Typically purchased in conjunction with a commercial property insurance program, difference in conditions coverage addresses those perils not generally insured against in the prior policy, most often being flood and earthquake.
Proper analysis of the environmental characteristics and historical occurrences of your organization’s immediate and general surroundings will help determine if this insurance is needed. Chivaroli & Associates has access to the resources necessary to complete these studies and will advise your organization of the potential implications associated with deciding whether or not to secure this coverage.
