Construction is recorded precisely
Frame, masonry, concrete, steel and mixed construction do not behave the same way. The broker confirms the closest captured construction class for each building.
Commercial Earthquake Insurance in California
A dedicated earthquake intake for California commercial buildings. Start with the property facts the catastrophe market actually reviews.
We shop the market for you, no broker fees
Eight relevant markets are shown for comparison. Availability depends on the risk and location, and a logo does not imply a direct appointment.
ICAT
Commercial and habitational earthquake
QBE
Commercial earthquake and difference in conditions
RLI
Specialty property and earthquake
ICW Group
California earthquake risks
AIG
Commercial property and earthquake
Palomar
Earthquake and catastrophe property
Zurich
Commercial property and earthquake
GeoVera
Residential and habitational earthquake
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
The building schedule is the earthquake submission
Construction, occupancy, year built and replacement value determine how the property responds to shaking. The intake keeps those facts attached to each location instead of flattening them into one estimate.
Values stay with each location
Building, contents and business income values are collected with the property they belong to so the schedule can be reviewed as a whole.
Deductible choices remain visible
The applicant can state a deductible preference while the licensed broker confirms which options are available for the final structure.
Commercial properties this intake can describe
- Retail and office buildings
- Habitational and mixed use schedules
- One building or a scheduled group of locations
- Owner occupied and tenant occupied commercial property
- Buildings requiring standalone earthquake review
What changes your premium
There is no flat rate for this coverage. These are the inputs a carrier prices against, and they are the same things the quote form asks you for.
- Property address and earthquake territory
- Occupancy and construction type
- Year built and number of stories
- Building, contents and business income values
- Requested deductible and optional coverages
Text us. We're by your side.
Questions we get asked
Why is earthquake written separately from the property policy?
Earthquake is commonly excluded or limited under the permanent property program. A separate placement lets the applicant choose whether and how to insure that catastrophe exposure.
What values should I have ready?
Have the replacement value for each building, contents values and the business income amount that would be at risk after a covered loss.
Can you write this where my business is?
We are currently licensed in California only. Start a quote if the business or risk is in California, and we will confirm eligibility before you spend time on it.
What actually happens after I start a quote?
You answer a short set of questions, and a licensed broker at Menlo reads them, maps your operation to a class, and shops it with the carriers we are appointed with. There is no instant bind and no black box. You talk to a person before anything is quoted.
Get it placed by someone who reads the fine print
Start a quote and a licensed broker takes it from there, or talk to one now.