Earthquake Insurance – Protect Your Business from Seismic Risk

Why having Earthquake Insurance is Important

Earthquake Insurance covers physical damage and loss caused by seismic activity, which is excluded from most standard property policies. Businesses located in earthquake-prone areas like California, Oregon, or Washington should strongly consider this protection.

Coverage includes damage to buildings, equipment, and inventory, and may include business interruption if added by endorsement. Deductibles are typically based on a percentage of the property’s insured value, which can be substantial depending on the location and structure type.

Because earthquake events can cause widespread damage, coverage availability and cost can vary. Working with an insurance advisor who understands regional risk factors is key to securing the right protection at the appropriate level.