Jane Kim, a progressive former San Francisco supervisor with no insurance experience, appears to have won the race to be California’s industry commissioner, topping veteran legislator Ben Allen, who represents the Pacific Palisades community devastated by the January 2025 wildfires.
Kim, 49, declared victory Friday in the contest to replace outgoing Insurance Commissioner Ricardo Lara, ahead of a final vote count. However, a narrow gap between the two Democratic candidates has widened since election day. She also topped June’s primary field.
“We pay into the system so that when the worst happens, we’re protected. Californians have kept our end of that bargain, but insurance companies have broken their side of the promise by denying, delaying and underpaying valid claims and dropping coverage. Voters made clear in this election that they want — and deserve — that promise restored,” she said in a statement that called the vote a “rejection of the status quo.”
Allen, 48, issued a statement noting that he had congratulated Kim earlier in the day and wished her well.
“Jane ran a strong race, and it appears that she has won,” he said. “Assuming that is the case, I desperately want her to succeed, because if she succeeds, the state succeeds, especially the families in need that we’ve been fighting for across the state.”
“I ran for this office because of what I saw after fires devastated my community and region. Families in the Palisades and Altadena who had paid their premiums for decades and did everything right and who are now struggling to get the help they need,” Allen added.
Election officials continue to tally the votes in the race, and no winner had been declared by the Associated Press as of Friday afternoon.
The down-ballot contest didn’t draw attention like the race for governor or Los Angeles mayor, even as Kim will take office amid a state home insurance crisis in which private carriers have raised rates and dropped hundreds of thousands of residential policyholders amid rising wildfire risks.
The January 2025 wildfires that devastated Altadena, Pacific Palisades and nearby communities exacerbated the problems, with widespread complaints that some insurers were illegally delaying, underpaying or denying claims — including from smoke-damaged homes . The situation prompted investigations by the department and Los Angeles County.
The commissioner oversees an office with 1,400 employees that regulates more than 1,700 home, auto, workers’ compensation and other insurers, as well as more than 510,000 agents, brokers, adjusters, bail agents and other business entities.
Kim, the daughter of Korean immigrants who attended Stanford and has a UC Berkeley law degree, entered the race with little statewide recognition but serious progressive bona fides.
During her time on the San Francisco board of supervisors from 2011 to 2019, she led campaigns to sharply raise the minimum wage and make the local community college tuition free. She also served as California political director for the 2020 presidential run of Bernie Sanders, the progressive independent senator from Vermont who stumped for her commissioner’s bid.
She was endorsed by the California Federation of Labor Unions, an affiliate of the AFL-CIO that represents more than 1,300 state labor unions, while Allen got the Democratic Party nod.
Kim built her campaign around a novel proposal to establish a state-run insurance pool largely funded by homeowners that would cover wildfire claims and invest in programs to reduce fire risks for homeowners and communities. Insurers would continue to cover other claims.
The plan responds to the growing number of homeowners who can’t find insurance and are forced into the California FAIR Plan, the state’s privately operated insurer of last resort, which typically offers more expensive and less broad coverage than the open market. Though the plan’s growth has slowed, as of Sept. 30 it insured 677,000 residential policyholders, up from 271,000 four years earlier.
Jane was criticized during the campaign by Allen and others for failing to provide details on how her so-called “single payer” system would work. In late October, she released a policy brief with more details, including how coverage would be capped at a replacement cost to fully rebuild the typical California home, with more expensive homes needing additional private wildfire insurance.
The novel plan would require buy-in from Gov.-elect Xavier Becerra, the Legislature and the industry.
Allen, who called the plan unworkable and too expensive, campaigned on a platform that called attention to his three Senate terms in the Legislature, where he authored bills that cracked down on insurers and offered consumers more protection. They included higher up-front payouts in fire losses without requiring itemization by policyholders during states of emergency, and requiring insurers to fix any deficiencies uncovered by department examinations.
Kim was outspent by Allen, who raised $3.7 million compared to Kim’s $1.5 million. He also was the recipient of $2.3 million of spending by independent political action committees on his behalf.
Although Allen said he would not take insurance industry money for the race, Kim sought to tie him to the industry through past donations to his prior campaigns for office.
In her victory speech, she said insurers “lined up” behind Allen, a characterization he rejected.
The attempt to tie Allen to the industry followed controversies surrounding Lara, who The Times reported last year took at least 32 international trips but consistently failed to disclose who paid for luxury hotels, airfare and fine dining, while soliciting charity donations from those with business before the agency.
Lara has denied any wrongdoing and has pointed to his Sustainable Insurance Strategy as the reason for the slowing of the FAIR Plan’s growth. The strategy provided insurers with concessions such as the right to charge policyholders for the reinsurance carriers must buy to protect themselves from catastrophes, such as the January 2025 wildfires.
Kim’s victory brought congratulations across the business and political spectrum.
Denni Ritter, vice president of state government relations for the American Property Casualty Insurance Assn., a leading trade association for home, auto and business insurers, said the group was “looking forward” to working with Kim, Becerra and lawmakers to resolve the state’s insurance issues.
“While recent reforms are beginning to stabilize the market, the insurance crisis is far from over, and a full recovery will take time. Protecting this progress is critical. Costly new mandates or regulatory actions that drive up costs or limit coverage options risk reversing this progress and worsening the crisis,” Ritter said in a statement.
The California Working Families Party, a grassroots progressive political organization that Kim served as founding director, said the “cozy relationship between the California Insurance Commissioner and the insurance industry is over. Jane’s bold proposals and plans for real accountability for insurers overcame a tsunami of special interest spending against her.”
Jane Kim, a progressive former San Francisco supervisor with no insurance experience, appears to have won the race to be California’s industry commissioner, topping veteran legislator Ben Allen, who represents the Pacific Palisades community devastated by the January 2025 wildfires.
Kim, 49, declared victory Friday in the contest to replace outgoing Insurance Commissioner Ricardo Lara, ahead of a final vote count. However, a narrow gap between the two Democratic candidates has widened since election day. She also topped June’s primary field.
“We pay into the system so that when the worst happens, we’re protected. Californians have kept our end of that bargain, but insurance companies have broken their side of the promise by denying, delaying and underpaying valid claims and dropping coverage. Voters made clear in this election that they want — and deserve — that promise restored,” she said in a statement that called the vote a “rejection of the status quo.”
Allen, 48, issued a statement noting that he had congratulated Kim earlier in the day and wished her well.
“Jane ran a strong race, and it appears that she has won,” he said. “Assuming that is the case, I desperately want her to succeed, because if she succeeds, the state succeeds, especially the families in need that we’ve been fighting for across the state.”
“I ran for this office because of what I saw after fires devastated my community and region. Families in the Palisades and Altadena who had paid their premiums for decades and did everything right and who are now struggling to get the help they need,” Allen added.
Election officials continue to tally the votes in the race, and no winner had been declared by the Associated Press as of Friday afternoon.
The down-ballot contest didn’t draw attention like the race for governor or Los Angeles mayor, even as Kim will take office amid a state home insurance crisis in which private carriers have raised rates and dropped hundreds of thousands of residential policyholders amid rising wildfire risks.
The January 2025 wildfires that devastated Altadena, Pacific Palisades and nearby communities exacerbated the problems, with widespread complaints that some insurers were illegally delaying, underpaying or denying claims — including from smoke-damaged homes . The situation prompted investigations by the department and Los Angeles County.
The commissioner oversees an office with 1,400 employees that regulates more than 1,700 home, auto, workers’ compensation and other insurers, as well as more than 510,000 agents, brokers, adjusters, bail agents and other business entities.
Kim, the daughter of Korean immigrants who attended Stanford and has a UC Berkeley law degree, entered the race with little statewide recognition but serious progressive bona fides.
During her time on the San Francisco board of supervisors from 2011 to 2019, she led campaigns to sharply raise the minimum wage and make the local community college tuition free. She also served as California political director for the 2020 presidential run of Bernie Sanders, the progressive independent senator from Vermont who stumped for her commissioner’s bid.
She was endorsed by the California Federation of Labor Unions, an affiliate of the AFL-CIO that represents more than 1,300 state labor unions, while Allen got the Democratic Party nod.
Kim built her campaign around a novel proposal to establish a state-run insurance pool largely funded by homeowners that would cover wildfire claims and invest in programs to reduce fire risks for homeowners and communities. Insurers would continue to cover other claims.
The plan responds to the growing number of homeowners who can’t find insurance and are forced into the California FAIR Plan, the state’s privately operated insurer of last resort, which typically offers more expensive and less broad coverage than the open market. Though the plan’s growth has slowed, as of Sept. 30 it insured 677,000 residential policyholders, up from 271,000 four years earlier.
Jane was criticized during the campaign by Allen and others for failing to provide details on how her so-called “single payer” system would work. In late October, she released a policy brief with more details, including how coverage would be capped at a replacement cost to fully rebuild the typical California home, with more expensive homes needing additional private wildfire insurance.
The novel plan would require buy-in from Gov.-elect Xavier Becerra, the Legislature and the industry.
Allen, who called the plan unworkable and too expensive, campaigned on a platform that called attention to his three Senate terms in the Legislature, where he authored bills that cracked down on insurers and offered consumers more protection. They included higher up-front payouts in fire losses without requiring itemization by policyholders during states of emergency, and requiring insurers to fix any deficiencies uncovered by department examinations.
Kim was outspent by Allen, who raised $3.7 million compared to Kim’s $1.5 million. He also was the recipient of $2.3 million of spending by independent political action committees on his behalf.
Although Allen said he would not take insurance industry money for the race, Kim sought to tie him to the industry through past donations to his prior campaigns for office.
In her victory speech, she said insurers “lined up” behind Allen, a characterization he rejected.
The attempt to tie Allen to the industry followed controversies surrounding Lara, who The Times reported last year took at least 32 international trips but consistently failed to disclose who paid for luxury hotels, airfare and fine dining, while soliciting charity donations from those with business before the agency.
Lara has denied any wrongdoing and has pointed to his Sustainable Insurance Strategy as the reason for the slowing of the FAIR Plan’s growth. The strategy provided insurers with concessions such as the right to charge policyholders for the reinsurance carriers must buy to protect themselves from catastrophes, such as the January 2025 wildfires.
Kim’s victory brought congratulations across the business and political spectrum.
Denni Ritter, vice president of state government relations for the American Property Casualty Insurance Assn., a leading trade association for home, auto and business insurers, said the group was “looking forward” to working with Kim, Becerra and lawmakers to resolve the state’s insurance issues.
“While recent reforms are beginning to stabilize the market, the insurance crisis is far from over, and a full recovery will take time. Protecting this progress is critical. Costly new mandates or regulatory actions that drive up costs or limit coverage options risk reversing this progress and worsening the crisis,” Ritter said in a statement.
The California Working Families Party, a grassroots progressive political organization that Kim served as founding director, said the “cozy relationship between the California Insurance Commissioner and the insurance industry is over. Jane’s bold proposals and plans for real accountability for insurers overcame a tsunami of special interest spending against her.”
Jane Kim, a progressive former San Francisco supervisor with no insurance experience, appears to have won the race to be California’s industry commissioner, topping veteran legislator Ben Allen, who represents the Pacific Palisades community devastated by the January 2025 wildfires.
Kim, 49, declared victory Friday in the contest to replace outgoing Insurance Commissioner Ricardo Lara, ahead of a final vote count. However, a narrow gap between the two Democratic candidates has widened since election day. She also topped June’s primary field.
“We pay into the system so that when the worst happens, we’re protected. Californians have kept our end of that bargain, but insurance companies have broken their side of the promise by denying, delaying and underpaying valid claims and dropping coverage. Voters made clear in this election that they want — and deserve — that promise restored,” she said in a statement that called the vote a “rejection of the status quo.”
Allen, 48, issued a statement noting that he had congratulated Kim earlier in the day and wished her well.
“Jane ran a strong race, and it appears that she has won,” he said. “Assuming that is the case, I desperately want her to succeed, because if she succeeds, the state succeeds, especially the families in need that we’ve been fighting for across the state.”
“I ran for this office because of what I saw after fires devastated my community and region. Families in the Palisades and Altadena who had paid their premiums for decades and did everything right and who are now struggling to get the help they need,” Allen added.
Election officials continue to tally the votes in the race, and no winner had been declared by the Associated Press as of Friday afternoon.
The down-ballot contest didn’t draw attention like the race for governor or Los Angeles mayor, even as Kim will take office amid a state home insurance crisis in which private carriers have raised rates and dropped hundreds of thousands of residential policyholders amid rising wildfire risks.
The January 2025 wildfires that devastated Altadena, Pacific Palisades and nearby communities exacerbated the problems, with widespread complaints that some insurers were illegally delaying, underpaying or denying claims — including from smoke-damaged homes . The situation prompted investigations by the department and Los Angeles County.
The commissioner oversees an office with 1,400 employees that regulates more than 1,700 home, auto, workers’ compensation and other insurers, as well as more than 510,000 agents, brokers, adjusters, bail agents and other business entities.
Kim, the daughter of Korean immigrants who attended Stanford and has a UC Berkeley law degree, entered the race with little statewide recognition but serious progressive bona fides.
During her time on the San Francisco board of supervisors from 2011 to 2019, she led campaigns to sharply raise the minimum wage and make the local community college tuition free. She also served as California political director for the 2020 presidential run of Bernie Sanders, the progressive independent senator from Vermont who stumped for her commissioner’s bid.
She was endorsed by the California Federation of Labor Unions, an affiliate of the AFL-CIO that represents more than 1,300 state labor unions, while Allen got the Democratic Party nod.
Kim built her campaign around a novel proposal to establish a state-run insurance pool largely funded by homeowners that would cover wildfire claims and invest in programs to reduce fire risks for homeowners and communities. Insurers would continue to cover other claims.
The plan responds to the growing number of homeowners who can’t find insurance and are forced into the California FAIR Plan, the state’s privately operated insurer of last resort, which typically offers more expensive and less broad coverage than the open market. Though the plan’s growth has slowed, as of Sept. 30 it insured 677,000 residential policyholders, up from 271,000 four years earlier.
Jane was criticized during the campaign by Allen and others for failing to provide details on how her so-called “single payer” system would work. In late October, she released a policy brief with more details, including how coverage would be capped at a replacement cost to fully rebuild the typical California home, with more expensive homes needing additional private wildfire insurance.
The novel plan would require buy-in from Gov.-elect Xavier Becerra, the Legislature and the industry.
Allen, who called the plan unworkable and too expensive, campaigned on a platform that called attention to his three Senate terms in the Legislature, where he authored bills that cracked down on insurers and offered consumers more protection. They included higher up-front payouts in fire losses without requiring itemization by policyholders during states of emergency, and requiring insurers to fix any deficiencies uncovered by department examinations.
Kim was outspent by Allen, who raised $3.7 million compared to Kim’s $1.5 million. He also was the recipient of $2.3 million of spending by independent political action committees on his behalf.
Although Allen said he would not take insurance industry money for the race, Kim sought to tie him to the industry through past donations to his prior campaigns for office.
In her victory speech, she said insurers “lined up” behind Allen, a characterization he rejected.
The attempt to tie Allen to the industry followed controversies surrounding Lara, who The Times reported last year took at least 32 international trips but consistently failed to disclose who paid for luxury hotels, airfare and fine dining, while soliciting charity donations from those with business before the agency.
Lara has denied any wrongdoing and has pointed to his Sustainable Insurance Strategy as the reason for the slowing of the FAIR Plan’s growth. The strategy provided insurers with concessions such as the right to charge policyholders for the reinsurance carriers must buy to protect themselves from catastrophes, such as the January 2025 wildfires.
Kim’s victory brought congratulations across the business and political spectrum.
Denni Ritter, vice president of state government relations for the American Property Casualty Insurance Assn., a leading trade association for home, auto and business insurers, said the group was “looking forward” to working with Kim, Becerra and lawmakers to resolve the state’s insurance issues.
“While recent reforms are beginning to stabilize the market, the insurance crisis is far from over, and a full recovery will take time. Protecting this progress is critical. Costly new mandates or regulatory actions that drive up costs or limit coverage options risk reversing this progress and worsening the crisis,” Ritter said in a statement.
The California Working Families Party, a grassroots progressive political organization that Kim served as founding director, said the “cozy relationship between the California Insurance Commissioner and the insurance industry is over. Jane’s bold proposals and plans for real accountability for insurers overcame a tsunami of special interest spending against her.”
Jane Kim, a progressive former San Francisco supervisor with no insurance experience, appears to have won the race to be California’s industry commissioner, topping veteran legislator Ben Allen, who represents the Pacific Palisades community devastated by the January 2025 wildfires.
Kim, 49, declared victory Friday in the contest to replace outgoing Insurance Commissioner Ricardo Lara, ahead of a final vote count. However, a narrow gap between the two Democratic candidates has widened since election day. She also topped June’s primary field.
“We pay into the system so that when the worst happens, we’re protected. Californians have kept our end of that bargain, but insurance companies have broken their side of the promise by denying, delaying and underpaying valid claims and dropping coverage. Voters made clear in this election that they want — and deserve — that promise restored,” she said in a statement that called the vote a “rejection of the status quo.”
Allen, 48, issued a statement noting that he had congratulated Kim earlier in the day and wished her well.
“Jane ran a strong race, and it appears that she has won,” he said. “Assuming that is the case, I desperately want her to succeed, because if she succeeds, the state succeeds, especially the families in need that we’ve been fighting for across the state.”
“I ran for this office because of what I saw after fires devastated my community and region. Families in the Palisades and Altadena who had paid their premiums for decades and did everything right and who are now struggling to get the help they need,” Allen added.
Election officials continue to tally the votes in the race, and no winner had been declared by the Associated Press as of Friday afternoon.
The down-ballot contest didn’t draw attention like the race for governor or Los Angeles mayor, even as Kim will take office amid a state home insurance crisis in which private carriers have raised rates and dropped hundreds of thousands of residential policyholders amid rising wildfire risks.
The January 2025 wildfires that devastated Altadena, Pacific Palisades and nearby communities exacerbated the problems, with widespread complaints that some insurers were illegally delaying, underpaying or denying claims — including from smoke-damaged homes . The situation prompted investigations by the department and Los Angeles County.
The commissioner oversees an office with 1,400 employees that regulates more than 1,700 home, auto, workers’ compensation and other insurers, as well as more than 510,000 agents, brokers, adjusters, bail agents and other business entities.
Kim, the daughter of Korean immigrants who attended Stanford and has a UC Berkeley law degree, entered the race with little statewide recognition but serious progressive bona fides.
During her time on the San Francisco board of supervisors from 2011 to 2019, she led campaigns to sharply raise the minimum wage and make the local community college tuition free. She also served as California political director for the 2020 presidential run of Bernie Sanders, the progressive independent senator from Vermont who stumped for her commissioner’s bid.
She was endorsed by the California Federation of Labor Unions, an affiliate of the AFL-CIO that represents more than 1,300 state labor unions, while Allen got the Democratic Party nod.
Kim built her campaign around a novel proposal to establish a state-run insurance pool largely funded by homeowners that would cover wildfire claims and invest in programs to reduce fire risks for homeowners and communities. Insurers would continue to cover other claims.
The plan responds to the growing number of homeowners who can’t find insurance and are forced into the California FAIR Plan, the state’s privately operated insurer of last resort, which typically offers more expensive and less broad coverage than the open market. Though the plan’s growth has slowed, as of Sept. 30 it insured 677,000 residential policyholders, up from 271,000 four years earlier.
Jane was criticized during the campaign by Allen and others for failing to provide details on how her so-called “single payer” system would work. In late October, she released a policy brief with more details, including how coverage would be capped at a replacement cost to fully rebuild the typical California home, with more expensive homes needing additional private wildfire insurance.
The novel plan would require buy-in from Gov.-elect Xavier Becerra, the Legislature and the industry.
Allen, who called the plan unworkable and too expensive, campaigned on a platform that called attention to his three Senate terms in the Legislature, where he authored bills that cracked down on insurers and offered consumers more protection. They included higher up-front payouts in fire losses without requiring itemization by policyholders during states of emergency, and requiring insurers to fix any deficiencies uncovered by department examinations.
Kim was outspent by Allen, who raised $3.7 million compared to Kim’s $1.5 million. He also was the recipient of $2.3 million of spending by independent political action committees on his behalf.
Although Allen said he would not take insurance industry money for the race, Kim sought to tie him to the industry through past donations to his prior campaigns for office.
In her victory speech, she said insurers “lined up” behind Allen, a characterization he rejected.
The attempt to tie Allen to the industry followed controversies surrounding Lara, who The Times reported last year took at least 32 international trips but consistently failed to disclose who paid for luxury hotels, airfare and fine dining, while soliciting charity donations from those with business before the agency.
Lara has denied any wrongdoing and has pointed to his Sustainable Insurance Strategy as the reason for the slowing of the FAIR Plan’s growth. The strategy provided insurers with concessions such as the right to charge policyholders for the reinsurance carriers must buy to protect themselves from catastrophes, such as the January 2025 wildfires.
Kim’s victory brought congratulations across the business and political spectrum.
Denni Ritter, vice president of state government relations for the American Property Casualty Insurance Assn., a leading trade association for home, auto and business insurers, said the group was “looking forward” to working with Kim, Becerra and lawmakers to resolve the state’s insurance issues.
“While recent reforms are beginning to stabilize the market, the insurance crisis is far from over, and a full recovery will take time. Protecting this progress is critical. Costly new mandates or regulatory actions that drive up costs or limit coverage options risk reversing this progress and worsening the crisis,” Ritter said in a statement.
The California Working Families Party, a grassroots progressive political organization that Kim served as founding director, said the “cozy relationship between the California Insurance Commissioner and the insurance industry is over. Jane’s bold proposals and plans for real accountability for insurers overcame a tsunami of special interest spending against her.”
Jane Kim, a progressive former San Francisco supervisor with no insurance experience, appears to have won the race to be California’s industry commissioner, topping veteran legislator Ben Allen, who represents the Pacific Palisades community devastated by the January 2025 wildfires.
Kim, 49, declared victory Friday in the contest to replace outgoing Insurance Commissioner Ricardo Lara, ahead of a final vote count. However, a narrow gap between the two Democratic candidates has widened since election day. She also topped June’s primary field.
“We pay into the system so that when the worst happens, we’re protected. Californians have kept our end of that bargain, but insurance companies have broken their side of the promise by denying, delaying and underpaying valid claims and dropping coverage. Voters made clear in this election that they want — and deserve — that promise restored,” she said in a statement that called the vote a “rejection of the status quo.”
Allen, 48, issued a statement noting that he had congratulated Kim earlier in the day and wished her well.
“Jane ran a strong race, and it appears that she has won,” he said. “Assuming that is the case, I desperately want her to succeed, because if she succeeds, the state succeeds, especially the families in need that we’ve been fighting for across the state.”
“I ran for this office because of what I saw after fires devastated my community and region. Families in the Palisades and Altadena who had paid their premiums for decades and did everything right and who are now struggling to get the help they need,” Allen added.
Election officials continue to tally the votes in the race, and no winner had been declared by the Associated Press as of Friday afternoon.
The down-ballot contest didn’t draw attention like the race for governor or Los Angeles mayor, even as Kim will take office amid a state home insurance crisis in which private carriers have raised rates and dropped hundreds of thousands of residential policyholders amid rising wildfire risks.
The January 2025 wildfires that devastated Altadena, Pacific Palisades and nearby communities exacerbated the problems, with widespread complaints that some insurers were illegally delaying, underpaying or denying claims — including from smoke-damaged homes . The situation prompted investigations by the department and Los Angeles County.
The commissioner oversees an office with 1,400 employees that regulates more than 1,700 home, auto, workers’ compensation and other insurers, as well as more than 510,000 agents, brokers, adjusters, bail agents and other business entities.
Kim, the daughter of Korean immigrants who attended Stanford and has a UC Berkeley law degree, entered the race with little statewide recognition but serious progressive bona fides.
During her time on the San Francisco board of supervisors from 2011 to 2019, she led campaigns to sharply raise the minimum wage and make the local community college tuition free. She also served as California political director for the 2020 presidential run of Bernie Sanders, the progressive independent senator from Vermont who stumped for her commissioner’s bid.
She was endorsed by the California Federation of Labor Unions, an affiliate of the AFL-CIO that represents more than 1,300 state labor unions, while Allen got the Democratic Party nod.
Kim built her campaign around a novel proposal to establish a state-run insurance pool largely funded by homeowners that would cover wildfire claims and invest in programs to reduce fire risks for homeowners and communities. Insurers would continue to cover other claims.
The plan responds to the growing number of homeowners who can’t find insurance and are forced into the California FAIR Plan, the state’s privately operated insurer of last resort, which typically offers more expensive and less broad coverage than the open market. Though the plan’s growth has slowed, as of Sept. 30 it insured 677,000 residential policyholders, up from 271,000 four years earlier.
Jane was criticized during the campaign by Allen and others for failing to provide details on how her so-called “single payer” system would work. In late October, she released a policy brief with more details, including how coverage would be capped at a replacement cost to fully rebuild the typical California home, with more expensive homes needing additional private wildfire insurance.
The novel plan would require buy-in from Gov.-elect Xavier Becerra, the Legislature and the industry.
Allen, who called the plan unworkable and too expensive, campaigned on a platform that called attention to his three Senate terms in the Legislature, where he authored bills that cracked down on insurers and offered consumers more protection. They included higher up-front payouts in fire losses without requiring itemization by policyholders during states of emergency, and requiring insurers to fix any deficiencies uncovered by department examinations.
Kim was outspent by Allen, who raised $3.7 million compared to Kim’s $1.5 million. He also was the recipient of $2.3 million of spending by independent political action committees on his behalf.
Although Allen said he would not take insurance industry money for the race, Kim sought to tie him to the industry through past donations to his prior campaigns for office.
In her victory speech, she said insurers “lined up” behind Allen, a characterization he rejected.
The attempt to tie Allen to the industry followed controversies surrounding Lara, who The Times reported last year took at least 32 international trips but consistently failed to disclose who paid for luxury hotels, airfare and fine dining, while soliciting charity donations from those with business before the agency.
Lara has denied any wrongdoing and has pointed to his Sustainable Insurance Strategy as the reason for the slowing of the FAIR Plan’s growth. The strategy provided insurers with concessions such as the right to charge policyholders for the reinsurance carriers must buy to protect themselves from catastrophes, such as the January 2025 wildfires.
Kim’s victory brought congratulations across the business and political spectrum.
Denni Ritter, vice president of state government relations for the American Property Casualty Insurance Assn., a leading trade association for home, auto and business insurers, said the group was “looking forward” to working with Kim, Becerra and lawmakers to resolve the state’s insurance issues.
“While recent reforms are beginning to stabilize the market, the insurance crisis is far from over, and a full recovery will take time. Protecting this progress is critical. Costly new mandates or regulatory actions that drive up costs or limit coverage options risk reversing this progress and worsening the crisis,” Ritter said in a statement.
The California Working Families Party, a grassroots progressive political organization that Kim served as founding director, said the “cozy relationship between the California Insurance Commissioner and the insurance industry is over. Jane’s bold proposals and plans for real accountability for insurers overcame a tsunami of special interest spending against her.”
Jane Kim, a progressive former San Francisco supervisor with no insurance experience, appears to have won the race to be California’s industry commissioner, topping veteran legislator Ben Allen, who represents the Pacific Palisades community devastated by the January 2025 wildfires.
Kim, 49, declared victory Friday in the contest to replace outgoing Insurance Commissioner Ricardo Lara, ahead of a final vote count. However, a narrow gap between the two Democratic candidates has widened since election day. She also topped June’s primary field.
“We pay into the system so that when the worst happens, we’re protected. Californians have kept our end of that bargain, but insurance companies have broken their side of the promise by denying, delaying and underpaying valid claims and dropping coverage. Voters made clear in this election that they want — and deserve — that promise restored,” she said in a statement that called the vote a “rejection of the status quo.”
Allen, 48, issued a statement noting that he had congratulated Kim earlier in the day and wished her well.
“Jane ran a strong race, and it appears that she has won,” he said. “Assuming that is the case, I desperately want her to succeed, because if she succeeds, the state succeeds, especially the families in need that we’ve been fighting for across the state.”
“I ran for this office because of what I saw after fires devastated my community and region. Families in the Palisades and Altadena who had paid their premiums for decades and did everything right and who are now struggling to get the help they need,” Allen added.
Election officials continue to tally the votes in the race, and no winner had been declared by the Associated Press as of Friday afternoon.
The down-ballot contest didn’t draw attention like the race for governor or Los Angeles mayor, even as Kim will take office amid a state home insurance crisis in which private carriers have raised rates and dropped hundreds of thousands of residential policyholders amid rising wildfire risks.
The January 2025 wildfires that devastated Altadena, Pacific Palisades and nearby communities exacerbated the problems, with widespread complaints that some insurers were illegally delaying, underpaying or denying claims — including from smoke-damaged homes . The situation prompted investigations by the department and Los Angeles County.
The commissioner oversees an office with 1,400 employees that regulates more than 1,700 home, auto, workers’ compensation and other insurers, as well as more than 510,000 agents, brokers, adjusters, bail agents and other business entities.
Kim, the daughter of Korean immigrants who attended Stanford and has a UC Berkeley law degree, entered the race with little statewide recognition but serious progressive bona fides.
During her time on the San Francisco board of supervisors from 2011 to 2019, she led campaigns to sharply raise the minimum wage and make the local community college tuition free. She also served as California political director for the 2020 presidential run of Bernie Sanders, the progressive independent senator from Vermont who stumped for her commissioner’s bid.
She was endorsed by the California Federation of Labor Unions, an affiliate of the AFL-CIO that represents more than 1,300 state labor unions, while Allen got the Democratic Party nod.
Kim built her campaign around a novel proposal to establish a state-run insurance pool largely funded by homeowners that would cover wildfire claims and invest in programs to reduce fire risks for homeowners and communities. Insurers would continue to cover other claims.
The plan responds to the growing number of homeowners who can’t find insurance and are forced into the California FAIR Plan, the state’s privately operated insurer of last resort, which typically offers more expensive and less broad coverage than the open market. Though the plan’s growth has slowed, as of Sept. 30 it insured 677,000 residential policyholders, up from 271,000 four years earlier.
Jane was criticized during the campaign by Allen and others for failing to provide details on how her so-called “single payer” system would work. In late October, she released a policy brief with more details, including how coverage would be capped at a replacement cost to fully rebuild the typical California home, with more expensive homes needing additional private wildfire insurance.
The novel plan would require buy-in from Gov.-elect Xavier Becerra, the Legislature and the industry.
Allen, who called the plan unworkable and too expensive, campaigned on a platform that called attention to his three Senate terms in the Legislature, where he authored bills that cracked down on insurers and offered consumers more protection. They included higher up-front payouts in fire losses without requiring itemization by policyholders during states of emergency, and requiring insurers to fix any deficiencies uncovered by department examinations.
Kim was outspent by Allen, who raised $3.7 million compared to Kim’s $1.5 million. He also was the recipient of $2.3 million of spending by independent political action committees on his behalf.
Although Allen said he would not take insurance industry money for the race, Kim sought to tie him to the industry through past donations to his prior campaigns for office.
In her victory speech, she said insurers “lined up” behind Allen, a characterization he rejected.
The attempt to tie Allen to the industry followed controversies surrounding Lara, who The Times reported last year took at least 32 international trips but consistently failed to disclose who paid for luxury hotels, airfare and fine dining, while soliciting charity donations from those with business before the agency.
Lara has denied any wrongdoing and has pointed to his Sustainable Insurance Strategy as the reason for the slowing of the FAIR Plan’s growth. The strategy provided insurers with concessions such as the right to charge policyholders for the reinsurance carriers must buy to protect themselves from catastrophes, such as the January 2025 wildfires.
Kim’s victory brought congratulations across the business and political spectrum.
Denni Ritter, vice president of state government relations for the American Property Casualty Insurance Assn., a leading trade association for home, auto and business insurers, said the group was “looking forward” to working with Kim, Becerra and lawmakers to resolve the state’s insurance issues.
“While recent reforms are beginning to stabilize the market, the insurance crisis is far from over, and a full recovery will take time. Protecting this progress is critical. Costly new mandates or regulatory actions that drive up costs or limit coverage options risk reversing this progress and worsening the crisis,” Ritter said in a statement.
The California Working Families Party, a grassroots progressive political organization that Kim served as founding director, said the “cozy relationship between the California Insurance Commissioner and the insurance industry is over. Jane’s bold proposals and plans for real accountability for insurers overcame a tsunami of special interest spending against her.”
Jane Kim, a progressive former San Francisco supervisor with no insurance experience, appears to have won the race to be California’s industry commissioner, topping veteran legislator Ben Allen, who represents the Pacific Palisades community devastated by the January 2025 wildfires.
Kim, 49, declared victory Friday in the contest to replace outgoing Insurance Commissioner Ricardo Lara, ahead of a final vote count. However, a narrow gap between the two Democratic candidates has widened since election day. She also topped June’s primary field.
“We pay into the system so that when the worst happens, we’re protected. Californians have kept our end of that bargain, but insurance companies have broken their side of the promise by denying, delaying and underpaying valid claims and dropping coverage. Voters made clear in this election that they want — and deserve — that promise restored,” she said in a statement that called the vote a “rejection of the status quo.”
Allen, 48, issued a statement noting that he had congratulated Kim earlier in the day and wished her well.
“Jane ran a strong race, and it appears that she has won,” he said. “Assuming that is the case, I desperately want her to succeed, because if she succeeds, the state succeeds, especially the families in need that we’ve been fighting for across the state.”
“I ran for this office because of what I saw after fires devastated my community and region. Families in the Palisades and Altadena who had paid their premiums for decades and did everything right and who are now struggling to get the help they need,” Allen added.
Election officials continue to tally the votes in the race, and no winner had been declared by the Associated Press as of Friday afternoon.
The down-ballot contest didn’t draw attention like the race for governor or Los Angeles mayor, even as Kim will take office amid a state home insurance crisis in which private carriers have raised rates and dropped hundreds of thousands of residential policyholders amid rising wildfire risks.
The January 2025 wildfires that devastated Altadena, Pacific Palisades and nearby communities exacerbated the problems, with widespread complaints that some insurers were illegally delaying, underpaying or denying claims — including from smoke-damaged homes . The situation prompted investigations by the department and Los Angeles County.
The commissioner oversees an office with 1,400 employees that regulates more than 1,700 home, auto, workers’ compensation and other insurers, as well as more than 510,000 agents, brokers, adjusters, bail agents and other business entities.
Kim, the daughter of Korean immigrants who attended Stanford and has a UC Berkeley law degree, entered the race with little statewide recognition but serious progressive bona fides.
During her time on the San Francisco board of supervisors from 2011 to 2019, she led campaigns to sharply raise the minimum wage and make the local community college tuition free. She also served as California political director for the 2020 presidential run of Bernie Sanders, the progressive independent senator from Vermont who stumped for her commissioner’s bid.
She was endorsed by the California Federation of Labor Unions, an affiliate of the AFL-CIO that represents more than 1,300 state labor unions, while Allen got the Democratic Party nod.
Kim built her campaign around a novel proposal to establish a state-run insurance pool largely funded by homeowners that would cover wildfire claims and invest in programs to reduce fire risks for homeowners and communities. Insurers would continue to cover other claims.
The plan responds to the growing number of homeowners who can’t find insurance and are forced into the California FAIR Plan, the state’s privately operated insurer of last resort, which typically offers more expensive and less broad coverage than the open market. Though the plan’s growth has slowed, as of Sept. 30 it insured 677,000 residential policyholders, up from 271,000 four years earlier.
Jane was criticized during the campaign by Allen and others for failing to provide details on how her so-called “single payer” system would work. In late October, she released a policy brief with more details, including how coverage would be capped at a replacement cost to fully rebuild the typical California home, with more expensive homes needing additional private wildfire insurance.
The novel plan would require buy-in from Gov.-elect Xavier Becerra, the Legislature and the industry.
Allen, who called the plan unworkable and too expensive, campaigned on a platform that called attention to his three Senate terms in the Legislature, where he authored bills that cracked down on insurers and offered consumers more protection. They included higher up-front payouts in fire losses without requiring itemization by policyholders during states of emergency, and requiring insurers to fix any deficiencies uncovered by department examinations.
Kim was outspent by Allen, who raised $3.7 million compared to Kim’s $1.5 million. He also was the recipient of $2.3 million of spending by independent political action committees on his behalf.
Although Allen said he would not take insurance industry money for the race, Kim sought to tie him to the industry through past donations to his prior campaigns for office.
In her victory speech, she said insurers “lined up” behind Allen, a characterization he rejected.
The attempt to tie Allen to the industry followed controversies surrounding Lara, who The Times reported last year took at least 32 international trips but consistently failed to disclose who paid for luxury hotels, airfare and fine dining, while soliciting charity donations from those with business before the agency.
Lara has denied any wrongdoing and has pointed to his Sustainable Insurance Strategy as the reason for the slowing of the FAIR Plan’s growth. The strategy provided insurers with concessions such as the right to charge policyholders for the reinsurance carriers must buy to protect themselves from catastrophes, such as the January 2025 wildfires.
Kim’s victory brought congratulations across the business and political spectrum.
Denni Ritter, vice president of state government relations for the American Property Casualty Insurance Assn., a leading trade association for home, auto and business insurers, said the group was “looking forward” to working with Kim, Becerra and lawmakers to resolve the state’s insurance issues.
“While recent reforms are beginning to stabilize the market, the insurance crisis is far from over, and a full recovery will take time. Protecting this progress is critical. Costly new mandates or regulatory actions that drive up costs or limit coverage options risk reversing this progress and worsening the crisis,” Ritter said in a statement.
The California Working Families Party, a grassroots progressive political organization that Kim served as founding director, said the “cozy relationship between the California Insurance Commissioner and the insurance industry is over. Jane’s bold proposals and plans for real accountability for insurers overcame a tsunami of special interest spending against her.”
Jane Kim, a progressive former San Francisco supervisor with no insurance experience, appears to have won the race to be California’s industry commissioner, topping veteran legislator Ben Allen, who represents the Pacific Palisades community devastated by the January 2025 wildfires.
Kim, 49, declared victory Friday in the contest to replace outgoing Insurance Commissioner Ricardo Lara, ahead of a final vote count. However, a narrow gap between the two Democratic candidates has widened since election day. She also topped June’s primary field.
“We pay into the system so that when the worst happens, we’re protected. Californians have kept our end of that bargain, but insurance companies have broken their side of the promise by denying, delaying and underpaying valid claims and dropping coverage. Voters made clear in this election that they want — and deserve — that promise restored,” she said in a statement that called the vote a “rejection of the status quo.”
Allen, 48, issued a statement noting that he had congratulated Kim earlier in the day and wished her well.
“Jane ran a strong race, and it appears that she has won,” he said. “Assuming that is the case, I desperately want her to succeed, because if she succeeds, the state succeeds, especially the families in need that we’ve been fighting for across the state.”
“I ran for this office because of what I saw after fires devastated my community and region. Families in the Palisades and Altadena who had paid their premiums for decades and did everything right and who are now struggling to get the help they need,” Allen added.
Election officials continue to tally the votes in the race, and no winner had been declared by the Associated Press as of Friday afternoon.
The down-ballot contest didn’t draw attention like the race for governor or Los Angeles mayor, even as Kim will take office amid a state home insurance crisis in which private carriers have raised rates and dropped hundreds of thousands of residential policyholders amid rising wildfire risks.
The January 2025 wildfires that devastated Altadena, Pacific Palisades and nearby communities exacerbated the problems, with widespread complaints that some insurers were illegally delaying, underpaying or denying claims — including from smoke-damaged homes . The situation prompted investigations by the department and Los Angeles County.
The commissioner oversees an office with 1,400 employees that regulates more than 1,700 home, auto, workers’ compensation and other insurers, as well as more than 510,000 agents, brokers, adjusters, bail agents and other business entities.
Kim, the daughter of Korean immigrants who attended Stanford and has a UC Berkeley law degree, entered the race with little statewide recognition but serious progressive bona fides.
During her time on the San Francisco board of supervisors from 2011 to 2019, she led campaigns to sharply raise the minimum wage and make the local community college tuition free. She also served as California political director for the 2020 presidential run of Bernie Sanders, the progressive independent senator from Vermont who stumped for her commissioner’s bid.
She was endorsed by the California Federation of Labor Unions, an affiliate of the AFL-CIO that represents more than 1,300 state labor unions, while Allen got the Democratic Party nod.
Kim built her campaign around a novel proposal to establish a state-run insurance pool largely funded by homeowners that would cover wildfire claims and invest in programs to reduce fire risks for homeowners and communities. Insurers would continue to cover other claims.
The plan responds to the growing number of homeowners who can’t find insurance and are forced into the California FAIR Plan, the state’s privately operated insurer of last resort, which typically offers more expensive and less broad coverage than the open market. Though the plan’s growth has slowed, as of Sept. 30 it insured 677,000 residential policyholders, up from 271,000 four years earlier.
Jane was criticized during the campaign by Allen and others for failing to provide details on how her so-called “single payer” system would work. In late October, she released a policy brief with more details, including how coverage would be capped at a replacement cost to fully rebuild the typical California home, with more expensive homes needing additional private wildfire insurance.
The novel plan would require buy-in from Gov.-elect Xavier Becerra, the Legislature and the industry.
Allen, who called the plan unworkable and too expensive, campaigned on a platform that called attention to his three Senate terms in the Legislature, where he authored bills that cracked down on insurers and offered consumers more protection. They included higher up-front payouts in fire losses without requiring itemization by policyholders during states of emergency, and requiring insurers to fix any deficiencies uncovered by department examinations.
Kim was outspent by Allen, who raised $3.7 million compared to Kim’s $1.5 million. He also was the recipient of $2.3 million of spending by independent political action committees on his behalf.
Although Allen said he would not take insurance industry money for the race, Kim sought to tie him to the industry through past donations to his prior campaigns for office.
In her victory speech, she said insurers “lined up” behind Allen, a characterization he rejected.
The attempt to tie Allen to the industry followed controversies surrounding Lara, who The Times reported last year took at least 32 international trips but consistently failed to disclose who paid for luxury hotels, airfare and fine dining, while soliciting charity donations from those with business before the agency.
Lara has denied any wrongdoing and has pointed to his Sustainable Insurance Strategy as the reason for the slowing of the FAIR Plan’s growth. The strategy provided insurers with concessions such as the right to charge policyholders for the reinsurance carriers must buy to protect themselves from catastrophes, such as the January 2025 wildfires.
Kim’s victory brought congratulations across the business and political spectrum.
Denni Ritter, vice president of state government relations for the American Property Casualty Insurance Assn., a leading trade association for home, auto and business insurers, said the group was “looking forward” to working with Kim, Becerra and lawmakers to resolve the state’s insurance issues.
“While recent reforms are beginning to stabilize the market, the insurance crisis is far from over, and a full recovery will take time. Protecting this progress is critical. Costly new mandates or regulatory actions that drive up costs or limit coverage options risk reversing this progress and worsening the crisis,” Ritter said in a statement.
The California Working Families Party, a grassroots progressive political organization that Kim served as founding director, said the “cozy relationship between the California Insurance Commissioner and the insurance industry is over. Jane’s bold proposals and plans for real accountability for insurers overcame a tsunami of special interest spending against her.”
