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, there’s 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 you’re looking for innovative solutions to highly specialized needs — like earthquake insurance in California and throughout the U.S. — look to RLI. You’ll appreciate our expertise. You’ll 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 area today.

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.

Coverage Amounts
RLI offers coverage of up to $10,000,000 on any one policy or risk. Facultative reinsurance in approved companies may be used to provide the full authorized capacity of $15,000,000.

Geographic Availability
RLI’s earthquake & flood (difference in conditions) policies are available in all fifty states, with wholesale brokers located throughout the United States.

Types of Coverage
Direct damage
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 exposures.

Contact an expert