San Rafael commissioners hear property insurance market update amid wildfire volatility
Risk Placement Services executive Melissa Stifle told the San Rafael Fire Commission that commercial property insurance rates softened in 2025 but weather-driven losses keep the market fragile; she urged continued local mitigation and use of modeling to set coverage levels.
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Melissa Stifle, area senior vice president for property insurance at Risk Placement Services (RPS), told the San Rafael Fire Commission that commercial property insurance softened in 2025 but remains vulnerable to large weather losses. "So far in 2025, we have seen rate decreases," Stifle said, adding that declines have in some cases exceeded 20 percent and that terms and conditions had improved.
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