Commercial Flood and Earthquake

Like your home policy, Business and Commercial Programs sold in California and many states do not cover against flood or earthquake. You can purchase protection for either type of hazard separately. While many think of a flood as levees breaking, the most common are storm drain backup and can happen in very small areas where only a few properties are affected. Based on flood and earthquake maps for some areas of the state, a bank may require you to purchase the insurance based on where your property is located. As the business owner you have some choices including the deductible so that you can keep your cost reasonable and the coverage ready for the just in case.

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