Insurance Blog

New to California from another country? Mainstream carriers will quote you 2-4x normal rates or reject you outright. Here is the path to a fair rate as a new immigrant driver.

If you drive for Uber, Lyft, DoorDash, Uber Eats, Amazon Flex, or Instacart in California, your personal auto policy will deny most claims. Here is the coverage you actually need and what it costs.

Hit a California insurance emergency? Free PDF checklists for the 4 most urgent situations: SR-22 after a DUI, home non-renewal letter, new DOT/MC authority, hiring your first W-2.

California requires Workers Comp the moment you have one (1) employee. Free PDF: documents, NAICS class codes, typical pricing, common rookie mistakes.

Just got your DOT and MC authority? Free PDF: documents to gather, FMCSA minimum limits, BMC-91X / BMC-34 filing timeline, typical California pricing.

Got a non-renewal letter? You have 75 days. Free PDF action plan: standard market shop → FAIR Plan + DIC → mortgage lender notification.

Step-by-step plan to clear your California license suspension and get back on the road within one business day. Free PDF download.

California's wildfire seasons have caused major carriers to non-renew tens of thousands of homeowners. Here's what's actually covered, what's excluded, what FAIR Plan is, and how CoverToday helps homeowners in fire-zone ZIP codes find coverage that holds.

California requires every employer with even one employee to carry Workers' Compensation. Here's what WC covers, what happens if you skip it, how rates are set, and how CoverToday shops multiple specialty WC carriers to find the best class-code rate for your business.

A Business Owner's Policy bundles General Liability + Property + Business Income protection into one policy at a discount. Here's what's covered, who it's right for, and how CoverToday writes BOPs across multiple specialty carriers in California.