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CaliforniaSB 5472025-2026 Regular SessionSenateWALLET

Commercial property insurance cancellation and nonrenewal.

Sponsored By: Sasha Renée Pérez (Democratic), Susan Rubio (Democratic)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 1 benefits, 1 costs, 1 mixed.

One-year ban on wildfire cancellations for commercial property

Insurers cannot cancel or refuse to renew a commercial property policy just because the property is in a wildfire area. This protection lasts one year after the state declares an emergency. It only covers policies that were active when the emergency was declared. It applies to ZIP Codes within or next to the mapped fire perimeter. The Insurance Commissioner issues a bulletin telling insurers which ZIP Codes are covered.

Which commercial property policies get protection

Some policies are excluded from the one-year protection. Inland marine, transit, transportation, and commercial auto policies are not covered. A policy is also excluded when the annual premium is $25,000 or more and the insured averaged 25 or more employees in the prior 12 months. But the protection still applies if the policy covers property used mainly for commercial residential or habitational use, like HOAs, condo associations, long‑term rental hotels or motels, apartment or condo complexes, multifamily buildings with more than five units, student housing, and senior living.

When insurers can still cancel after wildfires

There are narrow cases where insurers can still cancel or not renew. They can act if you or your agents commit willful or gross negligence that raises risk. They can act for losses not tied to the disaster that together make the risk ineligible. They can act if other physical or risk changes make the property uninsurable.

Sponsors & Cosponsors

Sponsors

  • Sasha Renée Pérez

    Democratic • Senate

  • Susan Rubio

    Democratic • Senate

Cosponsors

  • Sabrina Cervantes

    Democratic • Senate

  • Dave Cortese

    Democratic • Senate

  • Mark Mark González

    Democratic • House

  • Eloise Gómez Reyes

    Democratic • Senate

  • Lola Smallwood-Cuevas

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 192 • No: 0

House vote • 9/13/2025

Item 23 — Assembly AFLOOR

Yes: 79 • No: 0

Senate vote • 9/13/2025

Item 162 — Senate SFLOOR

Yes: 36 • No: 0

legislature vote • 8/20/2025

Vote in CX25

Yes: 15 • No: 0

legislature vote • 7/16/2025

Vote in CX28

Yes: 17 • No: 0

Senate vote • 6/3/2025

Item 19 — Senate SFLOOR

Yes: 39 • No: 0

legislature vote • 4/23/2025

Vote in CS70

Yes: 6 • No: 0

Actions Timeline

  1. Chaptered by Secretary of State. Chapter 544, Statutes of 2025.

    10/10/2025Senate

  2. Approved by the Governor.

    10/10/2025legislature

  3. Enrolled and presented to the Governor at 2 p.m.

    9/23/2025legislature

  4. Assembly amendments concurred in. (Ayes 36. Noes 0. Page 3052.) Ordered to engrossing and enrolling.

    9/13/2025Senate

  5. In Senate. Concurrence in Assembly amendments pending.

    9/13/2025Senate

  6. Read third time. Passed. (Ayes 79. Noes 1. Page 3442.) Ordered to the Senate.

    9/13/2025House

  7. Joint Rule 61(a)(14) and 51(a)(4) suspended. (Ayes 59. Noes 20. Page 3413.)

    9/13/2025House

  8. Read second time. Ordered to third reading.

    8/21/2025House

  9. From committee: Do pass. (Ayes 15. Noes 0.) (August 20).

    8/20/2025House

  10. Read second time and amended. Re-referred to Com. on APPR.

    7/17/2025House

  11. From committee: Do pass as amended and re-refer to Com. on APPR. (Ayes 17. Noes 0.) (July 16).

    7/16/2025House

  12. From committee with author's amendments. Read second time and amended. Re-referred to Com. on INS.

    7/10/2025House

  13. Referred to Com. on INS.

    6/9/2025House

  14. In Assembly. Read first time. Held at Desk.

    6/4/2025House

  15. Read third time. Passed. (Ayes 39. Noes 0. Page 1452.) Ordered to the Assembly.

    6/3/2025Senate

  16. Read second time. Ordered to third reading.

    5/6/2025Senate

  17. From committee: Be ordered to second reading pursuant to Senate Rule 28.8.

    5/5/2025Senate

  18. Set for hearing May 5.

    4/25/2025Senate

  19. From committee: Do pass and re-refer to Com. on APPR. (Ayes 6. Noes 0. Page 869.) (April 23). Re-referred to Com. on APPR.

    4/24/2025Senate

  20. Set for hearing April 23.

    4/4/2025Senate

  21. Referred to Com. on INS.

    3/5/2025Senate

  22. From printer. May be acted upon on or after March 23.

    2/21/2025Senate

  23. Introduced. Read first time. To Com. on RLS. for assignment. To print.

    2/20/2025Senate

Bill Text

  • Chaptered

    10/10/2025

    HTML

  • Enrolled

    9/18/2025

    HTML

  • Amended Assembly

    7/17/2025

    HTML

  • Amended Assembly

    7/10/2025

    HTML

  • Introduced

    2/20/2025

    HTML

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