Catastrophe
Insurance Your
Clients Can
Depend On

Your retail agents look to you to guide them in securing the right earthquake and flood coverage for their customers. To meet their needs, ICW Group can offer you skilled underwriters, competitive pricing, and responsive support.

Commercial DIC policy highlights

  • Capacity of up to $50,000,000
  • All classes of commercial property considered
  • Coverage offered for earthquake, EQSL, and incidental flood
  • Deductibles as low as 5% in California and 2% in other states
  • Minimum premiums as low as $2,500 in all areas

Confidently present ICW Group to your clients

Market
stability

With a written premium-to-surplus ratio below 1:1, more capital is available to protect insureds. Most insurance companies have a ratio greater than 2:1.

Expertise you
can trust

By truly listening to your needs, ICW Group and Risk Insurance Brokers' skilled underwriters help you find the right insurance solution for your client.

Financial
strength

Offer your clients the strength and stability of a "fully admitted" carrier whose market cap exceeds $3 billion and pools 100% of its capital to ensure customers are protected.

Market
stability

With a written premium-to-surplus ratio below 1:1, more capital is available to protect insureds. Most insurance companies have a ratio greater than 2:1.

Expertise you
can trust

By truly listening to your needs, ICW Group and Risk Insurance Brokers' skilled underwriters help you find the right insurance solution for your client.

Financial
strength

Offer your clients the strength and stability of a "fully admitted" carrier whose market cap exceeds $3 billion and pools 100% of its capital to ensure customers are protected.

Commercial flood
program highlights

Commercial flood program highlights

Stand alone program exclusive to California with: 

  • Up to $10,000,000 in limits
  • Most classes of commercial property considered
  • NFIP equivalent policy
  • Primary and excess

It’s easy to submit an application

Provide your retail agent the best in catastrophe insurance
by partnering with ICW Group.

Provide your retail agent the best in catastrophe insurance by partnering with ICW Group.

Secure ICW Group’s DIC coverage for your clients exclusively through
Risk Insurance Brokers.

Our partner company – Risk Insurance Brokers – is dedicated to providing a high degree of service and expertise in helping you secure the right coverage for your clients.

Frequently asked questions

DIC (Difference in Conditions) insurance provides coverage designed to close specific gaps in standard insurance policies and is usually available for larger industrial or commercial risks. It allows coverage to be customized to extend to such exposures as water damage, flood, collapse, earthquake, landslide, etc., according to the insured’s needs.

DIC coverage may be provided by means of a separate insurance policy or it may be added by endorsement to the basic policy.

All of our products offer coverages for commercial property exposures only.

For more information about our programs, Contact Us.

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