In the context of a commercial property policy, what is the duration for multiple earthquakes to be considered a "single occurrence"?

In a commercial property policy, multiple earthquakes can be considered a "single occurrence" if they happen within a specific time frame. The duration recognized for this purpose is 168 hours, which equates to a week. A policy defining multiple earthquakes as a single occurrence within this time frame helps limit the number of deductibles that an insured may have to pay, as each deductible typically applies to an occurrence. By grouping multiple earthquakes within a 168-hour window, insurers aim to provide a balanced approach to risk and coverage, acknowledging the reality of aftershocks that can occur in quick succession after an initial quake. Understanding this provision helps policyholders effectively manage their insurance and mitigate financial impact in the event of seismic activities.