Earthquake Coverage
Definition. Earthquake Coverage is a separate endorsement or policy covering earthquake damage — explicitly EXCLUDED from standard Commercial Property and BOP.
Also known as: EQ Coverage
Critical in earthquake-prone states (CA, AK, WA, OR, UT). California Earthquake Authority (CEA) for residential; private carriers + state pools for commercial. Deductibles often very high (10-25% of building value).
Example
California restaurant building damaged by 6.0 earthquake; $400K damage with 15% deductible = $340K covered. Standard Commercial Property would have paid $0.
Sources cited
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📘 Educational content only.
Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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