IAT’s CA Fair Plan Wrap Program

Covering the Gaps in California's FAIR Plan

How IAT’s Wrap Program Can Help

The Difference in Conditions (DIC) Program from IAT is designed to wrap around California's FAIR Plan. The FAIR Plan offers baseline coverage for commercial property owners, but leaves critical gaps in coverage for major events that can still severely harm California business owners. The combination of the IAT’s DIC Wrap and the FAIR Plan provides equivalent coverage as the ISO Special Causes of Loss Form. IAT’s Wrap offers clients more complete coverage with broad eligibility, deductible options, and flexible limits — allowing businesses to get back on their feet.

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Learn about the IAT DIC Program

Explore our guides to learn what IAT's Difference in Conditions Program offers partners and their clients — and how to get started today.

California Wrap Program Highlights

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Perils Comparison

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Highlights

A copy of the CA Fair Plan quote/policy
SOV w/const, sq ft, # of stories, bldg age and indicate if the building has automatic sprinklers
Acord 125 & 140
3 years of Loss Runs

IAT’s Wrap can provide limits matching the insured’s CA Fair Plan policy
$5,000 minimum AOP and water damage deductible
Deductible must be equal to or greater than the insured’s CA Fair Plan policy

Primary Dwellings (H0-3), Vacant Properties, Builders Risk

17.5% commission

$5,000 minimum premium

Agency Bill, Full Pay. This is a Non-Admitted product

Built-In Additional Coverages You Would Expect on a Standard Property Product

Debris Removal
Non-Owned Detached Trailers
Electronic Data Processing: Data and Media*
Emergency Service Charge
Newly Acquired orConstructed Property
Electronic Data Processing: Equipment*
Fire ProtectiveEquipment Discharge
Property Off Premises
Limited Coverage for “Fungi”Wet Rot and Dry Rot
Pollutant Cleanup and Removal
Accounts Receivable*
Personal Effects &Personal Property of Others
Preservation of Property
Claim Preparation Expenses
Reimbursement ofKey and Lock Costs
Reward Reimbursement
Fine Arts*
Valuable Papers and Records*

*Provided on a Special Causes of Loss basis

Contact Jordan Lee for more information about IAT's DIC Program.

Cover the Gaps of California’s FAIR Plan