Commercial Property Insurance in California
Commercial property insurance for California buildings: apartments, HOAs, offices, industrial and warehouses. FAIR Plan + DIC, earthquake, non-renewal help. SF broker.
ESI Insurance Insights
ESI Insurance Brokers Blog
California insurance guidance for homeowners, property owners, landlords, contractors, and businesses navigating harder-to-place risks, coverage questions, and changing market conditions.
California’s new nonrenewal law (SB 1301): what changes in 2028, and what to do if you’re dropped now
California's SB 1301 adds 90- and 120-day nonrenewal notices and specific reasons starting 2028. What to do if you're dropped before then.
Before the next special assessment: 5 insurance questions to ask your HOA board
Before your HOA sets its 2027 budget, ask about reserves, the master policy deductible, earthquake and water coverage, and mitigation credits.
Soft-story apartment owners: seismic retrofits, earthquake coverage and loss of rents
San Francisco and Oakland soft-story retrofit rules, and how retrofit status affects earthquake insurance and loss-of-rents coverage for landlords.
Your business insurance might be “non-admitted.” What that means and what to check
Is your business policy non-admitted? What surplus lines means in California: no CIGA protection, the diligent search, the SL-2 and renewal checks.
Home hardening is moving some Californians off the FAIR Plan — 10 days before the 29.1% re-rate
Mitigation helped some CA homeowners trade FAIR Plan + DIC for admitted coverage. FAIR Plan 29.1% rates start Oct 15: what to document and when to re-shop.
New California law: home insurers must offer 50% extended replacement cost — what homeowners should do now
Newsom signed SB 876: CA home insurers must offer 50% extended replacement cost and rebuild cost estimates. What changes, when (2028), and what to do now.
California insurers say they’re writing again — but FAIR Plan is still near 700,000 policies
Carriers are restarting some CA homeowners policies under Lara SIS. FAIR Plan still ~697k as Oct 15 hike nears—what to do now.
Life Insurance in California: Term vs Whole
Compare term and whole life with a California broker. ESI helps families and business owners match coverage to goals — then get a clear next step to quote.
General Liability Insurance for California Small Businesses
Commercial general liability for California small businesses: what GL covers, COIs and leases, vs BOP and E&O. Get a Main Street GL quote with ESI.
Personal Umbrella Insurance in California
Extra liability protection above home and auto. Learn when a California personal umbrella makes sense and how ESI structures options.
Renters Insurance in California
Protect belongings and liability with California renters insurance. ESI helps renters compare options and meet landlord requirements.
