Commercial Earthquake
Insurance Coverage

At Commercial Coverage Insurance Agency, our core practice is commercial property insurance on a national basis.  Commercial Earthquake Insurance is a risk reduction method to transfer the risk of earthquake loss to an insurer. Earthquake Insurance is purchased because of one of three conditions.

Learn How We Protect Your Investments

Quality Earthquake Coverage
You Can Depend On

High Equity in Properties

When debt service is low, and equity is high the preservation of capital becomes a priority. When the incremental cost of purchasing earthquake insurance is financially bearable, property owners tend to place an earthquake policy to reduce the risk of a major financial loss.

Third Party Requirements

When financing is predicated on purchasing earthquake coverage, the property owner is required to place this coverage. We see these requirements typically with larger investment funds as a fiduciary responsibility, some traditional or local lenders, seller carries, and hard money loans.

Self-Elective to Purchase

When the policy is reasonably affordable and the property owner is risk adverse to the exposure, the additional expense of purchasing earthquake insurance provides them piece of mind.

Advanced Risk Management &
Cost Reduction Strategies

Insurance you can depend on.

In some cases, your holdings may be large enough to a apply premium reduction strategy by utilizing a loss limit against the entire portfolio. When appropriate, our loss limit strategy can provide the same coverage with a substantial savings, as much as 40% in some cases.

Our Risk Advisors can advise on a policy for a single location or a portfolio of properties to meet your specific needs and lender requirements. Whether you need a full limit earthquake policy, or a layered loss limit blanket against a portfolio of properties, at Commercial Coverage Insurance Agency, we know earthquake coverage.

Earthquake Insurance Programs

Rates on Commercial Earthquake insurance have dropped in recent years making it more affordable and more deductible options have become available. Don’t expose yourself to the risk of not being covered for the peril of earthquake

Commercial Earthquake Insurance F.A.Q

Earthquake & Flood

Earthquake & flood (difference in conditions) policies provide coverage beyond that normally provided by standard fire policies. The most commonly provided additional perils are earthquakes and flood. However, additional peril coverage may be provided depending upon the needs of each individual risk. 


What Kinds of Damage Do Earthquakes Cause?

Aside from the obvious potential of total destruction to your home, here are some other kinds of damage that may happen due to an earthquake. These are just examples of some types of earthquake damage and risks and do not portray all possible threats from earthquake activity. This list can give you an idea of what you might want to protect yourself from by buying an earthquake insurance endorsement or policy.

  • Partial to the total destruction of buildings
  • Building Collapse
  • Structural damage to buildings that create dangerous circumstances and require repair
  • Structural damage to additional structures on your property, including items like swimming pools
  • Damage to other property and landscaping
  • Explosions
  • Fires
  • Gas Leaks
  • Landslides
  • Avalanches
  • Flash floods
  • Tsunami
What Is Commercial Earthquake Coverage

Earthquake coverage is offered to commercial property owners on behalf of a diverse line up of strong carrier partners

Earthquake coverage is provided on Buildings, Business Personal Property, Tenant Improvements or Betterments, Business Income/Rental Value and/or Additional Property Coverage (signs, pools, fences, etc.). Optional coverage includes Flood (outside SFHA A and V), Earthquake Sprinkler Leakage, Ordinance or Law and Mold Clean-Up and Removal.


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