{"id":2227,"date":"2021-10-12T09:34:28","date_gmt":"2021-10-12T16:34:28","guid":{"rendered":"https:\/\/www.prendivilleagency.com\/?page_id=2227"},"modified":"2021-12-10T16:02:39","modified_gmt":"2021-12-11T00:02:39","slug":"earthquakes","status":"publish","type":"page","link":"https:\/\/www.prendivilleagency.com\/commercial-insurance\/earthquakes\/","title":{"rendered":"Earthquakes"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.11.3″ _module_preset=”default” background_image=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Earthquake-Banner.jpg” custom_padding=”150px||150px||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.11.1″ _module_preset=”default” text_font=”Source Serif Pro|700|||||||” text_text_color=”gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b” text_font_size=”24px” text_orientation=”right” custom_margin=”||5px||false|false” global_colors_info=”{%22gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b%22:%91%22text_text_color%22%93}”]Commercial Insurance
\n[\/et_pb_text][et_pb_text module_class=”h1_home” _builder_version=”4.11.3″ _module_preset=”default” text_font=”Source Serif Pro||||||||” header_font=”Source Serif Pro|800||on|||||” header_text_align=”right” header_text_color=”#000000″ header_font_size=”36px” header_2_font=”Source Serif Pro|600|||||||” header_2_text_color=”#FFFFFF” header_2_font_size=”36px” custom_margin=”||0px||false|false” header_font_size_tablet=”64px” header_font_size_phone=”48px” header_font_size_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Earthquakes<\/span><\/span><\/h1>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.10.6″ _module_preset=”default” custom_padding=”||5px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.12.1″ _module_preset=”default” text_font=”Source Serif Pro|700|||||||” text_text_color=”#056cf2″ text_font_size=”48px” text_line_height=”1em” custom_margin=”||18px||false|false” custom_margin_tablet=”||16px||false|false” custom_margin_phone=”||8px||false|false” custom_margin_last_edited=”on|tablet” text_font_size_tablet=”48px” text_font_size_phone=”36px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]Earthquake Insurance Covers The Major Expenses and Damage From An Earthquake
\n[\/et_pb_text][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” header_2_font=”Source Serif Pro||||||||” header_2_font_size=”42px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Don\u2019t assume your current policy covers damage from an earthquake, because it probably doesn\u2019t.<\/h2>\n

[\/et_pb_text][et_pb_divider color=”#bf2604″ divider_position=”center” divider_weight=”8px” _builder_version=”4.9.11″ _module_preset=”default” width=”8%” custom_margin=”20px||35px||false|false” custom_margin_tablet=”” custom_margin_phone=”20px||35px|0px|false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_divider][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]It seems as though wildfires have been the dominant concern lately. But, the threat of financial catastrophe of Earthquakes remains the biggest threat. Add on top of that growing equity for commercial properties, apartments and HOA\u2019s and the need for earthquake insurance skyrockets.<\/p>\n

Earthquake insurance doesn’t have to be expensive and confusing. Prendiville Insurance Agency can guide you with the following:
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.11.2″ _module_preset=”default” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Insurance-Markets-Square.jpg” title_text=”Insurance Markets Square” align=”center” _builder_version=”4.11.3″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Markets” _builder_version=”4.11.3″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”46px” header_3_font=”|700|||||||” header_3_text_color=”#253845″ header_3_font_size=”28px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Markets<\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]Prendiville has every single insurance company offering earthquake insurance in the market. From the entire Lloyd\u2019s of London syndicate to California based insurance companies such as Insurance Company of the West, Palomar and Golden Bear, we will provide you multiple options from A\u2019 rated insurance companies.
\n[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Risk-Assessment-Square.jpg” title_text=”Risk Assessment Square” align=”center” _builder_version=”4.11.3″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Risk Assessments” _builder_version=”4.11.3″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”46px” header_3_font=”|700|||||||” header_3_text_color=”#253845″ header_3_font_size=”28px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Risk Assessments<\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.11.4″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]With today’s technology, the threat of an earthquake is constantly being monitored and categorized. Insurance companies use this information to underwrite the risk, relative to the chance of damage and premium. Now, this technology can be utilized to provide a reliable risk assessment that lets you weigh the risk versus expenses to your bottom line.
\n[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.11.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Deductible-Strategies-Square.jpg” title_text=”Deductible Strategies Square” align=”center” _builder_version=”4.11.3″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Deductible Strategies” _builder_version=”4.11.3″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”46px” header_3_font=”|700|||||||” header_3_text_color=”#253845″ header_3_font_size=”28px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Deductible Strategies<\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” text_text_color=”#000000″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]Many people have the idea that the associated deductibles are a barrier to buying coverage. However, we can show you workable strategies that show you that the deductible is not a huge burden and sometimes easily transferred to other insurance coverage.
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.11.3″ _module_preset=”default” background_color=”#f7f7f7″ custom_padding=”19px||0px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Coverage Options Include:<\/strong><\/h4>\n

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Building Coverage<\/strong><\/em><\/h4>\n
Pays for repair or replacement of your building.<\/h5>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.10.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Business-Personal-Property-Icon.png” title_text=”Business Personal Property Icon” show_bottom_space=”off” align=”center” _builder_version=”4.11.3″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” header_4_text_align=”center” header_4_text_color=”gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b” header_5_font=”Source Serif Pro|600|||||||” header_5_text_align=”center” header_5_text_color=”#000000″ custom_margin=”||-21px|||” custom_padding=”0px||||false|false” global_colors_info=”{%22gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b%22:%91%22header_4_text_color%22,%22header_5_text_color%22,%22header_4_text_color%22,%22header_5_text_color%22%93}”]<\/p>\n

Business Personal Property<\/strong><\/em><\/h4>\n
Pays for your damaged personal property that is essential to your operation.<\/h5>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.10.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Loss-of-Rents.png” title_text=”Loss of Rents” show_bottom_space=”off” align=”center” _builder_version=”4.11.3″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” header_4_text_align=”center” header_4_text_color=”gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b” header_5_font=”Source Serif Pro|600|||||||” header_5_text_align=”center” header_5_text_color=”#000000″ custom_margin=”||-21px|||” custom_padding=”0px||||false|false” global_colors_info=”{%22gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b%22:%91%22header_4_text_color%22,%22header_5_text_color%22,%22header_4_text_color%22,%22header_5_text_color%22%93}”]<\/p>\n

Loss of Income\/Rents<\/strong><\/em><\/h4>\n
We can cover up to 12 months of your loss of income\/rents while you rebuild and get your business back on track.<\/h5>\n
<\/div>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.10.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Loss-of-Assessments.png” title_text=”Loss of Assessments” show_bottom_space=”off” align=”center” _builder_version=”4.11.3″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” header_4_text_align=”center” header_4_text_color=”gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b” header_5_font=”Source Serif Pro|600|||||||” header_5_text_align=”center” header_5_text_color=”#000000″ custom_margin=”||-21px|||” custom_padding=”0px||||false|false” global_colors_info=”{%22gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b%22:%91%22header_4_text_color%22,%22header_5_text_color%22,%22header_4_text_color%22,%22header_5_text_color%22%93}”]<\/p>\n

Loss of Assessment<\/strong><\/em><\/h4>\n
If you are part of a homeowners association we can cover your loss of assessments.<\/h5>\n

 <\/p>\n

<\/div>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.11.4″ _module_preset=”default” text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]Recent Earthquake Policy Examples:\u00a0<\/strong><\/p>\n

    \n
  • 45 unit apartment building covering $7M of Building Coverage and $1M of Loss of Rents.<\/li>\n
  • 4500 square foot office building covering $1.5M in Building Coverage and $150,000 in Loss of Rents.<\/li>\n
  • 185 unit Homeowners Association covering all structures, paved surfaces, pools, clubhouse and infrastructure of $65M plus $550,000 of Loss of Assessments.<\/li>\n
  • 1050 Planned Unit Development covering common area amenities, private streets, clubhouse, pool and a large retaining wall with a Total Insured Value of 6.5M.<\/li>\n<\/ul>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.10.8″ _module_preset=”default” background_image=”https:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/09\/Blue-CTA-Background.jpg” background_size=”initial” custom_padding=”46px||18px|||” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.10.7″ _module_preset=”default” custom_padding=”||42px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” text_text_color=”#FFFFFF” text_line_height=”1.8em” header_4_font=”Source Serif Pro|600|||||||” header_4_text_align=”center” header_4_text_color=”#FFFFFF” header_4_font_size=”24px” text_orientation=”center” min_height=”100px” custom_margin=”-11px||7px|||” custom_padding=”||0px|||” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    Let us help you determine if your current homeowners insurance provides you the coverage you need in case of an earthquake. We can help you evaluate your options in clear, understandable language.<\/strong><\/h4>\n

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    Commercial Insurance Earthquakes Earthquake Insurance Covers The Major Expenses and Damage From An Earthquake Don\u2019t assume your current policy covers damage from an earthquake, because it probably doesn\u2019t. It seems as though wildfires have been the dominant concern lately. But, the threat of financial catastrophe of Earthquakes remains the biggest threat. Add on top of […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":355,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"_links":{"self":[{"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages\/2227"}],"collection":[{"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/comments?post=2227"}],"version-history":[{"count":5,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages\/2227\/revisions"}],"predecessor-version":[{"id":3214,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages\/2227\/revisions\/3214"}],"up":[{"embeddable":true,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages\/355"}],"wp:attachment":[{"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/media?parent=2227"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}