Seismic IQ®. Earthquake Risk Assessment Company provides assessments of the risk of structural damage and helps you protect your real estate assets with knowing the sufficient earthquake insurance or seismic upgrades required. The Seismic IQ service is based on a standard widely-adopted in the real estate industry to evaluate the physical damage risk to a structure from seismic activity. This standard is known as a Probable Maximum Loss (“PML”) or Scenario Expected Loss from a design-basis earthquake.