Earthquake

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Key featuresCoverage optionsOur appetite

Comprehensive protection for unexpected risks

DUAL offers earthquake property policies on an admitted and non-admitted basis. We write earthquake business exclusively through regional and national wholesale brokers to insure commercial property owners with our own or pre-agreed manuscript forms.

With over 120 years of combined experience, our team of experts provides customized coverage for vulnerable areas across the US and works with you to ensure your clients remain stable when disaster strikes. Flexible, tailored and comprehensive, DUAL’s best-in-class earthquake team offers a range of coverage and pricing options to deliver a single, seamless solution.

    Key features

    • Non-admitted, nationwide
    • Premiums start from $10,000
    • Coverage on a primary, full value, layered or excess basis
    • Select risks qualify for up to $85m in coverage
    • In-house claims handled by Catalytic Claims Services

    Coverages available

    We cover the following risks on a primary, full value, layered or excess basis:

    • Earthquake
    • Earth movement
    • Earthquake sprinkler leakage
    • Flood coverage can be considered in CA, WA and OR, subject to the following: excluding flood zones A/V
    • Buildings
    • Business personaly property
    • Tenant improvements and betterments
    • Business income, rental value and extra expense
    • Additional scheduled property (signs, fences, pools, etc.)
    • Ordinance and law on an optional basis
    Two workers examining earthquake damage

    Target classes

    Small and middle market accounts with TIVs ranging from $1m to multi-billion dollar schedules

    National accounts earthquake and flood exposure can be considered on an individual account basis

    Commercial habitational (condominiums and apartments)

    Office buildings and real estate

    Hotels and motels

    Retail

    Hospital and healthcare

    Restaurants

    Light manufacturing

    Smaller public entities including government, municipal and school boards

    Other occupancies are also eligible

    Excluded classes

    • Buildings older than 1937 and any historical buildings 
    • Brick, unreinforced masonry, or unreinforced concrete
    • Tuck under or soft story parking
    • Municipalities with TIV’s more than $300m
    • Mining risks
    • Soil with a very high liquefaction designation, unless it has an engineered foundation with formal documentation provided
    • Any risk associated in any way with marijuana, including simple lessor’s risks

    Document downloads

    For more information about our earthquake program, please download our appetite sheet below and contact a member of our team.

    Product resources

    Contact the expert

    Photo of Ian Fitt

    Ian Fitt

    President, Earthquake