Earthquake Earthquake insurance is available as additional coverage and covers the loss or damage to your property and its contents caused by the shaking of the earth. What’s CoveredCoverage for earthquake damage is not included in a standard home insurance policy but can be purchased as an add-on to your existing policy. Earthquake insurance is subject to a higher deductible.If an earthquake breaks a gas main and starts a fire, the resulting fire damage would likely be covered under a standard home insurance policy. Your coverage will depend on the legislation in your province or territory. Speak with your insurance representative for more information.In certain circumstances, homeowners who are unable to return to their home as a result of insurable damage are entitled to additional living expenses. Earthquake coverage is available for your place of business. To mitigate losses to your business in the event of an earthquake, you can purchase business interruption insurance.What to do During an EarthquakeWherever you are when an earthquake starts, take cover immediately. Move to a nearby safe place and stay there until the shaking stops. Keep in mind:Drop, cover and hold on. Take cover under a heavy table, desk or other solid furniture. Avoid doorways and areas near windows. Protect your head and face.If you're indoors, stay indoors. If the aforementioned furniture is not available, additional safe places are in halls and corners, and under archways.If you're outdoors, stay clear of buildings and wires. Look out for falling debris.If you are in a wheelchair, lock the wheels and protect the back of your head and neck.Avoid elevators. If you're in an elevator when an earthquake starts, hit all of the floor buttons and get out of the elevator as soon as you can.If you're in a vehicle, drive away from a building or drive off a bridge or overpass, and then pull over to the side of the road. Stay inside your car, if safe to do so, and listen to your car radio for instructions from emergency officials.Remain in a protected place until the shaking stops. Anticipate aftershocks soon after the first quake.Click here to view the Top 10 Tips poster - Preparing for an EarthquakeWhat to do After an EarthquakeRemain calm. If you’re able, take care of life-threatening situations first. Remember, you may be on your own for 72 or more hours before emergency help arrives so have your emergency kit ready.Check for injuries and administer first-aid as needed.If safe to do so, check your home for structural damage and other hazards. Secure it against intruders.If you are evacuating, bring your disaster safety kit with you.Do not shut off utilities unless they are damaged. Don’t light matches or turn on light switches unless you are sure there are no gas leaks or flammable liquids in the area. Don’t flush the toilet if you suspect that nearby sewer lines may be broken.Wear gloves, protective clothing and sturdy shoes.Be cautious of debris, particularly broken glass.After looking after your family, check on your neighbors if you are able.If you need assistance, place “HELP” signs in all of your windows.Turn on your battery-powered, hand-cranked or car radio for broadcast emergency instructions.Don’t use your land-line telephone or vehicle, except in an extreme emergency.Stay at least 10 meters from downed power lines.Avoid waterfront areas because of the threat of large waves and currents.Beware of secondary effects, such as landslides and flooding.Additional ResourcesFor more information on earthquake preparedness, contact your provincial or territorial emergency management office. Other sources include:Public Safety CanadaCanadian Red CrossNatural Resources CanadaSt. John AmbulanceGreat British Columbia ShakeOut Earthquake Study Results at a GlanceWhat would the “big one” cost Canadians? Economic impact of a major earthquake in Canada – Study highlights Earthquake Prep - Be Prepared Not ScaredEarthquake insurance generally covers loss or damage caused to your property and its contents by the actual shaking of the earth. Coverage for earthquake damage is not included in a standard home insurance policy but can be purchased as an add-on to your existing policy. Earthquake insurance is subject to a higher deductible. Related ServicesEQ Symposium ReportInsurance Bureau of Canada (IBC) hosted "Preparing Canada for an Earthquake: A National Conversation" in Vancouver, B.C., in October 2014. More than 160 federal and provincial politicians, senior government staff , scientists, risk modellers, emergency responders and insurers attended the symposium to share their insights and research.Earthquake Study (AIR Worldwide)Canada is not prepared for a major seismic event. Released in 2013, the “Study of Impact and the Insurance and Economic Cost of a Major Earthquake in British Columbia and Ontario/Québec” report summarizes the impact and costs of an earthquake.C.D. Howe Institute - Fault Lines: Earthquakes, Insurance, and Systemic Financial RiskThe fault lines from a major earthquake in Canada could quickly spread through the insurance industry and have a systemic financial impact. Policymakers should take several steps now to avert this chain of events.Earthquake InsuranceIn Canada, there are 4,000 recorded earthquakes each year, and earthquake damage is not be covered by a standard home insurance policy. In the next 50 years, there is a 30% chance of a significant earthquake in British Columbia.BC ShakeOutAre you ready to drop, cover and hold on? Join millions of people around the world in a massive earthquake preparedness drill. Useful LinksAIR Earthquake Study (Full Version)Study of Impact and the Insurance and Economic Cost of a Major Earthquake in British Columbia and Ontario/QuébecC.D. Howe Institute - Fault Lines: Earthquakes, Insurance, and Systemic Financial RiskThe fault lines from a major earthquake in Canada could quickly spread through the insurance industry and have a systemic financial impact. Policymakers should take several steps now to avert this chain of events.Crisis Management - Auto InsuranceIn times of crisis, slowing down is often the best approach. A crisis can be weather related. Whether your vehicle has been damaged by water, wind, fire, ice or an earthquake, make sure you know what to do in the event of an emergencyCrisis Management - Home InsuranceFrom floods to fires to earthquakes, severe weather can damage your home. A home robbery or attempted break-in can put you, your family and your property, at risk. If you’re in a crisis situation that could affect the structure of your home or your own health, keep calm and seek alternate shelter immediately. Crisis Management - Business InsuranceA crisis can happen at any time, threatening an organization in a multitude of tangible and intangible ways. Following best practices in risk management – including creating a business continuity plan – can mean the difference between recovery and bankruptcy.