No. Both are excluded from a business owners policy and are written separately. Earthquake is purchased as its own policy, typically with a deductible set as a percentage of the coverage limit rather than a flat amount. Flood is written through a private flood market or the federal program depending on the building. For a business it is worth looking at how each treats business income as well as building and contents, since an interruption after a quake or flood is often the larger loss.
Related FAQs
Not necessarily. It is often efficient, but the right structure depends on your risks. We help you compare the fit, not just the format.
No. Workers’ comp is separate and is required in California once you have employees.
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