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.
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.
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.
California Earthquake Insurance: Do You Need It?
Standard homeowners policies usually exclude earthquake. Learn when California earthquake coverage matters and how ESI helps you evaluate options.
Group Health Insurance for California Small Businesses
Compare California small-group health and employee benefits with ESI. Clear guidance on requirements, plan types, and next steps for SF Bay Area employers.
California’s wildfire smoke insurance overhaul: what homeowners need to know
Newsom signed first-in-nation wildfire smoke claim rules. What AB 1642 & AB 1795 mean for California homeowners and ALE.
California Small Business Insurance for Startups & LLCs: What You Need First
California small business insurance for startups and new LLCs: starter stack, when WC applies, and what landlords ask for. Get a clear quote path with ESI.
One in seven California homeowners policies is now FAIR Plan or surplus lines
Triple-I: ~15% of CA homeowners policies were FAIR Plan or surplus lines in 2025. Re-shop before the Oct 15 FAIR Plan rate hike.
Five weeks until California FAIR Plan rate hike: what to do before October 15
California FAIR Plan rates rise 29.1% on average Oct 15, 2026. Check your renewal, claim hardening discounts, and shop private options before then.
New home insurance options in California high-fire areas (August 2026)
Admitted carriers are expanding in California wildfire-distressed areas under CDI rules. Here is how that can get homeowners off the FAIR Plan in 2026.
California just shook again. Most property owners still have no earthquake insurance.
The M3.8 Hayward Fault quake is a reminder that most California homeowners policies exclude earthquake damage. Review CEA and stand-alone options.
California Workers’ Compensation Rates Are Changing September 1, 2026: What Employers Should Review Now
California workers' comp rates change Sept 1, 2026. See how class code, payroll and your EMR set your premium, then get an ESI quote.
