Insights
Market intel, coverage guides, and what's shifting in California commercial insurance — written by working brokers.
California Insurance Market ·
After 13 straight years of California workers' comp rate decreases, the cycle has turned. WCIRB approved +8.7% for Sep 2025 and filed +10.4% for Sep 2026, and restaurants are absorbing more than their share. Here's why, what changed with class code 9079, and what to do before your next renewal.
California Insurance Market ·
State Farm non-renewed 42,000 California commercial multifamily policies effective August 2024, then raised remaining renewals up to 38% in June 2025. Hartford, Travelers, and Nationwide pulled back too. Here's how to read a non-renewal notice and what your three real placement options look like in 2026.
California Insurance Market ·
The California FAIR Plan filed for a 35.8% increase in October 2025, approved at 29.1%, taking effect on renewals after April 1, 2026. For commercial owners pushed onto FAIR Plan by wildfire exposure, this is the second major cost hit in 18 months. Here's how the math works, what a DIC wrap actually covers, and when FAIR Plan + DIC is the right answer instead of forcing an admitted placement.
Workers' Compensation ·
Workers' compensation is mandatory for any California business with employees. Here's what coverage actually does, what the state requires, and the mistakes that cost owners the most.
Commercial Insurance ·
Most California commercial insurance mistakes look like savings — until a claim. Six common errors that leave businesses uncovered or overpaying, and how to avoid them.
Commercial Property ·
California commercial property rates rose 45% from 2018-2024. Six specific strategies that lower premiums without leaving your building underinsured.
Commercial Insurance ·
What commercial coverages every Southern California business should consider — and the order to think about them in, from foundational to vertical-specific.
