Overview of the Program From M.J. Hall & Company
M.J. Hall & Company, Inc. provides brokers and agents with access to a specialized DIC (Difference in Conditions), Earthquake, and Flood Insurance program. Designed for commercial and residential property owners with exposures that are often excluded from standard property insurance policies, this program offers flexible solutions through a variety of A-rated admitted and non-admitted carriers.
Ideal Accounts and Appetite
This program is ideal for hard-to-place or higher-risk property types, including:
• Apartments
• Commercial buildings of all types
• Condominium Associations
• Dwellings (limited)
• Homeowners Associations
• Hotels
• Older buildings
• Buildings with tuck-under parking (limited)
• Warehouses
Whether your client owns a multi-unit apartment complex in a seismic zone or a commercial building in a flood-prone area, M.J. Hall’s program can help fill critical coverage gaps.
Coverage Highlights and Advantages
The DIC, Earthquake, and Flood Insurance program offers broad coverage options to address exposures typically excluded under standard property policies. Key features include:
- Access to both admitted and non-admitted markets
- Primary limits up to $30,000,000
- Excess coverage available for larger accounts
- Minimum premiums starting as low as $2,500
This program is suitable for accounts needing tailored solutions due to geographical risks, building age, or structural characteristics. You can secure protection for clients who would otherwise face major exclusions in traditional policies.
Underwriting Notes and Minimum Premiums
Underwriting flexibility is a key advantage of this program. Risks are reviewed on a case-by-case basis, with consideration given to building age, construction type, location, and occupancy. Minimum premiums start around $2,500, though actual pricing may vary based on risk characteristics and coverage limits.
Territories and Availability
This program is currently available in the following states:
- Arizona (AZ)
- California (CA)
- Hawaii (HI)
- Nevada (NV)
These regions often present significant flood and earthquake exposures, making this program an essential solution for property owners in high-risk zones.
Why Work With M.J. Hall & Company
As an experienced Excess & Surplus Lines Broker, M.J. Hall & Company provides agents and brokers with responsive service, underwriting expertise, and access to a broad array of competitive markets. Their deep understanding of property risks—including those that fall outside standard underwriting appetite—makes them a valuable partner for placing complex or unusual risks.
For more information on our DIC, Earthquake, and Flood Insurance, contact us today!
For more information about DIC, Earthquake, and Flood Insurance, please feel free to call or email.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for apartments, commercial buildings, HOAs, condo associations, and older properties—especially those located in flood or earthquake-prone areas.
Which states is this program available in?
The DIC, Earthquake, and Flood Insurance program is currently available in Arizona, California, Hawaii, and Nevada.
Are both admitted and non-admitted carriers available?
Yes, M.J. Hall & Company works with various A-rated admitted and non-admitted carriers to provide flexible options based on your client’s needs.
What is the minimum premium for this program?
Minimum premiums start at approximately $2,500, though exact pricing will depend on the specifics of each risk.
Can I get excess coverage for larger properties?
Yes, excess coverage is available for accounts that require limits beyond the $30,000,000 primary capacity.
Need help placing an account? Connect with a market specialist.