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Commercial Earthquake Insurance by Sarvey Insurance .

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Commercial Earthquake Insurance provided by Sarvey Insurance

Earthquakes can cause hundreds of thousands of dollars worth of damage due to the intensity with which they strike.  Even if a building remains standing after an earthquake it could have structural damage to it that deems it unfit for occupancy. A commercial earthquake insurance policy provides the coverage you need to keep your business property financially stable.

What is Commercial Earthquake Insurance ?

A commercial earthquake insurance policy provides protection for your commercial property that your primary insurance policy does not.  Far too many commercial landlords are unaware that earthquake insurance coverage is not included in their standard property insurance policy until it is too late. Having an earthquake policy ensures you have the protection you need when the inevitable happens.  Landlords and companies not adequately prepared could be facing a disaster if and when an earthquake does occur.  Most building owners cannot afford the cost to repair and rebuild a building when a large earthquake hits.

What Does Commercial Earthquake Insurance Cover?

Your business earthquake policy will generally cover damage to your building and to your business property such as your inventory. Depending on the policy, lost business income caused by an earthquake may also be covered. Coverage only begins when damage has exceeded your policy’s deductible—the amount you pay out of pocket before your insurance kicks in. Earthquake insurance policies often have high deductibles—ranging from 2 percent to as high as 20 percent of the value of your building, depending on its location, age and condition.

What is the importance of Commercial Earthquake Insurance ?

Earthquakes in the United States are not covered under standard homeowners or business insurance policies. Coverage is available either in the form of an endorsement or as a separate policy for homeowners, renters and small business owners.

Unlike flood insurance, earthquake coverage is available from private insurance companies rather than from the government. Coverage for other kinds of damage that may result from earthquakes, such as fire and water damage due to burst gas and water pipes, is provided by standard home and business insurance policies in most states. Cars and other vehicles are covered for earthquake damage by comprehensive insurance which also provides protection against flood and hurricane damage as well as theft.

Already have Commercial Earthquake Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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