Commercial Earthquake Insurance

Protect your business property against earthquake damage – a critical coverage excluded from standard commercial policies.

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Why Standard Policies Don’t Cover Earthquakes

Standard Policy Exclusion

Earthquake damage is specifically excluded from standard commercial property insurance policies. This means without separate earthquake coverage, your business bears 100% of the risk.

Building Vulnerability

Commercial buildings can suffer structural damage, foundation cracks, broken windows, and damage to contents and inventory during seismic events.

Financial Protection

Earthquake insurance provides coverage for repair or replacement of damaged property, business interruption losses, and extra expenses during recovery.

What Earthquake Insurance Covers

Building & Structure

Repair or replacement of damaged building components including foundations, walls, roofs, and structural elements.

Code Upgrades

Costs to bring repaired buildings up to current building codes, which may be more stringent than original codes.

Business Personal Property

Damage to equipment, inventory, furniture, computers, and other business contents inside the building.

Debris Removal

Costs to remove damaged building materials and debris before repairs can begin.

Business Interruption

Lost income and extra expenses if your business must close temporarily due to earthquake damage.

Emergency Repairs

Temporary repairs to prevent further damage immediately after an earthquake.

Earthquake Preparedness Tips

Secure Building Contents

Anchor heavy furniture, equipment, and shelving to walls to prevent tipping during shaking.

Business Continuity Plan

Develop a plan for operations during recovery, including alternative locations if needed.

Emergency Communication

Establish communication protocols with employees, customers, and suppliers for post-earthquake.

Inventory Documentation

Maintain current records of business property for insurance claims purposes.

Protect Your Business from Earthquake Damage

Don’t leave your business vulnerable to one of the most common exclusions in commercial insurance. Get a customized earthquake insurance quote today.

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