Commercial Earthquake Insurance in California: Cost and Quotes

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Workers compensation in California isn’t the only thing that you need. You might also need to purchase commercial property insurance to keep business operations smooth.  You will find that your standard commercial property insurance policy in California doesn't cover damage caused by earthquakes. Therefore, getting California commercial earthquake insurance is essential. Here’s a guide that tackles all your questions about the coverage. 

A Quick Look at Some of California's Major Earthquakes and Their Effects

California is susceptible to earthquakes. It can experience up to 100 earthquakes each day. Many of these quakes are small in magnitude, but some have made history, and people still talk about them today. Look through some of the noteworthy earthquakes which make up California's earthquake history;

November 1980 Earthquake in West Eureka

The earthquake is also known as the Gorda Basin or Humboldt earthquake because it happened off the coast of Humboldt County. The earthquake injured six people, and people felt its aftershocks for days. The Gorda Basin earthquake also caused structural damage as chimneys fell, shifting four wood-frame houses off their foundations. The earthquake also caused a partial collapse of the Tompkins Hill Road Overpass.

Landers 1992 Earthquake

The Landers earthquake on June 28, 1992, was 7.3 magnitude strong. It was the largest earthquake to hit Southern California in 40 years. It raptured five different faults, which are;

  • Johnson Valley

  • Landers

  •  Camp Rock

  • Homestead Valley

  •  Emerson

The quake occurred in a sparsely populated area, but its effects were felt throughout Idaho, Arizona, Nevada, and Los Angeles.

On the same day and morning that the earthquake happened, another one of magnitude 6.5 happened in Big Bear. It is considered to be the most major aftershock of the Landers earthquake. The quake caused a lot of damage in Big Bear as it caused a 44-mile-long fault rupture and landslides which blocked and damaged roads in Bernardino Mountains.

In total, the two quakes caused at least 400 people to become injured. Also, they caused the death of a child who died from a fallen chimney and two others dying due to heart attacks.

Cape Mendocino 1992 Earthquake

This earthquake took place on April 25, 1992. It occurred in three sequences that out stretched up to Humboldt County. The three earthquakes occur at intervals of about one-two hours apart between 11:06-4:18 am. After the quake, some aftershocks of 6.6 and 6.5 happened the next day, April 26, 1992. 

Cape Mendocino 1992 Earthquake was so strong and the seismogram recorded magnitudes ranging from 6.5-8.5. These magnitudes triggered a tsunami that was heavily experienced at the shores. The damage that the earthquake caused included

  • Buildings

  • Roads

  • Bridges

Besides damages, no one died as a result of the earthquake despite the fact that hundreds of people were harmed.

Hector Mine Earthquake

On October 16, 1999 at around 2:46:44 am, Hector mine earthquake struck Southern California and some parts of Nevada and Arizona. The earthquake boasted a magnitude of 7.1. Although this was a high magnitude quake, it caused little to no destruction because it occurred in a remote area.

Having taken place in the heart of Mojave Desert it only caused damage to two bridges in California. The earthquake also left more than 250,000 residents without power in Southern California. However, scientists speculate that things could be much different if the same earthquake occurred in a densely populated area. 

El-Mayor-Cucapah Earthquake

Although the El Mayor-Cucapah earthquake happened in Mexico, it was centered in Baja, California and felt throughout the region;

  • Nevada

  • Arizona

  • Southern California

It was the largest quake to strike the area since 1892. It caused widespread liquefaction and caused damage to highways, buildings, and homes. Experts estimated that the economic loss was in terms of millions.

Ridge Crest Earthquake

On July 5, 2019, a 7.1 earthquake struck close to Ridgecrest in the Mojave desert. It was preceded by a 6.4 earthquake that struck about 7.5 miles southwest of the Searles Valley on July 4, 2019. Both quakes led to multiple aftershocks, with one of a magnitude as high as 5.5. The 7.1 earthquake was the largest in the area in about 20 years.