Business Insurance
Commercial Earthquake Insurance, explained.
Standalone protection, because standard commercial property excludes earthquakes.
Commercial Earthquake Insurance
Commercial Earthquake insurance pays to repair or rebuild your commercial building, replace damaged contents and cover lost business income after an earthquake. It is a standalone policy because standard property forms exclude earth movement.
Inside a Commercial Earthquake policy.
Building damage from earth movement
Business personal property
Inventory, equipment, fixtures
Business income & extra expense
Debris removal
Is this for you?
Owners of commercial buildings in seismic zones
Tenants with significant leasehold improvements
Companies with inventory or equipment that can’t be quickly replaced
Any business dependent on a specific physical location
Businesses with loans that require earthquake coverage
Plain language answers.
Are earthquake deductibles different?
Yes, they are usually a percentage (5 to 20%) of the property limit, not a flat dollar amount.
Does this cover earthquake caused fire?
Most property policies cover fire even when caused by an earthquake. Earthquake coverage handles the shake damage itself.
Is it available for all states and risks?
Yes, markets exist nationwide, with pricing reflecting local seismic risk.
Coverages that pair well with this one.
Ready for a Commercial Earthquake quote?
A short form or a quick call. We’ll shop it across 50+ carriers and come back with options.