{"id":542,"date":"2021-10-12T22:11:30","date_gmt":"2021-10-12T22:11:30","guid":{"rendered":"https:\/\/sites.sandiego.edu\/cpil-blog\/?p=542"},"modified":"2021-10-12T22:11:30","modified_gmt":"2021-10-12T22:11:30","slug":"passage-of-sb-11-expands-california-fair-plan-coverage","status":"publish","type":"post","link":"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/","title":{"rendered":"Passage of SB 11 Expands California FAIR Plan Coverage"},"content":{"rendered":"<h3>By Allison Plette<\/h3>\n<p><a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billTextClient.xhtml?bill_id=202120220SB11\">SB 11 (Rubio)<\/a>, as amended June 28, 2021, expands sections 10091 and 10094 of the California Insurance Code covering the California FAIR Plan. The amendments remove exclusions for \u201cfarm risks\u201d from the definition of \u201cbasic property insurance.\u201d The new version of the code narrows the exclusion to \u201c<em>commercial<\/em> agricultural commodities or livestock, or equipment used to cultivate or transport agricultural <em>commodities or livestock<\/em>.\u201d (emphasis added). Though the bill continues to exclude \u201ccommercial agricultural commodities\u201d (such as crops and livestock), it now covers basic property insurance for <em>permanent structures <\/em>on farms.<\/p>\n<p>Established by statute (California Insurance Code sections 10091 et seq) in 1968, the <a href=\"https:\/\/www.cfpnet.com\/\">California FAIR Plan<\/a> was originally designed to offer coverage to California\u2019s high-risk homeowners and renters who had trouble obtaining coverage through other insurers. However, with California wildfires growing <a href=\"https:\/\/perma.cc\/7G6A-ZNCV\">longer and more intense<\/a>, the number of non-renewals on residential properties has <a href=\"https:\/\/perma.cc\/B8YU-C2FA\">grown every year<\/a> from 2015 to 2019. \u00a0Under the previous versions of sections 10091 and 10094, only residential properties were afforded protection under the FAIR plan, subjecting farms, agriculture structures, and wineries to increasing non-renewal of commercial insurance.<\/p>\n<p>In a July 23, 2021 <a href=\"https:\/\/perma.cc\/P7AC-FLP3\">press release<\/a>, Commissioner Lara stated that the mandates under SB 11 will help \u201cclose the commercial insurance coverage gaps that are leaving many of [California\u2019s] agribusinesses exposed to major losses.\u201d\u00a0 However, note that the exclusion appears to remain for those property owners with perhaps even minor commercial agricultural enterprises.\u00a0 It is unclear how many are now protected with that broad remaining allowance for insurance cut-offs.<\/p>\n<p>Governor Newsom signed SB 11 on July 23, 2021 (Chapter 128, Statutes of 2021).<\/p>\n<p>&nbsp;<\/p>\n<a class=\"synved-social-button synved-social-button-follow synved-social-size-32 synved-social-resolution-single synved-social-provider-facebook nolightbox\" data-provider=\"facebook\" target=\"_blank\" rel=\"nofollow\" title=\"Follow us on Facebook\" href=\"https:\/\/www.facebook.com\/CPILUSD\" style=\"font-size: 0px;width:32px;height:32px;margin:0;margin-bottom:5px;margin-right:5px\"><img loading=\"lazy\" decoding=\"async\" alt=\"Facebook\" title=\"Follow us on Facebook\" class=\"synved-share-image synved-social-image synved-social-image-follow\" width=\"32\" height=\"32\" style=\"display: inline;width:32px;height:32px;margin: 0;padding: 0;border: none;box-shadow: none\" src=\"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-content\/plugins\/social-media-feather\/synved-social\/addons\/extra-icons\/image\/social\/circle\/64x64\/facebook.png\" \/><\/a><a class=\"synved-social-button synved-social-button-follow synved-social-size-32 synved-social-resolution-single synved-social-provider-twitter nolightbox\" data-provider=\"twitter\" target=\"_blank\" rel=\"nofollow\" title=\"Follow us on Twitter\" href=\"https:\/\/twitter.com\/cpilusd\" style=\"font-size: 0px;width:32px;height:32px;margin:0;margin-bottom:5px\"><img loading=\"lazy\" decoding=\"async\" alt=\"twitter\" title=\"Follow us on Twitter\" class=\"synved-share-image synved-social-image synved-social-image-follow\" width=\"32\" height=\"32\" style=\"display: inline;width:32px;height:32px;margin: 0;padding: 0;border: none;box-shadow: none\" src=\"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-content\/plugins\/social-media-feather\/synved-social\/addons\/extra-icons\/image\/social\/circle\/64x64\/twitter.png\" \/><\/a>","protected":false},"excerpt":{"rendered":"<p>By Allison Plette SB 11 (Rubio), as amended June 28, 2021, expands sections 10091 and 10094 of the California Insurance Code covering the California FAIR Plan. The amendments remove exclusions for \u201cfarm risks\u201d from the definition of \u201cbasic property insurance.\u201d <a class=\"more-link\" href=\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1013,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[132877,133006],"tags":[137823,132879,137819,137821,137818,137820,137822],"coauthors":[132864],"class_list":["post-542","post","type-post","status-publish","format-standard","hentry","category-department-of-insurance","category-legislation-department-of-insurance","tag-agribusiness","tag-doi","tag-fair-plan","tag-farm-risks","tag-insuarnce","tag-insurance-code","tag-property-owners"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Passage of SB 11 Expands California FAIR Plan Coverage - Consumer Protection Policy Center - Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:locale\" content=\"en_US\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:type\" content=\"article\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:title\" content=\"Passage of SB 11 Expands California FAIR Plan Coverage - Consumer Protection Policy Center - Blog\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:description\" content=\"By Allison Plette SB 11 (Rubio), as amended June 28, 2021, expands sections 10091 and 10094 of the California Insurance Code covering the California FAIR Plan. The amendments remove exclusions for \u201cfarm risks\u201d from the definition of \u201cbasic property insurance.\u201d Continue reading &rarr;\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:url\" content=\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:site_name\" content=\"Consumer Protection Policy Center - Blog\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"article:published_time\" content=\"2021-10-12T22:11:30+00:00\" class=\"yoast-seo-meta-tag\" \/>\n<meta name=\"author\" content=\"Katie Gonzalez\" class=\"yoast-seo-meta-tag\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" class=\"yoast-seo-meta-tag\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" class=\"yoast-seo-meta-tag\" \/>\n\t<meta name=\"twitter:data1\" content=\"Katie Gonzalez\" class=\"yoast-seo-meta-tag\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" class=\"yoast-seo-meta-tag\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" class=\"yoast-seo-meta-tag\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/\"},\"author\":{\"name\":\"Katie Gonzalez\",\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/#\/schema\/person\/fdc87a266320b80c7a790bdc2a17df69\"},\"headline\":\"Passage of SB 11 Expands California FAIR Plan Coverage\",\"datePublished\":\"2021-10-12T22:11:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/\"},\"wordCount\":260,\"commentCount\":0,\"keywords\":[\"agribusiness\",\"DOI\",\"FAIR plan\",\"farm risks\",\"insuarnce\",\"insurance code\",\"property owners\"],\"articleSection\":[\"Department of Insurance\",\"Legislation\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/\",\"url\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/\",\"name\":\"Passage of SB 11 Expands California FAIR Plan Coverage - Consumer Protection Policy Center - Blog\",\"isPartOf\":{\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/#website\"},\"datePublished\":\"2021-10-12T22:11:30+00:00\",\"author\":{\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/#\/schema\/person\/fdc87a266320b80c7a790bdc2a17df69\"},\"breadcrumb\":{\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Passage of SB 11 Expands California FAIR Plan Coverage\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/#website\",\"url\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/\",\"name\":\"Consumer Protection Policy Center - Blog\",\"description\":\"We work to protect and advance a reality where every citizen is protected by a government that is ethical, accountable, and transparent.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/#\/schema\/person\/fdc87a266320b80c7a790bdc2a17df69\",\"name\":\"Katie Gonzalez\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"\/\/www.gravatar.com\/avatar\/367bf8ae36ed938af8637f2b96d85412?s=96&#038;r=g&#038;d=mmc97f81d333fa3b469936c6ead32ef1d5\",\"url\":\"\/\/www.gravatar.com\/avatar\/367bf8ae36ed938af8637f2b96d85412?s=96&#038;r=g&#038;d=mm\",\"contentUrl\":\"\/\/www.gravatar.com\/avatar\/367bf8ae36ed938af8637f2b96d85412?s=96&#038;r=g&#038;d=mm\",\"caption\":\"Katie Gonzalez\"},\"url\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/author\/katie-gonzalez_gonzalez\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Passage of SB 11 Expands California FAIR Plan Coverage - Consumer Protection Policy Center - Blog","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/","og_locale":"en_US","og_type":"article","og_title":"Passage of SB 11 Expands California FAIR Plan Coverage - Consumer Protection Policy Center - Blog","og_description":"By Allison Plette SB 11 (Rubio), as amended June 28, 2021, expands sections 10091 and 10094 of the California Insurance Code covering the California FAIR Plan. The amendments remove exclusions for \u201cfarm risks\u201d from the definition of \u201cbasic property insurance.\u201d Continue reading &rarr;","og_url":"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/","og_site_name":"Consumer Protection Policy Center - Blog","article_published_time":"2021-10-12T22:11:30+00:00","author":"Katie Gonzalez","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Katie Gonzalez","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/#article","isPartOf":{"@id":"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/"},"author":{"name":"Katie Gonzalez","@id":"https:\/\/sites.sandiego.edu\/cpil-blog\/#\/schema\/person\/fdc87a266320b80c7a790bdc2a17df69"},"headline":"Passage of SB 11 Expands California FAIR Plan Coverage","datePublished":"2021-10-12T22:11:30+00:00","mainEntityOfPage":{"@id":"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/"},"wordCount":260,"commentCount":0,"keywords":["agribusiness","DOI","FAIR plan","farm risks","insuarnce","insurance code","property owners"],"articleSection":["Department of Insurance","Legislation"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/","url":"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/","name":"Passage of SB 11 Expands California FAIR Plan Coverage - Consumer Protection Policy Center - Blog","isPartOf":{"@id":"https:\/\/sites.sandiego.edu\/cpil-blog\/#website"},"datePublished":"2021-10-12T22:11:30+00:00","author":{"@id":"https:\/\/sites.sandiego.edu\/cpil-blog\/#\/schema\/person\/fdc87a266320b80c7a790bdc2a17df69"},"breadcrumb":{"@id":"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/12\/passage-of-sb-11-expands-california-fair-plan-coverage\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/sites.sandiego.edu\/cpil-blog\/"},{"@type":"ListItem","position":2,"name":"Passage of SB 11 Expands California FAIR Plan Coverage"}]},{"@type":"WebSite","@id":"https:\/\/sites.sandiego.edu\/cpil-blog\/#website","url":"https:\/\/sites.sandiego.edu\/cpil-blog\/","name":"Consumer Protection Policy Center - Blog","description":"We work to protect and advance a reality where every citizen is protected by a government that is ethical, accountable, and transparent.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/sites.sandiego.edu\/cpil-blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/sites.sandiego.edu\/cpil-blog\/#\/schema\/person\/fdc87a266320b80c7a790bdc2a17df69","name":"Katie Gonzalez","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"\/\/www.gravatar.com\/avatar\/367bf8ae36ed938af8637f2b96d85412?s=96&#038;r=g&#038;d=mmc97f81d333fa3b469936c6ead32ef1d5","url":"\/\/www.gravatar.com\/avatar\/367bf8ae36ed938af8637f2b96d85412?s=96&#038;r=g&#038;d=mm","contentUrl":"\/\/www.gravatar.com\/avatar\/367bf8ae36ed938af8637f2b96d85412?s=96&#038;r=g&#038;d=mm","caption":"Katie Gonzalez"},"url":"https:\/\/sites.sandiego.edu\/cpil-blog\/author\/katie-gonzalez_gonzalez\/"}]}},"_links":{"self":[{"href":"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-json\/wp\/v2\/posts\/542","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-json\/wp\/v2\/users\/1013"}],"replies":[{"embeddable":true,"href":"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-json\/wp\/v2\/comments?post=542"}],"version-history":[{"count":1,"href":"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-json\/wp\/v2\/posts\/542\/revisions"}],"predecessor-version":[{"id":543,"href":"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-json\/wp\/v2\/posts\/542\/revisions\/543"}],"wp:attachment":[{"href":"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-json\/wp\/v2\/media?parent=542"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-json\/wp\/v2\/categories?post=542"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-json\/wp\/v2\/tags?post=542"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-json\/wp\/v2\/coauthors?post=542"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}