Commercial & Personal Earthquake Insurance

Commercial & Personal Earthquake Insurance Program

Crouse and Associates is your go-to resource for placing Commercial & Personal Earthquake Insurance. As a Managing General Underwriter and Excess & Surplus Lines Broker, we bring deep expertise and access to a wide range of markets, allowing us to tailor coverage to meet the unique needs of your clients across multiple property types.

Our Earthquake Insurance program offers coverage for Difference in Conditions (DIC) including Earthquake (EQ), Flood, and Earthquake Sprinkler Leakage (EQSL). Whether your client owns a commercial property in a quake-prone region or a high-value personal residence, we have the flexibility and carrier relationships to find the right fit.

Target Classes

We welcome submissions for a wide range of commercial and residential properties, including:

• Apartments
• Commercial Buildings
• Condominiums
• High-Valued Dwellings ($1M+ in values)
• Homeowner Associations (HOAs)
• Hotels and Motels
• Industrial Buildings
• Retail Stores
• Vacant Properties
• Warehouses

If you have clients with properties located in high-risk seismic zones or those with unique occupancy profiles, this program may be an excellent fit.

Coverage Highlights

Our program addresses critical exposures that traditional property policies often exclude. Coverage can include:

• Earthquake (EQ)
• Flood
• Earthquake Sprinkler Leakage (EQSL)
• Flexible DIC structures to meet client needs
• Multiple carrier options for optimal placement

You can confidently offer solutions for clients with large property values or multiple locations needing specialized protection.

Underwriting and Premiums

Minimum premiums vary based on location, property characteristics, and risk profile. Our underwriting team is responsive and experienced in evaluating complex risks, and we work with you to craft competitive solutions.

Submissions that include complete property details, construction type, location, and current coverage terms will receive the fastest turnaround.

States Available

This program is available in most U.S. states, including but not limited to: CA, WA, OR, NV, AZ, UT, CO, TX, FL, NY, and more. We support agents and brokers in all 50 states plus Washington D.C.

Why Work With Crouse and Associates?

With access to various carriers and the flexibility of non-admitted markets in most cases, Crouse and Associates is a trusted partner for earthquake insurance solutions. Our team understands the nuances of both commercial and personal risk profiles and offers hands-on support during quoting, binding, and servicing.

Whether you're placing a high-value single-family home or a multi-building commercial complex, we help streamline the process and deliver tailored coverage options.