Does business insurance cover earthquakes in Missouri? 

No. Standard commercial property policies exclude earthquake damage. Because southeast Missouri sits on the New Madrid Seismic Zone, coverage matters here more than in most states. You can add an earthquake endorsement to your property policy or buy a separate earthquake policy. Ask before you need it. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.