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According to the United States Geological Survey (USGS) nearly 90% of Americans live in a seismically active region. In fact, Florida, Iowa, North Dakota and Wisconsin are the only four states that have not experienced an earthquake from 1975 to 1995. The most active seismic areas run along the West Coast plate boundaries of California, the Pacific Northwest and Alaska.
While there are areas that are more susceptible than others, most of the United States could potentially be at risk to experience property damage due to an earthquake. Unfortunately, you cannot count on your business insurance policy to cover earthquake damage, as it’s not generally included in a standard commercial property policy.
Failing to protect your business by obtaining a solid policy is putting your business at risk and, depending on your location, could very well be a necessary measure.
When you’re ready to secure coverage for your business, there are a few important factors to keep in mind:
1. Does the policy cover only your building? What about any commercial vehicles, manufacturing equipment & tools, computers & office furniture?
2. Will your policy pay for the contents of your building and lost profits if your building is badly damaged or destroyed?
3. Will there be any exclusions or limitations to your coverage?
4. What kind of deductible will you be responsible for before the insurance kicks in?
We can help you find the lowest rates and implement the policy that works best for your needs.
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