This type of coverage may be part of business interruption but being a natural disaster that is unforeseeable, you need this type of additional coverage to file a claim for damage to your building that results form earthquakes.
Terrorism, the most over used word in today’s business sector that is defined by the Terrorism Risk Insurance Act way back 2002 that allows coverage of damage resulting form such acts. The special coverage offered by these additional options are to expand the safety net so to speak for your business due to increased risks in this day and age. Hopefully more and more will benefit such measures especially businesses but with people finding it very hard to get even the basic health insurance for themselves, the future of businesses are really bleak due to the prevailing economic slowdown.