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At a time when insurance companies are raking in record profits while working families struggle to afford coverage, Californians need an Insurance Commissioner who will stand up to powerful corporate interests. Jane Kim has spent her career fighting for working people, and she is the bold and thoughtful leader California needs right now.<h4>– Bernie Sanders, U.S. Senator</h4>

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<h2>About The California Insurance Commissioner</h2><h4>The Most Important Job You've Never Heard of</h4>An under-the-radar and under-leveraged office, California’s Insurance Commissioner oversees the $3 trillion home and auto insurance industry in California.The office is tasked with protecting consumers from fraud, licensing insurers and enforcing state law as it pertains to the industry. In recent years, the Commissioner has also taken on a role in climate change mitigation and disaster recovery.California's Insurance Commissioner should be more than a regulator: the office can and should be a champion for working people across the state.Because California’s affordability crisis isn’t just about rising costs — it’s about political courage. Insurance companies are making record profits while raising premiums, denying claims, and canceling coverage.I’m running for Insurance Commissioner because this office is a powerful platform from which we can advance a bold agenda for working families.

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<h3>Lower Costs. Guaranteed Coverage. Fast and Fair Claims.</h3>We need to make insurance affordable and available to all, or millions of people will be shut out of our economy.&nbsp;But the current insurance system is failing us. We see it in rising premiums and canceled coverage, and we feel it when insurance companies fight our claims.Jane is running for Insurance Commissioner to hold insurance companies accountable and turn the office into a watchdog for consumers.

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As Insurance Commissioner, Jane Kim is ready to use the full power of the office to hold insurers accountable, lower costs, and ensure Californians get the coverage they deserve.

Jane Kim stands on stage in a pink blazer, speaker to a crowd of tens of thousands of people. To her left is the California state flag, and to her right the American flag.

Civil rights attorney. Consumer advocate. Organizer.Jane Kim is a proven leader who has spent her career taking on powerful corporate interests and delivering real wins for working families. As a former San Francisco Supervisor and statewide organizer, she led some of the most ambitious affordability, housing, and worker-protection policies in the country — and built a reputation for taking on powerful interests — and winning.

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<h1>Jane knows how to take on big corporations — because she’s done it before.</h1><img src="https://run.imgix.net/86daf947-8fea-4921-83be-74f03c8a9ad0/d1d3e93b-3b90-464f-9b0b-4aeae3a2a64e/d1d3e93b-3b90-464f-9b0b-4aeae3a2a64e.jpg?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=0%2C0%2C3000%2C2001&amp;w=1500" alt="" caption="" align="left" alignwidth="40" tiltdirection="left" variant="framed">Jane Kim is running for Insurance Commissioner to continue her decades-long work advocating for Californians because, with premium rates rising and coverage declining, we need a Commissioner who will put people ahead of insurance company profits.&nbsp; As a San Francisco Supervisor from 2011 to 2019, Jane represented a district encompassing both the city’s lowest-income residents and its wealthiest zip code. She fought for groundbreaking initiatives, including making San Francisco the only city in the nation to provide tuition-free Community College for all residents, enacting the nation’s strongest minimum wage law, and establishing a medical respite shelter for aging and sick homeless residents. She also led the single largest investment any U.S. city has made toward childcare, passing a tax on multimillion-dollar commercial real estate that now raises over $140 million annually to make universal affordable childcare a reality. A longtime champion for affordable housing, Jane crafted the nation’s most robust tenant-protection ordinance to prevent unjust evictions. She also led and won the fight to raise the city’s affordable housing mandate from 12% to 25%, and secured an unprecedented 40% requirement in three major development projects within her district. After leaving office, Jane served as the California Political Director for Bernie 2020 and as a Senior Fellow at both the Sanders Institute and the Young Elected Officials Network, a program of People for the American Way. Over the last four years, Jane Kim served as the California Director for the Working Families Party where she recruited and trained the next generation of leaders ready to fight for working families. Jane also sought to achieve gender balance in the California Legislature as a member of the Board of Directors for Close the Gap California – a statewide initiative to achieve gender balance in the California Legislature.

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“Having served in public office with Jane, I have seen her time and time again stand up against giant corporations and fight for our working people. Jane is the fighter and innovator we need as our next State Insurance Commissioner.”<h4>– Malia Cohen, California State Controller</h4>

We need insurance to drive to work, buy a home, or open a business.&nbsp;That means we need to make insurance affordable and available to all, or millions of people will be shut out of our economy.&nbsp;But the current insurance system is failing us. We see it in rising premiums and canceled coverage, and we feel it when insurance companies fight our claims every step of the way.In the wealthiest state in the wealthiest nation, we can do better.Here’s how:

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Kim pledges to take on corporate greed and bring down costsSAN FRANCISCO – Today, civil rights attorney, consumer advocate, and former San Francisco Supervisor Jane Kim announced she is running for California Insurance Commissioner, launching a campaign to take on the insurance corporations driving California’s affordability crisis and to finally put the office to work for all Californians. If elected, she would be the first woman to serve as Insurance Commissioner.“Californians are being crushed by rising costs while insurance companies make record profits raising premiums, canceling coverage, and denying claims,” said&nbsp;Jane Kim. “Our Insurance Commissioner should protect working people, not enrich CEOs only to leave families stranded when disaster strikes. For too long, insurance companies have put profits over people. It’s time to hold the insurance industry accountable and put it to work for Californians.”Kim’s campaign has three central policy plans:<ol type="1"><li>Natural Disaster Insurance for All. Guarantees universal, affordable coverage for climate-related disasters. No more insurance industry excuses.</li><li>Cap CEO pay and excessive insurance profits. Big insurers make billions off our premiums yet often deny coverage or claims. We need to refocus what insurance is supposed to be: protection for residents, not an investment fund for insurers.</li><li>Guarantee health care for kids. Every child in California should have guaranteed health care. Period.</li></ol>“At a time when insurance companies are raking in record profits while working families struggle to afford coverage, Californians need an Insurance Commissioner who will stand up to powerful corporate interests. Jane Kim has spent her career fighting for working people, and she is the bold and thoughtful leader California needs right now,” said&nbsp;Senator Bernie Sanders (I-VT).&nbsp;“While on the San Francisco Board of Supervisors, Jane helped San Francisco become one of the first cities to make community college tuition free, negotiated record levels of affordable housing from major developers, and won California’s first $15 minimum wage ordinance. Government should work for the many, not the few. Jane Kim is the clear choice for Insurance Commissioner.”Kim is the only candidate in the race to pledge not to take a single dollar from insurance companies, executives, or PACs. Californians deserve an Insurance Commissioner independent from industry influence, who refuses insurer money and stands up to corporate abuse. That’s why Senator Bernie Sanders (I-VT), the National Union of Healthcare Workers and Working Families Party are endorsing her campaign.Insurance costs now rank among Californians’ top cost-of-living concerns. Rather than address these concerns and expand coverage for those who need it, the insurance industry is exploiting the climate crisis to evade accountability, while elected officials fail to use the full power of the office to protect the public.Kim brings a track record of standing up to corporate power and delivering results for working people. As a former San Francisco Supervisor, she helped make community college tuition-free, won record investments in affordable housing, passed the first $15 minimum wage in California, and enacted some of the strongest tenant protections in the country.She previously served as California Political Director for Bernie Sanders and is currently the California Director of the Working Families Party, organizing working people to challenge entrenched corporate interests.Kim’s campaign launches with a clear message: Californians don’t have to accept a system rigged against them. “They’ll tell us these ideas aren’t possible, and that we have to accept less,” she said. “But in the richest state in the richest country on earth, we can take on corporate greed, and we can win.”elease text here.

Californians deserve an Insurance Commissioner independent from industry influence, who refuses insurer money and stands up to corporate abuse. That’s why Senator Bernie Sanders (I-VT), the National Union of Healthcare Workers and Working Families Party are endorsing her campaign.

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Jane Kim Launches Campaign for California Insurance Commissioner

<h4>Enforce minimum coverage standards</h4>Too often, hidden gaps in coverage leave families with massive out-of-pocket costs after disasters. Jane Kim will enforce minimum coverage standards as a condition of rate approval, so insurers compete on price and service, not on how much protection they can quietly remove. Minimum standards would include:<ul><li>Guaranteed replacement cost for total losses: if your home is completely destroyed, your insurance should cover the cost to rebuild it</li><li>Extended replacement cost: if the cost to rebuild after a disaster goes up with inflation, labor shortages, or materials costs, so should your coverage – by up to 50%</li><li>Ordinance and law coverage: When you rebuild, you often have to meet newer building codes that didn’t exist when your home was built. Your insurance should cover these costs, up to 25% of your dwelling limit</li><li>Require consent for reduced coverage: Insurers shouldn’t be able to reduce your coverage without your agreement —&nbsp;and showing you the cost of the eliminated coverage.</li></ul><h4>Require six months notice for changes in coverage</h4>Currently, insurers are only required to provide 75 days notice before dropping your coverage or making major changes to your policy. But finding new coverage or making upgrades to make your home resilient to wildfires can take months, not weeks. Jane will require insurance companies to give you six months notice before non-renewing your policy or making material changes to your coverage, giving you real time to prepare.<h4>Create a statewide coverage calculator</h4>When an insurer underestimates the cost to rebuild, they save money and you’re left vulnerable. So you shouldn’t have to take their word for it. Jane will create a public tool to estimate rebuilding costs, so policyholders and agents can make sure coverage is adequate. And Jane will require that insurers report and justify how they calculate inflation – because prices shouldn’t be set in the dark.<h4>End price discrimination for auto insurance</h4>How much you pay for car insurance shouldn't depend on where you go to work or how much money you make. As Insurance Commissioner, Jane will close the loophole allowing insurers to charge higher rates to blue collar workers than white collar workers.<h5>ANOTHER BIG idea:</h5><h2>Medicare for Kids</h2>No child should be denied care and annual check ups because of their parent’s job or employment status.&nbsp; But roughly 400,000 children lose their Medi-Cal coverage every year because of a slight increase in income, missed renewal form or paperwork. While the Department of Insurance does not oversee managed health care plans, Jane will write a plan to guarantee healthcare for every child in California: Medicare for Kids.It’s affordable – Medicare for Kids would actually save money thanks to preventative care reducing long term care costs – and it's a moral responsibility.Why doesn’t this office oversee managed healthcare?In California, insurance regulation is divided between two departments: the Department of Insurance, and the Department of Managed Health Care. California is alone among states in having insurance bifurcated like this, and Jane believes insurance regulatory authority should be centralized within the Department of Insurance.

Jane will enforce minimum coverage standards, create a statewide coverage calculator, end price discrimination for auto insurance, and write a plan to provide Medicare for Kids.

Guaranteed Coverage

Jane Kim Earns Major Endorsement from California Labor Union in Race for Insurance CommissionerThe California Teachers Association sole endorsed KimSAN FRANCISCO, CA – The California Teachers Association (CTA), one of California’s largest unions, announced today that they are endorsing Jane Kim for California Insurance Commissioner. CTA represents over 300,000 teachers across the state. They join SEIU California, California Federation of Teachers (CFT), the National Union of Healthcare Workers (NUHW), Senator Bernie Sanders (I-VT) and California Working Families Party in supporting Kim’s historic campaign for Insurance Commissioner.CTA’s endorsement reflects Kim’s strong commitment to addressing the rising costs facing teachers, holding powerful insurance companies accountable, and ensuring stable, affordable coverage for teachers, students, and their families – including her proposal to guarantee healthcare for every child in California.“I’m proud to earn the endorsement of the California Teachers Association and the educators who are raising and cultivating the next generation of Californians,” said Jane Kim. “Teachers feel the punishing consequences of corporate greed in the classroom—when students lose housing or health care, and when skyrocketing insurance pushes educators further away from the dream of owning a home. I am excited to partner with CTA to make insurance affordable and accessible for all.”Kim’s campaign for Insurance Commissioner is centered on three core priorities: creating a public option for disaster insurance to bring down skyrocketing premiums, reining in excessive insurance industry profits, and guaranteeing healthcare coverage for all kids.“Like so many Californians, teachers are dealing with the impacts of rising costs and an economy that feels rigged against working people,” said David Goldberg, President, California Teachers Association. “When insurance premiums go up or coverage disappears, it hits our members and their students directly. Jane Kim has a track record of taking on powerful industries to make the system fairer and more affordable for everyone. That’s why we’re proud to endorse her for Insurance Commissioner.”Jane Kim has a long record of standing up for and delivering wins for workers. As Supervisor, she worked with the San Francisco Labor Council to author and pass California’s first $15 minimum wage, and wrote a gross-receipts tax on large commercial properties that raised $140 million to boost pay for city-contracted workers. She consistently defended union jobs in every budget cycle, voting against outsourcing even during economic downturns. Kim also worked closely with AFT 2121 to make City College tuition-free for all San Franciscans, and as a School Board member partnered with SEIU Local 1021 to support classified school workers.

“Like so many Californians, teachers are dealing with the impacts of rising costs and an economy that feels rigged against working people,” said David Goldberg, President, California Teachers Association. “When insurance premiums go up or coverage disappears, it hits our members and their students directly. Jane Kim has a track record of taking on powerful industries to make the system fairer and more affordable for everyone. That’s why we’re proud to endorse her for Insurance Commissioner.”

California Teachers Association sole endorses Jane Kim

Former San Francisco Supervisor Jane Kim is joining the race for California’s Insurance Commissioner with bold proposals to get the government even more involved in making home insurance available and affordable.

Progressive former S.F. supervisor joins race for California Insurance Commissioner

Former San Francisco supervisor Jane Kim officially jumped into the race for insurance commissioner on Wednesday, setting up a test of progressive creds on a statewide political stage at a time when climate change is increasingly hitting pocketbooks.“This office has been very under-leveraged, and it could be a powerful platform to put forward a bold agenda for working families and everyday people,” she said.

Spotlight: Kim Jumps In

<h4>Provide Natural Disaster Insurance for All</h4>Jane is proposing a single-payer disaster insurance policy for every Californian: Natural Disaster Insurance for All. Other countries have established single-payer universal disaster insurance. For example, in New Zealand, homeowners buy policies from private insurers, but disaster coverage is provided by the state. France and Spain also have a guaranteed home disaster insurance policy.Meanwhile, the FAIR Plan - which exists to stabilize insurers, not protect Californians - falls woefully short when it comes to actually covering Californians. It insures over six hundred thousand people, but isn’t public insurance; it’s a privately run program designed by the insurance industry to protect itself. Its coverage is limited, and it charges punishingly high premiums, leaving people underinsured.A public, nonprofit disaster insurance system would do the opposite. Coverage would be automatic and universal. Everyone would be in the same pool and pay premiums based on factors like property value or risk. A nonprofit program doesn’t need to generate shareholder profits or fund marketing budgets. Investment returns stay in California, strengthening reserves instead of padding executive compensation.But the real difference is structural: a public system would address climate disaster instead of avoiding it. The private insurance business model is to avoid losses, not to reduce risk. When wildfire exposure grows, insurance companies don’t invest in fire prevention or community resilience - they pack up and leave taxpayers to foot the bill. We have socialized the costs of climate catastrophe but privatized the gains.A public insurer would invest in prevention and resiliency, and the public would benefit with fewer claims to pay out. A state-run model could tie premiums directly to mitigation, giving homeowners clear and transparent financial incentives to harden properties and communities to invest in defensible space. It could also support low-income households with mitigation, and advance landscape-level risk reduction to better protect whole communities. A portion of the state pool could be invested in resilience infrastructure: fuel management, firefighting capacity, and early warning systems. It could require the worst corporate polluters to pay into the system, connecting the source of climate risk to its costs. And it could guarantee coverage in high-risk areas, because abandoning communities isn’t an option when you’re accountable to people instead of shareholders.<h4>Make sure premiums actually pay for claims – or lower them</h4>Insurance companies should spend premium dollars on their intended purpose: protecting policyholders. If companies collect more than they need to cover claims and a reasonable profit, that money should go back to policyholders or be invested in statewide resilience, not huge payouts at our expense – like the $27 million salary one insurance company CEO was paid last year. California will establish minimum loss ratio standards calculated over rolling three-year periods to account for catastrophe volatility:<ul><li>Auto insurance: 70% minimum (three-year average)</li><li>Homeowners insurance: 65% minimum (three-year average)</li></ul><h4>Provide low-cost auto insurance through a public option</h4>California already operates a public, non profit auto insurance program for low income Californians. Jane will expand this program to make an affordable public option for auto insurance available to everyone.<h4>Show how insurance companies spend your money</h4>Californians deserve to know whether their premiums are being spent to protect us, or to pay for Superbowl ads. As Insurance Commissioner, Jane will compile expenditure data, make it searchable online, and publish an annual "Where Your Premium Goes" report.&nbsp;<h4>Invest in making homes and communities safer</h4>This year, the California Department of Insurance will roll out a new Safe Homes grants program to provide funding for home hardening investments for wildfire resilience. As Insurance Commissioner, Jane will work to make this public investment as broad as possible, with permanent ongoing funding.

Jane plans to provide Natural Disaster Insurance for All, make sure premiums actually pay for claims, create a public option for affordable auto insurance, show how insurance companies spend your money, and invest in safer homes and communities.

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Lower Costs

Kim said the commissioner’s role has been underutilized despite its broad authority. She described insurance as a gateway to household stability and long-term wealth accumulation, arguing that market failures now justify stronger public intervention.Her campaign centers on holding insurers accountable while expanding access for households priced out of coverage.

Jane Kim enters California insurance commissioner race with public option plan

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<h4>Freeze the rates when you file a claim</h4>Your policy shouldn’t punish you for using it. Jane will pursue legislation to prohibit insurers from raising your premiums, dropping coverage, or refusing renewal for filing a claim, inquiring about a claim, or experiencing a no-fault loss. And when insurers have a pattern of retaliation for filing valid no-fault claims, they should be investigated.<h4>Penalize delays to speed up payments</h4>Insurance only works if claims get paid, and too often homeowners face excruciating delays for valid claims. Time is money, and those delays should come with a cost. Jane will require companies to pay interest on delayed claims – the longer you have to wait, the more they have to pay.<h4>Pay disaster survivors immediately</h4>After a total loss, families deserve immediate support to replace basic necessities. Jane will require insurance companies to immediately pay out the full contents coverage for total losses after a disaster, instead of forcing survivors to itemize every sock, plate, and piece of furniture before getting help. People shouldn’t be living out of suitcases while insurers argue over paperwork.<h4>Hold bad actors accountable</h4>Companies that systematically underpay or deny are stealing from policyholders. Jane will launch market conduct examinations of insurers with elevated complaint rates or suspicious denial patterns, coordinate with the Attorney General on fraud referrals, and impose rate approval and license conditions on bad actors.<h4>Create an insurer performance dashboard</h4>Just like insurers assess the risks before covering a property, consumers should be able to assess the risks of an insurer before choosing a policy. Jane will create a public database with company-by-company claims performance data - because you deserve to make informed decisions on who you choose to be your insurer, and an easy to use tool for reviewing consumer complaints against California insurers. And in the wake of a disaster, Jane will require companies to report their number of claims filed, number of claims closed with no payment, and claims processing timeframes on a regular basis.

Jane will freeze the rates after you file a claim, penalize delays to speed up payments, make sure insurers pay disaster survivors immediately, launch market conduct examinations to hold bad actors accountable, and create a public insurer performance dashboard.

Fast and Fair Claims

The Service Employees International Union (SEIU) California today announced the 750,000 – member organization’s endorsement of Jane Kim for Insurance Commissioner."She has fought with and stood alongside workers for the entirety of her career and will continue to champion working people’s causes. In our fight for democracy, we know Jane will have the backs of California workers.”

SEIU California Endorses Jane Kim for Insurance Commissioner

The private insurance business model is to price risk and avoid losses, not to reduce risk. When wildfire exposure grows, they don’t invest in fire prevention or community resilience — they pack up and leave taxpayers to foot the bill. We have socialized the costs of climate catastrophe but privatized the gains.A public insurer would invest in prevention and resiliency, and the public would benefit with fewer claims to pay out.

Op-Ed: We Need Natural Disaster Insurance for All

California’s affordability crisis isn’t just about rising costs — it’s about political courage. Insurance companies are making record profits while raising premiums, denying claims, and canceling coverage.

Jane Kim is running for Insurance Commissioner because this office is a powerful platform from which we can advance a bold agenda for working families.

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