Earthquake Insurance

Coverage Beyond Standard Business Property Insurance

Why Earthquake Coverage Matters for Businesses

Earthquakes are an unavoidable risk for many businesses, particularly in regions where seismic activity is part of everyday reality. Despite this exposure, earthquake damage is not covered under standard commercial property insurance policies. Earthquake insurance is designed to help businesses recover from damage caused by ground shaking, fault movement, and related seismic events. At DRD Insurance, we help business owners understand commercial earthquake insurance and how it fits into a comprehensive risk management strategy. Earthquakes can cause significant structural damage, equipment loss, inventory destruction, and extended business interruption, all of which can threaten long-term viability. Commercial earthquake insurance may provide coverage for buildings, certain contents, and additional expenses associated with recovery, depending on the policy selected. Deductibles for earthquake coverage are often structured differently than other policies, commonly based on a percentage of insured value, making informed planning especially important. As an independent insurance agency, DRD Insurance works with specialized earthquake insurance providers and programs to compare coverage options, limits, and deductibles. We take the time to explain how coverage applies, what exclusions may exist, and how claims are handled following a seismic event. Earthquake insurance is not about predicting when an earthquake will occur—it is about preparing financially so your business can recover more quickly and continue operations after a major event.

Protect Your Business From Seismic Risk

Structural Damage Coverage

Commercial earthquake insurance can help cover repairs to buildings and structural components damaged by seismic activity, including foundations, walls, and permanently installed systems.

Equipment and Contents Protection

Coverage may extend to business equipment, machinery, and certain contents damaged or destroyed during an earthquake, helping reduce costly replacement expenses.

Deductibles and Risk Management

Earthquake insurance deductibles are often percentage-based, making it essential to evaluate coverage limits and financial preparedness when selecting a policy.

Planning for Business Recovery After an Earthquake

At DRD Insurance, we approach commercial earthquake insurance with a focus on education and practical planning. Many business owners underestimate seismic risk or assume existing policies provide sufficient protection, only to discover gaps after a loss occurs. Our process begins by reviewing your business location, building characteristics, and current insurance coverage to identify exposure. Because we are an independent agency, we are not limited to a single earthquake insurance provider. This allows us to compare policy options and explain differences in coverage structures, deductibles, and limits. We help business owners understand how earthquake coverage fits alongside property and business interruption insurance, ensuring there are no unexpected gaps. Our team stays informed about seismic risk assessments, carrier offerings, and regulatory considerations so guidance remains accurate. If an earthquake occurs, we assist clients in understanding the claims process and coordinating next steps, reducing confusion during recovery. As businesses grow, renovate, or relocate, we proactively review earthquake coverage to ensure protection remains aligned with evolving risk. At DRD Insurance, earthquake insurance is not sold through fear—it is offered through clear information, thoughtful preparation, and long-term business resilience.