Imagine a place like Connecticut, known for its historic charm and steady pace of life. Then, the ground rumbles. This scenario, not unlike the recent tremor in the state, serves as a stark reminder: tremors can strike anywhere in the US, not just the well-known West Coast seismic zones. Even in seemingly low-risk areas, businesses of all sizes in places like Connecticut need to consider the potential impact of earthquakes and the importance of earthquake coverage.

Why Bother with Earthquake Coverage in Low-Risk Areas?

The unpredictable nature of earthquakes is what makes them so concerning. A recent tremor in a typically stable region like Connecticut, while not causing widespread devastation, highlights the potential for damage, disruption, and lost productivity. Imagine the impact on your business if a stronger quake were to hit. Here's why earthquake coverage for your Business Owners Policy (BOP) shouldn't be an afterthought:

  • Business Continuity: Earthquakes can disrupt operations through structural damage, utility outages, or forced closures. Coverage helps offset repair costs and gets your business back up and running quickly, minimizing lost revenue.
  • Investment Protection: Inventory damage, equipment repairs, and business interruption can be financially crippling. Earthquake coverage acts as a safety net, ensuring these costs are covered and your business can recover.
  • Peace of Mind: Knowing you're financially protected allows you to focus on getting your business back on track, rather than worrying about the financial burden after an earthquake.

Beyond the Headlines: Proactive Protection for Your Business

While recent events serve as a real-world example, it's important to look beyond the headlines. Here's how you can approach the conversation with your commercial clients, regardless of location:

  • Risk Assessment Tailored to Location: Partner with your clients to understand their specific risks. Even in low-seismic areas, discuss the potential impact of tremors on their business operations.
  • Cost-Effective Protection: Highlight that earthquake coverage can be surprisingly affordable, especially when bundled with existing BOP coverage. Many factors influence cost, so getting a quote allows for a clear picture of the financial investment.
  • Focus on Business Continuity: Emphasize how earthquake coverage is an investment in business continuity. It ensures your clients have the resources to recover quickly and minimize downtime after a seismic event.

Remember, you're a trusted advisor 

By proactively discussing earthquake coverage with your commercial clients, you're empowering them to make informed decisions about protecting their businesses. It's about being prepared, not living in fear – and in the unpredictable world of earthquakes, that preparedness can make all the difference.

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