No, most insurers do not offer difference in conditions insurance policies. DIC policies are usually offered by surplus lines carriers, which are companies willing to take on higher risk policies. This includes policies that are higher risk than the average homeowners or business insurance policies. The National Flood Insurance Program (NFIP), for example, is one primary supplier of surplus lines policies, and it underwrites flood policies for homes across the country. NFIP insurance might be available through a local carrier and would help cover flooding and related mudflow issues. DIC policies, on the other hand, may cover landslides and earthquakes, and are purchased separately from your regular business insurance provider.