Can my California business get property insurance in a wildfire zone? 

Yes. If standard insurers decline your property, the California FAIR Plan provides basic commercial coverage with limits up to $20 million per building. Hardening your property can earn a discount of up to 20 percent on the wildfire portion of your premium. 

https://www.insurance.ca.gov/0400-news/0100-press-releases/2025/release028-2025.cfm

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.