Earthquakes strike suddenly, violently, and without warning at any time of the year and at any time of the day or night. Earthquakes are truly devastating natural events and from the business standpoint, represent risk that is uncontrollable and unpreventable. It is estimated that a major earthquake in a highly populated area of the United States could cause as much as $200 billion in losses. Earthquake insurance decreases the post-earthquake loss burden on businesses and serves as an important tool in transferring the risk of earthquake damage and funding recovery efforts.

The V3antage℠ EQ+ Program offers a Difference In Conditions (“DIC”) policy, including Earthquake and Flood coverages, for small to midsized commercial businesses in California and the Western United States. V3antage℠ EQ+ outperforms with consistent pricing, superior service and highly rated capacity. V3 provides non-admitted coverage through designated excess and surplus lines brokers.

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  • Quality Carrier Panel rated A or better
  • Limits available up to $20,000,000, TIV up to $250M
  • Target Occupancies include Commercial Habitational, Office, Real Estate, Entertainment, Hospitality, Light Manufacturing, Municipalities Retail and High Value Dwellings – min $2M
  • Minimum 5% EQ deductable in CA
  • Minimum Premium: $3,500 outside A and B zones
  • All types of construction and parking available for consideration
  • Target primary to full limit risks, first excess layers will also be considered
  • Age of risk 1950 and newer, older buildings may be submitted for consideration with acceptable retro-fit information
  • All accounts are fully modeled – provides accurate risk pricing and eliminates churning of portfolio at renewal

  • Earthquake Sprinkler Leakage
  • Building Ordinance
  • Flood excluding 100 year zones

  • Casinos
  • Utilities
  • Livestock
  • Nuclear, Chemical, Petrochemical and Biological

  • Summary of account layering, deductible and coverage
  • Electronic Schedule of Values
  • Expiring carrier information
  • Loss runs
  • Please send submissions to: