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Among many issues, Allen has made his mark as a national leader on climate and environmental policy:&nbsp;

Among many issues, Allen has made his mark as a national leader on climate and environmental policy:&nbsp;

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<h3>What does the Insurance Commissioner do?</h3>

<h3>Mitigating the Rising Costs of Homeowners Insurance</h3>

<h3>2025 Year in Review</h3>A year of resilience &amp; community.

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Ben Allen for Insurance Commissioner

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<h2 style="text-align: center">Allen is a proven advocate for strengthening transparency and strengthening democracy.</h2><h4>He authored the Voter’s Choice Act, which modernized elections and expanded access to the ballot and championed the Disclose Act and other reforms that shine a light on political spending.&nbsp;</h4>He has consistently scored tops in the Legislature in the California Clean Money Campaign’s reports for his commitment to transparency and political reform.&nbsp;&nbsp;<img src="https://run.imgix.net/8cf510ae-d418-4cf8-a40f-70c5d55a9f22/63434262-22f8-41d8-bf9e-976f5e7151c5/63434262-22f8-41d8-bf9e-976f5e7151c5.jpeg?ixlib=js-3.8.0&amp;bri=0&amp;con=0&amp;sat=0&amp;high=0&amp;shad=0&amp;usm=0&amp;rect=86%2C0%2C940%2C720&amp;w=1500" alt="" caption="" align="left" alignwidth="42.5" variant="framed"><h4>Allen is also an accomplished leader for public education, arts, culture, and science, having served both as Chairman of the Senate Education Committee and the Joint Committee on the Arts.&nbsp;</h4>He’s currently on the California Film Commission, and was the Senate lead on the successful recent effort to dramatically expand and extend the state’s Film &amp; TV Tax Credit and stem the impacts of runaway production on the state’s economy.&nbsp;Before joining the Senate, Ben served as President of the Santa Monica-Malibu Unified School District Board of Education and lecturer at UCLA Law School. He and his wife, Melanie, an attorney, live in Santa Monica with their two young children.

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Ten years into a distinguished career in the California State Senate, January 2025 marked a turning point in Ben Allen’s career. When fire tore through his community, Ben stepped up to lead in a moment of crisis to help support thousands of families who faced the devastating loss of their homes and memories.&nbsp;He worked to bring state and federal leaders together to help with resident assistance, secure funding to rebuild critical landmarks like Will Rogers State Historic Park and to help families piece their lives back together.&nbsp;Ben wrote legislation to assist mobile home park residents who lost everything, provide tax assistance for fire victims, and give greater help to victims trying to maximize contents coverage from their insurers. He has supported efforts to establish home hardening standards to help residents better protect their homes from future fires and reduce liabilities for the insurance market.&nbsp;Ben has a long track record of negotiating difficult legislation in the State Capitol on complicated and important topics.&nbsp;As wildfires and other natural disasters grow more severe due to a changing climate, this is a moment that demands bold, effective leadership. That’s what is driving Ben to run for California State Insurance Commissioner: to continue his lifelong commitment to fighting for the public good — protecting consumers, safeguarding the environment, and making government more transparent and accountable to the people it serves.

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California's insurance crisis threatens the financial security of millions of families across our state. As wildfires and climate disasters intensify, insurers are pulling out of communities and leaving homeowners stranded on the overburdened FAIR Plan — driving up costs for everyone. I wrote Proposition 4 to begin addressing this emergency, but we need comprehensive reform led by the Insurance Commissioner that balances consumer protection with market stability, modernizes our outdated systems, and invests in community-scale solutions that reduce risk and bring insurers back. My plan will restore a competitive insurance market, ensure Californians are treated fairly after disasters, and build resilient communities that can withstand the climate challenges ahead.

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Since his first election to the State Senate in 2014, Ben has become an effective leader in the Legislature, leading critical committees and spearheading nearly dozens of new laws across a wide range of issues.&nbsp;

<h2 style="text-align: center">Since his first election to the State Senate in 2014, Ben has become an effective leader in the Legislature, leading critical committees and spearheading dozens of new laws across a wide range of issues.&nbsp;</h2>

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FOR IMMEDIATE RELEASE: Monday, March 23, 2026Contact: <a href="mailto:info@benallenca.com">info@benallenca.com</a>&nbsp;<h4>U.S. Senator Alex Padilla Endorses Ben Allen For California Insurance Commissioner</h4>LOS ANGELES — U.S. Senator Alex Padilla today announced his endorsement of State Senator Ben Allen’s (D-Santa Monica) campaign for California Insurance Commissioner – citing his long track record of solving tough challenges and supporting families after last year’s devastating wildfires in Los Angeles County.“Ben Allen is the kind of leader who shows up when the smoke is thick and stays until the hard work of recovery is done. I’ve seen his grit and intellect in action, working with him to defend Californians’ right to vote and support families displaced by the Eaton and Palisades Fires,” said Senator Padilla. “Ben is a bold and thoughtful public servant with a proven track record of turning complex problems into progressive solutions, which is why I believe he is the best person to lead California through the challenges facing our insurance system.”Senator Padilla joins his colleague, U.S. Senator Adam Schiff, as supporters of Allen’s campaign – alongside Senate President Pro Tem Monique Limon, Assembly Speaker Robert Rivas, and a strong majority of Allen's Democratic legislative colleagues. He’s also earned the support of organizations like California Environmental Voters, California Professional Firefighters, and the California Federation of Teachers. &nbsp;ABOUT BEN ALLENAllen is a longtime environmental policy leader – one of the most respected, according to Politico and CalMatters – and was the <a href="https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202320240SB867" target="_blank" rel="noopener noreferrer">lead author of the climate bond</a> <a href="https://ballotpedia.org/California_Proposition_4,_Parks,_Environment,_Energy,_and_Water_Bond_Measure_(2024)" target="_blank" rel="noopener noreferrer">passed by voters in November 2024</a> that provided the first tranche of fire mitigation funds for brush clearance and other efforts right after the fires.The Palisades Fire in January was a defining moment for Allen and his career in public service. The fire erupted off a trail he knew well, within sight of where he grew up and where he’s raising his family, and devastated communities he has represented for more than a decade in the State Senate.&nbsp;Allen immediately got to work on efforts to assist with the initial governmental response – bringing state and federal leaders together to help with resident assistance, securing funding to rebuild critical local infrastructure and landmarks, and helping families piece their lives back together.Allen wrote legislation to <a href="https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB610" target="_blank" rel="noopener noreferrer">assist mobile home park residents</a> who lost everything, <a href="https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB663" target="_blank" rel="noopener noreferrer">provide tax assistance for fire victims</a>, and give greater help to victims trying to <a href="https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB495" target="_blank" rel="noopener noreferrer">maximize contents coverage from their insurers</a>. He has supported efforts to establish home hardening standards to help residents better protect their homes from future fires and reduce liabilities for the insurance market. Needless to say, the experience has given him a clear-eyed look into the challenges and limitations of our current insurance system.Allen is no stranger to tackling complex public policy challenges. In the Legislature, he has earned a reputation for solving difficult problems – from negotiating one of <a href="https://www.nytimes.com/2022/07/01/climate/california-plastics-recycling-law.html" target="_blank" rel="noopener noreferrer">the nation’s most ambitious plastic waste reduction laws</a> to brokering a bipartisan deal to reduce the environmental impact of off-highway vehicles that the <a href="https://www.sacbee.com/opinion/editorials/article173558766.html#:~:text=Sen.%20Ben%20Allen%2C%20D%2DSanta%20Monica%2C%20brokered%20a%20deal%20that%20won%20near%20unanimous%20support%20to%20allow%20off%2Droad%20aficionados%20to%20continue%20to%20pursue%20their%20hobby%20in%20California.%20If%20only%20Congress%20could%20work%20out%20such%20compromises." target="_blank" rel="noopener noreferrer">Sacramento Bee editorial board praised by refraining, “If only Congress could work out such compromises.”</a>Throughout his career, Allen’s north star has always been clear: put the public interest first. He has authored laws to improve campaign finance transparency, strengthen voter access, protect coastal waters, and expand access to the arts in schools. Most recently, he successfully spearheaded the legislative passage of what is probably the most significant pro-car consumer bill passed in the state in decades, the <a href="https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB766" target="_blank" rel="noopener noreferrer">Combating Auto Retail Scams (CARS) Act</a>.&nbsp;&nbsp;Allen is a lifelong Californian who grew up attending public schools and now lives in his hometown with his wife and two young children. Allen has served in the State Senate since 2014 after having served as President of his hometown school board.&nbsp; He has degrees from Harvard, Cambridge, and a law degree from UC Berkeley, where he served as the student member of the Board of Regents.For more information about his campaign, visit <a href="http://BenAllenCA.com">BenAllenCA.com</a>.###

U.S. Senator Alex Padilla today announced his endorsement of State Senator Ben Allen’s (D-Santa Monica) campaign for California Insurance Commissioner – citing his long track record of solving tough challenges and supporting families after last year’s devastating wildfires in Los Angeles County.

U.S. Senator Alex Padilla Endorses Ben Allen For California Insurance Commissioner

Longtime Environmental Leader, Consumer Advocate Vows to Protect Californians in the Face of a Changing Climate &amp; Growing Insurance Crisis; LOS ANGELES — California State Senator Ben Allen (D-Santa Monica) today announced his candidacy for California Insurance Commissioner, pledging to put consumers first while ensuring a strong, fair, robust, and climate-resilient insurance market that meets the state’s evolving challenges. He enters the race with considerable advantages in polling, fundraising, experience, and political support.The Palisades Fire in January was a defining moment for Allen, a respected veteran legislator and former school board president, and his career in public service. The fire erupted off a trail he knew well, within sight of where he grew up and where he’s raising his family, and devastated communities he has represented for more than a decade in the State Senate.&nbsp;“The Palisades Fire underscored what we’ve known for years: our world is changing beneath our feet,” said State Senator Ben Allen. “If we want to keep California affordable and livable, we must make our insurance system adaptable to the realities of a changing world, while making sure insurance companies treat people right and stay viable so that consumers and our economy have real options.”Allen immediately got to work on efforts to assist with the initial governmental response – bringing state and federal leaders together to help with resident assistance, securing funding to rebuild critical local infrastructure and landmarks, and helping families piece their lives back together.Allen wrote legislation to <a href="https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB610">assist mobile home park residents</a> who lost everything, <a href="https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB663">provide tax assistance for fire victims</a>, and give greater help to victims trying to <a href="https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB495">maximize contents coverage from their insurers</a>. He has supported efforts to establish home hardening standards to help residents better protect their homes from future fires and reduce liabilities for the insurance market. Needless to say, the experience has given him a clear-eyed look into the challenges and limitations of our current insurance system.“I like digging into tough policy issues and working on solutions that put people and quality of life first. The role of Insurance Commissioner is incredibly difficult, and faces major headwinds. For so many Californians, insurance is too expensive and inaccessible,” said Allen. "We need leadership that will stand up for consumers and who knows how to work with industry, advocates, the Governor, and legislature to deliver for regular Californians just wanting affordable insurance coverage to be able to live in a home, drive a car, and thrive here. They also deserve to know that if something goes wrong, they’ll have a champion fighting for them at the Department of Insurance.”POLITICAL HEAVYWEIGHTS WEIGH IN ON ALLEN’S CAMPAIGNAllen’s entrance into the race was welcomed by U.S. Senator Adam Schiff, Senate President Pro Tem Mike McGuire and Pro Tem-designee Monique Limon, and Assembly Speaker Robert Rivas, along with many others whose support will be announced in the coming weeks. He starts the campaign with nearly $1 million in his campaign coffers. And <a href="https://drive.google.com/file/d/1-Fsvu0cRic65nnwI8BgTGpeczb6Lq8uT/view?usp=sharing">recent polling from Probolsky Research</a> showed him polling at double the numbers of the closest Democratic challenger.“I’ve worked closely with Ben Allen for years, and I know him to be a thoughtful, hard-working, smart, and caring public servant. The Eaton and Palisades Fires showed just how difficult California’s insurance landscape has become — and will remain — as natural disasters multiply and intensify,” said U.S. Senator Adam Schiff. “Ben has a proven record of tackling tough public policy issues, and I can think of no one better prepared to take on the challenges ahead, which is why I’m supporting him for Insurance Commissioner.”“I've worked hand-in-hand with Senator Allen for the past decade and he's been a tenacious and dedicated leader who always puts the needs of people first in the State Senate,” said Senate President Pro Tem Mike McGuire (D-North Coast). “We've partnered on wildfire response and prevention, holding utilities accountable, helping communities recover and rebuild after disasters and I'm excited about our work together in the years to come.”“Having worked with Ben Allen for close to a decade, I’ve seen him tackle difficult issues and fight for policies to help improve the quality of life in California. After the devastating fires in his district, he immediately rolled up his sleeves to help the community recover and rebuild,” said Senate President Pro Tem-designee Monique Limon (D-Santa Barbara). “As someone who represents a fire-prone community, I know our next Insurance Commissioner needs proven leadership and commitment to real people, which is why I’m proud to endorse my friend and colleague Ben Allen.”“As a leader in the legislature, I’ve seen Ben do great things, from striking deals to protect our environment from plastics pollution and increasing consumer protections for car buyers, to helping rebuild LA communities after the wildfires,” said Assembly Speaker Robert Rivas (D-Hollister). “Ben is tested and ready to take on the challenge of being California’s insurance commissioner. I’m proud to endorse him.”A TRACK RECORD OF SERVICE AND ACCOMPLISHMENTAllen is a longtime environmental policy leader – one of the most respected according to Politico and CalMatters – and was the <a href="https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202320240SB867">lead author of the climate bond</a> <a href="https://ballotpedia.org/California_Proposition_4,_Parks,_Environment,_Energy,_and_Water_Bond_Measure_(2024)">passed by voters in November 2024</a> that provided the first tranche of fire mitigation funds for brush clearance and other efforts right after the fires.Allen is no stranger to tackling complex public policy challenges. In the Legislature, he has earned a reputation for solving difficult problems – from negotiating one of <a href="https://www.nytimes.com/2022/07/01/climate/california-plastics-recycling-law.html">the nation’s most ambitious plastic waste reduction laws</a> to brokering a bipartisan deal to reduce the environmental impact of off-highway vehicles that the <a href="https://www.sacbee.com/opinion/editorials/article173558766.html#:~:text=Sen.%20Ben%20Allen%2C%20D%2DSanta%20Monica%2C%20brokered%20a%20deal%20that%20won%20near%20unanimous%20support%20to%20allow%20off%2Droad%20aficionados%20to%20continue%20to%20pursue%20their%20hobby%20in%20California.%20If%20only%20Congress%20could%20work%20out%20such%20compromises.">Sacramento Bee editorial board praised by refraining, “If only Congress could work out such compromises.”</a>Throughout his career, Allen’s north star has always been clear: put the public interest first. He has authored laws to improve campaign finance transparency, strengthen voter access, protect coastal waters, and expand access to the arts in schools. Most recently, he successfully spearheaded the legislative passage of what is probably the most significant pro-car consumer bill passed in the state in decades, the <a href="https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB766">Combating Auto Retail Scams (CARS) Act</a>.&nbsp;&nbsp;Allen is a lifelong Californian who grew up attending public schools and now lives in his hometown with his wife and two young children. Allen has served in the State Senate since 2014 after having served as President of his hometown School Board.&nbsp; He has degrees from Harvard, Cambridge, and a law degree from UC Berkeley, where he served as the Student Member of the Board of Regents.For more information about his campaign, visit <a href="http://BenAllenCA.com">BenAllenCA.com</a>.###

Longtime Environmental Leader, Consumer Advocate Vows to Protect Californians in the Face of a Changing Climate &amp; Growing Insurance Crisis; Enters Race with Support of Primary Legislative Leaders, Senator Schiff

State Sen. Ben Allen Launches Campaign for California Insurance Commissioner

Join the <a href="https://sbdems.com/">San Bernardino Democratic Luncheon Club </a>and Senator Allen on Friday, January 30th at 11:30 AM at Juan Pollo Restaurant:&nbsp;1258 5th St, San Bernardino, CA 9241. Senator Allen will be there at 11:30 AM to meet in advance of the lunch, and then the official luncheon club will begin at 12pm. First 60 RSVPs will get free lunch!

San Bernardino Luncheon

Join the <a href="https://sbdems.com/">San Bernardino Democratic Luncheon Club </a>and Senator Allen on Friday, January 30th at 11:30 AM at Juan Pollo Restaurant. Senator Allen will be there at 11:30 AM to meet in advance of the lunch, and then the official luncheon club will begin at 12pm.&nbsp; First 60 people who RSVP will receive free lunch!&nbsp;

Final Pre-Convention Meet &amp; Greet

Our last meet and greet before CADEM convention! Join us to learn about&nbsp;Senator Allen and&nbsp;his run, and bring your own questions and perspectives on insurance.&nbsp;

So Cal Meet & Greet

The FAIR Plan was never meant to be a long-term solution — it’s a backstop. However, in recent years, this “insurer of last resort” has tripled in size, becoming one of the state’s largest insurers. As the FAIR Plan grows, its costs and exposure can ripple through the broader insurance system and contribute to higher premiums statewide. The goal must be to transition as many Californians as possible back into the traditional insurance market.Priorities:<ul><li>Rebuild confidence in the private market: Investing in risk reduction efforts, while requiring insurers to underwrite those who fire harden in high-risk areas and rewarding those who reenter the California market. California needs a suite of policies that together lower climate-related risks, empower communities to adapt to new climate realities, facilitate investments to prevent disasters, allow insurers to more accurately calculate risk, and require them to participate in the stable market enabled by these policies. So much of this will come down to policies that push for fire resilient communities - from construction materials, community fire safe practices, and more effective vegetation management to stronger and more targeted firefighting infrastructure. </li><li>Support FAIR Plan solvency while reforming it: Use the Plan’s new IBank bonding authority to ensure claims can be paid promptly, while improving governance. </li><li>Reward mitigation: Prioritize FAIR Plan policyholders who meet Safer from Wildfires standards for transition into private coverage—aligning risk reduction with market stability. In cooperation with CAL FIRE and the academic community, assess areas of the state with high concentrations of FAIR Plan policies and develop community-scale roadmaps that show the path back to insurability through systemic risk reduction. </li><li>Long-term risk reduction: Pair insurance reform with local planning tools—retrofits, defensible space, ignition-source removal, and managed retreat where appropriate—to shrink the high-risk pool and protect long-term insurability. I will coordinate with local governments to take the highest risk open spaces out of development, protecting future residents from dangerous and uninsurable conditions. </li><li>Rebuild smarter: Support resilient redevelopment in post-disaster areas like the Palisades and Altadena as models for safer, more fire resilient, more insurable communities of the future. </li></ul>

The FAIR Plan was never meant to be a long-term solution — it’s a backstop. However, in recent years, this “insurer of last resort” has tripled in size, becoming one of the state’s largest insurers. Since all Californian policyholders cover the cost of this program, not just those on the Plan, this growth is driving up rates for everyone. The goal must be to transition as many Californians as possible back into the traditional insurance market.

Getting People Off the FAIR Plan

Join us Friday night of convention (February 20th) from 10pm-12am for Ben Allen's Insure the California Dream Party in partnership with California Environmental Voters! Hosted in a hospitality suite in the Moscone Convention Center &amp; open to all CADEM Convention attendees until we reach capacity! Come join us to kick off convention right with desserts, a smoothie bar, drinks and a DJ!

Insure the California Dream Party

Join us Friday night of convention (February 20th) from 10pm-12am for Ben Allen's Insure the California Dream Party in partnership with California Environmental Voters! Hosted in a hospitality suite in the Moscone Convention Center &amp; open to all CADEM Convention attendees until we reach capacity! Come join us to kick off convention right with desserts, a smoothie bar, drinks and a DJ

After a disaster, Californians deserve timely, fair treatment from their insurers — not months of bureaucracy when they’re trying to rebuild their lives.Priorities:<ul><li>Simplify claims and reduce trauma: Build on SB 495 (“Eliminate the List Act”), a law I authored to require higher upfront payments for personal property coverage, ensuring survivors aren’t dragged through the mud itemizing every lost possession. </li><li>Enforce FAIR Plan accountability: Ensure compliance with Insurance Commissioner orders, especially regarding smoke damage claims, and strengthen oversight of the FAIR Plan. That is why I supported AB 234, a new law that reformed the FAIR Plan Governing Committee to ensure some of the people’s representatives have a seat at the table. </li><li>Transparency and responsiveness: Require insurers to clearly explain claim denials and maintain real-time reporting of delays and outstanding claims post-disaster. </li><li>Resilient rebuilding: Encourage and expedite rebuilding that meets new fire-hardening and community safety standards, ensuring affected residents can rebuild smarter and safer. We must learn the important lessons from previous disasters and invest in stronger communities. I will work with academics and other state agencies to develop resilient, low-risk rebuilding guidelines that all communities can adopt before a disaster strikes, so that if the worst does occur, everyone knows the path forward. We can then explore a statewide policy to ensure that communities are better prepared for disasters before they happen and have a road map to follow once they do.&nbsp;&nbsp; </li></ul>

After a disaster, Californians deserve timely, fair treatment from their insurers—not months of bureaucracy when they’re trying to rebuild their lives. That's why I'm refusing to accept insurance industry contributions in this campaign.

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Post-Disaster Insurer Compliance

California’s insurance system is at a crossroads. To restore a solvent, competitive marketplace while keeping rates fair and affordable, we must strike the right balance between protecting consumers and ensuring insurers can sustainably operate in the state. I wrote <a href="https://ballotpedia.org/California_Proposition_4,_Parks,_Environment,_Energy,_and_Water_Bond_Measure_(2024)">Proposition 4</a>, the clean drinking water and fire prevention bond measure that voters overwhelmingly passed in 2024, to address the ever-increasing risk of climate-related disasters — especially fires — which have driven up costs for residents and led to insurers cutting back on coverage for Californians. This is just the first step to addressing this crisis.&nbsp;Priorities:<ul><li>Modernize rate-setting: Implement reforms allowing the use of wildfire catastrophe modeling and the inclusion of reinsurance costs in rate applications, aligning California with national standards and ensuring rates accurately reflect true climate risk. The Department of Insurance must use scientifically developed data and feedback to learn as it implements the Sustainable Insurance Strategy, building on its successes while also being prepared to pivot as we find more efficient and affordable solutions. </li><li>Faster rate reviews: Streamline the Department of Insurance rate review timelines so decisions are made within months, not years, giving insurers the certainty they need to keep writing policies in California. </li><li>Community hardening as rate stabilization: Continue expanding programs like Safer from Wildfires, the California Safe Homes grant program, and vegetation management programs to help residents lower risk—and therefore lower premiums.&nbsp;At the same time, hardening one home at a time simply won’t solve the problem. We must all work together to safeguard our communities and create resilient neighborhoods. I will work with the Legislature, the Governor, and local governments to design neighborhood-scale programs that reduce disaster risk, increase community resiliency, and bring down insurance rates. I will also work with insurers to harness the industry’s own financial strength to invest in the new solutions and technologies that can further drive down risk. </li><li>Data-driven resilience: Strengthen coordination between CAL FIRE, insurers, local governments, and communities to develop and meet fire-risk reduction targets statewide. We need ambitious targets that we can hold leaders to and scientifically backed data and metrics to ensure we can evaluate our efforts and strategically invest in proven strategies. This is why I supported <a href="https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB326">Senator Josh Becker's SB 326</a>, which seeks to improve coordination and create a framework to facilitate long-term plans and effective investments. </li><li>Reduce climate financial riskSome insurers’ investments and industrial underwriting have exposed them to greater climate-related financial risks than others, threatening both the industry and its Californian customers. I will restore past transparency programs that revealed insurers’ fossil fuel investments and require regular gold-standard stress testing to prevent insurers from underwriting or bankrolling risky fossil projects.</li><li>Climate accountability: I support efforts to ensure fossil fuel companies bear appropriate financial responsibility for climate damages that are driving insurance costs up for everyone. </li></ul>

California’s insurance system is at a crossroads. To restore a solvent, competitive marketplace while keeping rates fair and affordable, we must strike the right balance between protecting consumers and ensuring insurers can sustainably operate in the state. I wrote <a href="https://ballotpedia.org/California_Proposition_4,_Parks,_Environment,_Energy,_and_Water_Bond_Measure_(2024)">Proposition 4</a>, the clean drinking water and fire prevention bond measure that voters overwhelmingly passed in 2024, to address the ever-increasing risk of climate-related disasters — especially fires — which have driven up costs for residents and led to insurers cutting back on coverage for Californians. This is just the first step to addressing this crisis.&nbsp;

Stabilizing the Insurance Market

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Southern California Meet &amp; Greet

Southern California &amp; beyond! Join us to learn about&nbsp;Senator Allen and&nbsp;his run, and bring your own questions and perspectives on insurance.&nbsp;

Southern CA Meet & Greet

Families have enough hardship to contend with in the wake of a devastating disaster or simply in the aftermath of any loss. Uncertainty regarding navigating a complex and often opaque insurance system frequently makes a challenging time worse. I will make it a top priority to modernize the Department of Insurance and make it work for Californians.&nbsp;&nbsp;Priorities:<ul><li>Modernize customer service and filings: Invest in staffing and digital infrastructure to efficiently handle rate requests, consumer complaints, and disaster claims. We will update the Department’s website to make it user-friendly and accessible to everyone. </li><li>Improve consumer communication: Simplify insurance materials and require insurers to clearly explain available discounts under Safer from Wildfires and other hardening programs. Information is powerful, and it’s the Commissioner's job to ensure residents know what tools are available to them. </li><li>Expand outreach: Partner with local governments and nonprofits to educate residents—especially in high-risk or disadvantaged communities—on insurance literacy, mitigation funding, and rebuilding assistance. As a community leader, I know how important it is to meet people where they are. In the wake of the Palisades and Eaton fires, we hosted countless events to bring leaders and experts to Los Angeles to answer questions and help families get answers. As Insurance Commissioner, I will continue these regular listening and information sessions to make sure all Californians have a venue to share their experiences and understand the insurance landscape. </li><li>Data transparency: Publish accessible dashboards tracking insurer participation by region, FAIR Plan enrollments, market share data, risk trends, and claims information to ensure accountability. The Department should serve as a hub for consumers to better understand the modeling and data that go into rate making and see which companies have the best track record when it comes to resolving claims.</li><li>Create a consumer advocate:I will draw on lessons from other states and agencies to ensure that consumers’ voices are heard in every proceeding, including by defending the Department’s current intervention system and working with the Legislature to create a Consumer Advocate who will report directly to the Insurance Commissioner.</li><li>Ending the Revolving Door:Californians should be confident that their Insurance Commissioner is acting in the public interest, not looking out for their own future career. I will work with the Legislature to ban Insurance Commissioners and top staff from working for the insurance industry right after leaving office.&nbsp; CDI leadership must prioritize Californians and not their own careers as they carry out their work.&nbsp;&nbsp;</li></ul>

Families have enough hardship to contend with in the wake of a devastating disaster or simply in the aftermath of any loss. Uncertainty regarding navigating a complex and often opaque insurance system frequently makes a challenging time worse. I will make it a top priority to modernize the Department of Insurance and make it work for Californians.&nbsp;

Making the Department More Transparent and Accountable

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Ben Allen (Democrat) — The Wildfire Reformer. State Senator Ben Allen represents Santa Monica and watched the Palisades Fire tear through his own community on January 7, 2025. That experience is central to his campaign. Allen has endorsed by U.S. Senator Adam Schiff and won just over 40% of ballots cast at the California Democratic Party convention in late February — the strongest showing of any candidate there.

 Meet the Five Leading Candidates — And What They Want to Do With Your Insurance

I got a front row seat to the dysfunction of our current insurance system. Our work went from helping people in the immediate aftermath of the fire to thinking about broader policy changes. This visceral experience of what so many of my friends, neighbors and constituents went through drove me to run for California Insurance Commissioner. In the California State Senate, I’ve built a reputation for tackling difficult problems, and perhaps no problem in our state is as vexing as fixing our insurance system. It’s a system under severe strain, with the consequences falling hardest on those least able to absorb them.

I got a front row seat to the dysfunction of our current insurance system. Our work went from helping people in the immediate aftermath of the fire to thinking about broader policy changes. This visceral experience of what so many of my friends, neighbors and constituents went through drove me to run for California Insurance Commissioner.

After disasters, California should ensure people recover, not be forced out

East Bay &amp; beyond! Join us to learn about&nbsp;Senator Allen and&nbsp;his run, and bring your own questions and perspectives on insurance.&nbsp;

Northern California Meet &amp; Greet

Northern California &amp; beyond! Join us to learn about&nbsp;Senator Allen and&nbsp;his run, and bring your own questions and perspectives on insurance.&nbsp;

East Bay Meet & Greet

Since his first election to the State Senate in 2014, Ben has become an effective leader in the Legislature; leading critical committees and spearheading nearly dozens of new laws across a wide range of issues.

Ben Allen for insurance Commissioner

Putting People First in CA’s Insurance System

Why Ben is Running.

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news & press

Campaign Updates: In the News

Meet the Five Leading Candidates — And What They Want to Do With Your Insurance

U.S. Senator Alex Padilla Endorses Ben Allen For California Insurance Commissioner

After disasters, California should ensure people recover, not be forced out

What is the role of insurance commissioner?

What is the role of insurance commissioner?

What does the Insurance Commissioner do?

Rising costs of home insurance

Rising costs of home insurance

Mitigating the Rising Costs of Homeowners Insurance

A look back on 2025

A look back on 2025

2025 Year in Review