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Business coverage

Commercial Earthquake Insurance

Earthquake damage is excluded from standard commercial property policies, which is a serious gap for any California business given the state's active faults. A major quake can crack foundations, topple inventory, and shutter operations for months, and because it isn't part of your regular policy, this separate coverage is the only way to fund the rebuild.

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Who this coverage is for

Commercial earthquake insurance is for California businesses that want protection against seismic damage, which standard property policies exclude. Given the state's earthquake risk, it is an important consideration for owners of buildings, equipment, and inventory.

What it can help protect

This coverage helps your business recover from earthquake damage that other policies leave out:

  • Building damage — helps repair or rebuild your structure after a quake.
  • Contents coverage — helps replace equipment, inventory, and furnishings damaged by shaking.
  • Covered seismic events — responds to earthquake shaking and related ground movement.
  • Gap protection — fills the earthquake exclusion in standard commercial property policies.
  • Recovery support — helps you rebuild and reopen after a damaging quake.
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Key choices and underwriting factors

A licensed review will usually focus on construction type and occupancy, deductible strategy by location, and portfolio planning for multiple buildings.

Common Questions