California businesses need the earthquake coverage their property policy excludes
Standard commercial property policies exclude earthquake — and California sits on active faults. If a quake damages your building or contents, you’re on your own without dedicated coverage. Insurance City places commercial earthquake coverage for Central Valley businesses so a major event doesn’t end the business.
What commercial earthquake covers
- Building & tenant improvements — structural damage from a covered quake.
- Business personal property — equipment, inventory, and contents.
- Loss of income — while you repair and reopen.
- Available as a standalone policy or an endorsement, with deductibles set to your risk.
Why local businesses work with us
We’re independent, so we shop earthquake markets across major carriers instead of one company’s appetite. We explain how the deductible really works (it’s a percentage of value, not a flat dollar amount) so there are no surprises at claim time. Bilingual (English / Español) and local.
Get a commercial earthquake quote
Tell us your building, location, and values, and we’ll put together comparative quotes across carriers. Call (209) 670-1556 or request a quote below.
Frequently Asked Questions
Does commercial property insurance cover earthquakes?
No — standard commercial property policies exclude earthquake, and California sits on active faults, so you need a separate policy.
What does commercial earthquake insurance cover?
Structural damage to your building and tenant improvements, business personal property, and lost income while you repair and reopen.
How does the earthquake deductible work?
It is a percentage of the insured value, not a flat dollar amount — we explain exactly what that means so there are no surprises at claim time.
Insurance City offers comparative quotes on Commercial Earthquake Insurance from multiple insurance carriers so you can compare options and pick the right fit.
Want to compare your options? Request a quote and we’ll walk you through the coverages available.
Ready for a quote? Call, walk in, or send the form
Call (209) 670-1556 Request a Quote
956 W Robinhood Dr, Stockton · Mon–Fri 10am–6pm · Walk-ins welcome · Se habla español · ITIN accepted. Insurance City Agency, LLC · CA License #6003045. Reviewed by Santo Militello, California-licensed agent and owner (CA Lic. #1737723). Our licensed team brings more than 70 years of combined insurance experience.
