Does commercial property insurance cover flood or earthquake damage? 

Do not assume it does. Commercial policies typically exclude flood, and earthquake coverage usually must be added or purchased separately. Earthquake deductibles are often a percentage of insured value rather than a flat amount, so review the deductible along with the exclusion. 

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.