Whether you’re placing high-value homeowners or large commercial property owners, Gorst & Compass Insurance offers tailored Earthquake Insurance solutions to help you place difficult-to-insure accounts with confidence. As a specialist wholesale broker, we provide access to a broad panel of admitted and non-admitted markets, making it easier for independent agents and brokers to secure earthquake coverage for clients in seismically active regions.
Ideal Accounts and Program Appetite
Our Earthquake Insurance program is built for both residential and commercial exposures. We can accommodate properties with total insured values up to $30 million, including single-family homes, apartment buildings, office complexes, retail centers, and industrial facilities. We are especially competitive on high-value dwellings and income-producing properties located in earthquake-prone areas.
Examples of clients that fit this program include:
• A commercial property owner with a $15 million warehouse in California
• A landlord with multiple residential rental units in a high-risk seismic zone
• A high-net-worth homeowner seeking full structure and hardscape protection
Coverage Highlights and Advantages
We work with 15 specialized markets to deliver flexible solutions across a range of needs and budgets. Key program features include:
• Admitted and non-admitted options (available in most states)
• Multiple deductible structures to match different risk tolerances
• Optional excess (XS) Earthquake and XS Flood layers
• EQ Sprinkler Leakage coverage
• Building Ordinance and ICC/Demo coverages
• Protection for hardscape and masonry veneer
• Competitive commissions to support your book growth
Underwriting Notes and Minimum Premiums
Gorst & Compass adopts a flexible underwriting approach and a broad risk appetite. Minimum premiums vary by risk characteristics and selected coverages. Our underwriting team partners with agents to structure submissions and identify market fits for challenging accounts.
Territories and Availability
This Earthquake Insurance program is currently offered in California, with access to both admitted and non-admitted carriers. Many participating markets may consider placements in other states depending on carrier appetite and the specific risk profile. Contact our team to discuss multistate opportunities.
Why Work With Gorst & Compass Insurance?
As a leading wholesale broker, Gorst & Compass Insurance brings decades of specialty property experience and deep carrier relationships to help retail agents place complex earthquake risks. Our strengths include responsive underwriting, diverse market access (admitted and non-admitted), and practical solutions for high-value and income-producing properties. Whether you represent a single high-value home or a portfolio of commercial real estate, we collaborate with you to find the right coverage and terms.
Frequently Asked Questions
What types of accounts are a good fit for this Earthquake Insurance program?
This program is ideal for high-value residential homes and large commercial properties, including warehouses, apartment complexes, and retail buildings located in earthquake-prone areas.
Is this program available outside of California?
Currently, the program is available in California. Some markets may consider placements in other states depending on carrier appetite and the account's risk profile—contact us to explore multistate options.
What coverage enhancements are offered?
Optional enhancements include XS Earthquake and XS Flood layers, EQ Sprinkler Leakage, Building Ordinance & ICC/Demo, and coverage for hardscape and masonry veneer.
Are both admitted and non-admitted carriers available?
Yes. Gorst & Compass works with both admitted and non-admitted markets to provide flexible placement options for agents and their clients.
What is the minimum premium for this program?
Minimum premiums vary based on the property's characteristics and selected coverages. Contact our underwriting team for a tailored quote and market options.
Need help placing an account? Connect with a market specialist.