Building Coverage
Coverage for earthquake damage to the building structure, including major systems and property improvements.
Commercial Earthquake Insurance for Apartment Buildings & Commercial Property Owners
Protect your building, rental income, and investment from earthquake damage with help from an agency that understands complex property risks.
Apartment Building Specialists
Commercial Property Expertise
Multiple Coverage Options
Risk Management
A major earthquake can threaten more than the building.
Commercial earthquake insurance can help property owners protect against structural damage, repair costs, loss of rental income, and the financial pressure that follows a major earthquake.
For apartment building owners, investors, and commercial property owners, the real risk is not only physical damage. It is also vacancy, tenant displacement, mortgage payments, code upgrades, and the time it takes to recover.
Good fit for:
- Apartment buildings
- Mixed-use buildings
- Retail and office buildings
- Industrial and warehouse properties
- Real estate investors
- Commercial property portfolios
Coverage
What commercial earthquake insurance can cover
Loss of Rental Income
Helps protect income if tenants cannot occupy the property after a covered earthquake loss.
Ordinance or Law
Important for older buildings that may need code upgrades after a major structural repair.
Deductibles
Understanding earthquake deductibles is critical.
Commercial earthquake policies often use percentage deductibles. That means the deductible may be based on the insured building value, not a small flat-dollar amount.
Example
$5,000,000Building Coverage
$500,00010% Deductible
$750,00015% Deductible
$1,000,00020% Deductible
Why Calico
Commercial earthquake coverage needs more than a quick quote.
Independent Agency
Calico is not limited to one insurance company, so property owners can compare available options.
Property Risk Experience
We focus on complex property risks, including apartment buildings, commercial property, and earthquake exposure.
Coverage Guidance
We help explain coverage, deductibles, limits, and policy differences before you choose.
Commercial Property Owners
Common issues we help property owners review
Soft-story or older construction
Building valuation
Loss of rents exposure
Deductible options
Ordinance and law coverage
Portfolio risk planning
Related Coverage
Coverage often reviewed together
Commercial earthquake insurance is often part of a broader property risk strategy.
FAQ
Commercial Earthquake Insurance FAQs
Is commercial earthquake insurance required?
Usually it is not required by law, but lenders, investors, or risk managers may require or strongly recommend it depending on the property and loan structure.
Does commercial earthquake insurance cover apartment buildings?
Yes. Apartment buildings are one of the most common property types reviewed for commercial earthquake insurance.
Does it cover loss of rental income?
Many policies can include loss of rents or business income coverage, but the details vary by policy and carrier.
How much does commercial earthquake insurance cost?
Cost depends on location, construction type, year built, building value, number of stories, deductible, and selected coverage options.
Are older buildings harder to insure?
Older buildings may require more underwriting review, especially if construction type, retrofit status, or soft-story exposure is a concern.
What deductible should I choose?
The right deductible depends on your risk tolerance, building value, reserve funds, lender requirements, and premium budget.
Protect your property before the next earthquake.
Start a commercial earthquake insurance quote online or speak with Calico Insurance Services.