So this is more of a state endorsed program, not an individual offering by private insurers from reading on the surface?
CEA is a state managed program. www.earthquakeauthority.com
"The California Earthquake Authority is a publicly managed, largely privately funded organization that provides catastrophic residential earthquake insurance and encourages Californians to reduce their risk of earthquake loss."
EQ Insurance (the agency I work for) uses insurance companies, such as Geovera, AXIS Reinsurance, etc. to compete against the CEA.