Difference in Conditions

Several million earthquakes occur every year around the world. Neither the U.S. Geological Survey, Caltech, or any other scientists have ever predicted a major earthquake. They do not know how to predict earthquakes, and they do not expect to know how anytime in the foreseeable future. Tokio Marine HCC's experience and knowledge enable us to offer creative and flexible solutions within our wholesale distribution channel.


  • DIC / earthquake or EQ only (no earth movement definition for primary, but can be considered in an excess position)
  • Flood in conjunction with EQ
  • Earthquake sprinkler leakage (EQSL)
  • Limits up to $20 million per risk

Target Insureds

  • Hotel
  • Office
  • Warehouse
  • Casino
  • Retail
  • Light manufacturing
  • Schools
  • Primary or layered accounts

Summary of Coverage

Tokio Marine HCC - Specialty Group's Difference in Conditions (DIC) division offers coverage for commercial earthquake exposures for:

  • Buildings
  • Business personal property and / or stock
  • Loss of business income, rental income or extra expense
  • Tenant improvements and betterment

With nearly 30 years of combined experience in this market, the DIC team underwrites clients ranging from small homeowners associations to large Fortune 500 companies.

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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tokio marine

Tokio Marine HCC is part of Tokio Marine, a $31 billion company

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