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NAPCO LLC
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NAPCO LLC
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Earthquake Coverage Insurance

Earthquake Coverage Insurance from NAPCO LLC

NAPCO LLC offers insurance agents and brokers access to global markets for placing complex property risks, including those with significant natural catastrophe exposures. Our Earthquake Coverage Insurance program is designed to help you secure capacity for accounts with high-value assets in earthquake-prone regions, where standard markets often fall short.

We specialize in difficult placements and provide a single-source, independent wholesale solution. Earthquake coverage is one of the most challenging components of property insurance, especially in high-risk zones such as California, the New Madrid Seismic Zone, the Pacific Northwest, and the Great Basin. Our program gives you access to excess and surplus lines markets and top-tier reinsurance providers to help protect your clients from catastrophic losses.

Ideal Accounts and Appetite

This program is ideal for clients with high-value commercial properties, portfolios with structures built prior to modern seismic codes, or operations in high-exposure seismic zones. We are particularly competitive with:
  • Real estate investment portfolios
  • Hospitality and resort properties
  • Retail centers and mixed-use developments
  • Industrial and warehousing facilities
  • Public entities and educational institutions
You might have a client with a large commercial real estate holding in Southern California or a manufacturing facility in the Pacific Northwest—both are strong candidates for this program.

Coverage Highlights and Advantages

NAPCO structures earthquake coverage using a layered approach to help achieve higher limits and better pricing for complex risks. Key advantages include:
  • Access to global markets, including major and specialty carriers
  • Flexible program structures tailored for multi-location or high-value properties
  • Solutions for properties with challenging construction types or high replacement costs
  • Options for both primary and excess layers

Underwriting Notes and Minimum Premiums

We focus on sustainable, rate-sensitive placements that align with market conditions. The minimum premium for our Earthquake Coverage Insurance program is $25,000. Submissions should include detailed property information, including construction type, year built, retrofitting status, and valuation data to expedite underwriting.

Territories and Availability

We offer this program to agents and brokers across the United States, including all 50 states and Washington, DC. Whether your client is located in California, New York, Missouri, or elsewhere, we can help you craft a solution that fits their seismic risk profile.

Why Work With NAPCO LLC?

As an excess and surplus lines broker with deep expertise in catastrophe-exposed property placements, NAPCO brings unmatched value to your most difficult risks. Our team works independently to secure the best available terms from a wide network of carriers and reinsurers. We understand the urgency and complexity of earthquake risk and deliver coverage options that are structured, competitive, and sustainable.

Contact us for more information on our Earthquake Coverage Insurance program

Frequently Asked Questions

What types of accounts are a good fit for this Earthquake Coverage Insurance program?

Accounts with high-value commercial properties in seismic zones—such as real estate portfolios, hospitality venues, schools, and large retail properties—are ideal candidates.

Is this program available nationwide?

Yes, the program is available in all 50 states and Washington, DC, including high-risk areas like California, the Pacific Northwest, and the New Madrid Seismic Zone.

What is the minimum premium for coverage?

The minimum premium for earthquake coverage through this program is $25,000, though actual pricing depends on risk characteristics and coverage structure.

Do you offer layered coverage structures?

Yes, we structure layered property programs to help achieve higher limits and better pricing, especially for complex or large-value accounts.

What information is needed for underwriting?

Underwriting requires detailed property data, including construction type, year built, location, occupancy, retrofitting status, and replacement cost values.

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:
    Minimum AM Best A- VII
  • Commission:
    Varies
  • Min Premium:
    25000

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CONTACT INFORMATION

LOCATION

571 US Highway 1 South, Suite 4002
Iselin, NJ 18042
732-549-5222
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AGENCY LICENSING

Licensed in all 50 states.
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NAPCO LLC has other insurance programs like Builders Risk Coverage Insurance.