--- title: "Commercial Property Insurance in California" description: "Compare California FAIR Plan access, temporary commercial limits, eligibility, and the terms to confirm for your business property." canonical: "https://spot.insure/coverage/commercial-property/california" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/commercial-property/california) # Commercial Property Insurance in California California’s FAIR Plan currently offers temporary high-value commercial property coverage up to $20 million per building and $100 million per location through July 26, 2028. After that sunset, commercial policies issued under the Plan are capped at $20 million per location, so confirm your eligibility, limit, and renewal path against the current order.[^1][^2] **Coverage:** [Commercial property](/coverage/commercial-property) · [California](/coverage/states/california) ## What Is Commercial Property? Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [Read the national Commercial property guide](/coverage/commercial-property). ## What to Watch for in California ### Check the Temporary Limits The California Department of Insurance’s 2026 order sets the high-value program’s sunset at July 26, 2028. Policies issued on or before that date may run through their one-year term, but no new or renewal high-value policy may begin after it; ask how your building schedule will be insured at the next renewal.[^1] ### Confirm FAIR Plan Eligibility The California Department of Insurance describes the FAIR Plan as a backstop after you shop the market and still cannot obtain commercial insurance. The high-value limits in the order do not establish that a particular property qualifies; the Plan applies its underwriting eligibility standards. Ask whether each building in your schedule qualifies before relying on those limits.[^1] ### Review the Actual Commercial Form The FAIR Plan application route runs through an agent or broker licensed to sell property insurance, or directly through the Plan. Ask for the current application and underwriting requirements for your property rather than assuming a specific market-search record or property-information list.[^2] ### Ask About Temporary Fees The Commissioner-approved plan allows the FAIR Plan to seek approval for temporary supplemental fees at inception or renewal of high-value commercial coverage. Ask whether a fee applies to your quote and confirm that any approved amount appears separately on the notice, bill, or declarations.[^1] ## Who Regulates Insurance in California **California Department of Insurance.** The California Department of Insurance regulates insurers and insurance producers, provides company and license-status searches, and accepts complaints through its Consumer Complaint Center. Its commercial-insurance guidance explains the Department’s limited jurisdiction over surplus-line insurers.[^5][^6][^7][^8][^18] - [Regulator website](https://www.insurance.ca.gov/) - [License lookup](https://www.insurance.ca.gov/01-consumers/120-company/) - [File a complaint](https://cdiapps.insurance.ca.gov/CP/) - Phone: (800) 927-4357 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of taxable premium when California is the insured's home state When California is your home state, the surplus-line broker tax is generally 3% of gross premiums less returned premiums. Ask the broker to show the home-state determination, taxable premium and any applicable exception; ordinary multistate reporting does not itself reduce the tax base. A broker generally must search the admitted market unless a California exemption or the qualified federal commercial-purchaser exception applies. CIGA does not protect claims under a surplus-line policy.[^9][^11][^16][^8][^10][^12][^13][^14][^17] [Surplus Line Association of California](https://www.slacal.org/) **California usually requires an admitted-market search:** Before most nonadmitted placements, a broker must search among admitted insurers. After a public hearing and the required statutory findings, California’s Commissioner may exempt qualifying coverage or risks through an Export List order. The confidential written report remains required under §1763.1. Separately, §1763(h) waives the search for a commercial insured meeting California’s §1760.1(b) definition: the broker must first give written disclosure about possible admitted-market availability and its potential greater protection and oversight, then receive the insured’s written request for nonadmitted placement. The broker must ensure eligibility, with a safe harbor for reasonable reliance on information supplied in good faith. The federal exempt-commercial-purchaser route under §8205 has its own §8206 definition and requires disclosure about possible admitted-market availability and its potential greater protection and oversight, followed by the purchaser’s written request. Ask which route and eligibility criteria the broker relies on.[^10][^13][^14][^3][^4][^19] **Separate tax calculation from allocation reporting:** Section 1775.5 generally counts the entire premium for nonadmitted insurance placed in one transaction with one underwriter or group for a California-home-state insured. It has a separate interstate-motor-transit formula and exclusions for premiums on insurance placed by or through a special-lines surplus line broker under §1760.5 and the defined risk-financing portion of specified Superfund remediation products. CDI’s calendar-year 2025 instructions include policy-related fees in gross premium, say it does not collect the tax on risks outside the United States, and treat multistate allocation percentages as informational. Have the broker explain how those rules apply to your placement.[^11][^15][^16] ## Providers With Documented State Licenses These providers publish a national listing for Commercial property; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in California; [check the regulator’s license lookup](https://www.insurance.ca.gov/01-consumers/120-company/) and confirm state availability for your business when requesting a quote. - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^25] - [Gallagher](/insurance-providers/gallagher) — **Entity:** Arthur J. Gallagher Risk Management Services, LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Gallagher Small Business’s legal-information page gives the producer identification associated with the disclosed California license. The provider record treats this identifier as company-reported and not independently verified; no other state is recorded.[^23] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^27] - [The Hartford](/insurance-providers/the-hartford) — **Entity:** Hartford Fire Insurance Company; **role:** Insurer; **checked:** 2026-09-28. **Scope:** California DOI’s current company profile identifies Hartford Fire Insurance Company (NAIC 19682) as UNLIMITED-NORMAL for property and casualty, authorized since 7 January 1870. The source covers this insurer in California and does not map every Hartford product to an issuing subsidiary; no expiry/renewal date is shown.[^28] - [Travelers](/insurance-providers/travelers) — **Entity:** The Travelers Indemnity Company; **role:** Insurer; **checked:** 2026-09-28. **Scope:** California DOI’s current company profile identifies The Travelers Indemnity Company (NAIC 25658) as UNLIMITED-NORMAL for property and casualty, authorized since 17 June 2002. The source covers this insurer in California and does not map every Travelers product to this issuing company; no expiry/renewal date is shown.[^29] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^30] ## Questions to Ask Before You Buy in California 1. Does the California FAIR Plan’s current underwriting guidance make each of our buildings eligible for its high-value commercial option, and what application materials does it require? 2. Do my values fit the $20 million per-building and $100 million per-location caps, and how would you insure any excess? 3. What happens to the policy at July 26, 2028, and what commercial limit can the FAIR Plan issue after the high-value option sunsets? 4. Does my quote include a temporary supplemental fee, and where is any approved fee shown? 5. Which causes of loss, deductibles, and sublimits apply to the proposed policy forms? ## Commercial Property in California: FAQ ### Can a California business use the FAIR Plan for commercial property? Yes, a California business that still cannot obtain commercial insurance after shopping the market may apply through an agent or broker licensed to sell property insurance, or contact the Plan. The Plan applies underwriting eligibility standards, and the high-value limits do not guarantee that a particular property qualifies.[^2] ### What are California’s temporary high-value FAIR Plan commercial limits? Up to $20 million per building and $100 million per location through July 26, 2028. The current order says no new or renewal high-value policy may begin after that date; commercial policies issued after the sunset are capped at $20 million per location.[^1] ## Commercial Property in Other States - [Alabama](/coverage/commercial-property/alabama) - [Alaska](/coverage/commercial-property/alaska) - [Arizona](/coverage/commercial-property/arizona) - [Arkansas](/coverage/commercial-property/arkansas) - [Colorado](/coverage/commercial-property/colorado) - [Connecticut](/coverage/commercial-property/connecticut) - [Delaware](/coverage/commercial-property/delaware) - [District of Columbia](/coverage/commercial-property/district-of-columbia) - [Florida](/coverage/commercial-property/florida) - [Georgia](/coverage/commercial-property/georgia) - [Hawaii](/coverage/commercial-property/hawaii) - [Idaho](/coverage/commercial-property/idaho) - [Illinois](/coverage/commercial-property/illinois) - [Indiana](/coverage/commercial-property/indiana) - [Iowa](/coverage/commercial-property/iowa) - [Kansas](/coverage/commercial-property/kansas) - [Kentucky](/coverage/commercial-property/kentucky) - [Louisiana](/coverage/commercial-property/louisiana) - [Maine](/coverage/commercial-property/maine) - [Maryland](/coverage/commercial-property/maryland) - [Massachusetts](/coverage/commercial-property/massachusetts) - [Michigan](/coverage/commercial-property/michigan) - [Minnesota](/coverage/commercial-property/minnesota) - [Mississippi](/coverage/commercial-property/mississippi) - [Missouri](/coverage/commercial-property/missouri) - [Montana](/coverage/commercial-property/montana) - [Nebraska](/coverage/commercial-property/nebraska) - [Nevada](/coverage/commercial-property/nevada) - [New Hampshire](/coverage/commercial-property/new-hampshire) - [New Jersey](/coverage/commercial-property/new-jersey) - [New Mexico](/coverage/commercial-property/new-mexico) - [New York](/coverage/commercial-property/new-york) - [North Carolina](/coverage/commercial-property/north-carolina) - [North Dakota](/coverage/commercial-property/north-dakota) - [Ohio](/coverage/commercial-property/ohio) - [Oklahoma](/coverage/commercial-property/oklahoma) - [Oregon](/coverage/commercial-property/oregon) - [Pennsylvania](/coverage/commercial-property/pennsylvania) - [Rhode Island](/coverage/commercial-property/rhode-island) - [South Carolina](/coverage/commercial-property/south-carolina) - [South Dakota](/coverage/commercial-property/south-dakota) - [Tennessee](/coverage/commercial-property/tennessee) - [Texas](/coverage/commercial-property/texas) - [Utah](/coverage/commercial-property/utah) - [Vermont](/coverage/commercial-property/vermont) - [Virginia](/coverage/commercial-property/virginia) - [Washington](/coverage/commercial-property/washington) - [West Virginia](/coverage/commercial-property/west-virginia) - [Wisconsin](/coverage/commercial-property/wisconsin) - [Wyoming](/coverage/commercial-property/wyoming) [Other Coverage in California](/coverage/states/california) ## Sources [^1]: [FAIR Plan Stipulation and Order No. 2026-2](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0700-commissioners-orders/upload/FAIR-Plan-Stipulation-and-Order-2026-2.pdf) — California Department of Insurance; April 3, 2026 Plan of Operation, Sections VII.C.1 and VII.C.3–4: commercial limits, temporary supplemental fees, and July 26, 2028 sunset. Accessed 2026-09-28. [^2]: [California FAIR Plan](https://www.insurance.ca.gov/01-consumers/200-wrr/California-FAIR-Plan.cfm) — California Department of Insurance; How do I get coverage from the FAIR Plan?; commercial eligibility and application through a licensed agent or broker. Accessed 2026-09-28. [^3]: [California Insurance Code §1763](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS§ionNum=1763.) — California Legislature; §1763(a): diligent search; (h)(1): defined commercial-insured written disclosure and subsequent request; (h)(2): broker eligibility responsibility and reasonable good-faith reliance. Accessed 2026-09-28. [^4]: [California Insurance Code §1760.1](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS§ionNum=1760.1.) — California Legislature; §1760.1(b): commercial-insured definition at placement, risk manager, prior premiums and size criteria with periodic monetary adjustments; (o): qualified risk manager. Accessed 2026-09-28. [^5]: [California Department of Insurance](https://www.insurance.ca.gov/) — California Department of Insurance; Official agency homepage. Accessed 2026-09-28. [^6]: [Company and Agent/Broker Information](https://www.insurance.ca.gov/01-consumers/120-company/) — California Department of Insurance; State page linking license-status checks, company information, and surplus-line insurer resources. Accessed 2026-09-28. [^7]: [Consumer Complaint Center](https://cdiapps.insurance.ca.gov/CP/) — California Department of Insurance; Consumer Complaint Center entry point to file an insurance complaint. Accessed 2026-09-28. [^8]: [Commercial Insurance Guide (Form 700, revised June 14, 2024)](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance; Form 700 revision beneath heading; What Should I Expect from a Broker-Agent: CDI licensing role (line 333); Surplus Line Insurance: broker disclosure, limited CDI jurisdiction and CIGA exclusion (lines 448–449); Talk to Us: consumer hotline (line 942). Page retrieved September 28, 2026; revision date is not an access date.. Accessed 2026-09-28. [^9]: [2024 Annual Report of the Commissioner](https://www.insurance.ca.gov/0400-news/0200-studies-reports/0700-commissioner-report/upload/2024-Annual-Report-of-the-Commissioner.pdf) — California Department of Insurance; Page 169: surplus-line brokers pay 3.00% of surplus-line premiums under CIC § 1775.5. Accessed 2026-09-28. [^10]: [Export List Hearings](https://www.insurance.ca.gov/01-consumers/120-company/07-lasli/ExportListHearings.cfm) — California Department of Insurance; CIC §§ 1763 and 1763.1: diligent admitted-market search and commissioner exemption process. Accessed 2026-09-28. [^11]: [California Insurance Code § 1775.5](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=1775.5.&lawCode=INS) — California Legislature; §1775.5(a) 3% of gross premiums less returns and specified exclusions; (b) entire-premium rule and separate interstate-motor-transit deductions; (e) defined blended finite-risk and risk-financing terms. Accessed 2026-09-28. [^12]: [15 U.S.C. §8201: Reporting, payment, and allocation of premium taxes](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section8201) — U.S. House of Representatives, Office of the Law Revision Counsel; §8201(a) exclusive home-State premium-tax authority; (b)(1) interstate allocation procedures; (c) allocation reporting. Accessed 2026-09-28. [^13]: [15 U.S.C. § 8205: Streamlined application for commercial purchasers](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section8205) — U.S. House of Representatives, Office of the Law Revision Counsel; §8205(1)-(2): broker disclosure that admitted insurance may or may not be available with greater protection and oversight, then purchaser written request; ECP eligibility separately defined in §8206(5). Accessed 2026-09-28. [^14]: [15 U.S.C. § 8206, Definitions](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section8206) — U.S. House of Representatives, Office of the Law Revision Counsel; §8206(5) ECP eligibility including qualified risk manager, prior premiums and adjusted size/other criteria; (6) home State and affiliated-insured rules; (13) qualified risk manager. Accessed 2026-09-28. [^15]: [California Insurance Code § 1760.5](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=1760.5.&lawCode=INS) — California Legislature, Legislative Counsel; §1760.5(g): premiums placed under the special-lines license are not subject to the §1775.5 broker tax. Accessed 2026-09-28. [^16]: [CDI FS-006, Surplus Line Broker and Special Lines Surplus Line Broker Insurance (Premium) Tax Return Instructions, revised 2025-11, calendar-year 2025](https://www.insurance.ca.gov/0250-insurers/0300-insurers/0100-applications/tax-forms-instruct-and-info/2025/upload/2025SLBInstructions-FS-006-FINAL-5.pdf) — California Department of Insurance; Calendar-year 2025 instructions revised November 2025; page 2, lines 1–4: fees, outside-US risks, returns and 3%; page 5: allocation percentages informational. Accessed 2026-09-28. [^17]: [Association Constitution](https://www.slacal.org/general-information/constitution) — Surplus Line Association of California; ArticleXV(1) Stamping Office filing function; XV(4) Commissioner-delegated duties subject to approved Plan of Operations. Accessed 2026-09-28. [^18]: [About the Department](https://www.insurance.ca.gov/0500-about-us/02-department/) — California Department of Insurance; Department overview: insurer solvency oversight, agent/broker licensing, company market-conduct reviews, complaints, and insurance-industry regulation. Accessed 2026-09-29. [^19]: [California Insurance Code §1763.1](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS§ionNum=1763.1.) — California Legislature; §1763.1(a): Commissioner order after public hearing and statutory findings; Export List exemptions retain confidential written report; restricted classes and continuing review.. Accessed 2026-09-29. [^20]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^21]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^22]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^23]: [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/) — Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16. [^24]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^25]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^26]: [Licenses & Disclosures](https://riskcubeai.com/licenses) — RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. [^27]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^28]: [Hartford Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile) — California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; Connecticut domicile. No expiry/renewal field. Accessed 2026-09-28.. Accessed 2026-09-28. [^29]: [Company Profile — Travelers Indemnity Company (The)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile) — California Department of Insurance; NAIC 25658; California Company ID 4772-0; authorized 06/17/2002; license status UNLIMITED-NORMAL; property and casualty; Connecticut domicile. No expiry/renewal field. Accessed 2026-09-28.. Accessed 2026-09-28. [^30]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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