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

  • 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
Contact Your Commercial
Underwriter for More Information

  • $500 Minimum Premium