Earthquake

Terremoto El programa para pequeñas empresas de Arrowhead cubre los peligros de DIC, incluidos terremotos, inundaciones y EQSL, solo para pequeñas empresas de California. Ofrecemos: One business day premium indications Policy Limits available from $250,000 to $10 million for commercial occupancies, and up to $20 million for habitational occupancies (HOA, apartments, multi-unit condos) Minimum premium: $2,500 Coverage Highlights Policy Limits available from $250,000 to $10 million for commercial occupancies, and up to $20 million for habitational occupancies (HOA, apartments, multi-unit condos) Total Insurable Values (TIV) from $250,000 to $10 million for commercial occupancies, and up to $20 million for habitational occupancies (HOA, apartments, multi-unit condos) Minimum premium: $2,500 TIV under $5 million must purchase full limits TIV of $5 million+ must purchase a minimum loss limit of $2,500,000 Per unit deductible 5% – 25%. Five deductible options provided on each quote Minimum EQ deductible = $25,000 Minimum Flood deductible: $25,000 (for TIVs under $5,000,000) $50,000 (for TIVs over $5,000,000) Valuation = Replacement cost | BI = Actual loss sustained $300 policy fee / $300 inspection fee (waived on renewals; inspections are reordered every 3 years) Additional coverages available to include: Business income (not to exceed 40% of account TIV) Building ordinance Full coverage A. B and C are sublimited to 10% of all building values (must meet year built requirements – please contact us for further information) Target Market Commercial occupancies HOAs, apartments and multi-unit condos are accepted (4-unit minimum) Restrictions: Risks with tuck-under parking, poorer construction types or older construction will immediately be declined Location address used to search soils database to determine adequacy of soils Soft soil situations or very high liquefaction will prompt declination Property age limitations: –Wood frame: 1960 –Reinforced joisted masonry 1965 (concrete block) –Concrete tilt up: 1976 –Reinforced concrete/steel frame/metal: 1970 All property locations will be inspected to verify submitted information is accurate 25% minimum earned premium No single-family dwellings No HOAs that consist of only common area values