Commercial earthquake insurance from our brokerage to your agency.

Earthquakes can really shake the foundations of your client’s business, and since they’re hard to predict, it’s important to make sure your client’s business is covered. Since 1900, there have been earthquakes in 39 states with damage recorded in all 50 states.

Property insurance might not cover earthquakes.

Some property insurance may exclude earthquake damage from the policy, meaning your client will need additional coverage for earthquakes to ensure they’re protected. In some instances, you may need to consider commercial earthquake insurance, especially if your client’s business is located near a geological fault line, where earthquakes tend to occur. Standard commercial earthquake insurance usually covers damage to your client’s building and business property, like damage to inventory or equipment.

Earthquakes can interrupt a business operations.

Earthquakes can tear apart neighborhoods, resulting in cracked and broken roads, downed power lines, landslides, and fires. All of these factors, including any damage to your client’s building, can force their business to shut down for days or weeks. Some earthquake insurance plans offer business interruption insurance, which can help your client avoid financial difficulties by providing income until they resume normal operations.

What earthquake insurance doesn’t cover.

It’s important to understand what earthquake insurance policies may not cover so your client is not left feeling unprotected. Earthquake insurance commonly excludes coverage for the following:

Earthquake insurance typically won’t cover land damage, like sinkholes or erosion, and they’ll need a separate flood insurance policy to protect the business from water main breaks, tsunamis, or other types of flooding caused by the earthquake.

Your client business should consider how to mitigate risks.

Risk management services can help you plan for a potential earthquake by examining your client’s current coverage for gaps and then finding quality coverage to protect the building, property, and employees.

For more information about commercial earthquake insurance and how it can help protect your clients business, reach out to us today.

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As an independent brokerage, we are here to help you find Commercial Earthquake Insurance coverage.