Good question! It depends. And I’m not an expert, but Amy Bickel had details for you. For instance,

At least one policy endorsement obtained by The News showed that earthquakes caused by hydraulic fracturing, or “fracking,” were excluded from earthquake coverage.

It could mean potential litigation if a claim was ever filed and denied by the company, Kansas’ former insurance commissioner noted.

While hydraulic fracturing isn’t suspected as the cause of Kansas quakes, state geologists have linked southern Kansas’ earthquakes to the saltwater injection wells used by oil companies. The hydraulic fracturing process creates more wastewater, which, in turn, is injected into the Mississippian formation.

The endorsement also notes that “sequestration of carbon dioxide or any other gas, solid or liquid” is also among the exclusions listed. It’s unclear if that definition could include wastewater disposal.

Other companies, however, said they had not heard of that exclusion in their own policies.

In a way, this makes sense, because earthquakes are an act god. In this case, I assume Hades or Pluto (gods of the underworld).

Or the god of hell perhaps. Which suggests that if you want insurance for human caused earthquakes you will need to see Ms. Waite, who is in charge of such things. First name Helen. If you want damage to your property caused by Big Fossil to be covered you’ll have to to go Helen Waite.