Place earthquake and Difference in Conditions (DIC) coverage through Wholesale Connection Insurance Services (WCIS). As a dedicated wholesale broker, WCIS provides agents access to 15+ markets and tailored solutions for earthquake exposures throughout California and select other states. Use this program to secure competitive terms for both routine and hard-to-place property risks.
Overview of the Program From WCIS
WCIS specializes in placing Earthquake and DIC risks for agents who need market access and experienced underwriting. Our team evaluates each property’s exposure — from newer construction to older, retrofit-challenged buildings — and finds the best available carriers and structures. We combine admitted and non-admitted market options through our broker relationships to give you flexibility when standard markets are constrained.
Ideal Accounts and Appetite
This program is a fit for agents writing:
- Commercial property owners (office, retail, industrial) in seismically active areas
- Multi-unit residential landlords and apartment portfolios
- Real estate investors with multiple locations or schedules of properties
- High-value dwellings and large-schedule residential risks
- Properties with varied parking configurations (surface, garage, underground)
Example scenarios: you might have a client with a multi-unit apartment building in Los Angeles needing DIC limits above a primary policy, or a shopping center in San Francisco requiring flood plus earthquake protection. WCIS helps structure options for both.
Coverage Highlights and Advantages
- Admitted market placement available alongside surplus lines options
- Premiums can start around the program’s minimums, with flexibility by risk
- Deductible programs that can be as low as 5% in California and 2% in other states (location dependent)
- Capacity up to $50,000,000 and excess limit solutions over primary coverages
- Flood coverage options available as part of a broader DIC solution
- Loss-limit policy structures offered to help manage pricing and claims exposure
- Responsive underwriting and quick quote turnaround for most submissions
Underwriting Notes and Minimum Premiums
Each submission is reviewed by experienced underwriters who understand earthquake modeling, building vulnerability, and regional exposure differences. Pricing and appetite depend on location, construction type, occupancy, retrofitting, and aggregate schedules. While terms vary by carrier and risk profile, WCIS works with you to identify the most competitive markets for each account.
Territories and Availability
This program is primarily available in California, with select options in other states. Deductible offerings, admissibility, and coverage features vary by territory — WCIS tailors placements to local exposures and marketplace conditions.
Why Work With WCIS on Earthquake Accounts
WCIS combines deep earthquake placement experience with broad market access. Agents benefit from:
- Access to more than 15 markets and multiple placement strategies
- Underwriters who understand complex property schedules and retrofit issues
- Fast, practical guidance on structuring DIC and excess layers
- Dedicated support on submissions and timely quote turnarounds
Contact Robin Kravitz at (818) 251-3511 or
[email protected] to discuss a submission or get a quote.
Frequently Asked Questions
What types of accounts are a good fit for this DIC - Earthquake program?
This program is designed for commercial and residential property owners, including multi-unit housing, shopping centers, office buildings, and high-value dwellings. Large schedules and portfolio placements are also considered.
Is this program available outside of California?
Yes. California is the primary territory, but WCIS can place earthquake and DIC coverage in select other states. Deductible options and terms vary by location.
Are flood coverage and excess limits available?
Yes. Flood coverage options and excess layers over primary policies are available through WCIS’ market relationships.
What is the turnaround time for quotes?
WCIS aims for quick quote turnaround by leveraging experienced underwriters and access to multiple markets. Actual timing depends on the complexity of the submission.
Do you accept submissions for older buildings or properties with non-standard parking?
Yes. WCIS reviews both newer and older structures and accepts properties with various parking configurations, including underground and enclosed garages. Underwriting will consider construction, retrofit status, and exposure details.
Need help placing an account? Connect with a market specialist.