1. Insurance for highly protected risks (HPRs) is generally used for

		An insured that needs loss prevention engineering.
		Large property accounts.
		Small property accounts.
		An insured that needs to control property losses.

1. Difference in conditions (DIC) policies

		Do not contain exclusions.
		Are primary if other coverage is involved.
		Do not cover catastrophic exposures.
		Cover perils not covered by the basic policies.