The majority of faults occur in the plate boundaries.
sandstormscyclones(maybe) earthquakes
The majority of earthquakes occur on or near fault lines - the boundaries between tectonic plates. To actually see where earthquakes occur, try finding a historical seismicity map.
Whatever goods you buy (or import /export or transport domestically) all have the risk of theft or damage due to natural disaster or other unpredictable accidents. So just like the home, auto or health insurance, freight insurance gives the extra coverage against the unpredictable and the unpreventable damages that might occur when freight moves from point A to point B. If you import/export goods, the insurance cost is usually calculated by the total commercial value of the goods.
The majority of faults occur in the plate boundaries.
There are many car engine damages that could occur to a vehicle from being submerged in water. Your car could short for example.
the alveolus
In California
Building insurance is vital to have in case of damages that may happen to you establishment. It will help you financially if those damages ever occur.
Small Intestine.
the majority of earth quakes in the USA occur in California and in Alaska
It could lead to sever damages in the retna, leg and feet, brain damages, or if heart problems and or asthmatic death could occur. If you do not have diabetes and you are in the ages younger that 20 you have higher risks of the damages and or death.