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Glossary D-E

design-build professional liability insurance

designer bugs

design liability

destroyed medical waste

destruction and removal efficiency (DRE)

development factor


difference-in-conditions (DIC) insurance

difference-in-limits (DIL) clause

Digital Flood Insurance Rate Map (DFIRM)

diminution in value

direct action

direct damage

direct damage coverage

direct discharger

direct filtration

Directive on Data Protection

direct loss

direct market

directors and officers (D&O) liability insurance

direct premiums

direct selling system (direct marketing)

direct threat

direct writer

direct writing captive

direct writing carrier

direct written premium

dirty bomb


disability benefit

disability income insurance

disappearing deductible


disaster recovery plan

disciplinary proceeding expense coverage


discount rate


discovery cover

discovery period

discovery provision

discovery rule


disease loading



disparate impact discrimination

disparate treatment discrimination



distribution system

diversification credit

divided risk endorsement

dividend accumulation

dividend addition

dividend options


divisible contract clause

docket control system


domestic insurer

domestic terrorism


domicile manager

domino theory

dose response

dose-response assessment

dose-response relationship

double excess coverage

double indemnity

double protection

downsizing exclusion

draft authority

dramshop liability

'D' ratio

drive other car endorsement

Driver's Privacy Protection Act (DPPA)

drop down provision

druggist liability insurance

dry pipe sprinkler system

dual agency

dual capacity

due diligence

duty to defend

duty to pay


dwelling property coverage forms

dynamic financial analysis (DFA)

dynamic risk





earned premium

earned reinsurance premium

earned surplus

earnings before interest, dividends, depreciation, and amortization (EBIDDA)

earnings guidance

earnings insurance

earth movement or earthquake exclusion

earthquake coverage


easement appurtenant

easement by prescription

easement, public

EC endorsement

ecological risk assessment

economic capital

economic cost of ruin (ECOR)

economic damages

Economic Loss Doctrine

economic or use value

economic value added (EVA)


EDP coverage

educators legal liability (ELL) insurance

EEO-1 report

effective date

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Our Location

Santa Maria & Company

1550 Parkside Drive, Suite 200
Walnut Creek, CA 94596
Main office: 925-956-7600
Toll free: 866-921-3347
Fax: 925-956-7601

Our Providers


I found the rare breed of insurance company that fights for you and stands by you. If you are looking for an insurance company that has integrity and amazing customer service, I would hands down, wholeheartedly recommend Santa Maria

Eli I., Remodeling Contractor
As a home builder in Northern California, I have endured numerous complicated issues while trying to protect my business from unforeseen liabilities, satisfying the multiple requirements of individual municipalities, and doing so at a reasonable expense. Santa Maria and Company has been instrumental in these dealings by providing quality advice, creative alternative solutions, and excellent service.

Dennis C., Home Builder
Santa Maria & Company helped guide our business through a difficult time by being proactive, informing us of potential obstacles, and avoiding surprises. Their customer focus has clearly covered the present, the future, and the 'what if' conditions that all businesses must deal with. We feel that our company is very well prepared to handle our complicated risk-related issues because of their support and guidance.

Robert M., Equipment Manufacturing Executive
The company is sincere, honest, always looking out for our best interests. They continually work to understand our business, to develop strategies to mitigate our exposure. That gives us a real competitive advantage.

Shaun M., Food Industry Risk Manager
Santa Maria & Company has helped us solve some tough insurance challenges, but they continue to identify emerging risks, such as cybercrime, and help us protect against them. Their customer service is fantastic.

Jeff B., Medical Industry CFO
This company knows the local insurance market better than the larger brokers ever could. They are true experts who take the time to explain all of our coverage options and help us make the right decisions. It's almost like having an insurance professional on staff.

Matt A., Food Industry Executive
It is a real advantage to work with risk insurance experts that have underwriting experience. Since we have been working with Santa Maria, we've grown a great deal and other companies are always trying to win our business. Santa Maria has the expertise in insurance and high tech industry risks that we need and their personal service is excellent.

Cynthia G., Technology Industry Executive