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Fire at Massive Battery Plant in Northern California Triggers Evacuations and Road Closures

Fire at Massive Battery Plant in Northern California Triggers Evacuations and Road Closures

A fire erupted Thursday at a massive battery storage facility in Northern California, leading to road closures and evacuation orders for about 1,700 residents in Moss Landing and the nearby Elkhorn Slough area, according to The Mercury News. The fire, which began at the Moss Landing Power Plant, was still burning early Friday, releasing plumes of potentially toxic smoke. Monterey County officials reported that fire crews were not actively combating the blaze, opting instead to let it burn itself out. Monterey County spokesperson Nicholas Pasculli confirmed the fire was contained within the facility and had not spread further. By late Thursday, a temporary evacuation center was in use by some residents, while most evacuees sought shelter with friends or family. Located 77 miles south of San Francisco, the Moss Landing Power Plant is owned by Texas-based Vistra Energy and houses tens of thousands of lithium batteries. These batteries play a critical role in storing renewable energy, such as solar power. However, when lithium batteries catch fire, extinguishing the flames can be extraordinarily challenging. “There’s no way to sugarcoat it—this is a disaster,” said Monterey County Supervisor Glenn Church to KSBW-TV, though he expressed confidence that the fire would not extend beyond the concrete building where it originated. The Monterey County Board of Supervisors scheduled an emergency meeting Friday to assess the situation. Meanwhile, the North Monterey County Unified School District announced the closure of all schools and offices on Friday due to the fire. Past incidents at the Vistra plant in 2021 and 2022 were attributed to sprinkler system malfunctions, which caused some units to overheat, The Mercury News reported. The cause of the current fire remains unknown. In a statement, Vistra confirmed the safe evacuation of all personnel and pledged a thorough investigation once the fire is extinguished. “Our top priority is the safety of the community and our personnel, and Vistra deeply appreciates the assistance of local emergency responders,” said company spokesperson Jenny Lyon. The plant’s lithium battery systems are designed to advance clean energy initiatives, but this latest incident highlights the inherent risks associated with large-scale energy storage.
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State Farm Reverses Course, Offers Renewals to Wildfire-Affected Homeowners in Los Angeles

State Farm Reverses Course, Offers Renewals to Wildfire-Affected Homeowners in Los Angeles

In a significant reversal, State Farm, one of California’s largest insurers, has announced it will renew policies for homeowners impacted by the recent Los Angeles wildfires. This decision follows earlier plans to drop coverage for thousands of properties across the state. “We have paused the notification process on homeowner non-renewals in the areas affected by the fires,” the company stated on its website. Policies active as of January 7, when the fires began, will be eligible for renewal for another term, providing much-needed relief to affected residents.

Thousands of Claims Already Filed

As of Wednesday, State Farm had received over 7,400 claims related to home and auto damages from the wildfires—a number expected to grow as more residents return to assess the destruction. The Los Angeles Times reported that the company’s decision impacts approximately 1,100 policies in the Pacific Palisades area (ZIP code 90272) and thousands more across Los Angeles County.

A Lifeline for Homeowners in Fire Zones

California’s Department of Insurance revealed that more than 7,600 State Farm policyholders in the Palisades Fire zone and an additional 525 in the Eaton Fire zone had been slated for non-renewal. These areas have suffered significant losses, with fire officials estimating damage to 5,000 structures in the Palisades Fire and another 7,000 in the Eaton Fire.

Broader Challenges in California’s Insurance Market

State Farm’s decision comes amid a turbulent time for California’s homeowners insurance market. In March, the insurer announced it would drop renewals for roughly 30,000 homeowners statewide, including rental properties, citing increased risks and rising costs. While this policy adjustment offers immediate relief to homeowners grappling with wildfire recovery, it underscores the ongoing challenges in securing reliable insurance coverage in California’s fire-prone areas. For now, the renewed policies represent a vital step in helping residents rebuild their lives after the devastating fires.
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Closing the Gap: Solutions to Address Wildfire Insurance Challenges in California

Closing the Gap: Solutions to Address Wildfire Insurance Challenges in California

As wildfires become a growing threat in California, many residents face an uncertain future regarding home insurance. Recent legislative efforts aim to provide relief and address the challenges posed by a strained insurance market in fire-prone areas.

Understanding the Wildfire Insurance Problem

California has seen a surge in non-renewals and premium hikes in areas with high wildfire risk. For many homeowners, securing coverage has become an uphill battle, leaving families and businesses vulnerable when disaster strikes. Recent wildfires in regions like Pacific Palisades, Malibu, and Altadena have further highlighted the urgent need for accessible and affordable insurance options.

Proposed Solutions for Wildfire Coverage

A new legislative proposal, the Wildfire Insurance Coverage Study Act, seeks to address these challenges by requiring a federal review of the availability and affordability of wildfire insurance. This study would also examine disparities in coverage and recommend strategies to stabilize the market. Key components of the proposal include:
  • Market Analysis: Evaluating how wildfire risk affects access to insurance.
  • Affordability Assessment: Identifying areas where premiums disproportionately burden homeowners.
  • Federal Recommendations: Exploring potential national strategies to support high-risk communities.

Broader Support for Affected Communities

In addition to addressing insurance gaps, state lawmakers are advocating for measures to support individuals and families impacted by wildfires. Proposed initiatives include financial relief for those managing housing and mortgage costs, increased pay for firefighters, and protections for renters facing emergency-related challenges.

The Path Forward

Wildfires are not just a seasonal issue; they are reshaping how Californians approach risk management and recovery. From insurance reforms to community support, collaboration between state and federal agencies will be essential to building resilience in wildfire-prone areas. For homeowners, understanding available resources and reviewing existing insurance policies can help mitigate risks. Consulting with experienced agents and exploring specialized coverage options can provide peace of mind in uncertain times.

Conclusion

Efforts to address wildfire insurance challenges reflect a growing awareness of the need for comprehensive solutions. By prioritizing affordability, accessibility, and community support, California can better prepare for the realities of a changing climate and protect its residents from future disasters.
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Hawaii Lawmakers Aim to Stabilize Property Insurance Amid Rising Climate Risks

Hawaii Lawmakers Aim to Stabilize Property Insurance Amid Rising Climate Risks

Hawaii lawmakers opened their legislative session with a commitment to stabilize the state’s property insurance market, which has been shaken by climate change-driven disasters like hurricanes and wildfires. Rising reinsurance costs and increasing risk assessments have led insurers to raise premiums or entirely exit the Hawaii market.

Global Disasters Impacting Local Markets

Hurricanes in Florida and North Carolina, as well as wildfires in California, are driving up global reinsurance rates. Insurers who depend on this backup coverage are passing those costs onto homeowners in Hawaii. Even before the devastating August 2023 wildfires on Maui, insurers were classifying Hawaii as a high-risk state, further inflating premiums. AccuWeather estimates recent Los Angeles wildfires caused up to $150 billion in damages, underscoring the strain on the insurance industry. State Sen. Jarrett Keohokalole, chair of the Senate Commerce and Consumer Protection Committee, emphasized the complexity of the situation, noting, “We don’t have any certainty...what we can expect is that these larger and larger disasters will continue to increase in frequency.”

Looking to the Past for Solutions

Lawmakers are considering reviving the Hawaii Hurricane Relief Fund, initially created after Hurricane Iniki devastated Kauai in 1992. This state-backed insurance program covered 155,000 policyholders for a decade, offering an essential safety net until private insurers returned. However, Keohokalole cautioned that limited state resources may not guarantee the affordable rates homeowners hope for. He highlighted the need for a locally accessible insurance solution, particularly for vulnerable populations like kupuna (elders) and struggling families.

Challenges for Condo Owners

Hawaii’s condominium owners are facing particularly steep challenges. Skyrocketing premiums have forced many condo boards to reduce coverage, but this leaves buildings underinsured for hurricane risk. Federal mortgage backers like Fannie Mae and Freddie Mac require full replacement coverage, leading to a ripple effect: banks are hesitant to finance condos that lack adequate insurance. An estimated 375 to 390 condominium buildings in Hawaii are currently underinsured, creating barriers to homeownership in a state where median single-family home prices exceed $1 million in most counties. Senate President Ron Kouchi warned this issue could drastically impede homeownership as cash purchases become the only viable option without adequate insurance.

Planning for Resiliency

Keohokalole stressed the importance of long-term strategies, including fire safety measures and disaster resilience initiatives for homeowners. “Delivering something” during this legislative session, which ends in May, is critical to addressing these urgent needs, he said.

Broader Implications

The crisis in Hawaii mirrors challenges in California, where insurers are retreating from the market amid increasingly severe wildfires, floods, and windstorms. The situation underscores the growing difficulty of maintaining affordable property insurance in disaster-prone areas. As Hawaii lawmakers move forward, their efforts to balance insurance accessibility with rising global risks will be closely watched, offering potential lessons for other states grappling with similar challenges.
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