reglab/statecodes huggingface dataset:
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.8 - Credit Life and Credit Disability Insurance: Premium Rates › Section 2248.45 - Effective Date

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) This
				  Article, effective October 1, 2001 governs the premiums charged (including
				  refunds made for early terminations) for all individual credit insurance
				  policies and group credit insurance certificates with effective dates on or
				  after October 1, 2001, and the premiums charged after such date under
				  previously issued credit insurance policies or certificates covering Open End
				  plans of indebtedness.
(b) Prior to
				  January 1, 2002, insurers shall not be deemed to be in violation of this
				  Article if they are in compliance with this Article as it existed on December
				  31, 2000.
(c) Approved upward
				  deviated rates in effect on September 30, 2001 shall be redetermined and
				  refiled for approval pursuant to Section
				  2248.42 or be reduced on January
				  1, 2002 to the prima facie rates herein. The calculation of loss ratio for the
				  refiling shall use earned premium based on the prima facie rates
				  herein.
1. New
					 section filed 4-14-94; operative 5-16-94. Submitted to OAL for printing only
					 pursuant to Government Code section
					 11343(a)(1)
					 (Register 94, No. 15).
2. Amendment of section and NOTE filed
					 10-2-2001; operative 10-1-2001. Submitted to OAL for printing only pursuant to
					 Government Code section
					 11340.9(g)
					 (Register 2001, No. 40).
Note: Authority cited: Sections
						779.21 and
						779.36,
						Insurance Code. Reference: Sections
						779.9,
						779.13,
						779.16 and
						779.36,
						Insurance Code; Sections
						18191,
						18290-
						18292,
						22314,
						22315 and
						22455,
						Financial Code; and Credit Insurance General Agents Association v. Payne,
						(1976) 16 Cal. 3d 651.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.8 - Credit Life and Credit Disability Insurance: Premium Rates › Section 2248.46 - Severability

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
If any provision of this Article or its application to any
					 person or circumstance is held invalid for any reason, the rest of this Article
					 and the application of such provision to any other person or circumstances
					 shall not be affected.
1. New
					 section filed 4-14-94; operative 5-16-94. Submitted to OAL for printing only
					 pursuant to Government Code section
					 11343(a)(1)
					 (Register 94, No. 15).
Note: Authority cited: Section
						779.21,
						Insurance Code. Reference: Section
						779.36,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.8 - Credit Life and Credit Disability Insurance: Premium Rates › Section 2248.48 - Reporting Forms. [Repealed]

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
1. New
					 section filed 4-14-94; operative 5-16-94. Submitted to OAL for printing only
					 pursuant to Government Code section
					 11343(a)(1)
					 (Register 94, No. 15).
2. Repealer filed 10-2-2001; operative
					 10-1-2001. Submitted to OAL for printing only pursuant to Government Code
					 section
					 11340.9(g)
					 (Register 2001, No. 40).
Note: Authority cited: Sections
						779.21 and
						779.36,
						Insurance Code. Reference: Sections
						779.9 and
						779.36,
						Insurance Code; Sections
						18191,
						18290-
						18292,
						22458.1,
						22458.2,
						24458.1 and
						24458.2,
						Financial Code; and Credit Insurance General Agents Association v. Payne,
						(1976) 16 Cal. 3d 651.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.9 - Standard Credit Life and Credit Disability Policy Forms › Section 2249 - Authority and Purpose. [Repealed]

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
1. New
					 Article 6.9 (Sections
					 2249-2249.17) filed 4-26-78;
					 designated effective 6-1-78 (Register 78, No. 17). For history of former
					 Article 6.9, see Registers 63, No. 15; 69, No. 9; and 69, No. 24.
2.
					 Repealer filed 7-25-83; effective thirtieth day thereafter (Register 83, No.
					 31).
Note: Authority cited: Sections
						779.21 and
						779.27,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.9 - Standard Credit Life and Credit Disability Policy Forms › Section 2249.1 - Table of Contents

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
2249.2.
Forms Subject to Prior Substantive
							 Review and Approval
2249.3.
Administration of Forms
2249.4.
Forms Subject to Prior to Presumptive
							 Approval; Maintenance of File; Certificate of Compliance.
2249.5.
Reservation of Right to Require Prior
							 Approval
2249.6.
Instructions for Drafting and
							 Use
2249.7.
Identification Number Chart
2249.8.
List of Block Numbers for Each
							 Identification Number--Individual Policies.
2249.9.
List of Block Numbers for Each
							 Identification Number Group Certificates.
2249.10.
Schedule Blocks
2249.11.
Application Blocks
2249.12.
Policy and Certificate Blocks
2249.13.
Notice of Proposed Insurance
							 Blocks
2249.14.
Sample Certificate (Identification
							 Number 11).
2249.15.
Effective Date
2249.16.
Severability Provision.
1. Amendment
					 filed 7-25-83; effective thirtieth day thereafter (Register 83, No.
					 31).
2. Amendment filed 10-2-2006; operative 11-1-2006 (Register
					 2006, No. 40).
Note: Authority cited: Section
						779.27,
						Insurance Code. Reference: Section
						779.27,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.9 - Standard Credit Life and Credit Disability Policy Forms › Section 2249.2 - Forms Subject to Prior Substantive Review and Approval

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
The following credit life and/or credit disability
					 insurance forms shall be submitted to the Commissioner for his prior
					 substantive review and approval following the procedures established by
					 Sections 2201 through
					 2217 of this Subchapter.
(a) Standard forms for use by an insurer
				  which has not actively transacted a substantial volume of credit life and/or
				  disability insurance business in the State of California for a year prior to
				  the date upon which the forms are proposed to be issued, unless and until such
				  prior substantive review is expressly waived by the Commissioner in
				  writing.
(b) Forms intended for use
				  in lieu of the standard forms established by this Article. Cover letters for
				  submission of such forms shall prominently state that the forms are to be
				  issued in lieu of standard forms.
(c) Forms or provisions in forms not
				  otherwise subject to this Section which provide coverage in addition to or
				  different from the coverage provided by the forms established by this
				  Article.
(d) Forms described in
				  subsections (b) and (c) of this Section shall be drafted in text designed to be
				  readily understood and interpreted by the persons insured thereunder and shall
				  be based, to the extent possible, upon the standard forms established.
				  Non-standard language in such forms shall be "highlighted" when they are
				  submitted for review. Each such form shall use the Identification Number of the
				  standard form upon which it was based, with "NON STD" added as a prefix or
				  suffix.
The Commissioner shall disapprove such a form:
(1) If it would produce experience statistics
				  which would not be readily usable in developing prima facie premium
				  rates.
(2) If it uses atypical
				  language or format and would, therefore, hinder consumer education.
(3) If it is not established to his
				  satisfaction that its use will be more beneficial to the citizens of this State
				  than the use of standard forms;
(4)
				  It does not comply with any other applicable statute or
				  regulation.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.9 - Standard Credit Life and Credit Disability Policy Forms › Section 2249.3 - Administration of Forms

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
In addition to all other applicable statutes and
					 regulations, the following rules shall be followed in administering the forms
					 subject to this Article.
(a) Where a
				  new policy or certificate is issued because of the renewal or refinancing of an
				  indebtedness previously insured, any time which had accumulated toward the
				  satisfaction of any waiting or elimination period under the preceding coverage
				  shall be credited toward the satisfaction of such period under the new policy
				  or certificate. Credit shall apply to the extent that the type of coverage is
				  the same under the old and new policies or certificates and to the extent of
				  the indebtedness carried over from the old indebtedness. Any eligibility
				  requirement (such as "active-at-work") which was satisfied under the preceding
				  coverage shall be waived under the new coverage to the extent of the type and
				  amount of coverage carried over from the old policy or certificate.
(b) If a closed-end loan terminates by
				  pre-payment, renewal or refinancing during a period of covered disability,
				  disability benefits shall continue to be paid as if the loan had not been
				  prematurely terminated unless the insured requests cancellation.
(c) Termination of a group policy shall not
				  affect the coverage provided by single premium certificates issued
				  thereunder.
(d) A monthly premium
				  certificate shall not be terminated due to termination of the group policy on
				  less than 31 days advance notice given to the borrower, except where there is
				  immediate replacement of coverage.
(e) Coverage under a certificate for which
				  premium is collected on other than a single premium or monthly premium basis
				  shall not terminate due to termination of the master policy before the end of
				  the period for which premium has been paid. Coverage under such a certificate
				  shall be continued for the next premium period, subject to payment of the
				  premium to the insurer, either directly or through the creditor, if notice of
				  termination is not given to the borrower at least 31 days before the end of the
				  period for which premium was paid, except where there is immediate replacement
				  of coverage.
(f) A copy of the
				  Borrower's Application shall be attached when a Notice of Proposed Insurance is
				  delivered.
1. Repealer
					 and new section filed 7-25-83; effective thirtieth day thereafter (Register 83,
					 No. 31).
Note: Authority cited: Sections
						779.21 and
						779.27,
						Insurance Code. Reference: Sections
						779.1,
						779.5,
						779.7,
						779.9 and
						779.27,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.9 - Standard Credit Life and Credit Disability Policy Forms › Section 2249.4 - Forms Subject to Presumptive Approval; Maintenance of File; Certificate of Compliance

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Unless subject to Section
					 2249.2 of this Article, standard
					 forms which are drafted in accordance with this Article and forms of group
					 master policies which provide coverage reflected in standard certificate forms
					 established by this Article shall be deemed to be approved without filing after
					 June 1, 1979. Forms subject to this Article shall maintained by the insurer in
					 a file until 3 years following the date upon which coverage last terminated
					 under each form. Such file shall be reasonably accessible to the public and
					 insurers shall respond promptly to requests for copies of the forms contained
					 therein. A reasonable fee may be charged for supplying such copies.
Commencing with the Annual Statement for the year of 1979,
					 each insurer issuing forms subject to this Article shall file a Certificate of
					 Compliance with its Annual Statement for each year in which such forms are
					 issued. Such certificate shall be captioned "Certificate of Compliance (Credit
					 Life and/or Credit Disability Forms) " and shall list the form numbers of the
					 forms issued in that year. Form numbers of group and individual policies and
					 group certificates shall be accompanied by the Identification Numbers for the
					 coverage provided except for those forms approved under Subsections (b) and (c)
					 of Section
					 2249.2 of this Article. The
					 Certificate of Compliance shall be executed by an authorized officer of the
					 insurer who shall state that, to the best of his or her knowledge, information
					 and belief, the listed forms were the only credit life and/ or disability forms
					 issued by the insurer in that Annual Statement year and that such forms comply
					 in all respects with this Article.
1. Amendment
					 filed 7-25-83; effective thirtieth day thereafter (Register 83, No.
					 31).
Note: Authority cited: Sections
						779.21 and
						779.27,
						Insurance Code. Reference: Sections
						779.8,
						779.9,
						779.10,
						779.12a,
						779.18,
						779.27 and
						900,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.9 - Standard Credit Life and Credit Disability Policy Forms › Section 2249.5 - Reservation of Right to Require Prior Approval

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
The Commissioner reserves the right to require, upon
					 written notice to an insurer, that forms otherwise subject to Section
					 2249.4 of this Article, be filed
					 with and approved by him before they are issued or delivered.
1. Amendment
					 filed 7-25-83; effective thirtieth day thereafter (Register 83, No.
					 31).
Note: Authority cited: Sections
						779.21 and
						779.27,
						Insurance Code. Reference: Sections
						779.8,
						779.9,
						779.10,
						779.12a,
						7791.8 and
						779.27,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.9 - Standard Credit Life and Credit Disability Policy Forms › Section 2249.6 - Instructions for Drafting and Use

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) Generally. This Article does not
				  supersede any other statutes or regulations pertaining to the use of particular
				  types of forms in certain circumstances. (For example, only group forms may be
				  used by credit unions.)
The standard forms set forth below reflect 30 day
					 elimination period coverage, but any other permissible coverage may be
					 substituted. The designation of the coverage may be preprinted or filled in
					 later. Terms, such as "borrower", "creditor", "loan" and "advance", appearing
					 in the standard forms may be varied, provided that such variance is required by
					 the circumstances of use and that the substituted terms are consistent and not
					 misleading. Age "66" may be substituted for "65" where it appears in the
					 standard forms. Forms with ages other than those set forth in these regulations
					 must be submitted for approval on a non-standard basis pursuant to §
											2249.2(d).
Standard and non-standard forms shall be printed in type
					 which complies with the standard of Insurance Code Section
					 10320(d).
Where debtors may elect among several coverage, insurers
					 may use forms which provide all the coverage offered. However, forms showing
					 coverage which are not available to the debtors to be covered may not be
					 used.
(b) Drafting
				  Instructions for Individual Policies and Group Certificates. Standard policy
				  and certificate forms shall be assembled from the blocks of text set forth in
				  Sections 2249.10 through
				  2249.12 of this Article as
				  follows:
(1) Select the appropriate
				  Identification Number for the desired coverage from the Identification Number
				  Chart in Section
				  2249.7 of this Article. (Note that
				  the Identification Number refers to the coverage provided rather than to the
				  type of document.)
(2) Depending
				  upon whether an individual policy or a group certificate is being drafted,
				  enter the appropriate List of Block Numbers for Each Identification Number
				  (Section 2249.8 or
				  2249.9 of this Article) with the
				  selected Identification Number. The sequence of text blocks is indicated by the
				  block numbers following each Identification Number.
(3) An illustrative sample Identification
				  Number 11 Certificate is set forth in Section
				  2249.14 of this
				  Article.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.9 - Standard Credit Life and Credit Disability Policy Forms › Section 2249.7 - Identification Number Chart

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Life
I.D.
							 #
Single
							 Premium
Monthly
							 Premium
Net
							 Balance
Level
							 Amount
Open
							 End
Closed
							 End
Single
							 Life
Joint
							 Life
Disability
I.D. #s 1 through 5 repealed
"Class A" business (See §
													2248.31)
6
X
X
X
X
X
X
7
X
X
X
X
X
8
X
X
X
X
X
9
X
X
X
X
10
X
X
X
Basic Coverage
11
X
X
X
X
X
X
12
X
X
X
X
X
13
X
X
X
X
X
14
X
X
X
X
15
X
X
X
Level Life
16
X
X
X
X
X
17
X
X
X
X
X
Line of Credit, Credit Union Open-end
							 and Credit Card
18
X
X
X
X
X
X
19
X
X
X
X
X
20
X
X
X
21
X
X
X
X
X
22
X
X
X
X
Monthly Premium, Closed-End
25
X
X
X
X
X
X
26
X
X
X
X
X
27
X
X
X
X
X
28
X
X
X
X
29
X
X
X
Agricultural
30
X
X
X
X
X
X
31
X
X
X
X
X
32
X
X
X
X
X
33
X
X
X
X
34
X
X
X
1. Amendment
					 filed 7-25-83; effective thirtieth day thereafter (Register 83, No.
					 31).
2. Amendment filed 5-23-85; effective thirtieth day thereafter
					 (Register 85, No. 21).
3. Amendment of section and repealer and new
					 NOTE filed 10-2-2006; operative 11-1-2006 (Register 2006, No.
					 40).
Note: Authority cited: Section
						779.21 and
						779.27,
						Insurance Code. Reference: Section
						779.4,
						Insurance Code; and Sections
						18290-
						18292,
						22314,
						22315 and
						22455,
						Financial Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.9 - Standard Credit Life and Credit Disability Policy Forms › Section 2249.10 - Schedule Blocks

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
MH1
Insurers Name and Complete Address
								Called We or Us
SCHEDULE
SC1
Primary Borrower, called you,
							 and Address
SC2
Co-Borrower, also called
							 you
SC3
Policy Number
SC4
Source Code
SC5
Creditor Beneficiary and
							 Insurance Agent's License No.
SC6
Class of Business
SC7
Secondary Beneficiary
SC8
Term of Insurance
SC9
Effective Date
SC10
Original Amount of Life
							 Insurance
SC11
Scheduled Expiration Date
SC12
Monthly Loan Payment
SC13
Monthly Total Disability
							 Benefit
SC14
Decreasing Life: Single ( )
							 joint ( ) Premium:
SC15
Disability: 30-day Elimination
							 Period Premium:
SC16
Total Premium:SC17 Maximum
							 Monthly Disability Benefit:
SC18
Maximum Amount of Life
							 Insurance:
SC19
Decreasing Single Life
							 Premium:
SC20
Number of Monthly
							 Installments
SC21
First Installment Due
							 Date
SC22
Final Installment Due
							 Date
SC23
Amount of Level Life
							 Insurance:
SC24
Level Life: Single ( ) joint (
							 ) Premium:
SC25
Level Life Single
							 Premium;
SC26
Group Policy Number
SC27
Certificate Number
SC28
Date of Issue of this
							 Certificate
SC29
Credit Insurance Applied for:
							 ___ Single Life___Joint Life ___30 Day Elimination Disability
SC30
Monthly Premium per $100 of
							 insured debt: Single Life $___ Joint Life $___ Disability $___
SC31
Credit Insurance Applied
							 for:___Single Life ___Joint Life
SC32
Monthly Premium per $100 of
							 insured debt: Single Life $___Joint Life $___
SC33
Credit Insurance Applied
							 for:___Single Life___30 Day Elimination Disability
SC34
Monthly Premium per $100 of
							 insured debt: Single Life $___Disability $___
SC35
Monthly Life Insurance Premium
							 per $100 of insured debt: $___
SC36
Monthly Disability Premium per
							 $100 of insured debt $___
SC37
Maximum Disability Benefit
							 Period
SC 38
Disability, 30-day
							 Elimination Period: Single ( ) Joint ( ) Premium:
SC 39
Credit Insurance Applied for:
							 Life: Single ( ) Joint ( ); 30 Day Elimination Disability: Single ( ) Joint (
							 )
SC 40
Monthly Premium per $100 of
							 insured debt: Life: Single $___ , Joint $___ ; Disability: Single $___ , Joint
							 $___
1. Amendment
					 filed 7-25-83; effective thirtieth day thereafter (Register 83, No.
					 31).
2. Amendment of section and NOTE filed 10-2-2006; operative
					 11-1-2006 (Register 2006, No. 40).
Note: Authority cited: Sections
						779.21 and
						779.27,
						Insurance Code. Reference: Sections
						779.4,
						779.6 and
						1758.99,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.9 - Standard Credit Life and Credit Disability Policy Forms › Section 2249.15 - Effective Date

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) This
				  Article shall be effective as of June 1, 1978. No credit life and/or disability
				  insurance policy, certificate of insurance, notice of proposed insurance,
				  application for insurance, endorsement or rider shall be issued or delivered
				  after April 1, 1979 unless it complies with this Article, including applicable
				  filing requirements. Forms which have been approved pursuant to this Article
				  maybe issued or delivered after, June 1, 1978.
(b) The following forms shall not be issued
				  or delivered after one year following the effective date of the 2006 amendments
				  of this Article:
(1) Standard forms which do
				  not comply with this Article as amended in 2006;
(2) Non-standard forms containing standard
				  text which does not comply with this Article as amended in
				  2006.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 6.9 - Standard Credit Life and Credit Disability Policy Forms › Section 2249.16 - Severability Provision

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
If any provision of this Article or the application thereof
					 to any person or circumstance is for any reason held invalid, the remainder of
					 this Article and the application of such provision to any other persons or
					 circumstances shall not be affected thereby.
1.
					 Renumbering and amendment of former Section
					 2249.16 to
					 2249.15, and renumbering of former
					 Section 2249.17 to Section
					 2249.16 filed 7-25-83; effective
					 thirtieth day thereafter (Register 83, No.
					 31).
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2251 - Policy Forms; Endorsement Forms; Ancillary Agreements; General Procedures

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) An insurer
				  shall submit all non-standard policy forms, endorsement forms, or ancillary
				  agreements to the Insurance Commissioner through the rating organization prior
				  to their use as part of a workers' compensation policy. A non-standard policy
				  form, endorsement form, or ancillary agreement, other than a limiting and
				  restricting endorsement or a customized limiting and restricting endorsement,
				  may be used by an insurer if the Insurance Commissioner does not take any
				  action on the form within 30 days after the date of submission to the Insurance
				  Commissioner.
(b) An insurer shall
				  not use policy forms, endorsement forms, or ancillary agreements unless
				  submitted to and approved by the Insurance Commissioner, except as provided in
				  Subdivision (a).
1. New
					 section filed 2-2-2016; operative 4-1-2016 (Register 2016, No. 6). For prior
					 history, see Register 58, No. 4.
Note: Authority cited: Sections
						11657,
						11658,
						11659,
						11660,
						11750.3(e)
						and
						12921(a),
						Insurance Code. Reference: Sections
						11650,
						11651,
						11652,
						11653,
						11654,
						11655,
						11656,
						11656.7,
						11656.8,
						11656.9,
						11657,
						11658,
						11659,
						11660,
						11661,
						11661.5,
						11661.6,
						11662,
						11663,
						11734,
						11735(e),
						11737,
						11750.3(e)
						and
						11751.5,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2251.1 - Package Policies. [Repealed]

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
1. New
					 section filed 9-20-56; designated effective 10-24-56 (Register 56, No.
					 18).
2. Amendment filed 11-12-76; designated effective with respect
					 to all new policies with an inception date falling on or after January 1, 1977,
					 and with respect to renewal policies as of the first normal anniversary date
					 falling on or after January 1, 1977 (Register 76, No. 46).
3.
					 Amendment filed 1-23-78 as an emergency; effective upon filing. Certificate of
					 Compliance included (Register 78, No. 4).
4. Repealer filed 4-11-83;
					 effective thirtieth day thereafter (Register 83, No.
					 16).
Note: Authority cited: Section
						11734,
						Insurance Code. Reference: Sections
						11732,
						11732.1 and
						11734,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2252 - Limiting and Restricting Coverage

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Sections
					 2253 through
					 2269 and
					 2218 shall govern the policy form,
					 endorsement form, and ancillary agreement submission process and the limitation
					 or restriction of coverage for liability under the workers' compensation laws
					 of the State of California. However, there shall be no limitations or
					 restrictions on the workers' compensation coverage provided on a policy that
					 also provides comprehensive personal liability insurance.
1. Amendment
					 filed 10-4-60; designated effective 1-1-61 (Register 60, No. 21).
2.
					 Amendment filed 11-12-76; designated effective with respect to all new Policies
					 with an inception date falling on or after January 1, 1977, and with respect to
					 renewal policies as of the first normal anniversary date falling on or after
					 January 1, 1977 (Register 76, No. 46).
3. Amendment filed 1-23-78 as
					 an emergency; effective upon filing. Certificate of Compliance included
					 (Register 78, No. 4).
4. Amendment of section heading, repealer and
					 new section and amendment of NOTE filed 2-2-2016; operative 4-1-2016 (Register
					 2016, No. 6).
Note: Authority cited: Section
						11751.5,
						Insurance Code. Reference: Section
						11590, Articles 2 and 3 of Chapter
						3, Part 3, Division 2, Insurance Code. Additional authority cited: Sections
						11650 to
						11663,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2253 - Endorsements or Ancillary Agreements: Attachment to Insurance Policies

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Every endorsement form or ancillary agreement shall contain
					 an attachment clause, as defined in Section
					 2250(d), which
					 states it is part of a workers' compensation insurance policy, with blank
					 spaces to be filled in if the endorsement or ancillary agreement is attached to
					 a policy after the policy inception date.
1. Amendment
					 filed 10-4-60; designated effective 1-1-61 (Register 60, No. 21).
2.
					 Amendment of section heading, repealer and new section and amendment of NOTE
					 filed 2-2-2016; operative 4-1-2016 (Register 2016, No.
					 6).
Note: Authority cited: Sections
						11658,
						11750.3(e),
						11751.4 and
						12921(a),
						Insurance Code. Reference: Sections
						11657,
						11658,
						11659,
						11660,
						11750.3(e)
						and
						11751.4,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2255 - Same: When Restrictions Printed in Policy: Removal. [Repealed]

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
1. Amendment
					 filed 104-60, designated effective 1-1-61 (Register 60, No. 21).
2.
					 Repealer filed 2-2-2016; operative 4-1-2016 (Register 2016, No.
					 6).
Note: Additional authority cited: Sections
						11650 to
						11663,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2256 - Amendment, Alteration, Variable Text, and Blanks in Policy Forms, Endorsement Forms, and Ancillary Agreements

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) An insurer may not alter or amend a
				  policy form, endorsement form, or ancillary agreement, after it was approved by
				  the Insurance Commissioner other than adding variable text, preprinting or
				  changing officers' signatures, preprinting the insurer's name on a form, or
				  making non-substantive formatting changes.
(b) An insurer may include blank portions on
				  a policy form, endorsement form, or ancillary agreement where variable text,
				  numbers, or data will be inserted. The blank portions shall be clearly
				  identified as having variable text, numbers, or data, or be enclosed with
				  brackets.
(1) An insurer shall fill in any
				  blank portion that is not self-explanatory with sample material which indicates
				  how the blanks will be used, or
(2)
				  An insurer shall include complete lists of variable wording or accurate
				  descriptions of the material to be inserted into submissions containing
				  blanks.
(3) An insurer shall
				  complete approved policy forms, endorsement forms, or ancillary agreements by
				  inserting text, numbers, or data in any of the blank spaces. Insurers may amend
				  or change such inserted provisions without in any way affecting the approval of
				  such policy form, endorsement form, or ancillary agreement.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2257 - Use of Policy Forms, Endorsement Forms, and Ancillary Agreements

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) An insurer may
				  use a standard policy form, or endorsement form, including a standard limiting
				  and restricting endorsement form, after receiving written notice from the
				  rating organization that the form has been reviewed as to form and substance
				  and is ready for use.
(b) An
				  insurer may use a non-standard policy form, endorsement form, or ancillary
				  agreement, other than a limiting and restricting form or a customized limiting
				  and restricting form, after filing it in accordance with Section
				  2254(d) and
				  receiving approval by the Insurance Commissioner or pursuant to Section
				  2251(a).
(c) Except for an approved standard policy or
				  endorsement form, an insurer shall not use a limiting and restricting form
				  unless the Insurance Commissioner approves it in writing.
(d) An insurer shall not use any
				  previously-approved policy form, endorsement form, or ancillary agreement
				  following a 30 day period after the Commissioner issues a written notice of the
				  withdrawal of approval of the form to the insurer unless the insurer timely
				  demands a hearing in accordance with this Section. If the insurer timely
				  demands a hearing, the insurer may continue to use the form pending the
				  Commissioner's decision after the conclusion of the hearing. If the
				  Commissioner's decision upholds the withdrawal of approval, the insurer shall
				  not use the form as of the 31st day after the
				  Commissioner's decision.
(1) The Commissioner
				  shall provide written notice of withdrawal of approval to an insurer,
				  specifying the grounds and notifying the insurer that the withdrawal of
				  approval will become effective on the 31st day after
				  the date of the written notice unless the insurer timely files a written demand
				  for a hearing.
(2) An insurer may
				  file a written demand for a hearing within 30 days of the date the Commissioner
				  issues a notice of withdrawal of approval. The written demand shall prominently
				  display the title of the document printed in
bold
or CAPITAL
				  letters as APPEAL OF COMMISSIONER'S WITHDRAWAL OF APPROVAL. The written demand
				  shall identify the insurer's name, the form number(s), and set forth the
				  reason(s) why the form should not be subject to the Commissioner's withdrawal
				  of approval.
(3) Within 30 days
				  from the date the insurer files a timely written demand for a hearing on the
				  notice of withdrawal, the Commissioner may commence a hearing on the notice of
				  withdrawal.
(4) If the Commissioner
				  does not commence a hearing within 30 days of the insurer's written demand for
				  a hearing, the withdrawal of approval shall be deemed ineffective on the
				  31st day after the insurer's filing of a written
				  demand for a hearing.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2258 - Identification of Forms

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) All
				  policy forms, endorsement forms, or ancillary agreements shall have a unique
				  identifying form number consisting of no more than 11 characters comprised of
				  letters or numbers or a combination of letters and numbers excluding spaces and
				  punctuation, and the month and the year shall be separated from the form number
				  by at least one space.
(b)
				  Non-standard policy forms, endorsement forms, or ancillary agreements: The
				  insurer shall assign a form number to each form and the rating organization
				  shall verify the number as being unique and capable of electronic processing
				  prior to submission to the Insurance Commissioner.
(c) Standard policy forms or endorsement
				  forms: The rating organization shall assign a form number prior to submission
				  to the Insurance Commissioner.
1. Amendment
					 filed 10-4-60; designated effective 1-1-61 (Register 60, No. 21).
2.
					 Amendment of section heading, repealer and new section and amendment of NOTE
					 filed 2-2-2016; operative 4-1-2016 (Register 2016, No.
					 6).
Note: Authority cited: Section
						12921(a),
						Insurance Code. Reference: Sections
						11650,
						11658 and
						11660,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2259 - Grounds and Manner for the Use of Limiting and Restricting Endorsements

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) An insurer may
				  use a limiting and restricting endorsement only upon one or more of the
				  following grounds:
(1) To limit insurance
				  coverage for liability for compensation to employees of the specific entity
				  named as the insured in the policy.
(2) To exclude an individual who is related
				  to the insured by blood, marriage, adoption or domestic partnership and who is
				  not an employee.
(3) Where the
				  insured seeks by endorsement to negate an "election" under Labor Code Section
				  4151 to bring
				  under the compensation provisions of the Labor Code persons in his employment
				  who are excluded from the definition of "employee" by Section
				  3352 and other provisions of
				  Article 2 of Chapter 2 of Part 1 of Division 4 of the Labor Code.
(4) To provide notice to the employer that
				  liability is uninsurable for any of the following: Additional compensation
				  payable to his or her employee due to the employer's serious and willful
				  misconduct pursuant to Insurance Code Section
				  11661; the
				  illegal employment of a minor under 16 years of age pursuant to Insurance Code
				  Section
				  11661.5; or
				  the employer's reimbursement to the insurer for the amount of increase in
				  indemnity payments as provided by Labor Code Section
				  4650(e)
				  pursuant to Insurance Code Section
				  11661.6.
(5) To exclude only such liability of the
				  employer if the employer affirms in writing to the insurer that other coverage
				  is secured or the entity is lawfully uninsured (e.g., liability of the State
				  and its political subdivisions and institutions).
(6) To exclude an employee who is covered for
				  workers' compensation benefits on a policy also affording comprehensive
				  personal liability insurance.
(7)
				  To exclude liability of an employer for employees who are covered under another
				  employer's workers' compensation policy pursuant to an agreement made under
				  Labor Code Section
				  3602(d).
(8) To exclude liability when the employer's
				  business is conducted in such a manner that it is impossible or impracticable
				  to determine the nature, scope, and extent of employment covered by the insurer
				  without the use of a limiting and restricting endorsement.
(9) To prevent the performance of work in
				  such an extremely hazardous manner or under such hazardous conditions as would
				  reflect a reckless disregard by the employer for the welfare of its
				  employees.
(10) To prevent the
				  issuance of an unrestricted policy if it would serve to encourage an operation
				  that is contrary to law or to the rules of a regulatory
				  agency.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2260 - Limiting and Restricting Form Specifications

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Each limiting and restricting form shall conform to the
					 following specifications:
(a) It shall
				  have
bold
and/or CAPITALIZED text at the top of the form:
"
ENDORSEMENT AGREEMENT LIMITING AND RESTRICTING THIS
					 INSURANCE
"
(b) The
				  opening statement shall contain the following language:
"The insurance under this policy is limited as follows: It
					 is AGREED that, anything in this policy to the contrary notwithstanding, this
					 policy (or "such insurance as is afforded by the policy by reason of the
					 designation of California in Item 3 of the declarations") DOES NOT INSURE" (or
					 "DOES NOT COVER" or "DOES NOT APPLY TO")."
(c) It shall have a marginal notation
				  prominently displayed and printed in
bold
or CAPITAL letters
				  indicating the character of the limitation or restriction stated in the
				  endorsement.
(d) It shall have in
bold
and/or CAPITALIZED letters the following language:
"
FAILURE TO SECURE THE PAYMENT OF FULL COMPENSATION
					 BENEFITS FOR ALL EMPLOYEES AS REQUIRED BY LABOR CODE SECTION
					 3700 IS A VIOLATION OF LAW AND MAY
					 SUBJECT THE EMPLOYER TO THE IMPOSITION OF A WORK STOP ORDER, LARGE FINES, AND
					 OTHER SUBSTANTIAL PENALTIES (Labor Code Section
					 3710.1, et
					 seq.).
"
(e) The words
				  "the insured" may be substituted in any of the approved endorsements for "this
				  employer," "the insured employer," "the employer," or "the named
				  employer."
1. Amendment
					 filed 10-4-60; designated effective 1-1-61 (Register 60, No. 21).
2.
					 Amendment and renumbering of Section
					 2259 filed 9-18-67; designated
					 effective with respect to all policies and endorsements with an effective date
					 falling on or after April 1, 1968 (Register 67, No. 38).
3.
					 Amendment filed 1-21-81; effective thirtieth day thereafter (Register 81, No.
					 4).
4. Amendment of section heading, repealer and new section and
					 amendment of NOTE filed 2-2-2016; operative 4-1-2016 (Register 2016, No.
					 6).
Note: Authority cited: Section
						12921(a),
						Insurance Code. Reference: Sections
						11650,
						11656.7,
						11656.8,
						11656.9,
						11657,
						11658,
						11659,
						11660,
						11661,
						11661.5,
						11661.6,
						11662,
						11663,
						11664,
						11734,
						11736 and
						11751.5,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2261 - Same: Submission Requirements. [Repealed]

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
1. Amendment
					 filed 10-4-60; designated effective 1-1-61 (Register 60, No. 21). (For history
					 of former Section
					 2260, see Register 54, No.
					 17.)
2. Amendment and renumbering of Section
					 2260 filed 9-18-67; designated
					 effective with respect to all policies and endorsements with an effective date
					 falling on or after April 1, 1968 (Register 67, No. 38).
3.
					 Amendment filed 5-6-77 as procedural and organizational; effective upon filing
					 (Register 77, No. 19).
4. Amendment filed 1-21-81; effective
					 thirtieth day thereafter (Register 81, No. 4).
5. Repealer filed
					 2-2-2016; operative 4-1-2016 (Register 2016, No.
					 6).
Note: Authority cited: Sections
						11732,
						11732.1,
						and
						11734,
						Insurance Code. Reference: Articles 2 and 3 of Chapter 3, Part 3, Division 2,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2262 - Other Limiting and Restricting Endorsements: Approval. [Repealed]

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
1. Amendment
					 filed 10-4-60; designated effective 1-1-61 (Register 60, No. 21). (Ed. Note:
					 Similar to former Section
					 2263.)
2. Amendment and
					 renumbering of Section
					 2261 filed 9-18-67; designated
					 effective with respect to all policies and endorsements with an effective date
					 falling on or after April 1, 1968 (Register 67, No. 38).
3.
					 Amendment filed 5-6-77 as procedural and organizational; effective upon filing
					 (Register 77, No. 19).
4. Amendment filed 1-21-81; effective
					 thirtieth day thereafter (Register 81, No. 4).
5. Repealer filed
					 2-2-2016; operative 4-1-2016 (Register 2016, No.
					 6).
Note: Authority cited: Sections
						11732,
						11732.1,
						and
						11734,
						Insurance Code. Reference: Articles 2 and 3 of Chapter 3, Part 3, Division 2,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2263 - Limiting and Restricting Provisions in Policy Forms. [Repealed]

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
1. New
					 section filed 9-18-67; designated effective with respect to all policies and
					 endorsements with an effective date falling on or after April 1, 1968 (Register
					 67, No. 38).
2. Amendment filed 1-21-81; effective thirtieth day
					 thereafter (Register 81, No. 4).
3. Repealer filed 2-2-2016;
					 operative 4-1-2016 (Register 2016, No. 6).
Note: Authority cited: Sections
						11732,
						11732.1,
						and
						11734,
						Insurance Code. Reference: Articles 2 and 3 of Chapter 3, Part 3, Division 2,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2264 - Options for Form NO. 10. [Repealed]

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
1. Amendment
					 filed 10-4-60; designated effective 1-1-61 (Register 60, No. 21). (Ed. note:
					 Similar to former Section
					 2260; for history, see Register
					 54, No. 17.)
2. Amendment and renumbering of Section
					 2263 filed 9-18-67; designated
					 effective with respect to all policies and endorsements with an effective date
					 falling on or after April 1, 1968 (Register 67, No. 38).
3. New
					 subsection (h) filed 11-12-76; designated effective with respect to all new
					 policies with an inception date failing on or after January 1, 1977, and with
					 respect to renewal policies as of the first normal anniversary date falling on
					 or after January 1, 1977 (Register 76, No. 46).
4. Amendment of
					 subsection (h) filed 1-23-78 as an emergency; effective upon filing.
					 Certificate of Compliance included (Register 78, No. 4).
5.
					 Amendment filed 12-30-83; designated effective 1-1-84 pursuant to Government
					 Code Section
					 11346.2(d)
					 (Register 84, No. 1).
6. Repealer filed 2-2-2016; operative 4-1-2016
					 (Register 2016, No. 6).
Note: Authority cited: Sections
						11659 and
						11751.5,
						Insurance Code. Reference: Sections
						11657,
						11658 and
						11659, and Articles 2 and 3 of
						Chapter 3, Part 3, Division 2, Insurance
						Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 7 - Workers' Compensation Policy Forms › Section 2265 - Use of Form NO. 11 Restricted. [Repealed]

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
1. Amendment
					 filed 10-4-60; designated effective 1-1-61 (Register 60, No. 21). (Ed. note:
					 Similar to former Section
					 2261.)
2. Amendment and
					 renumbering of Section
					 2264 filed 9-18-67; designated
					 effective with respect to all policies and endorsements with an effective date
					 falling on or after April 1, 1968 (Register 67, No. 38).
3. Repealer
					 filed 2-2-2016; operative 4-1-2016 (Register 2016, No.
					 6).