On June 19, 2026, the California Department of Insurance said Zurich US had formally submitted a commercial property rate filing under the Sustainable Insurance Strategy, with a commitment to expand in some of the state’s most distressed and wildfire-prone regions. Zurich joined carriers including Mercury and CSAA that were adding options as the new rules — catastrophe models and reinsurance in the rate — took hold.
CDI framed it as businesses moving off the FAIR Plan back into admitted paper. For an HOA, a small apartment, or a shop with a real property schedule, that is the difference between a named-peril residual form and a package that actually matches the loan.
Commercial FAIR Plan limits are higher than they were, but the form is still narrow. If you have been on residual property since 2023, this is a requote year. Bring SOVs, roof ages, and any mitigation the model can see.
If this is on your renewal, call the office at (619) 420-8600 or start a quote. We will tell you what the market will actually write.
Sources: CDI, June 19, 2026.