In a soft market, you could start your renewal three weeks out and be fine. That market is gone. In…
Read More
Every so often, a headline comes across our desk that stops us mid-scroll. This one did it: California fault stress…
A decade ago, surplus lines was maybe 15% of California habitational placements. Today it’s in the 30–40% range and climbing….
Surplus lines insurance is safe when the carrier is financially strong. The real difference is that non-admitted carriers aren’t backed…
FAIR Plan Commercial for Apartment Buildings, Explained (2026 Guide) If you own an apartment building in Los Angeles, there’s a…
Every week I get some version of the same five questions about the California FAIR Plan from LA apartment owners….
There’s a specific moment I’ve watched play out dozens of times this year. An owner opens their renewal quote, reads…
So the letter came. Maybe it was from a carrier you’ve been with for fifteen years. Maybe it arrived sixty…
Habitability Exclusions and California Landlords: What Property Owners Should Review California has some of the strongest habitability protections for tenants…
Why Los Angeles Landlords Should Require Renters Insurance Most Los Angeles landlords know they need landlord insurance—but fewer think carefully…
