Arroyo

Earthquake & Flood Insurance

Reliable coverage and dependable service

Earthquake Insurance If you've lived in California for any length of time, you have been through an earthquake. You have seen quakes which don't cause much damage and you've seen the quakes which cause devastating loss to business and homes. The difficulty with assessing the risk posed by an earthquake is "when" and "how much." When so many businesses have most of their assets tied up in facilities and inventory, you may not want to insure this with your own checkbook. Talk to an Arroyo representative and let us help you evaluate your risk in this area and provide coverage and pricing models for you to make an educated decision about earthquake risk.

Flood Insurance This coverage is widely misunderstood today. Flood insurance is intended to restore portions of your property due to a general but temporary flooding condition, upon normally dry land, resulting from surface water or water from tides or inland bodies of water. However, a flood policy will not respond to your loss unless the size of the flood involves two or more adjacent properties or at least two or more acres of normally dry ground. If you are in a FEMA designated "Special Flood Hazard Area" your mortgage company will require you to carry this protection. However, if you are not in one of these areas, you likely do not have this protection. Heavy rains and overwhelmed municipal sewer systems have often resulted in enough standing water to enter your building and cause thousands in damage. Let us talk to you about flood coverage and find out if this protection is right for you.

Our focus is on

• Assessing insurable risk unique to your business
• Providing about for managing your risks
• Tailoring insurance about specific to your business
• Providing the highest level of insurance coverage for the lowest cost
• Expert advice and risk evaluation assistance at your disposal
• A single point of contact and a dedicated service team for your commercial insurance needs

• GET A QUOTE WE'LL HELP YOU GET STARTED

"We can always expect Arroyo Insurance Services to look out for our best interest and we enjoy working with them."
- Carmen Miranda, V.P. of Human Resources
National Wire & Cable