Insurance in California

Coverage Requirements in California

California raised minimum auto liability to 30/60/15 effective January 1, 2025 ($30,000 per person bodily injury, $60,000 per accident, $15,000 property damage) — replacing 15/30/5 limits unchanged since 1967. California is an at-fault state; UM/UIM matching 100/300 is strongly recommended given ~17% uninsured drivers. Standard homeowners excludes earthquake, mudslide, and flood — use CEA or private earthquake, NFIP or private flood where water rises, and review debris-flow exposure below burn scars. High-hazard wildfire addresses may require California FAIR Plan fire coverage plus a DIC wrap for liability, theft, and water damage. All California employers must carry workers' compensation from the first employee. AB 5 and follow-on rules affect employee vs. independent-contractor classification — misclassification increases EPL and regulatory risk. Prop 103 shapes admitted-line pricing; commercial risks still vary sharply by class code and location.