Protection for Earthquakes/Landslides and Natural Disasters

Earthquakes and landslides can create a devastating burden on businesses, often shutting down operations. The Insurance Information Institute reports that approximately 40% of companies do not reopen after a catastrophe or disaster. 

While natural disasters may be unpredictable, Safehold’s Natural Disaster Program helps clients establish solid preparedness plans to proactively protect individuals and businesses before a catastrophe occurs. According to the Federal Emergency Management Agency (FEMA), prepared businesses reduce losses by resuming operations more quickly and restoring normalcy to their communities.

Safehold’s Natural Disaster Program addresses common challenges faced after a catastrophe including loss of income, personal property, and buildings – and a thorough review of insurance coverage. Our experienced insurance professionals work with carriers to evaluate natural disaster exposures, underwrite risk, and efficiently issue policies based on the unique needs of each client.

Contact us today to learn more about how we can help protect clients from the unexpected.

The Safehold Natural Disaster Program includes:

Residential property

  • Dwelling
  • Other structures
  • Personal property
  • Additional living expenses
  • Debris removal 

Commercial property

  • Building
  • Contents
  • Loss of income/extra expense
  • Debris removal

Maximum limits
$10,000,000, except:

  • $2,500,000 California Earthquake
  • $1,000,000 Coastal Flood

Minimum premiums

  • $350 - Residential
  • $500 - Commercial


The information below is a general summary of common requirements and exclusions and is for reference only. Additional requirements and exclusions may apply.

Waiting periods

  • Landslide and flood coverage is effective on the fifteenth day after the inception date of the policy.
  • Earthquake coverage if effective on the fifth day after the inception date of the policy.

by location

  • California: earthquake limitations; coverage not available in Santa Barbara County or Sacramento County
  • Florida: flood limitations; coverage not available in Monroe County
  • Hawaii: coverage not available in Hilo
  • Louisiana: coverage not available
  • Texas: flood limitations

By geographic proximity

  • Flood risks within five miles of the Mississippi or Missouri Rivers
  • Flood risks within one mile of the Hudson, Delaware, Ohio, or Susquehanna Rivers
  • Flood risks located more than three feet below the base flood elevation
  • Coastal flood risks exceeding $2.5MM in total insurable value (TIV)
    - All of Florida and Louisiana
    - 1st tier Texas to North Carolina (AL, FL, GA, LA, MS, NC, SC, TX)
    - Flood risks within two miles of saltwater in Massachusetts and Virginia
  • Earthquake in zones A or B of the California Catastrophic Risk Evaluation and Standardizing Target Accumulations (CRESTA)
  • Flood in Coastal Barrier Resource Act (CBRA) zones

By structure

  • Buildings built pre-1950 (earthquakes only)
  • Buildings constructed of adobe clay, non-reinforced masonry, tile, or logs
  • Duplexes or Condos, unless building is fully owned or coverage is contents only

By value

  • Loss of income exceeding $1MM with respect to flood only coverage
  • TIV exceeding $25MM



Ready to Get Started?

Contact us to explore how Safehold can tailor a comprehensive package to meet your specialized insurance needs.

Territory: National, some exclusions