The expiration date of a commercial insurance policy. It is the day a business is free to move to another carrier or agent, which makes it the single most valuable fact in commercial prospecting. Producers work the 60 to 90 days before it.

Where do California contractor x-dates come from?

Every licensed contractor with employees must file a certificate of workers' compensation insurance with the Contractors State License Board. The certificate carries the carrier, policy number, effective date and expiration date, and the CSLB publishes it. Birdray loads the whole file weekly.

Are x-dates for other lines public?

In California, only workers' comp is on the licence record. General liability, auto and umbrella dates are not public; producers get them by asking on the first call, which is why the comp x-date is the door in.

How many California contractors renew each month?

26,586 policies renew in the next 90 days statewide, out of 118,291 on file. January is the biggest month with 13,930 expirations.

How early should outreach start?

Most producers open 60 to 90 days out, when the incumbent's renewal quote hasn't landed and the owner is still open to a comparison. A second touch at 30 days and a last one in the final week catch late deciders. Birdray's plays default to that cadence.

Do x-date vendors cover California contractors?

Some do, sourced from the same CSLB file. What they usually lack is everything around the date: licence and bond status, new licences, permits, exemption changes, and the person to contact. That context is what Birdray adds.

X-dates

X-dates for California contractors: what they are, where they come from, and when to call

An x-date is the day a policy expires. For California contractors the workers' comp x-date is public record, filed with the licence. This page explains the mechanics and shows the live renewal calendar for the whole state; the county and trade pages below break it down to the territory a producer actually works.

118,291

Policies on file

19,920

Renewing in 60 days

26,586

Renewing in 90 days

5,274

Lapsed or suspended

115,473

Exempt (no employees)

239,250

Active licences

Workers' comp renewals by month, California

Every policy on file with the CSLB, by expiration month, next 12 months.

6,073

Sep

12,173

Oct

6,936

Nov

7,493

Dec

13,930

Jan

8,676

Feb

9,905

Mar

10,672

Apr

9,431

May

10,353

Jun

9,523

Jul

6,504

Aug

492

Sep

Carriers with the most renewals

Policies on file statewide

How the x-date reaches the public record

Business and Professions Code section 7125 requires every licensed contractor with employees to hold workers' compensation insurance and to file a certificate with the CSLB. The certificate names the carrier and the policy's effective and expiration dates. Contractors with no employees file an exemption instead. The CSLB publishes both on the licence record, and a licence with neither is suspended. That is why 49% of active California contractors have a visible x-date, and why the exemption holders are worth watching: the day one hires, a policy appears.

What the date tells a producer

The x-date says when the account can move. The carrier next to it says who they would be moving from, and whether that carrier is one you can beat on that class. The policy history, which the CSLB keeps as certificates are replaced, says whether they shop every year or have been with State Fund since 2014. Birdray shows all three on every company, and the change feed adds the rest: a lapse, a bond suspension, a new licence, a permit surge.

Timing that works

Open at 60 to 90 days out with something true about the business, not the date itself. Nobody wants to be told their own renewal date; they want to know you noticed the two trucks they added. Follow at 30 days with a specific comparison. In the last week, offer to bind fast. After the date, stop and set a note for next year; Birdray does that automatically.

Where to look

Pick a county below, or a trade inside it. Each page shows the policies on file, the month-by-month renewal curve, the carriers losing the most renewals, and what changed this week.

X-dates by county

Alameda County7,174 Alpine County19 Amador County416 Butte County1,745 Calaveras County660 Colusa County87 Contra Costa County7,233 Del Norte County141 El Dorado County2,453 Fresno County4,119 Glenn County178 Humboldt County1,073 Imperial County386 Inyo County168 Kern County3,545 Kings County301 Lake County532 Lassen County168 Los Angeles County47,093 Madera County850 Marin County2,610 Mariposa County172 Mendocino County909 Merced County1,054 Modoc County60 Mono County216 Monterey County2,684 Napa County1,110 Nevada County1,729 Orange County19,163 Placer County4,548 Plumas County266 Riverside County15,671 Sacramento County9,416 San Benito County595 San Bernardino County10,592 San Diego County20,499 San Francisco County3,768 San Joaquin County3,461 San Luis Obispo County3,272 San Mateo County4,528 Santa Barbara County3,238 Santa Clara County9,324 Santa Cruz County2,453 Shasta County1,784 Sierra County35 Siskiyou County408 Solano County2,287 Sonoma County5,372 Stanislaus County2,854 Sutter County598 Tehama County371 Trinity County116 Tulare County1,667 Tuolumne County617 Ventura County6,267 Yolo County1,091 Yuba County490

X-dates by trade, statewide

Frequently asked

What is an x-date?: The expiration date of a commercial insurance policy. It is the day a business is free to move to another carrier or agent, which makes it the single most valuable fact in commercial prospecting. Producers work the 60 to 90 days before it.
Where do California contractor x-dates come from?: Every licensed contractor with employees must file a certificate of workers' compensation insurance with the Contractors State License Board. The certificate carries the carrier, policy number, effective date and expiration date, and the CSLB publishes it. Birdray loads the whole file weekly.
Are x-dates for other lines public?: In California, only workers' comp is on the licence record. General liability, auto and umbrella dates are not public; producers get them by asking on the first call, which is why the comp x-date is the door in.
How many California contractors renew each month?: 26,586 policies renew in the next 90 days statewide, out of 118,291 on file. January is the biggest month with 13,930 expirations.
How early should outreach start?: Most producers open 60 to 90 days out, when the incumbent's renewal quote hasn't landed and the owner is still open to a comparison. A second touch at 30 days and a last one in the final week catch late deciders. Birdray's plays default to that cadence.
Do x-date vendors cover California contractors?: Some do, sourced from the same CSLB file. What they usually lack is everything around the date: licence and bond status, new licences, permits, exemption changes, and the person to contact. That context is what Birdray adds.

Work the x-dates in your territory, automatically.

Birdray enrolls the contractors renewing in your territory, researches each one, writes the first email from a real fact, and sends it from your inbox 60 days out. One agency per territory.

How it works Search free

Sources: CSLB licence and workers' compensation records, California Secretary of State, OSHA, FMCSA, county permits. Aggregates only; no individual contractor appears on this page. "Active" means a CLEAR licence status. Renewal counts include policies on file with the CSLB expiring in the window. Refreshed weekly; this page as of 2026-09-02. Every field and its source →