Does Commercial Property Cover Earthquake?
Usually not—standard commercial property policies exclude earthquake, so you need a separate earthquake policy or endorsement, and business income may need its own limit.
Usually not. Even a broad “special form” property policy typically excludes earth movement, so you need separate earthquake coverage or an endorsement. That coverage can insure physical damage to your building and contents; some earthquake policies also include business interruption, but with their own trigger and limits.
Read your policy’s earth-movement exclusion and ask whether an earthquake buyback is offered. When you compare a separate earthquake quote, check covered locations, building and contents limits, how the deductible is calculated, and exclusions. Ask directly whether business income is included and whether it pays after earthquake damage at your premises.
