The Earthquake Commission is a New Zealand Government body, engaged in the coverage of natural disaster insurance for residential property owners, and investment in natural disaster research. The commission employs approximately 420 people and is administered from its head office in Wellington.

The Earthquake Commission is New Zealand's primary provider of natural disaster insurance to residential property owners. When an insurance policy is purchased for residential property, the insurance company charges a disaster insurance premium, which is passed on to the Earthquake Commission, funding the Natural Disaster Fund. The fund then provides cover under the EQCover brand, and provides insurance against damage caused by:

  • Earthquakes
  • Natural landslip
  • Volcanic and hydrothermal activity
  • Tsunamis
  • Storms and flooding
  • Fire caused by any of the above.

The Earthquake Commission also engages in public awareness and education roles in these areas.

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