Difference in Conditions (DIC) insurance covers the difference in perils or causes of loss between the DIC coverage form and that provided in the underlying first-party commercial property coverage form. It can cover both property damage and loss of business income. DICs are written to cover all direct physical loss or damage subject to exclusions and limitations. The coverage provided can best be ascertained by comparing the exclusions in DIC versus the ones in the primary underlying coverage form. These policies typically provide coverage for earthquake, flood and landslide but other more unusual and unforeseen occurrences are often picked up. While traditionally used with large industrial and commercial properties, they can also be used with smaller properties.