California Code — code.insurance.code.ins
Browse 4,511 sections in division code.insurance.code.ins of the California code. Each section page includes the full statutory text, official source links, and citation guidance.
Sections (showing up to 300)
- § 9. Whenever any reference is made to any portion of this code or of any other law of
- § 4. No action or proceeding commenced before this code takes effect, and no right acc
- § 11. The present tense includes the past and future tenses; and the future, the presen
- § 13. The singular number includes the plural, and the plural the singular.
- § 14.
- § 17.
- § 20.
- § 21.
- § 23. The person who undertakes to indemnify another by insurance is the insurer, and t
- § 26.
- § 30.
- § 33.
- § 34.
- § 37. Provisions of this code relating to a particular class of insurance or a particul
- § 38.6.
- § 41. All insurance in this State is governed by the provisions of this code.
- § 45.
- § 47.
- § 101. Life insurance includes insurance upon the lives of persons or appertaining there
- § 103. Marine insurance includes insurance against any and all kinds of loss of or damag
- § 105. Surety insurance includes: (a) The guaranteeing of behavior of persons and the gu
- § 107. Plate glass insurance includes insurance against breakage of glass.
- § 108. Liability insurance includes: (a) Insurance against loss resulting from liability
- § 108.1. Insurers admitted to transact liability insurance are also deemed to be admitted
- § 114. Sprinkler insurance includes insurance against loss through damage by water to go
- § 109. Workers
- § 116.6. Notwithstanding Section 116, a warranty issued by the warrantor of a vehicle prot
- § 119. Mortgage guaranty insurance includes insurance against financial loss by reason o
- § 123. An insurer admitted to transact liability insurance may extend such insurance on
- § 124.
- § 127. Unless the context otherwise requires, the general provisions hereinafter set for
- § 130. The following definitions govern this chapter: (a)
- § 131. An entity seeking to be licensed in this state as a risk retention group shall be
- § 132. Risk retention groups chartered, incorporated, or licensed in states other than t
- § 134. A purchasing group that intends to do business in this state shall, prior to doin
- § 411. An open policy is one in which the value of the subject matter is not agreed upon
- § 412. A valued policy is one which expresses on its face an agreement that the thing in
- § 390. When the description of the insured in a policy is so general that it may compreh
- § 396. An insurer shall do either of the following: (1) Maintain a verifiable process th
- § 410. A policy is either open or valued.
- § 440. A warranty is either express or implied.
- § 442. A particular form of words is not necessary to create a warranty.
- § 446. When, before the time arrives for the performance of a warranty relating to the f
- § 460. On and after January 1, 1972, every printed form of an insurance contract, includ
- § 480. An insurer is entitled to payment of the premium as soon as the subject matter in
- § 481. Unless the insurance contract otherwise provides, a person insured is entitled to
- § 481.5. Whenever a policy of personal lines insurance terminates for any reason, or there
- § 485. In case of an overinsurance by several insurers, the insured is entitled to a rat
- § 151. Any person except a public enemy may be insured.
- § 136. The powers authorized by this chapter shall only be exercised to the extent these
- § 138. There shall be no civil liability on the part of any agent or broker who places l
- § 250. Except as provided in this article, any contingent or unknown event, whether past
- § 280. If the insured has no insurable interest, the contract is void.
- § 283. A mere contingent or expectant interest in anything, not founded on an actual rig
- § 285. A carrier or depositary of any kind has an insurable interest in a thing held by
- § 301. A change of interest in a subject insured, after the occurrence of an injury whic
- § 305. The mere transfer of subject matter insured does not transfer the insurance, but
- § 334. Materiality is to be determined not by the event, but solely by the probable and
- § 500. Whenever any insurer has, as a regular course of conduct, sent renewal premium no
- § 487. When an overinsurance is effected by successive policies, those only contribute t
- § 488. No insurer shall, in issuing or renewing a private passenger automobile insurance
- § 520. An agreement not to transfer the claim of the insured against the insurer after a
- § 532. If a peril is specially excepted in a contract of insurance and there is a loss w
- § 533.5. No policy of insurance shall provide, or be construed to provide, any coverage or
- § 552. When preliminary proof of loss is required by a policy, the insured is not bound
- § 557.5. A peace officer, member of the Department of the California Highway Patrol, or fi
- § 560. An insurer that issues a policy providing automobile collision coverage, as defin
- § 570. Except in the event that the insurer has previously obtained a release on a loss,
- § 571. Where the insurer has authorized the work and its liability is not in dispute, th
- § 335. Each party to a contract of insurance is bound to know: (a) All the general cause
- § 339. Neither party to a contract of insurance is bound to communicate, even upon inqui
- § 351. A representation may be made at the time of, or before, issuance of the policy.
- § 355. A representation may be altered or withdrawn before the insurance is effected, bu
- § 358. A representation is false when the facts fail to correspond with its assertions o
- § 360. The materiality of a representation is determined by the same rule as the materia
- § 382.5. A binder which is issued in accordance with this section shall be deemed an insur
- § 383. It is a misdemeanor: (a) For any insurer, or any agent of any insurer, to issue a
- § 383.5.
- § 386. All policies issued by incorporated insurers shall be subscribed by the president
- § 590. A double insurance exists where the same person is insured by several insurers se
- § 620. A contract of reinsurance is one by which an insurer procures a third person to i
- § 623. The original insured has no interest in a contract of reinsurance.
- § 660. As used in this chapter: (a)
- § 661. A notice of cancellation of a policy shall be effective only if it is based on on
- § 662.1. Proof of mailing or delivery of a notice of cancellation to a lienholder or an ad
- § 663. Before policy expiration, an insurer shall deliver to or mail to the named insure
- § 664. Proof of mailing of notice of cancellation, or of intention not to renew or of re
- § 668. Section 663 shall not apply to policies of liability insurance issued pursuant to
- § 669. Any insurer willfully violating any provisions of Section 663 is guilty of a misd
- § 1581. Except as otherwise expressly provided for particular insurers, an alien insurer
- § 1732. A person acting as an insurance broker may, on behalf of an insurance company, co
- § 1. This act shall be known as the Insurance Code.
- § 3. All persons who, at the time this code goes into effect, hold office under any of
- § 1834. Such license shall be obtained only on a written application on a form prescribed
- § 1775.8. On and after January 1, 1994, and before January 1, 1995, every surplus line brok
- § 1631.5. Nothing in this article shall be deemed to affect the current operations of the H
- § 1758.61. The commissioner may issue to an applicant that has complied with the requirement
- § 1644. A person under 18 years of age is not eligible to apply for a license pursuant to
- § 1646. An organization is not eligible for a license under this chapter if its articles
- § 1924. Where any portion of the voyage contemplated by a policy differs from other porti
- § 1861.04. Full Disclosure of Insurance Information. (a) Upon request, and for a reasonable
- § 1961. A total loss is either actual or constructive.
- § 1560.16. The commissioner shall have the authority from time to time, to make, amend, and
- § 1758.98. Under the authority of the credit insurance agent license, a credit insurance age
- § 1758.991. Any insurer that provides insurance to be sold by an organization licensed as a c
- § 1694. A military service certificate of convenience shall terminate upon the relicensin
- § 1707.5. The commissioner in lieu of retaining in his or her files a copy of the notices o
- § 1712.5. The license of an organization licensed as a property broker-agent, casualty brok
- § 1703. Every applicant for an original license under this chapter, Chapter 5A (commencin
- § 1719. The commissioner shall not issue any permanent license within 30 days prior to th
- § 1725. A license to act as a resident property broker-agent, casualty broker-agent, pers
- § 1759.9. Where the services of an administrator are utilized, the administrator shall prov
- § 1758.9. No person shall sell or solicit any form of credit insurance in this state unless
- § 1758.91. The commissioner may issue to an applicant that has complied with the requirement
- § 1560.10. Upon consent by the commissioner to the plan of conversion of a domestic reciproc
- § 1759.5. The agreement shall make provision with respect to the underwriting or other stan
- § 1698. The military service certificate of convenience referred to in Section 1697 expir
- § 1759.7. All claims paid by the administrator from funds collected on behalf of the insure
- § 1758.94. The manager at each business location of an organization licensed as a credit ins
- § 1759.1. No administrator shall act as such without a written agreement between the admini
- § 1759.2. Whenever an insurer utilizes the services of an administrator under the terms of
- § 1707.51. Notwithstanding any other provision of law, qualified applicants who applied in p
- § 1760.6. For purposes of Section 1760.5,
- § 1561. Any law or ruling of any state of the United States or any foreign country which
- § 1760.7. In addition to the authority granted by Section 1760.5, the commissioner has the
- § 1763.2. A licensed surplus line broker may originate surplus lines business, or may accep
- § 1720. A licensee who has applied to renew a license under this chapter shall be entitle
- § 1727. The commissioner shall, after notice and hearing, promulgate reasonable rules and
- § 1760. A home state insured, as defined in subdivision (f) of Section 1760.1, may negoti
- § 1560.19. If the name of a domestic reciprocal insurer converting to a stock insurer pursua
- § 1583. The deposit required by Section 1581 (a) Shall be continuously maintained so long
- § 1585. If such deposit is not so maintained in this State, it shall be deemed to be in e
- § 1802.77. If the commissioner is satisfied from the application and the examination of the
- § 1587. Securities deposited with the commissioner pursuant to this article shall be spec
- § 1588. As long as the depositing insurer is solvent and the deposited securities are suf
- § 1802.75. The commissioner shall make an examination of the books and records of the applic
- § 1804. An applicant for bail license shall file with the commissioner an application in
- § 1582. The amount of such deposit shall be equal to the minimum amount of the paid-in ca
- § 956. An account or accounts in one or more banks or savings and loan associations the
- § 952. Whenever the laws of any other state or country, by reason of which Section 940 i
- § 970. The Wildfire Safety and Risk Mitigation Program is hereby established. (b) The pu
- § 971. The Wildfire Safety and Risk Mitigation Program shall be administered by the depa
- § 974. The Wildfire Safety and Risk Mitigation Account is hereby created within the Insu
- § 977. This article shall not be construed to limit or conflict with the commissioner
- § 980. As used in this article,
- § 985. On or after January 1, 1970, as used in this article and in subdivision (i) of Se
- § 986. A life insurer issuing policies on a reserve basis is insolvent whenever its asse
- § 995.1. An agent, broker, surplus line broker, general agent or other person operating un
- § 1175.5. Such insurers may invest in bonds of any county water district operating under Di
- § 1176.5. Such insurers may make, invest in or purchase loans which are guaranteed by the U
- § 1433. The commissioner
- § 1420. Savings or credits may be returned to the subscribers irrespective of the source
- § 1452. Process may be served upon the commissioner as provided in Article 1 (commencing
- § 1510. Any attorney-in-fact or representative of such an attorney who exchanges, or soli
- § 1530. In lieu of all other taxes, licenses or fees whatever, state or local, each excha
- § 1531. On and after January 1, 1994, and before January 1, 1995, every exchange and its
- § 1550. This article shall apply only to domestic reciprocal insurers organized after 197
- § 1552. The plan and agreement by which the transaction is to be effected shall be submit
- § 1554. If one of the insurers that is a party to the transaction is a domestic incorpora
- § 1555. If the vote is in the affirmative, a certified copy of all proceedings relating t
- § 1558. In the event a domestic reciprocal insurer is merged, is consolidated, or is part
- § 1748. The commissioner, in any proceeding under the provisions of this article, may, by
- § 1748.5. For the purposes of this section, the following definitions are applicable: (1)
- § 1749. The department shall require all new applicants for license to meet prelicensing
- § 1749.02.
- § 1749.1. The commissioner shall appoint a curriculum board consisting of representatives o
- § 799. The Legislature finds and declares all of the following: (1) Article 6.9 (commenc
- § 799.03. A life or disability income insurer shall not require a test for HIV or for the p
- § 799.04. A life or disability income insurer shall not require an applicant to undergo an
- § 799.05. A life or disability income insurer shall not consider the marital status, actual
- § 799.10. This section applies to the disclosure of the results of HIV tests requested by a
- § 799.11. This article shall become operative on January 1, 2023.
- § 801. The amendments made in any sections contained in this article by the Statutes of
- § 1749.33. A life agent licensee shall satisfactorily complete 24 hours of instruction, of w
- § 1749.4. The courses or programs of instruction successfully completed that shall be deeme
- § 1749.6. A person failing to meet the requirements imposed by Section 1749.3 or 1749.31, a
- § 1749.8. Every life agent who sells annuities shall satisfactorily complete eight hours of
- § 1749.81. A life agent licensed on or after January 1, 2024, who sells individual life insu
- § 1749.9. Nothing in this article shall require any person exempted from licensure by Secti
- § 1751. The commissioner shall require, in advance, a fee for filing the following docume
- § 1751.5. The fees required by this chapter and by Chapter 6 (commencing with Section 1760)
- § 1751.6. The commissioner may prepare a list of all currently licensed producers. All thos
- § 1752. The commissioner may issue a limited lines travel insurance agent license to any
- § 1753. As used in this article, the following terms have the following meanings: (a)
- § 823. A privilege pertaining to a security giving the holder the privilege to convert s
- § 805. The license of any licensee that is suspended by the Secretary of State shall bec
- § 816. No insurer shall pay any person given discretion as to settlement of claims under
- § 826.
- § 827.5. The term
- § 827.7. Where required by this article the commissioner is authorized to issue subscripti
- § 827.8. An offer or sale of voting common stock or preferred stock of and by a foreign or
- § 830. A person shall not issue, circulate, or publish any such advertisement or writing
- § 833. Every person who commits any of the acts specified in this section is guilty of a
- § 835. If the applicant is a partnership, unincorporated association, or joint stock com
- § 1756. The provisions of this chapter relating to the appointment and termination of an
- § 1757. The commissioner may adopt rules and regulations for the implementation of this a
- § 1757.3. The commissioner may make reasonable rules and regulations necessary for the conv
- § 1758.5. The commissioner may, pursuant to Chapter 4.5 (commencing with Section 11371), Pa
- § 1758.63. An endorsee of a portable electronics vendor that has been issued a portable elec
- § 1758.64. An endorsee may act on behalf of and under the supervision of the portable electr
- § 1758.66. A portable electronics insurance agent shall not sell insurance pursuant to this
- § 673. As used in this section,
- § 669.7. Notwithstanding Section 660, an insurer may deliver or issue an automobile liabil
- § 674.6. No insurer issuing policies of insurance subject to Section 674.5 or 675 shall ce
- § 674.9. Notwithstanding subdivision (b) of Section 674.6, an insurer issuing policies of
- § 675.1. In the case of a total loss to the primary insured structure under a policy of re
- § 675.5. In addition to any policy of insurance specified in Section 675, this chapter sha
- § 675.55.
- § 676.2. This section applies only to policies of commercial insurance that are subject to
- § 676.4. Nothing in Section 676.2 shall preclude, while the policies are in force, changes
- § 676.6. This section applies to commercial umbrella liability insurance policies, commerc
- § 676.7. No admitted insurer, licensed to issue and issuing homeowner
- § 676.75. No admitted insurer, licensed to issue and issuing homeowner
- § 676.8. This section applies only to policies of workers
- § 676.9. This section applies to policies covered by Sections 675 and 675.5. (b) No insure
- § 1181. Such insurers may also invest in registered warrants of this State, issued pursua
- § 1182. Domestic incorporated insurers may invest in an account or accounts in one or mor
- § 1186. No acquisitions or dispositions of assets shall be reported pursuant to Section 1
- § 1187. No nonrenewals, cancellations, or revisions of ceded reinsurance agreements shall
- § 1192.2. An insurer may lend on the security of a first lien on an unencumbered leasehold
- § 1192.4. No domestic insurer shall have more than 10 percent of its capital and surplus in
- § 1192.5. Excess funds investments may be made in all deposits and debt obligations of bank
- § 1192.8. A domestic life insurer having admitted assets aggregating in value not less than
- § 1192.9. Notwithstanding Section 1100, a domestic insurer may make excess funds investment
- § 1192.95. Notwithstanding Section 1100, an insurer may make excess funds investments in inv
- § 1194. Excess funds investments may be made in bonds issued by any county, municipality,
- § 1758.68. Any insurer that provides insurance to be sold by an organization licensed as a p
- § 1758.69. As used in this article, the following definitions have the following meanings: (
- § 1758.7. A self-service storage facility, or franchisee of a self-service storage facility
- § 1758.72. Each self-service storage agent shall provide an insurance training program for i
- § 1758.73. Any employee of a licensee who has been trained pursuant to Section 1758.72 may a
- § 1758.76. A licensee shall not sell insurance pursuant to this article unless all of the fo
- § 1758.77. A licensee shall not be required to treat moneys collected from renters purchasin
- § 1758.79. Any insurer that provides insurance to be sold by a self-service storage facility
- § 1758.81. An applicant for a car rental agent license under this article shall file the fol
- § 677.4. A notice of cancellation with respect to a policy covered under Section 675 shall
- § 678.
- § 678.1. This section applies only to policies of insurance of commercial insurance that a
- § 676.10. This section applies to policies covered by Section 675, 675.5, or 676.5 if the i
- § 679.5. Proof of mailing of a notice of cancellation and the reasons therefor or of inten
- § 679.7. Upon receiving a written request from an insured or the agent or broker of record
- § 679.72. No application for insurance specified in this chapter or insurance investigation
- § 679.74. An admitted insurer that is licensed to issue a policy of insurance upon real pro
- § 680. An insurer shall not transact any class of insurance which is not authorized by i
- § 685. When by or pursuant to the laws of any other state or foreign country any taxes,
- § 685.4. The provisions of this article shall also be applicable to reciprocals or interin
- § 685.5. The reduction in the gross premiums tax rate made by Section 12202.2 of the Reven
- § 688.4. At any time the board of directors of a domestic insurer may, by resolution, prov
- § 699.5. The ownership or financial control, in part, direct or indirect, of any domestic,
- § 700. A person shall not transact any class of insurance business in this state without
- § 700.01. In addition to any or all of the classes of insurance which it is permitted to tr
- § 700.04. Paid-in capital for life insurers is governed by Section 10510 of this code, for
- § 702. An insurer that maintains a certificate of authority to transact insurance in thi
- § 703.1. Any nonadmitted insurer that is an eligible surplus line insurer pursuant to Sect
- § 704.5. The commissioner may decline to grant or may suspend or revoke a certificate of a
- § 1758.97. A credit insurance agent shall not sell or offer to sell insurance pursuant to th
- § 1758.99. An organization licensed as a credit insurance agent shall prominently display it
- § 1758.992. As used in this article, the following definitions have the following meanings: (
- § 707. A domestic insurer shall, prior to admission, file with the commissioner a copy o
- § 706. Prior to admission each insurer shall file with the commissioner a certified copy
- § 709.5. Any insurer that is organized under the laws of any other state and is admitted t
- § 710. If there are any written articles of agreement or association, a copy thereof sha
- § 714. The commissioner shall require the payment of seventy-two dollars (
- § 717.1. Where the applicant is a wholly owned domestic subsidiary of an admitted domestic
- § 717.5. For purposes of Sections 700 and 717, the commissioner may determine that an insu
- § 726. The commissioner shall notify the Secretary of State of any refusal to issue a ce
- § 728. For the purposes of this section, the following definitions are applicable: (1)
- § 730. The commissioner, whenever he or she deems necessary or whenever he or she is req
- § 731. Whenever any foreign insurer applies for admission the commissioner may make, or
- § 1687. Except as provided in Section 1637, to be eligible for a military service certifi
- § 1702. All licenses issued pursuant to this chapter shall be issued to the holder thereo
- § 738. The commissioner shall have the same powers and authority to examine the State Co
- § 732. An insurer organized or existing under the laws of any country outside of the Uni
- § 739. As used in this article, these terms shall have the following meanings: (a)
- § 739.2. Every domestic insurer shall, on or prior to each March 15 (the
- § 739.3.
- § 739.4.
- § 739.5.
- § 739.6.
- § 739.8. All RBC Reports, to the extent the information within those reports is not requir
- § 739.10. Any foreign insurer shall, upon the written request of the commissioner, submit t
- § 739.11. If any provision of this article, or the application thereof to any person or cir
- § 740. Notwithstanding any other provision of law, and except as provided herein, any pe
- § 997. For statement purposes as defined in Article 10 (commencing with Section 900), fo
- § 1011. The superior court of the county in which the principal office of a person descri
- § 995.4. An insurer, notwithstanding the provisions of any contingent or retrospective com
- § 1011.5. The consent described in subdivision (c) of Section 1011 shall be obtained by fil
- § 1015. Immediately after such seizure, the commissioner shall institute a proceeding as
- § 1018. The recording in the office of a county recorder of any county in the State of an
- § 1020. Upon the issuance of an order either under Section 1011 or 1016, or at any time t
- § 1021. Upon the making of an order to liquidate the business of such person, the commiss
- § 1026. Whenever any person has a cause of action against an insured and such cause is co
- § 1028. A judgment taken by default, or by collusion, against an insured shall not be con
- § 742.24. To be eligible for a certificate of compliance, a self-funded or partially self-f
- § 742.245. A self-funded or partially self-funded multiple employer welfare arrangement shal
- § 742.20. The Legislature finds and declares the following: (a) An alternative to insurance
- § 742.22. It is the intent of the Legislature in enacting this article to allow a self-fund
- § 742.29. An association seeking to establish an employee welfare benefit plan by the use o
- § 742.30. The commissioner shall not issue a certificate of compliance to a self-funded or
- § 742.33. Books, records, and documents pertaining to the business of the multiple employer