Overview of the Earthquake Insurance Program
Earthquake risk remains one of the most underinsured exposures in many regions. M.J. Hall & Company provides access to Earthquake Insurance markets that help you protect your insureds from this potentially catastrophic peril. Whether you are working with residential associations or large commercial buildings, we offer flexible coverage options through A-rated admitted and non-admitted carriers.
Ideal Accounts and Appetite
This program is designed to support agents placing property accounts that need standalone or excess earthquake coverage. We can consider:
- Apartment Buildings
- Commercial Properties (retail, office, mixed-use)
- Condominium and Homeowners Associations
- Hotels and Hospitality
- Warehouses and Industrial Buildings
- Older Buildings
- Properties with Tuck-Under Parking (limited)
- Dwellings (limited appetite)
You might have a client with a mixed-use building in a seismic zone or a condo association seeking earthquake protection outside of their master policy — both are great fits for this program.
Coverage Highlights and Advantages
- Access to A-rated admitted and non-admitted carriers
- Primary limits up to $30,000,000
- Excess coverage is available for larger schedules
- Competitive minimum premiums starting at $2,500 (varies by risk)
- Solutions for challenging property types and age classes
Underwriting Notes and Minimum Premiums
We work with a diverse network of markets that allows us to entertain a broad range of property types and construction classes. Underwriting will consider factors such as age of building, proximity to fault lines, construction type, and occupancy. Minimum premiums begin at $2,500 but may vary based on the specific risk characteristics and coverage structure.
Territories and Availability
This program is currently available in the following states:
- Arizona (AZ)
- California (CA)
- Hawaii (HI)
- Nevada (NV)
- Texas (TX)
Admitted options are available in select states, with non-admitted markets available for broader flexibility.
Why Work With M.J. Hall & Company, Inc.?
As one of California's most experienced general agents, M.J. Hall & Company brings in-depth underwriting knowledge and long-standing carrier relationships to every submission. We specialize in helping agents place earthquake and other specialty property risks that fall outside the standard market. Our team is ready to help you deliver solutions your clients need — quickly and reliably.
Contact us today to learn more or submit a risk for review.
Frequently Asked Questions
What types of accounts are a good fit for this Earthquake Insurance program?
Ideal accounts include commercial buildings, apartment complexes, condo associations, warehouses, and older structures in seismic zones. We also consider limited dwelling and tuck-under parking risks.
Are both admitted and non-admitted carriers available?
Yes, we offer options through A-rated admitted and non-admitted carriers, depending on the state and risk profile.
What is the minimum premium for this program?
Minimum premiums typically start at $2,500, but may vary based on the size, location, and construction of the property.
Can you write excess earthquake coverage?
Yes, we can provide both primary and excess earthquake coverage, with limits up to $30,000,000 and beyond depending on the risk.
Which states is this program available in?
This Earthquake Insurance program is available in AZ, CA, HI, NV, and TX.
Need help placing an account? Connect with a market specialist.