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As the U.S. confronts escalating natural disasters like wildfires, hurricanes and floods, the scope of employer responsibility extends beyond the confines of office walls.

The proposed reforms show a sea change from where the California Department of Insurance was six months ago.

The order tasks the insurance commissioner with improving the rate approval process, a long-time sticking point with carriers in the state.

Growing catastrophe losses combined with rate inadequacy are masking the true risks facing nearly 40 million properties.

According to the NOAA, as of September, 23 billion-dollar-plus climate disasters have struck the United States in 2023.

The one-year moratorium will impact more than 15,000 policyholders in Del Norte and Siskiyou counties.

The first half of 2023 saw above-average natural catastrophe losses, while secondary perils added further pressure.

Sustainable insurance withstands catastrophic events while enabling insurers to conduct business and plan for the future.