Virtually impossible to predict, earthquakes can cause major damage to buildings and personal property, as well as serious injuries and deaths. This course equips insurance producers with the knowledge and understanding needed to provide clients with appropriate earthquake coverage options and to inform them of any limitations on their earthquake coverage. It explains the extent to which standard insurance policies cover—and often fail to cover—earthquake losses and describes endorsements, policy modifications, and other options that can be used to fill coverage gaps and to provide earthquake coverage.

• identify the basic characteristics of the earthquake exposure and recognize the extent of the exposure within the United States
• recognize the effect of various earthquake-related exclusions and limitation in homeowners policies and other personal lines policies
• identify homeowners endorsements for earthquake coverage and understand the impact of deductibles, limits, and other provisions
• understand earthquake-related exclusions and limitations in commercial property and businessowners policies
• identify endorsements for earthquake coverage and the impact of deductibles, limits, and other provisions
• recognize the extent to which other types of common personal lines and commercial lines policies cover or exclude earthquake losses