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Hinterland Insurance
E&S · Commercial Earthquake

Commercial Earthquake & DIC Insurance

Every risk is individually assessed by an underwriter, not an algorithm. Up to $55M in full-value EQ/DIC capacity, available nationwide.

Full Value EQ/DIC
Up to $55M
subject to carrier participation
Primary & Excess
$45,000,000
combined capacity
Limit, No TIV Cap
$20,000,000
standalone option
DIC (EQ + Flood)
$20,000,000
combined limit
EQ + flood DIC
Combined limit to $20M
A Rated carriers
A.M. Best A or better
In-house authority
Delegated underwriting
Available nationwide
Nationwide coverage
Program Details
Full Value EQ/DIC
Up to $55M
subject to carrier participation
Primary & Excess
$45,000,000
combined capacity
Limit, No TIV Cap
$20,000,000
standalone option
DIC (EQ + Flood)
$20,000,000
combined limit
Minimum Premium
$15,000
per policy
Carrier Rating
A.M. Best A
or better
Risk Appetite

What we write.

Habitational · Apartments, hotels, mixed-use
Historic / Vintage · Heritage-listed commercial buildings
Professional · Office and professional occupancies
Retail · Neighborhood and community centers
Restaurants · Free-standing and in-line
Hotel / Motel · Limited- and full-service
Warehouses · Light industrial, storage
Out of appetite: Agriculture · Energy sector · Financial guarantee, default, or bankruptcy exposure
Availability

Available nationwide.

Capacity is broadly available. Hover or tap a state for status.

Covered
Not covered
Maine: availableMEAlaska: availableAKWisconsin: availableWIMichigan: availableMIVermont: availableVTNew Hampshire: availableNHWashington: availableWAIdaho: availableIDMontana: availableMTNorth Dakota: availableNDMinnesota: availableMNIllinois: availableILIndiana: availableINOhio: availableOHPennsylvania: availablePANew York: availableNYMassachusetts: availableMAOregon: availableORUtah: availableUTWyoming: availableWYSouth Dakota: availableSDIowa: availableIAMissouri: availableMOKentucky: availableKYWest Virginia: availableWVVirginia: availableVANew Jersey: availableNJConnecticut: availableCTRhode Island: availableRICalifornia: availableCANevada: availableNVColorado: availableCONebraska: availableNEKansas: availableKSArkansas: availableARTennessee: availableTNNorth Carolina: availableNCDistrict of Columbia: not currently writtenDCDelaware: availableDEMaryland: availableMDArizona: availableAZNew Mexico: availableNMOklahoma: availableOKLouisiana: availableLAMississippi: availableMSAlabama: availableALGeorgia: availableGASouth Carolina: availableSCHawaii: availableHITexas: availableTXFlorida: availableFL

Available: Maine, Alaska, Wisconsin, Michigan, Vermont, New Hampshire, Washington, Idaho, Montana, North Dakota, Minnesota, Illinois, Indiana, Ohio, Pennsylvania, New York, Massachusetts, Oregon, Utah, Wyoming, South Dakota, Iowa, Missouri, Kentucky, West Virginia, Virginia, New Jersey, Connecticut, Rhode Island, California, Nevada, Colorado, Nebraska, Kansas, Arkansas, Tennessee, North Carolina, Delaware, Maryland, Arizona, New Mexico, Oklahoma, Louisiana, Mississippi, Alabama, Georgia, South Carolina, Hawaii, Texas, Florida.

Not currently written: District of Columbia.

How to Submit

From submission to bind.

01
Submit
Email complete submission to DIC@hinterlandins.com.
02
Review
A named underwriter runs modeling and requests any missing engineering detail.
03
Firm Quote
Quote issued once limit, deductible, and layer structure are confirmed.
04
Bind
Bind orders honored up to policy effective date. Binder issued once bind is instructed.
Submission Checklist
Send these to move fast.
DIC@hinterlandins.com
ACORD Application Fully completed ACORD 125 + Earthquake supplemental
SOV in Excel Format Locations, TIV, year built, construction, soil type if known
Target Premium Expiring premium or broker target to align limit and deductible
Seismic Engineering Report If available. Speeds up modeling on older or non-ductile construction
FAQ

Common questions.

Up to $55,000,000 in full-value earthquake/DIC capacity, subject to carrier participation, with $45,000,000 available across primary and excess. A standalone $20,000,000 limit option carries no TIV cap.

Have an earthquake risk to place?

No blanket exclusions for building age or construction type. Every risk is individually modeled and assessed by an underwriter.

Get appointed