If you're a business owner in California, you likely have a California business insurance policy to reduce your exposure to loss. But have you done a full risk assessment of the facility and its operations if your business were to be devastated by an earthquake? The destruction facing Japan in the wake of the 8.9 earthquake that struck the country in March leaves no one wondering how extensive the damages could be. Read on for some of the services offered by two of our commercial carriers.

Mercury Insurance Group - Now Offering Earthquake Sprinkler Leakage Coverage

Mercury Insurance Group is now offering EQSL - Earthquake Sprinkler Leakage protection. This coverage is available with a deductible as low as $500 for business personal property for offices, retail stores, and apartments, as well as other types of businesses. Talk to your commercial agent for coverage specifics and qualifying critera.

The Hartford's Loss Control Program

The Hartford Financial Services Group offers a Loss Control Program that focues on reducing operational and service-related risk. Experts in their Business Continuity Management (BCM) Program will help you navigate the challenges of today's rapidly changing business environment by assessing your current preparedness for a devastating event and identifying areas where you could be further protected. Services include:

• Steps for creating a Business Continuity Management plan or evaluating and updating the plan you already have in place
• Guidelines for preparations that must be done before an earthquake and a "during" and "after" plan of action if an earthquake were to hit.
• A wide range of consultative services from The Hartford's Loss Control team, including equipment safeguarding and safety training.

Contact your Tower Insurance agent to discuss your policy today - let us help you prepare for the unexpected.