Viewpoint: California’s Surplus Lines HO Market’s New Phase Driven by Access, Not Wildfire Risk April 1, 2026 By Mikhail Gorshunov It’s been more than two years since I wrote an analysis based on Surplus Line Association of California insight and...
Viewpoint: What Tariffs, Steel Prices Mean for E&S Construction Insurance in California April 24, 2025 By Mikhail Gorshunov Steel prices have been anything but steady in recent years. With renewed discussions around tariffs and trade restrictions, another wave...
Viewpoint: The Evolution of Homeowners Insurance in California—From Niche to Necessity March 12, 2025 By Mikhail Gorshunov For many years, the homeowners insurance market operated as a relatively stable and predictable sector in California. Changes were incremental,...
California’s Homeowners Insurance Shift: Population, Inflation and Admitted Insurer Exits February 5, 2024 By Mikhail Gorshunov The excess and surplus lines homeowners insurance market in California has undergone significant changes in recent years. The number of...
Viewpoint: California’s Homeowners Insurance Shift: Population, Inflation, and Admitted Insurer Exits January 19, 2024 By Mikhail Gorshunov The excess and surplus lines homeowners’ insurance market in California has undergone significant changes in recent years. The number of...