California E&S Insurance

Hard to insure and impossible to insure are miles apart. It's hard to insure a bar, but there are tens of thousands of bars across the country and all of them have insurance. Independent insurance agents and brokers know how to place coverage for a variety of exposures; that's a huge chunk of their job. (The only bigger part would be schmoozing, IMHO, but of course I'm going to say that as a carrier person.) @spartana , if you're anywhere near Dicey I would get that broker referral, or otherwise put it out to your network that you're looking for referrals. Insurance is expensive if the risk is expensive. Insurance is just a financial mechanism, like mortgages. The insurance companies are assessing the overall risk to homeowners in California, dividing the expected costs by the number of policyholders, adding in their profit and charging accordingly. The CA-specific problems are that the overall risks have increased dramatically in a fairly short time primarily as a result of climate change, and the CA department of insurance has (in their efforts to protect the little guy) made it nearly impossible to achieve the profit demanded by insurers as publicly-traded capitalist entities, leading to a lot of market exits. That in itself is kind of remarkable; most industries bow to CA regulations. I know that's cold comfort to anyone going through it, and I'm sorry. There's not really an insurance fix until someone fixes either the climate problem or capitalism. (Or preferably both, IMHO.)

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