, and E zones, 2% all other

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• Earthquake deductible buy-down coverage available

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• Minimum deductible flood: $25,000 (outside 100-year flood zones)

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• No maximum TIV restrictions

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• All parking types and construction classes are acceptable (certain restrictions apply)

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• Acceptable classes of business include, but are not limited to, homeowners associations, apartments, high-value dwellings, real estate, office buildings, hotels, retail, restaurants, and light manufacturing

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• Ineligible risks include petrochemical risks; refineries including petroleum recyclers of any kind; stadiums or amusement arcade risks including attractions and/or rides; electric utilities; risks over water or on stilts; pilings, piers, wharfs or docks; and historical buildings

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