California insurance commissioner OK’s increased wildfire insurance limits for wineries, vineyards, ranches


Vintners, wine grape growers, ranchers and other farming operations that lost conventional commercial property coverage last year in the aftermath of several years of devastating wildfires can start buying new policies from California’s “insurer of last resort” as of next month.

The Department of Insurance on Friday said Commissioner Robert Lara approved new commercial coverage through the FAIR Plan for farm structure risks starting Feb. 1.

This action follows the rapid passage and signing of Senate Bill 11 last July, amid reports from vintners and growers in rural North Coast areas from around the beginning of 2021 about big jumps in renewal pricing, reduced coverage or being dropped by a carrier.

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