Notes on workers’ comp, contractor coverage, certificates, and keeping a local business insured in California.
California’s advisory workers’ compensation rate moves 6.6% on September 1, 2026, as cumulative trauma claims climb to 16.5% of the system. What contractors in Chula Vista should do…
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On August 7, San Francisco’s district attorney arraigned the owners of An Dun Construction on workers’ compensation premium fraud, payroll-tax charges, and allegedly discouraging an injured worker from…
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The California FAIR Plan’s 29.1% rate increase takes effect October 15, 2026. The plan had asked for 35.8%. Enrollment was already at record levels after the 2025 L.A.…
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An August 16, 2026 Los Angeles Times piece laid out the new commercial-property playbook: less admitted appetite, more mitigation, surplus lines, and for some risks, captives. Shopping three…
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A 2026 bill, AB 311, would let California auto insurers use optional driving-behavior data in pricing — breaking a Proposition 103-era bar. CDI staff and Consumer Watchdog oppose…
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August 2026 earnings showed California personal auto splitting. Mercury’s combined ratio improved. Kemper’s specialty book did not. IRC data said California BI and PIP claim costs rose 18%…
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Every one of California’s 16 construction dual-wage pairs gets a new hourly line on September 1, 2026. Miss it and the audit puts that payroll on the expensive…
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On July 31, 2026, Farmers filed an upgraded business-owners rating plan: more than 1,500 new policies in wildfire-distressed areas over two years, aimed at retail, shops, apartments, and…
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The WCIRB’s 2026 State of the System report said premium growth leveled off while cumulative trauma kept claim frequency up, medical costs rose, and loss-adjustment expense hit records.…
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On July 10, 2026, Commissioner Lara adopted a $1.65 advisory pure premium rate — 6.6% up, below the WCIRB’s 10.4% request. Contractors renewing in the fall should still…
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In June 2026 the California Department of Insurance said Zurich US had submitted a commercial property rate filing under the Sustainable Insurance Strategy, committing to expand in wildfire-distressed…
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In May 2026 Farmers’ Sustainable Insurance Strategy homeowners filing was approved. The company said new business in distressed areas was already up about 10%. That is how you…
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