5 Cities Insurance
Commercial Earthquake Insurance for California Businesses
Commercial earthquake insurance covers damage from seismic events, which commercial property policies exclude. Given California's seismic exposure, businesses often consider a separate earthquake policy or endorsement, with terms and deductibles that differ from property.
Coverage line pending confirmation
This line is shown for educational purposes. 5 Cities Insurance is confirming whether it offers this coverage and holds the appropriate authority. Until confirmed, this page is not an offer of coverage. Contact us to discuss whether it applies to your business.
Who may need this coverage
- California property owners and tenants
- Businesses with buildings or contents vulnerable to seismic shaking
- Companies whose lenders require earthquake coverage
What it may cover
- Building and contents damage from a covered earthquake event
- Some time-element losses where endorsed
- Debris removal
Common exclusions and limitations
- Damage from causes other than seismic shaking, such as fire following earthquake
- Land movement outside the policy's definition
- Business interruption unless specifically endorsed
FAQ
Commercial Earthquake questions
Ask about this coverage
Contact us to confirm whether this line is available for your business.