Earthquake & Flood
(Difference in Conditions)
Provides coverage beyond that normally provided in commercial fire policies more commonly known as earthquake and flood insurance.
It happens all the time. Prospective clients are in a jam ... they need a quick
solution and they need exceptional creativity. Who can they turn to when
looking for earthquake and flood insurance carriers?
Fortunately, theres RLI. Our underwriting talent is the best in the industry. Just as importantly, our
underwriters have the green light to call them as they see them. While other underwriters
are phoning the home office, our underwriters are presenting solutions and binding
coverage. It happens all the time.
Experience and talent make a firm foundation
RLI succeeds by providing excellent service and flexibility through knowledgeable
underwriting of catastrophic perils.
When youre looking for innovative solutions to highly specialized
needs like earthquake insurance in California and throughout the U.S.
look to RLI.
Youll appreciate our expertise. Youll also appreciate our customer service. RLI
underwriters have binding authority. That breeds flexibility, confidence, efficiency, and
a level of personalized customer service that is hard to find.
Why wait any longer to meet your need for California earthquake
insurance, or other difference in conditions coverage? Call a broker in your
The premium charged shall be based upon the earthquake, flood and other peril rates.
The rates may be adjusted for layered policies (first loss or excess).
Policy minimum premiums will be established to reflect current conditions and expenses
including, but not limited to: catastrophe reinsurance capacity, portfolio probable
maximum loss analysis, and individual risk evaluation and exposure to known earthquake
faults, flood zones, etc.
Actual premiums are based on an analysis of the individual risk, the application of the
appropriate rates and underwriting judgment.
Earthquake & flood (difference in conditions) policies provide coverage beyond that normally provided by
standard fire policies. The most commonly provided additional
perils are earthquakes and flood. However, additional peril coverage may be provided
depending upon the needs of each individual risk. Coverage is provided for commercial and
residential property and inland marine exposures.
RLI offers coverage of up to $15,000,000 on any one policy or risk for
California and $25,000,000 for all other states.
RLIs earthquake & flood (difference in conditions) policies are available in all 50 states through
wholesale brokers located throughout the United States.
Types of Coverage
Loss of business income
- Additional coverage may be provided depending upon the needs of each individual risk.
- Coverage is provided for commercial and residential property and inland marine
Coverages are entertained and submitted through approved wholesale brokers.
Contact an expert