Great American wants out. The insurer says seven policies rested on false statements - and it is asking a judge to erase them.
On June 16, 2026, Great American E & S Insurance Company filed suit in the US District Court for the Northern District of California, asking the court to rescind seven commercial general liability policies - to cancel them as if they never existed. The policyholders are a group of California real estate entities the complaint ties to the operation of Swaranjit "Mike" Nijjar.
The complaint describes the defendants as "members of hundreds of property management companies and real estate ownership entities" linked to Nijjar, his sister Daljit "DJ" Kler, and his adult sons - a group it labels "the Nijjar Entities." Those entities, the filing alleges, "control more than 22,000 housing units throughout the State of California."
For insurers, the story sits in the application. Great American says it issued the seven policies over about ten months, each naming a defendant entity as first named insured, with periods running from 2025 into 2027. Then it points to what the applicants wrote. MPN-14 Limited Partnership stated on its application for policy F353365 that it "abide[s] with all state tenant/landlord laws," and Golden Opportunity Investments LP said the same on its June 10, 2025 application, according to the complaint. Great American alleges both statements were false, claiming that on that same date, "local code enforcement agencies had issued code violations for many properties" the entities wanted covered.
The timing is the other thread. On June 17, 2025 - days after those applications - California Attorney General Rob Bonta filed a separate suit against Nijjar and related entities in Los Angeles County Superior Court, which the complaint calls "the AG Suit." That suit alleges the defendants violated tenant/landlord laws by "failing to comply with state and local building codes," breaching the Tenant Protection Act, "unlawfully evicting tenants," and "engaging in unfair leasing practices," according to the filing. Great American alleges the defendants "were on notice of the impending AG Suit" before they applied, citing a tolling agreement with "an effective date of January 1, 2023."
The legal toolkit is what claims teams will recognize. Great American relies on California Insurance Code sections governing false representations (Section 358), materiality (Section 334), and the right to rescind (Section 359). And because the entities are "members of the Nijjar Entities," the complaint argues, the alleged misrepresentations by MPN-14 and Golden Opportunity are "imputed" to the rest - the bridge it uses to reach all seven policies. The insurer wants each one wiped out back to its start date.
The Nijjar family members are not defendants in this insurance case. The complaint says they control the entity defendants and names them as defendants in the separate AG Suit.
None of these allegations has been tested in court. The defendants have not filed a response, and no judge has ruled.
