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.
One moderate quake can total a building and shutter the business for months. Without standalone coverage, the loss is yours.
Is this for you?
Inside a Commercial Earthquake policy.
When this coverage pays off.
Major quake cracks a building
Structural damage requires evacuation. Earthquake coverage pays to repair the building and replace damaged equipment.
Inventory loss from shaking
Shelving collapses and inventory is destroyed. The policy replaces stock so the business can reopen.
Business income for downtime
Repairs take 6 months. Lost revenue and ongoing payroll are reimbursed during the closure.
Plain-language answers.
Yes — they are usually a percentage (5–20%) of the property limit, not a flat dollar amount.
Most property policies cover fire even when caused by an earthquake. Earthquake coverage handles the shake damage itself.
Yes — markets exist nationwide, with pricing reflecting local seismic risk.
Ready for a Commercial Earthquake quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.