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For Insurers

Helping Financially Protect Californians From Damaging Earthquakes 

How to become a CEA Participating InsurerCalifornia is home to thousands of known earthquake faults, yet only about 1 in 10 Californians carry earthquake insurance on their home. Now is a great time to join with CEA to help Californians get the earthquake insurance coverage they need.  

Become a CEA Participating Insurer 

Join other industry-leading residential insurance carriers by offering CEA earthquake insurance to your home, mobilehome, condo unit, and rental policyholders. At CEA, we’d love to welcome you as a participating residential insurer (PI)! 

What you need to know: 

  • California law requires all residential insurers in the state to offer earthquake insurance to policyholders when writing or renewing residential property insurance in California. 
  • ​CEA earthquake policies are sold only through California-licensed property insurance companies that submit an application letter to the CEA Governing Board for approval.  
  • Each CEA participating insurer must enter into an Insurer Participation Agreement that is executed on behalf of each respective participating insurer, CEA (“the Authority,”) and the California Insurance Commissioner. 
  • CEA does not offer stand-alone policies. PIs’ policyholders must have a residential insurance policy through a CEA participating insurer before they can purchase a CEA policy from that PI. 
  • Once your company is approved to write CEA policies, your  representatives will be responsible for the servicing and claims handling of CEA insurance policies. For more information, please see CEA's Procedure and Accounting Manual (PAM).
  • It will be your responsibility to make sure your claim representativesincluding any independent claim representatives they employare trained according to CEA claim-handling guidelines, as well as California Fair Claims Settlement Practices found in the California Code of Regulation, Title 10, Chapter 5, Subchapter 7.5.  

What does a CEA PI do? 

  • Gives CEA insurance quotes 
  • Sells CEA earthquake insurance policies 
  • Handles policy renewals 
  • Helps policyholders make changes to their existing CEA policy 
  • Processes invoices and payments 
  • Handles earthquake damage claims 

Offer your residential policyholders peace of mind 

As a CEA PI, you’ll be able to offer CEA earthquake insurance policies for: 

For detailed information on becoming a CEA PI, please see the California Insurance Code §§10089.5—10089.54 or contact the CEA Insurance Operations at (888) 423-2322. 

Calculate Your Earthquake Insurance Premium