Commercial DIC Risk Appetite
Commercial Earthquake and DIC risks!
Capacity:
• California: $20mm limit | Max TIV $20mm
• Other States: $25mm limit | Unlimited TIV
Approved States:
• Rated A-VIII with Admitted
capacity in the following states:
AK, AR, AZ, CA, IL, IN, KS, KY, MO, NV, OK,
OR, TN, UT & WA
Target Occupancies:
• Apartments / Condos
• Nursing Homes
• Mercantile / Shopping Centers
• Offices, Professional Buildings
• Hotel / Motel
• Lessors Risk
• Light Manufacturing; Assembly Only
• Course of Construction
*On a case by case basis, may consider older buildings with proof of
retrofitting
• Accounts with BI exposure over 40% of TIV
• Highly damageable contents over 10% of TIV
• Tuck-under or soft story parking ineligible
• Known poor soil conditions ineligible
(i.e. very high liquefaction, bay mud / soft soil)
• Unreinforced masonry (URM) construction
• Frame construction older than 1956,
or any other construction older than 1975*
Minimum Location Level Information
Required For Quoting:
• Original Year Built
• Construction Type
• Occupancy
• Building Height /
Number of Stories
• Parking Type
• Square Footage
• TIV Breakdown
Coverage, Minimum Premium & Fees:
• Acceptable Coverages: Earthquake, EQSL, Flood
(EQ can be written as a standalone peril)
• Minimum Premiums will vary by state (CA: $500)
• Deductibles vary by state, as low as 2%
• Fees vary by state
• Policy Term: 12 Months, up to 24 Months for COC risks
Contact your Underwriter for more information or to obtain a quote.
Monarch E&S also offers Commercial General Liability, Property Packages, Inland Marine,
Professional, Personal, and Special Risk Lines as well as Brokerage markets.