California is facing an insurance crisis. Insurance companies are pulling out, leaving businesses and consumers with too few options or soaring premiums. Many homeowners are turning in desperation to the FAIR Plan, the state’s insurer of last resort, which is now overwhelmed far beyond its intended capacity.

This crisis can be solved and California’s insurance markets can be repaired so that insurance is fair, affordable and readily available to everyone in California.

The solution starts with leadership that is clearly independent from the insurance industry. The Department of Insurance, and the Insurance Commissioner at its helm, must work effectively with insurers while maintaining total independence. Regulation serves the needs of the customer, not the producer.

First, pricing must

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