Notes on workers’ comp, contractor coverage, certificates, and keeping a local business insured in California.
On April 24, 2026, Travelers said it would expand homeowners availability in California under Commissioner Lara’s Sustainable Insurance Strategy — the first top-10-style commitment since the 2025 L.A.…
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In early 2026 State Farm Mutual Automobile filed to cut private-passenger auto rates in California by 6.2% after a 17.7% hike in the prior cycle. Physical-damage losses were…
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In November 2025 the WCIRB signed off on raising 13 of 16 construction dual-wage thresholds by $2 to $5 an hour, effective September 1, 2026. Carpentry moves from…
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In October 2025 regulators let major insurers recoup part of the FAIR Plan’s $1 billion fire assessment from their own customers. State Farm’s homeowners fee averaged about $50…
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In September 2025 the Los Angeles Times reported the California FAIR Plan was still denying some smoke-damage claims after a court loss and a push from the governor.…
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September 1, 2025 brought the first California advisory pure-premium increase in a decade: 8.7%. Charged rates had been falling for years. That era ended.
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An August 21, 2025 Axios San Diego report put numbers on it: Insurify projected full-coverage auto in California could run 7% higher by year-end if tariffs stuck, versus…
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A 17% emergency homeowners increase for State Farm General took effect June 1, 2025, after the Los Angeles fires. In exchange, the company had to halt new block…
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On March 28, 2025, Commissioner Lara approved a FAIR Plan commercial expansion: $20 million per building and $100 million per location, on top of the $3 million residential…
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In February 2025 the California FAIR Plan won approval to assess member insurers $1 billion after the Los Angeles wildfires. State Farm’s share was the largest. Policyholders statewide…
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The January 7, 2025 Los Angeles County wildfires tore through ZIP codes where State Farm and the FAIR Plan already held outsized shares. That is why the residual…
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On December 13, 2024, California’s catastrophe-modeling regulation was filed with the Secretary of State. Insurers that use the models must expand in wildfire-distressed areas. Rates will not go…
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