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State Farm posted a $1.5B underwriting profit in 2025 — then raised your rates. Here's what's actually going on. 👇 Here's the version of the California insurance crisis you probably haven't heard. The industry narrative is straightforward: California's regulatory environment — specifically Prop 103, which requires state approval before rate changes take effect — made it impossible to price risk honestly. Wildfires got worse. Premiums couldn't keep up. Insurers left to protect their solvency. Pa
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What is an underwriter and what does an underwriter do exactly? 👇 Underwriting is the process of accepting liability for loss or damages in exchange for payment of premium by the policyholder(s) The term underwriting goes waaaaay back before we had technology to make our lives easier. The risk-taker would physically sign or “underwrite” a contract that would indicate the amount of liability they would be willing to take on in exchange for payment from the policyholder. The practice traces its o
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