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Commercial DIC Special Form Coverage

New One-of-a-Kind Commercial Additional Perils Wrap Available in CA Wildfire Zones!

Additional Perils Wrap + California Fair Plan Basic Perils = Special Form Coverage

Guidelines:

Properties must be on the California Fair Plan solely due to their location in a wildfire zone
Insureds must purchase all Basic Cause of Loss perils from the California Fair Plan
Building/BPP limits must match the Basic Coverage Policy. Coinsurance is not required to match.

Property Requirements:

Property older than 25 years will require the following:
- Roofing must have been updated in the past 25 years
- Plumbing must be copper or PVC
- Plumbing older than 40 years must be referred
- No Polybutylene plumbing
- Any risks that do not meet guidelines must be referred to your underwriter
Central Station Alarm is required when offering theft coverage on non-habitational occupancies

California Fair Plan Required Basic Peril Coverages:

Fire
Lightning
Explosion
Extended Coverage
- Windstorm or Hail
- Smoke
- Aircraft or Vehicles
- Riot or Civil Commotion
- Sinkhole Collapse
- Volcanic Action
Vandalism
Sprinkler Leakage for Qualifying Buildings

The Following Are Not Available within this Program:

Business Income coverage
Coverage for Vacant Buildings and Builder’s Risks

$500 Minimum Premium