If you own a business including any commercial buildings in California, you need to consider purchasing earthquake insurance coverage. Most business insurance policies exclude earthquake damage and leave you responsible for damage that happens to your property in the event of an earthquake. Damage to structures and property, inventory losses, lost business income, and injuries are risks that you face as a business owner and that are caused by earthquakes. These and other risks can be costly to you in different ways if you’re unprotected, and for this reason, it’s important that you have protection. Additionally, your insurance may include (or offer as an optional rider) building code upgrade coverage, which means that if you need to rebuild your home at an increased cost due to the original structure not being compliant with current building codes, your insurance will help pay those extra expenses.