reglab/statecodes huggingface dataset:
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1 - Classes of Insurance › Section 118.

118. Aircraft insurance includes insurance of aircraft owners, users, dealers or others having insurable interests therein, against loss through hazards incident to ownership, maintenance, operation and use of aircraft, other than against loss resulting from accident or physical injury, fatal or nonfatal, to any natural person.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1 - Classes of Insurance › Section 119.

119. Mortgage guaranty insurance includes insurance against financial loss by reason of the nonpayment of principal, interest and other sums agreed to be paid under the terms of any note or bond or other evidence of indebtedness secured by a mortgage, deed of trust, or other instrument constituting a lien or charge on real estate.
(Added by Stats. 1961, Ch. 719.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1 - Classes of Insurance › Section 119.5.

119.5. Insolvency insurance includes insurance against loss arising from the failure of an insolvent insurer to discharge its obligations under its insurance policies.
(Added by Stats. 1969, Ch. 1347.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1 - Classes of Insurance › Section 119.6.

119.6. Legal insurance includes the assumption of a contractual obligation to reimburse the insured against all or a portion of his fees, costs, and expenses related to or arising out of services performed by or under the supervision of an attorney who is an active member of the bar of any jurisdiction or jurisdictions of the United States, in which these legal services are performed.
Legal insurance does not include any of the following:
(a) Retainer contracts made by an individual lawyer or law firm with an individual client with the fee based on an estimate of the nature and the amount of services that will be provided to that specific client, and similar contracts made with a group of clients involved in the same or closely related legal matters (such as class actions);
(b) Plans providing no benefits other than consultation and advice on matters in connection with, or a part of, referral services.
(c) Plans providing limited benefits on simple legal matters on a voluntary and informal basis, not involving a legally binding promise, in the context of an employment or educational or similar relationship; or
(d) Legal services provided by labor unions or employee associations to their members in matters relating to employment or occupation.
(e) Legal service incidental to other insurance coverages.
The foregoing is not intended as an exclusive list of legal services plans or arrangements which do not constitute legal insurance as defined by this section.
(Added by Stats. 1974, Ch. 1161.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1 - Classes of Insurance › Section 120.

120. Miscellaneous insurance includes insurance against loss from damage done, directly or indirectly by lightning, windstorm, tornado, earthquake or insurance under an open policy indemnifying the producer of any motion picture, television, theatrical, sport, or similar production, event, or exhibition against loss by reason of the interruption, postponement, or cancellation of such production, event, or exhibition due to death, accidental injury, or sickness preventing performers, directors, or other principals from commencing or continuing their respective performance or duties; and any insurance not included in any of the foregoing classes, and which is a proper subject of insurance.
(Amended by Stats. 1951, Ch. 566.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1 - Classes of Insurance › Section 121.

121. Except as otherwise stated, the enumeration in this chapter of the kinds of insurance in a particular class does not limit any such kind to any one of such particular classes, inasmuch as the classification of similar insurance may vary with the subject matter, risk, and connected insurances; but the fact that similar kinds of insurance occur in different classes does not extend or change the scope of any such class.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1 - Classes of Insurance › Section 122.

122. (a) An insurer admitted for all the classes of insurance defined in Sections 102, 107, 108, 112, and 120 is authorized, in addition to the underwriting powers granted by such classes, to include any and all insurance described in paragraph (b) in a policy which contains fire coverage written on a form complying with either Section 2070 or 2071 and which provides insurance covering only noncommercial risks and covering either residence properties (not more extensive than a four-family dwelling) and appurtenances, or the contents thereof other than merchandise, or both.
(b) Such insurance is any or all insurance against all risks of physical loss of, damage to, or personal liability (except workers’ compensation) for injury to person or damage to property incident to, any or all of the following:
(1) The location described and property covered by the fire insurance policy as described in subdivision (a),
(2) Personal effects,
(3) Boats not over 16 feet in length (including furnishings, equipment, outboard motors, and trailers); provided the physical loss or damage coverage does not exceed five hundred dollars ($500),
(4) Personal property intended primarily for residential or recreational use, (excluding boats except as provided above),
(5) Farm implements or self-propelled vehicles, excluding automobiles and aircraft, and,
(6) Horses, including accouterments and vehicles or implements to be drawn thereby.
(Amended by Stats. 2018, Ch. 231, Sec. 4. (AB 2045) Effective January 1, 2019.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1 - Classes of Insurance › Section 123.

123. An insurer admitted to transact liability insurance may extend such insurance on noncommercial or farm risks to include insurance of the legal liability of the insured for damage to property caused by use of “teams” or “vehicles” as the meaning thereof is limited by Section 115.
(Added by Stats. 1961, Ch. 369.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1 - Classes of Insurance › Section 124.5.

124.5. “Homeowners’ insurance” means insurance covering the risks described in subdivision (a) of Section 675.
(Added by Stats. 2005, Ch. 447, Sec. 1. Effective January 1, 2006.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1.5 - Risk Retention › Section 126.

126. The Legislature finds and declares that the provisions of this chapter are for the purpose of providing a means for a bona fide for-profit or nonprofit association or individual business to insure against liability and those obligations imposed by statute.
(Added by Stats. 1990, Ch. 1521, Sec. 1.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1.5 - Risk Retention › Section 127.

127. Unless the context otherwise requires, the general provisions hereinafter set forth shall govern the application of this chapter and supersede any other provisions of law in conflict.
(Added by Stats. 1990, Ch. 1521, Sec. 1.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1.5 - Risk Retention › Section 128.

128. The purposes of this chapter are as follows:
(a) To regulate the formation and operation of risk retention groups and purchasing groups in this state formed pursuant to the federal Liability Risk Retention Act of 1986, to the extent permitted by that law.
(b) To promote the formation and operation of risk retention groups and purchasing groups in this state. Californians who are experiencing difficulty in obtaining liability coverage are encouraged to form and operate risk retention and purchasing groups in this state.
(c) To authorize the formation of a risk retention group for directors and officers of corporations, whether for profit or nonprofit, who are engaged in the same line of business with respect to the liability risks faced by those officers and directors within the meaning of the federal Liability Risk Retention Act of 1986.
(Added by Stats. 1990, Ch. 1521, Sec. 1.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1.5 - Risk Retention › Section 133.

133. (a) No risk retention group shall be required or permitted to join or contribute financially to any insurance insolvency guaranty fund, or similar mechanism, in this state, nor shall any risk retention group, or its insureds or claimants against its insureds, receive any benefit from any such fund for claims arising under the insurance policies issued by that risk retention group.
(b) When a purchasing group obtains insurance covering its members’ risks from an insurer not authorized in this state or a risk retention group, no such risks, wherever located, shall be covered by any insurance guaranty fund or similar mechanism in this state.
(c) When a purchasing group obtains insurance covering its members’ risks from an authorized admitted insurer, only risks located in this state shall be covered by the state insurance guaranty fund.
(d) A risk retention group shall not participate in this state’s joint underwriting associations, California Automobile Assigned Risk Plan, Fair Access to Insurance Requirements Plan, and market assistance plans.
(Added by Stats. 1990, Ch. 1521, Sec. 1.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1.5 - Risk Retention › Section 135.

135. (a) No purchasing group may offer insurance policy coverage prohibited by Section 533.5 or declared invalid by the Supreme Court of California.
(b) A purchasing group which obtains liability insurance from an insurer not admitted in this state or a risk retention group shall inform each of the members of the group which have a risk resident or located in this state all of the following:
(1) The risk is not protected by an insurance insolvency guaranty fund in this state.
(2) The risk retention group or such insurer may not be subject to all insurance laws and regulations of this state.
(Amended by Stats. 1991, Ch. 1040, Sec. 5.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1.5 - Risk Retention › Section 136.

136. The powers authorized by this chapter shall only be exercised to the extent these powers are not preempted by the Product Liability Risk Retention Act of 1981, as amended by the Risk Retention Amendments of 1986.
(Added by Stats. 1990, Ch. 1521, Sec. 1.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1.5 - Risk Retention › Section 137.

137. (a) No person, firm, association, or corporation shall act or aid in any manner in soliciting, negotiating, or procuring liability insurance in this state from a risk retention group unless that person, firm, association, or corporation is licensed as a casualty broker-agent in accordance with Chapter 5 (commencing with Section 1621) of Part 2 and is authorized to act as an insurance broker; except salaried employees or officers of a risk retention group, provided no part of the compensation of that person is on a commission basis or otherwise based on production of business.
(b) No person, firm, association, or corporation shall act or aid in any manner in soliciting, negotiating, or procuring liability insurance from an insurer not authorized to do business in this state on behalf of a purchasing group located in this state unless that person, firm, association, or corporation is licensed as a surplus line broker in accordance with Chapter 6 (commencing with Section 1760) of Part 2. A nonresident person may be licensed as a surplus line broker for purposes of placing insurance on behalf of a purchasing group.
(c) Any person, firm, association, or corporation licensed pursuant to Chapter 5 (commencing with Section 1621) of Part 2, on business placed with risk retention groups or written through a purchasing group, shall inform each prospective insured of the provisions of the notice required by subdivision (g) of Section 132 in the case of a risk retention group and subdivision (b) of Section 135 in the case of a purchasing group.
(Amended by Stats. 2011, Ch. 411, Sec. 2. (AB 1416) Effective January 1, 2012.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1.5 - Risk Retention › Section 138.

138. There shall be no civil liability on the part of any agent or broker who places liability insurance coverage on behalf of any risk retention group which is incorporated and licensed in this state in the event of an insolvency by the risk retention group.
(Added by Stats. 1990, Ch. 1521, Sec. 1.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 1.5 - Risk Retention › Section 140.

140. The commissioner may order a purchasing group or risk retention group to cease and desist from the solicitation or sale of insurance by, or the operations of, a risk retention group or purchasing group whose officers, organizers, or directors have engaged in any of the acts or omissions set forth in subdivision (a) of Section 1668.5. That order shall be made in accordance with the procedures set forth in Article 14.5 (commencing with Section 1065.1) of Chapter 1 of Part 2.
(Amended by Stats. 1991, Ch. 1040, Sec. 7.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 1 - Parties to the Contract: Generally › Section 150.

150. Any person capable of making a contract may be an insurer, subject to the restrictions imposed by this code.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 2 - Parties to Contract: Mortgagor and Mortgagee › Section 170.

170. Unless the policy otherwise provides, if a mortgagor of property effects insurance in his own name providing that the loss shall be payable to the mortgagee, or assigns a policy of insurance to a mortgagee, the insurance is deemed to be upon the interest of the mortgagor and the mortgagor does not cease to be a party to the original contract.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 2 - Parties to Contract: Mortgagor and Mortgagee › Section 171.

171. In case of such a provision or assignment, any act of the mortgagor, prior to the loss and which would otherwise avoid the insurance, will have the same effect, although the property is in the hands of the mortgagee; but any act which, under the contract of insurance, is to be performed by the mortgagor, may be performed by the mortgagee therein named, with the same effect as if it had been performed by the mortgagor.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 2 - Parties to Contract: Mortgagor and Mortgagee › Section 172.

172. If an insurer assents to the transfer of insurance from a mortgagor to a mortgagee, and, at the time of the assent, imposes further obligations on the assignee, the acts of the mortgagor cannot affect the rights of the assignee.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 3 - Events Subject to Insurance › Section 250.

250. Except as provided in this article, any contingent or unknown event, whether past or future, which may damnify a person having an insurable interest, or create a liability against him, may be insured against, subject to the provisions of this code.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 3 - Events Subject to Insurance › Section 253.

253. On and after January 1, 1986, no insurer shall issue or amend contracts of insurance in this state to provide coverage for the payment of any damages awarded to a person because of Section 1029.8 of the Code of Civil Procedure.
(Added by Stats. 1985, Ch. 895, Sec. 2.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 4 - Insurable Interest: Generally › Section 280.

280. If the insured has no insurable interest, the contract is void.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 4 - Insurable Interest: Generally › Section 281.

281. Every interest in property, or any relation thereto, or liability in respect thereof, of such a nature that a contemplated peril might directly damnify the insured, is an insurable interest.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 4 - Insurable Interest: Generally › Section 282.

282. An insurable interest in property may consist in:
1. An existing interest;
2. An inchoate interest founded on an existing interest; or,
3. An expectancy, coupled with an existing interest in that out of which the expectancy arises.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 4 - Insurable Interest: Generally › Section 283.

283. A mere contingent or expectant interest in anything, not founded on an actual right to the thing, nor upon any valid contract for it, is not insurable.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 4 - Insurable Interest: Generally › Section 284.

284. Except in the case of a property held by the insured as a carrier or depositary, the measure of an insurable interest in property is the extent to which the insured might be damnified by loss or injury thereof.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 4 - Insurable Interest: Generally › Section 285.

285. A carrier or depositary of any kind has an insurable interest in a thing held by him as such, to the extent of its value.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 4 - Insurable Interest: Generally › Section 286.

286. An interest in property insured must exist when the insurance takes effect, and when the loss occurs, but need not exist in the meantime; an interest in the life or health of a person insured must exist when the insurance takes effect, but need not exist thereafter or when the loss occurs.
(Amended by Stats. 1935, Ch. 308.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 4 - Insurable Interest: Generally › Section 287.

287. Every stipulation in a policy of insurance for the payment of loss whether the person insured has or has not any interest in the property insured, or that the policy shall be received as proof of such interest, is void.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 5 - Insurable Interest: Effect of Transfer › Section 300.

300. Except in the cases specified in the next four sections, and in the cases of life and disability insurance, a change of interest in any part of a subject insured, unaccompanied by a corresponding change of interest in the insurance, suspends the insurance to an equivalent extent until the interest in the subject and the interest in the insurance are vested in the same person.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 5 - Insurable Interest: Effect of Transfer › Section 301.

301. A change of interest in a subject insured, after the occurrence of an injury which results in a loss, does not affect the right of the insured to indemnity for the loss.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 5 - Insurable Interest: Effect of Transfer › Section 302.

302. A change of interest in one or more of several distinct subjects, separately insured by one policy, does not avoid the insurance as to the others.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 5 - Insurable Interest: Effect of Transfer › Section 303.

303. A change of interest by will or succession, on the death of the insured, does not avoid insurance; and his interest in the insurance passes to the person taking his interest in the subject matter insured.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 5 - Insurable Interest: Effect of Transfer › Section 304.

304. In the case of partners, joint owners, or owners in common, who are jointly insured, a transfer of interest by one to another thereof does not avoid insurance, even though it has been agreed that the insurance shall cease upon an alienation of the subject insured.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 2 - Parties, Events, and Interests › ARTICLE 5 - Insurable Interest: Effect of Transfer › Section 305.

305. The mere transfer of subject matter insured does not transfer the insurance, but suspends it until the same person becomes the owner of both the insurance and the subject matter insured.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 1 - Concealment › Section 330.

330. Neglect to communicate that which a party knows, and ought to communicate, is concealment.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 1 - Concealment › Section 331.

331. Concealment, whether intentional or unintentional, entitles the injured party to rescind insurance.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 1 - Concealment › Section 332.

332. Each party to a contract of insurance shall communicate to the other, in good faith, all facts within his knowledge which are or which he believes to be material to the contract and as to which he makes no warranty, and which the other has not the means of ascertaining.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 1 - Concealment › Section 333.

333. Neither party to a contract of insurance is bound to communicate information of the matters following, except in answer to the inquiries of the other:
1. Those which the other knows.
2. Those which, in the exercise of ordinary care, the other ought to know, and of which the party has no reason to suppose him ignorant.
3. Those of which the other waives communication.
4. Those which prove or tend to prove the existence of a risk excluded by a warranty, and which are not otherwise material.
5. Those which relate to a risk excepted from insurance, and which are not otherwise material.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 1 - Concealment › Section 334.

334. Materiality is to be determined not by the event, but solely by the probable and reasonable influence of the facts upon the party to whom the communication is due, in forming his estimate of the disadvantages of the proposed contract, or in making his inquiries.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 1 - Concealment › Section 335.

335. Each party to a contract of insurance is bound to know:
(a) All the general causes which are open to his inquiry equally with that of the other, and which may affect either the political or material perils contemplated.
(b) All the general usages of trade.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 1 - Concealment › Section 336.

336. The right to information of material facts may be waived, either (a) by the terms of insurance or (b) by neglect to make inquiries as to such facts, where they are distinctly implied in other facts of which information is communicated.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 1 - Concealment › Section 337.

337. Information of the nature or amount of the interest of one insured need not be communicated unless in answer to an inquiry, except as prescribed by section 381, or by the provisions of the insurance contract if such provisions are prescribed by this code as part of a standard form.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 1 - Concealment › Section 338.

338. An intentional and fraudulent omission, on the part of one insured, to communicate information of matters proving or tending to prove the falsity of a warranty, entitles the insurer to rescind.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 1 - Concealment › Section 339.

339. Neither party to a contract of insurance is bound to communicate, even upon inquiry, information of his own judgment upon the matters in question.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 2 - Representation › Section 353.

353. A representation as to the future is a promise, unless it is merely a statement of a belief or an expectation.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 2 - Representation › Section 354.

354. A representation cannot qualify an express provision in a contract of insurance; but it may qualify an implied warranty.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 2 - Representation › Section 356.

356. The completion of the contract of insurance is the time to which a representation must be presumed to refer.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 2 - Representation › Section 357.

357. When an insured has no personal knowledge of a fact, he may nevertheless repeat information which he has upon the subject, and which he believes to be true, with the explanation that he does so on the information of others; or he may submit the information, in its whole extent, to the insurer. In neither case is he responsible for its truth, unless it proceeds from an agent of the insured, whose duty it is to give the information.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 2 - Representation › Section 359.

359. If a representation is false in a material point, whether affirmative or promissory, the injured party is entitled to rescind the contract from the time the representation becomes false.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 2 - Representation › Section 360.

360. The materiality of a representation is determined by the same rule as the materiality of a concealment.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 3 - Negotiations Before Execution › ARTICLE 2 - Representation › Section 361.

361. The provisions of this chapter apply as well to a modification of a contract of insurance as to its original formation.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 381.

381. A policy shall specify:
(a) The parties between whom the contract is made.
(b) The property or life insured.
(c) The interest of the insured in property insured, if he is not the absolute owner thereof.
(d) The risks insured against.
(e) The period during which the insurance is to continue.
(f) Either:
(1) A statement of the premium, or
(2) If the insurance is of a character where the exact premium is only determinable upon the termination of the contract, a statement of the basis and rates upon which the final premium is to be determined and paid.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 381.1.

381.1. (a) The information described in subdivision (b) shall be provided to the policyholder at the time of application for, or issuance of, a policy of automobile insurance, as defined in Section 660, and in each renewal notice sent prior to the renewal of the policy. However, information described in paragraphs (1) and (2) of subdivision (b) may be provided to the policyholder separately upon request. The information shall not be presented as an abbreviation or code unless a key to the abbreviations or codes used is also included.
(b) For each rated driver or vehicle, as applicable, the number of incidents or other relevant data that apply to each of the following categories:
(1) Traffic convictions.
(2) At-fault accidents (property damage or bodily injury).
(3) Estimated annual mileage driven.
(4) Years of driving experience.
(5) Vehicle use (e.g., pleasure, commute, business).
(6) ZIP Code of the location where the vehicle is garaged, if different from the mailing address of the policyholder.
(7) Driver-related discounts applied.
(8) Vehicle-related discounts or surcharges applied.
(c) The disclosure of information required by this section may contain additional provisions that are not in conflict with, or derogation of, these provisions.
(d) Each insurer shall comply with this section no later than March 1, 2004.
(Added by Stats. 2003, Ch. 360, Sec. 1. Effective January 1, 2004.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 381.2.

381.2. When a policy includes coverage for loss or damage to a specific item of personal property of the insured, which item is separately listed and described and on which item a separate amount of insurance is placed, the insurer shall compute any total loss of such item of personal property as being the amount of insurance placed on it. In the adjustment of a partial loss or damage to such item of covered property, the separately listed amount of insurance applying to the specific item shall be used as the value of the item prior to its partial loss or damage. If a different method is to be used in the computation of loss, the policy, and any application therefor, shall set forth, in type of prominent size, the actual method of such loss computation used by the insurer.
The provisions of this subdivision shall not apply to any property used for a business purpose or to any motor vehicle.
If there are two or more policies insuring the same property against the loss, the loss shall be prorated among the policies.
(Amended by Stats. 1974, Ch. 653.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 381.5.

381.5. (a) Every policy issued, amended, delivered, or renewed in this state shall provide coverage for the registered domestic partner of an insured or policyholder that is equal to, and subject to the same terms and conditions as, the coverage provided to a spouse of an insured or policyholder. A policy may not offer or provide coverage for a registered domestic partner if it is not equal to the coverage provided for the spouse of an insured or policyholder. This subdivision applies to all forms of insurance regulated by this code.
(b) A policy subject to this section that is issued, amended, delivered, or renewed in this state on or after January 1, 2005, shall be deemed to provide coverage for registered domestic partners that is equal to the coverage provided to a spouse of an insured or policyholder.
(c) It is the intent of the Legislature that, for purposes of this section, “terms,” “conditions,” and “coverage” do not include instances of differential treatment of domestic partners and spouses under federal law.
(Added by Stats. 2004, Ch. 488, Sec. 3. Effective January 1, 2005.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 382.

382. Covering notes may be issued to bind insurance temporarily pending the issuance of the policy. Within 90 days after issue of a covering note a policy shall be issued in lieu thereof, including within its terms the identical insurance bound under the covering note and premium therefor.
Covering notes may be extended or renewed beyond such 90 days with the written approval of the commissioner if the commissioner determines that such extension is not contrary to and is not for the purpose of violating any provision of this code. The commissioner may promulgate rules and regulations governing such extensions for the purpose of preventing such violations and may by such rules and regulations dispense with the requirement of written approval by him in the case of extensions in compliance with such rules and regulations.
(Amended by Stats. 1943, Ch. 872.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 383.

383. It is a misdemeanor:
(a) For any insurer, or any agent of any insurer, to issue a policy in violation of the requirements of subdivision (f) of section 381.
(b) For any insurance agent or broker to assist in arranging for the insurance where the policy violates such requirements.
(c) For any insurer to violate the provisions of section 382.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 383.6.

383.6. The phrase “motor vehicle” or “motor vehicles” as used in Section 383.5 includes, but is not limited to:
(a) Trailers, house trailers, mobilehomes, campers and all other wheeled vehicles or nonwheeled structures so made as to be capable of being moved as a compatible portion thereof, or trailed behind, any motor vehicle as that term is defined in the Vehicle Code, whether in immobile position or not.
(b) Motorcycles, motorbikes and motor scooters, except powered bicycles not manufactured for inclusion of a motor.
All present or future rules or regulations promulgated by the commissioner pursuant to Section 383.5 shall be applicable to motor vehicles as defined in this section.
(Added by Stats. 1967, Ch. 452.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 384.

384. (a) A certificate of insurance or verification of insurance provided as evidence of insurance in lieu of an actual copy of the insurance policy shall contain the following statements or words to the effect of:
This certificate or verification of insurance is not an insurance policy and does not amend, extend or alter the coverage afforded by the policies listed herein. Notwithstanding any requirement, term, or condition of any contract or other document with respect to which this certificate or verification of insurance may be issued or may pertain, the insurance afforded by the policies described herein is subject to all the terms, exclusions and conditions of the policies.
(b) This section is not applicable to a surplus line broker certificate as defined in Section 48.
(Amended by Stats. 2000, Ch. 135, Sec. 107. Effective January 1, 2001.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 386.

386. All policies issued by incorporated insurers shall be subscribed by the president or vice president, or chairman, or chief executive officer, or, in case of the death, absence, or disability of those officers, by any two of the directors, and countersigned by the secretary of the corporation. All such policies are as binding and obligatory upon the corporation as if executed over the corporate seal.
(Amended by Stats. 1990, Ch. 539, Sec. 1.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 387.

387. When the name of the person intended to be insured is specified in a policy, it can be applied only to his own interest.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 388.

388. When an insurance contract is executed with an agent or trustee as the insured, the fact that his principal or beneficiary is the real party in interest may be indicated by describing the insured as agent or trustee, or by other general words in the policy.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 389.

389. To render an insurance effected by one partner or part-owner applicable to the interest of his copartners, or of other part-owners, it is necessary that the terms of the policy should be such as are applicable to the joint or common interest.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 390.

390. When the description of the insured in a policy is so general that it may comprehend any person or any class of persons, only he who can show that it was intended to include him can claim the benefit of the policy.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 391.

391. A policy may be so framed that it will inure to the benefit of whomsoever, during the continuance of the risk, becomes the owner of the interest insured.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 392.

392. Any exception from the risk generally covered by a policy of insurance which insures property for the period of time when such property is under the dominion and control of a party other than the insured for the purpose of storage or for the purpose of transferring such property to another location shall be printed in at least eight-point blackface type.
(Added by Stats. 1968, Ch. 135.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 394.

394. (a) The commissioner may approve insurance policies and associated materials in languages other than English if the following conditions are met:
(1) The policyholder is given a copy of the same material in English.
(2) The English version is the official version.
(3) A policyholder document in a language other than English shall contain a disclosure statement in both that language and in English that states that the English version is the official version and the foreign language version is for informational purposes only.
(b) An insurer that knowingly misrepresents information provided in a language other than English shall be subject to Article 6.5 (commencing with Section 790) of Chapter 1 of Part 2.
(Added by Stats. 2002, Ch. 358, Sec. 1. Effective January 1, 2003.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 1 - Definition and Scope › Section 395.

395. After a covered loss, an insurer shall provide, free of charge, a complete copy of the insured’s current insurance policy or certificate within 30 calendar days of receipt of a request from the insured. The period for providing the insurance policy or certificate may be extended by the commissioner. An insured who does not experience a covered loss shall, upon request, be entitled to one free copy of his or her current insurance policy or certificate annually. The insurance policy or certificate provided to the insured shall include, where applicable, the policy declarations page. This section shall not apply to commercial policies issued pursuant to Sections 675.5 and 676.6, and policies of workers’ compensation insurance, as defined in Section 109.
(Amended by Stats. 2014, Ch. 71, Sec. 96. (SB 1304) Effective January 1, 2015.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 2 - Types of Policies › Section 411.

411. An open policy is one in which the value of the subject matter is not agreed upon, but is left to be ascertained in case of loss.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 2 - Types of Policies › Section 412.

412. A valued policy is one which expresses on its face an agreement that the thing insured shall be valued at a specified sum.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 2 - Types of Policies › Section 413.

413. A running policy is one which contemplates successive insurances, and which provides that the object of the policy may be from time to time defined, especially as to the subjects of insurance, by additional statements or indorsements.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 3 - Insurer s Name on Policy › Section 430.

430. The policies issued by every insurer shall be entitled by its own name or a name approved by the commissioner under Section 881 or 882, printed on each policy in large bold type in at least as large as any other size type used in the policy or on the face page.
(Amended by Stats. 1979, Ch. 737.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 4 - Warranties › Section 441.

441. A statement in a policy of a matter relating to the person or thing insured, or to the risk, as a fact, is an express warranty thereof.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 4 - Warranties › Section 443.

443. Every express warranty made at or before the execution of a policy shall be contained in the policy itself, or in another instrument signed by the insured and referred to in the policy, as making a part of it.
(Enacted by Stats. 1935, Ch. 145.)
2023 California Code › Insurance Code - INS › DIVISION 1 - GENERAL RULES GOVERNING INSURANCE › PART 1 - THE CONTRACT › CHAPTER 4 - The Policy › ARTICLE 4 - Warranties › Section 445.

445. A statement in a policy, which imports that there is an intention to do or not to do a thing which materially affects the risk, is a warranty that such act or omission will take place.
(Enacted by Stats. 1935, Ch. 145.)