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( — Like small-business owners across Southern California, Hilario Sanchez knows all too well the shaking, the damage and, of course, the inevitable cleanup after an earthquake.

But, he says, he has never seen the need for earthquake insurance — a pricey decision facing small companies each year.

As owner of Goleth’s Beauty Salon in downtown Los Angeles, Sanchez said he has suffered earthquake-related damage in the past, but he said neither those quakes — nor the magnitude 7.2 temblor in Baja California that struck April 4 and the spate of aftershocks that have followed — have persuaded him to pay for coverage.

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