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<rss version="2.0"><channel><title>LapseWatch — field notes</title><link>https://getlapsewatch.com/blog</link><description>Workers' comp and CSLB licence intelligence for California commercial insurance agents.</description><item><title>When does every California contractor need workers&#x27; comp? (2028, not 2026)</title><link>https://getlapsewatch.com/blog/sb-216-workers-comp-deadline</link><guid>https://getlapsewatch.com/blog/sb-216-workers-comp-deadline</guid><description>SB 216 phased in a workers&#x27;-comp mandate, but SB 1455 moved the all-classifications deadline to 1 January 2028. Here is what applies today, by classification, with the CSLB numbers.</description><pubDate>2026-08-12</pubDate></item><item><title>When do contractor workers&#x27;-comp policies actually expire? (What 118,000 live policies show)</title><link>https://getlapsewatch.com/blog/when-workers-comp-policies-expire</link><guid>https://getlapsewatch.com/blog/when-workers-comp-policies-expire</guid><description>Most contractor workers&#x27;-comp policies renew on annual anniversaries, not on 1 January. Here is the real distribution across California&#x27;s active licences, and what it means for timing a call.</description><pubDate>2026-08-11</pubDate></item><item><title>How the CSLB licence renewal cycle works, and why it creates buyers</title><link>https://getlapsewatch.com/blog/cslb-licence-renewal-cycle</link><guid>https://getlapsewatch.com/blog/cslb-licence-renewal-cycle</guid><description>California contractor licences renew every two years. The renewal requires current workers&#x27;-comp compliance, which makes the renewal date a reliable trigger for a commercial insurance conversation.</description><pubDate>2026-08-10</pubDate></item><item><title>How to prospect California contractors without buying a lead list</title><link>https://getlapsewatch.com/blog/prospecting-california-contractors</link><guid>https://getlapsewatch.com/blog/prospecting-california-contractors</guid><description>CSLB publishes every licensed contractor in the state, with phone numbers, addresses and workers&#x27;-comp status, for free. Here is what is in the file, what is not, and how to work it.</description><pubDate>2026-08-09</pubDate></item><item><title>Why timing beats targeting when you sell contractor workers&#x27; comp</title><link>https://getlapsewatch.com/blog/why-lapse-timing-beats-cold-lists</link><guid>https://getlapsewatch.com/blog/why-lapse-timing-beats-cold-lists</guid><description>A lapse list is not a better cold list — it is a different thing. The value is that the prospect has a deadline, which changes what your call has to accomplish.</description><pubDate>2026-08-08</pubDate></item><item><title>How to read CSLB&#x27;s workers&#x27;-comp data without drawing the wrong conclusion</title><link>https://getlapsewatch.com/blog/reading-cslb-workers-comp-data</link><guid>https://getlapsewatch.com/blog/reading-cslb-workers-comp-data</guid><description>The CSLB files contain traps that produce confidently wrong numbers — cancelled policies, an incomplete inline column, exemption codes and garbage dates. Here is each one and how to handle it.</description><pubDate>2026-08-07</pubDate></item></channel></rss>