Whether you’re working with high-value homeowners or large commercial property owners, Gorst & Compass Insurance offers comprehensive Earthquake Insurance solutions to help you place difficult-to-insure accounts with confidence. As a trusted wholesale broker, we provide access to a wide range of admitted and non-admitted markets, making it easier for independent agents and brokers to secure specialized coverage for clients in seismically active regions.
Ideal Accounts and Program Appetite
Our Earthquake Insurance program is designed 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 particularly competitive on high-value dwellings and income-producing properties located in earthquake-prone areas.
You may have clients such as:
• 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 offer flexible solutions that fit a range of needs and budgets. Our Earthquake Insurance program includes:
• Admitted and non-admitted options (most available states)
• Multiple deductible structures to suit various risk tolerances
• Optional XS Earthquake and XS Flood layers
• EQ Sprinkler Leakage
• Building Ordinance, ICC/Demo coverage
• Coverage for Hardscape and Masonry Veneer
• Competitive commissions to help you grow your book
Underwriting Notes and Minimum Premiums
We offer flexible underwriting and a broad risk appetite. Minimum premiums vary depending on the risk and selected coverage options. Our team works closely with agents to find viable placements for even challenging accounts.
Territories and Availability
This program is currently available in California, with access to both admitted and non-admitted carriers. Many of our markets can also extend to other states, depending on carrier availability and risk profile. Contact us directly for multistate opportunities.
Why Work With Gorst & Compass Insurance?
As a leading wholesale broker, Gorst & Compass Insurance brings decades of experience and strong market relationships to help retail agents place specialized property risks. Our Earthquake Insurance solutions are backed by a responsive underwriting team, diverse carrier access, and competitive terms that help you serve your clients effectively. Whether your client owns a single high-value home or a portfolio of commercial properties, we can help you secure the right protection.
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, but some markets may allow for placements in other states depending on risk profile. Contact us for more details.
What coverage enhancements are offered?
Optional enhancements include XS Earthquake and XS Flood, 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 Insurance works with both admitted and non-admitted markets to provide flexible options for your clients.
What is the minimum premium for this program?
Minimum premiums vary based on the risk and selected coverage options. Contact our team for a quote tailored to your client's needs.
Need help placing an account? Connect with a market specialist.