No. Earthquake is excluded from standard California commercial property policies, so it is purchased separately, either through a private earthquake insurer or in some cases a specialty market. The mechanic that surprises people is the deductible, which is typically set as a percentage of the coverage limit rather than a flat dollar amount, so the out-of-pocket figure scales with the value insured. It is also worth knowing that building, contents, and business income inside an earthquake policy can carry their own limits and deductible treatment rather than moving together.
Related FAQs
It depends on your goals and budget. We recommend you review the tradeoffs with us so there are no surprises at claim time.
Typically your business personal property and any improvements you paid for, since your landlord usually insures the building. We help confirm this against your lease.
It may help replace lost income and cover ongoing expenses while you recover from a covered loss.
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