Partner Jan Larson and Summer Associate Averi Suk Discuss California FAIR Plan's Expanding Role in Law360

Partner Jan Larson, Co-Chair of the firm’s Insurance Recovery and Counseling Practice, and Summer Associate Averi Suk co-authored an article for Law360 examining how a historic rate increase, a significant litigation outcome, and a new round of legislation are together reshaping the California FAIR Plan's role in the state's insurance market.

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Jan and Averi note that the FAIR Plan — originally created as a temporary safety net for property owners unable to secure coverage elsewhere — has grown substantially since the January 2025 Palisades and Eaton fires, with total exposure and policies in force rising sharply and prompting a 29.1% average rate increase approved by the California Department of Insurance. They also discuss a recent Los Angeles Superior Court ruling in Consumer Watchdog v. Lara, which upheld the mechanism allowing FAIR Plan member insurers to recoup assessment costs from policyholders, as well as pending legislation, including the Make It FAIR Act, that would impose new oversight and reporting requirements on the FAIR Plan.

Jan and Averi conclude that these developments point toward the FAIR Plan becoming a durable, closely regulated fixture of California's insurance market, rather than the temporary bridge it was originally intended to be.

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© 2026 Jenner & Block LLP. Attorney Advertising. Jenner & Block LLP is an Illinois Limited Liability Partnership including professional corporations. This publication, presentation, or event is not intended to provide legal advice but to provide information on legal matters and/or firm news of interest to our clients and colleagues. Readers or attendees should seek specific legal advice before taking any action with respect to matters mentioned in this publication or at this event. The attorney responsible for this communication is Brent E. Kidwell, Jenner & Block LLP, 353 N. Clark Street, Chicago, IL 60654-3456. Prior results do not guarantee a similar outcome. Jenner & Block London LLP, an affiliate of Jenner & Block LLP, is a limited liability partnership established under the laws of the State of Delaware, USA and is authorised and regulated by the Solicitors Regulation Authority with SRA number 615729. Information regarding the data we collect and the rights you have over your data can be found in our Privacy Notice. For further inquiries, please contact dataprotection@jenner.com.

Partner Jan Larson and Summer Associate Averi Suk Discuss California FAIR Plan's Expanding Role in Law360

Partner Jan Larson, Co-Chair of the firm’s Insurance Recovery and Counseling Practice, and Summer Associate Averi Suk co-authored an article for Law360 examining how a historic rate increase, a significant litigation outcome, and a new round of legislation are together reshaping the California FAIR Plan's role in the state's insurance market.

Read More

Jan and Averi note that the FAIR Plan — originally created as a temporary safety net for property owners unable to secure coverage elsewhere — has grown substantially since the January 2025 Palisades and Eaton fires, with total exposure and policies in force rising sharply and prompting a 29.1% average rate increase approved by the California Department of Insurance. They also discuss a recent Los Angeles Superior Court ruling in Consumer Watchdog v. Lara, which upheld the mechanism allowing FAIR Plan member insurers to recoup assessment costs from policyholders, as well as pending legislation, including the Make It FAIR Act, that would impose new oversight and reporting requirements on the FAIR Plan.

Jan and Averi conclude that these developments point toward the FAIR Plan becoming a durable, closely regulated fixture of California's insurance market, rather than the temporary bridge it was originally intended to be.

Related Capabilities

Related Locations

© 2026 Jenner & Block LLP. Attorney Advertising. Jenner & Block LLP is an Illinois Limited Liability Partnership including professional corporations. This publication, presentation, or event is not intended to provide legal advice but to provide information on legal matters and/or firm news of interest to our clients and colleagues. Readers or attendees should seek specific legal advice before taking any action with respect to matters mentioned in this publication or at this event. The attorney responsible for this communication is Brent E. Kidwell, Jenner & Block LLP, 353 N. Clark Street, Chicago, IL 60654-3456. Prior results do not guarantee a similar outcome. Jenner & Block London LLP, an affiliate of Jenner & Block LLP, is a limited liability partnership established under the laws of the State of Delaware, USA and is authorised and regulated by the Solicitors Regulation Authority with SRA number 615729. Information regarding the data we collect and the rights you have over your data can be found in our Privacy Notice. For further inquiries, please contact dataprotection@jenner.com.

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