Specialty Property Earthquake Insurance Program

offered by All Risks, Ltd.
All Risks provides Difference in Conditions insurance (DIC) including Earthquake, Earthquake Sprinkler Leakage and Flood to commercial entities with in-house binding authority for full value and primary limits of $16,000,000. This commercial earthquake insurance coverage is available to apartments, homeowners associations, hotels, motels, retail shops, office buildings, light manufacturing facilities, restaurants and more.

Program Highlights
  • $16,000,000 Full value and Primary limits with in-house binding authority
  • $100,000,000 maximum insurable values
  • Available Earthquake deductibles as low as 5% in CRESTA zones A & B and 2% in all other CRESTA zones and states
  • Flood deductible is $50,000 per occurrence and All Other Perils deductible is $25,000
Target Classes
  • Apartments
  • Homeowners associations
  • Hotels and motels
  • Retail shops
  • Office buildings
  • Light manufacturing facilities
  • Restaurants
Construction Type
  • Tilt-up construction – 1975 and newer
  • Wood frame construction – 1940 or newer in CA, 1950 or newer in all other states
  • All other types of construction – 1950 or newer in CA, 1960 or newer in all other states
  • Earlier construction may be accepted with evidence of sufficient Earthquake retrofit construction or adequate bolting to the foundation
Submission Requirements
  • ACORD form
  • Summary of the risk
  • Proposal summary with proposed effective date
  • Statement of Values (SOV) in Excel format

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Availability

Covered
Not Covered
AK, AR, AZ, CA, HI, IL, IN, KY, MO, MS, NV, OH, OR, TN, UT, WA

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