For insurance buyers, insurance agents and insurance wholesalers!For insurance buyers, insurance agents and insurance wholesalers!
Ck Specialty Insurance Associates, Inc.
Contact Us
contact_phone Click to call
Ck Specialty Insurance Associates, Inc.
Contact Us
contact_phone Click to call

Earthquake Insurance

Ck Specialty Insurance Associates, Inc. offers a flexible Earthquake Insurance program designed for both residential and commercial properties. With in-house underwriting authority and access to a range of non-admitted markets, we help agents place coverage for clients with property exposures in earthquake-prone areas.

This program is ideal for agents with clients who need standalone earthquake coverage—whether they own single-family rentals, apartment complexes, commercial buildings, or mixed-use properties. We accept a broad range of structures, including those with tuck-under parking and soft-story construction, which are often excluded by other carriers.

Accepted property types include:
  • Residential dwellings (1–4 units and multifamily)
  • Commercial buildings and retail spaces
  • Mixed-use structures
  • Buildings with soft-story design or tuck-under parking

Coverage Highlights:
  • Standalone earthquake coverage
  • Coverage available for buildings, business personal property (BPP), tenants' improvements and betterments (TIB), and business income
  • Ordinance or law coverage available
  • Competitive rates across all accepted risks

For example, you may have a client in California who owns a small strip mall with a soft-story design. Our program can provide standalone earthquake protection even when standard markets decline the risk. Or, a landlord in Oregon with multiple rental dwellings can use our program to insure against seismic losses not covered in the standard property policy.

Underwriting Guidelines:
  • Minimum premium: $750
  • In-house underwriting for quick turnaround
  • All construction types considered, including soft-story

Territories:
We currently offer this program in the following states: Arizona, California, Colorado, Idaho, Montana, Nevada, Oregon, and Washington.

Why Work With Ck Specialty Insurance Associates?
As an experienced excess & surplus lines broker, Ck Specialty brings deep knowledge of challenging property risks. Our access to flexible, competitive markets enables brokers to find solutions for earthquake exposures that are often underserved. Our team is responsive, and our in-house authority allows for faster quoting and binding.

Whether you're placing coverage for one building or a portfolio of properties, Ck Specialty is your go-to partner for earthquake insurance solutions.

Frequently Asked Questions

What types of accounts are a good fit for this earthquake insurance program?

This program is ideal for residential and commercial properties, including soft-story buildings, mixed-use structures, and properties with tuck-under parking that may be declined by standard carriers.

Is the earthquake coverage offered on a standalone basis?

Yes, Ck Specialty offers standalone earthquake coverage, allowing flexibility even if the underlying property policy is written elsewhere.

What is the minimum premium for this program?

The minimum premium for eligible accounts starts at $750.

Which states is this program available in?

This program is currently available in AZ, CA, CO, ID, MT, NV, OR, and WA.

Does this program accept buildings with soft-story construction?

Yes, buildings with soft-story design or tuck-under parking are acceptable under this program.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Excess & Surplus Lines Broker
  • Admitted:
    All Available Markets
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    Very Competitive
  • Min Premium:
    $750.00

Browse

Request a Quote Now!

CONTACT INFORMATION

LOCATION

3150 Almaden Expressway Suite 252
San Jose, CA 95118
800-411-0083
0C60214
View Map
CompleteMarkets is The Insurance Industry's Professional Network
Please Register for FREE or Sign In to contact
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.
Ck Specialty Insurance Associates, Inc. has other insurance programs like Alarm and Electronic Security Insurance.