Difference in Conditions (DIC) Insurance is designed to enhance multinational insurance programs by providing broader coverage where local policies may contain exclusions, limitations, or coverage gaps that differ from the intent of the global insurance strategy.

DIC coverage helps create greater consistency across jurisdictions by aligning local protection with the broader terms and conditions of the master program.

Coverage typically responds when a covered loss is excluded or not fully addressed under an underlying local policy but would otherwise be covered under the master policy structure.

This can include differences in policy wording, exclusions, insured perils, or local market limitations that create inconsistencies in protection across regions.

DIC coverage is commonly incorporated into Controlled Master Programs (CMPs), such as the WMB Global Risks Global Master Program, to support coordinated global protection while respecting local regulatory and admitted insurance requirements.

Difference in Conditions Insurance is designed to help multinational organizations reduce coverage fragmentation, strengthen claims consistency, and maintain a more aligned and resilient global insurance structure.

→ Learn more about incorporating DIC coverage into your Global Master Program