Commercial Earthquake Insurance
Commercial earthquake insurance is specialized coverage for earthquake damage to your restaurant's property, which is excluded from standard commercial property policies.
What You Need to Know
Standard property insurance doesn't cover earthquake damage — you must purchase this separately. It covers structural damage to your building, broken equipment, and lost inventory from earthquake events.
Why It Matters for Restaurant Owners
If you operate in earthquake-prone areas (California, the Pacific Northwest, Alaska), this coverage is essential despite higher premiums and deductibles. Even moderate earthquakes can shatter glass, topple equipment, and damage buildings beyond repair.
Without coverage, you're personally funding all repairs and replacement costs. Evaluate your location's seismic risk, your building's construction type and age, and your financial ability to rebuild before deciding whether to skip this coverage.
Get restaurant insurance built around how you actually operate.
Tell us your concept, your coverage questions, and your state — and we'll put together the coverage that actually applies.
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