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DEDUCTIBLE - The amount of first-dollar loss that the insured retains, on either a per occurrence (specific) or annual aggregate basis, before the primary layer of insurance coverage responds.

DEPARTMENT OF LABOR (DOL) - Federal governmental body with supervision over employment-related issues including employee benefits covered under the Employee Retirement Income Security Act (ERISA).

DIFFERENCE IN CONDITIONS (DIC) - A policy that insures against perils included in a special risk policy or supplements coverage’s in a named perils policy. Often used to provide flood and earthquake coverage.