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INS
Insurance Code - INS
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DIVISION 2. CLASSES OF INSURANCE
1880-12880.6
PART 1. FIRE AND MARINE INSURANCE
1880-10108.1
CHAPTER 1. The Marine Contract
1880-2010
ARTICLE 1. Insurable Interests Peculiar to Marine Insurance
1880-1886
ARTICLE 2. Concealment and Representations—Rules Peculiar to Marine Insurance
1900-1905
ARTICLE 3. Implied Warranties Peculiar to Marine Insurance
1920-1927
ARTICLE 4. Effect of Course of Voyage
1940-1945
ARTICLE 5. Loss in Marine Insurance
1960-1997
ARTICLE 6. Exemptions
2010
CHAPTER 2. The Fire Insurance Contract
2030-2085
ARTICLE 1. Change of Risk
2030-2032
ARTICLE 2. Measure of Indemnity
2050-2062
ARTICLE 3. California Standard Form Fire Insurance Policy
2070-2085
CHAPTER 4. General Mutual Insurers
4010-4097.20
ARTICLE 1. General Provisions
4010-4019
ARTICLE 2. Directors
4020-4023
ARTICLE 3. Management and Exclusive Agency Contracts
4030-4034
ARTICLE 4. Loans
4040-4044
ARTICLE 5. Dividends to Policyholders
4050-4052
ARTICLE 6. Nonassessable Policies
4060-4064
ARTICLE 7. Insolvency
4070
ARTICLE 8. Applicable Insurance Laws
4080-4081
ARTICLE 9. Merger, Consolidation, Reinsurance, or Transfer of Assets and Liabilities
4090-4096
ARTICLE 10. Conversion of an Incorporated Medical Malpractice Mutual Insurer into an Incorporated Stock Insurer
4097-4097.20
CHAPTER 5. County Mutual Fire Insurers
5050-7060
ARTICLE 1. Formation and Organization
5050-5063
ARTICLE 2. Powers
5080-5081
ARTICLE 3. Membership
5090-5094
ARTICLE 4. The Policy
6010-6021
ARTICLE 5. Risks
6040-6050
ARTICLE 6. Reinsurance
6070-6072
ARTICLE 7. Loss
6090-6091
ARTICLE 8. Assessments
7010-7018
ARTICLE 9. Reports and Statements
7030-7031
ARTICLE 9.5. Merger
7040-7044.5
ARTICLE 9.6. Transformation
7045-7049
ARTICLE 10. Dissolution
7050
ARTICLE 11. Exemptions
7060
CHAPTER 6. County Mutual Fire Reinsurers
7080-9060
ARTICLE 1. Formation and Organization
7080-7093
ARTICLE 2. Powers and Duties
8010-8011
ARTICLE 3. Additional Memberships
8030-8031
ARTICLE 4. Risks
8050-8053
ARTICLE 5. Loss
8070-8078
ARTICLE 6. Assessments and Coverage of Loss
8090-8097
ARTICLE 7. Cancellation of Membership
9010-9012
ARTICLE 8. Reports and Statements
9030-9031
ARTICLE 9. Dissolution
9050
ARTICLE 10. Exemptions
9060
CHAPTER 7. Fraternal Fire Insurers
9080-9103
CHAPTER 8. Underwriters Fire Patrols
10020-10080
ARTICLE 1. Scope of Chapter and Definitions
10020-10022
ARTICLE 2. Formation and Organization
10040
ARTICLE 3. Powers
10050-10052
ARTICLE 4. Meetings and Assessments
10070-10080
CHAPTER 8.5. Earthquake Insurance
10081-10089.4
CHAPTER 8.6. California Earthquake Authority
10089.5-10089.55
CHAPTER 8.9. Insurance Mediation
10089.70-10089.83
CHAPTER 9. Basic Property Insurance Inspection and Placement Plan
10090-10100.2
CHAPTER 10. California Residential Property Insurance Disclosure
10101-10107
CHAPTER 11. Small Business Guide to Commercial Insurance
10108-10108.1
PART 2. LIFE AND DISABILITY INSURANCE
10110-11549
CHAPTER 1. The Contract
10110-10198.10
ARTICLE 1. General Provisions
10110-10127.20
ARTICLE 1.5. Discontinuance of Group Life Insurance and Discontinuance and Replacement of Group Disability Insurance
10128-10128.4
ARTICLE 1.7. California Cobra Program
10128.50-10128.59
ARTICLE 2. Transfer
10129-10133.14
ARTICLE 2.3. Transfers of Structured Settlement Payment Rights
10134-10139.5
ARTICLE 2.5. Discriminatory Practices
10140-10145.4
ARTICLE 2.6. Underwriting on the Basis of Test of Genetic Characteristics
10146-10149.1
ARTICLE 3. Policy Provisions Required
10150-10154
ARTICLE 3a. Standard Nonforfeiture Law for Life Insurance
10159.1-10167.5
ARTICLE 3b. Standard Nonforfeiture Law for Individual Deferred Annuities
10168-10168.10
ARTICLE 3.5. Appeals Seeking Independent Medical Review
10169-10169.5
ARTICLE 4. Payment and Proceeds
10170-10180
ARTICLE 4.5. Review of Rate Increases
10181-10181.14
ARTICLE 5. Exemptions and Miscellaneous Provisions Relating to Insurance Contracts
10190-10192
ARTICLE 6. Medicare Supplement Policies
10192.1-10192.24
ARTICLE 7. Preexisting Condition Provisions
10198.6-10198.10
CHAPTER 1.5. Health Coverage Contract Notification
10199-10199.9
ARTICLE 1. Purpose and Title
10199
ARTICLE 2. General Provisions
10199.1-10199.49
ARTICLE 3. Administration and Enforcement
10199.5-10199.9
CHAPTER 2. Group Life Policies
10200-10214
CHAPTER 2.5. Blanket Life Insurance
10220-10225
CHAPTER 2.6. Long-Term Care Insurance
10231-10237.6
ARTICLE 1. Definitions
10231-10231.8
ARTICLE 3. General Provisions
10232-10233.8
ARTICLE 3. Administration and Enforcement
10234-10234.7
ARTICLE 3.7. Consumer Protection
10234.8-10234.97
ARTICLE 4. Implementation
10235-10236.15
ARTICLE 5. Inflation Escalator and Benefit Increases
10237-10237.6
CHAPTER 3. Burial Contracts
10240-10252
CHAPTER 4. Standard Provisions in Disability Policies
10270-10402.1
ARTICLE 1. Scope of Chapter and Definitions
10270-10279
ARTICLE 2. Approval of Commissioner
10290-10293
ARTICLE 2.1. Accelerated Death Benefits
10295-10295.19
ARTICLE 2.5. Transportation Ticket Policies
ARTICLE 3. Policy Form Generally—Uniform Provisions
10320-10328
ARTICLE 4. Compulsory Standard Provisions—Uniform Provisions
10350-10354
ARTICLE 5. Optional Standard Provisions and Special Provisions—Uniform Provisions
10369.1-10369.12
ARTICLE 6. Interpretation of Policy
10380-10390
ARTICLE 7. Exemption
10395
ARTICLE 8. Penalties
10400-10402.1
CHAPTER 4.1. General Regulation of Health Insurers
10403
CHAPTER 5. General Regulation of Life Insurers
10430-10509.946
ARTICLE 1. Restrictions on Business
10430-10436
ARTICLE 1a. Regulation of Internal Affairs of Mutual Insurers
10440-10442
ARTICLE 2. Registration of Life Policies
10450-10463
ARTICLE 3. Valuation of Life Policies
10478-10489
ARTICLE 3a. Standard Valuation Law
10489.1-10489.992
ARTICLE 4. Qualifications and Exemptions
10490-10505.1
ARTICLE 5. Pension Funds, Separate Accounts
10506-10506.5
ARTICLE 6. Investment Return Assurance
10507-10507.4
ARTICLE 6.5. Portfolio Indexing
10507.5
ARTICLE 7. Records
10508-10508.8
ARTICLE 8. Requirements for Replacement of Life Insurance and Annuity Policies
10509-10509.9
ARTICLE 9. Suitability Requirements for Annuity Transactions
10509.910-10509.918
ARTICLE 11. Life Insurance Proceeds Disclosure Act of 2011
10509.930-10509.938
ARTICLE 12. Unclaimed Life Insurance and Annuities Act
10509.940-10509.946
CHAPTER 5.5. Life Insurance Policy Illustrations
10509.950-10509.965
CHAPTER 5.6. Life Insurance Cost Indexes
10509.970-10509.975
CHAPTER 6. Incorporated Life Insurers Issuing Policies on a Reserve Basis
10510-10541
ARTICLE 1. Capital
10510-10512
ARTICLE 2. Dividends
10530
ARTICLE 3. Premiums and Premium Accounts
10540-10541
CHAPTER 7. Disability Insurance Disclosure
10600-10609
CHAPTER 8. Small Employer Health Insurance
10700-10752.8
ARTICLE 1. Definitions
10700-10701
ARTICLE 2. Small Employer Carrier Requirements
10702-10718.7
ARTICLE 3. Voluntary Reinsurance Mechanism
10719-10729
ARTICLE 4. Purchasing Pool for Small Employers
10730-10750
ARTICLE 5. Stop-Loss Insurance
10752-10752.8
CHAPTER 8.01. Nongrandfathered Small Employer Health Insurance
10753-10753.18.7
ARTICLE 1. Definitions
10753-10753.01
ARTICLE 2. Small Employer Carrier Requirements
10753.02-10753.18.7
CHAPTER 8.02. Grandfathered Small Employer Health Insurance
10755-10755.18.7
ARTICLE 1. Definitions
10755-10755.01
ARTICLE 2. Small Employer Carrier Requirements
10755.02-10755.18.7
CHAPTER 8.5. Coverage for Federally Eligible Defined Individuals
10785-10786
CHAPTER 9. The Private Health Care Voluntary Purchasing Alliance Act
10800-10887
ARTICLE 1. General
10800-10803
ARTICLE 2. Definitions
10810
ARTICLE 3. Regulation
10820-10826
ARTICLE 4. Conflicts of Interest
10830
ARTICLE 5. Additional Powers of and Restrictions on Purchasing Alliances
10840-10845
ARTICLE 6. Participating Carriers
10850-10856
ARTICLE 7. Contracts with Employers, Small Employers, and Participating Carriers
10860-10861
ARTICLE 8. Marketing
10870-10873
ARTICLE 9. Solvency
10880
ARTICLE 10. Exemptions
10885-10887
CHAPTER 9.5. Individual Access to Contracts for Health Care Services
10900-10902.5
CHAPTER 9.6. Consumer Operated and Oriented Plans
10930-10930.9
CHAPTER 9.7. Child Access to Health Insurance
10950-10960.5
CHAPTER 9.9. Individual Access to Health Insurance
10965-10965.18
CHAPTER 10. Fraternal Benefit Societies
10970-11165
ARTICLE 1. Scope of Chapter
10970-10976
ARTICLE 2. Definitions
10990-10993
ARTICLE 3. Organization
11010-11033
ARTICLE 4. Benefits
11040-11044
ARTICLE 5. Contract
11060-11073
ARTICLE 6. Powers of Commissioner
11090-11112
ARTICLE 7. Financial Matters
11120-11146
ARTICLE 8. Violations and Penalties
11160-11165
CHAPTER 10A. Firemen's, Policemen's,or Peace Officers’ Benefit and Relief Associations
11400-11407
CHAPTER 11. Change by Assessment Plan Insurer to Reserve Plan
11420-11490
ARTICLE 1. Authorization and Effect
11420-11422
ARTICLE 2. Capital Adjustments
11440-11443
ARTICLE 3. Transfer of Insurance
11460
ARTICLE 4. Powers of Insurer After Transformation
11470-11472
ARTICLE 5. Valuation of Policies
11490
CHAPTER 12. Grants and Annuities Societies
11520-11524
CHAPTER 13. Voluntary Mutualization of Incorporated Life and Life and Disability Insurers Having a Capital Stock and Issuing Nonassessable Policies on a Reserve Basis
11525-11533
ARTICLE 1. Authority and Requirements to Mutualize
11525-11528
ARTICLE 2. Execution of Plan
11529-11533
CHAPTER 14. Conversion of an Incorporated Mutual Life or Life and Disability Insurer into an Incorporated Stock Life Insurer Issuing Policies on a Reserve Basis
11535-11549
ARTICLE 1. Authority and Requirements to Convert
11535-11549
PART 3. LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE
11550-11895
CHAPTER 1. General Regulations
11550-11629.88
ARTICLE 1. Reserves of Insurers
11550-11557
ARTICLE 2. Actions on Policies Containing Liability Provisions
11580-11589.5
ARTICLE 2.5. Personal Liability Insurance Providing Workers’ Compensation Coverage for Household Employees
11590-11593
ARTICLE 3. Capital Requirements of Reserve Basis Insurers
11600-11602
ARTICLE 4. Assigned Risk Plans
11620-11627
ARTICLE 5. Motor Vehicle Liability Insurance
11628-11629.5
ARTICLE 5.5. California Low-Cost Automobile Insurance Program
11629.7-11629.88
CHAPTER 2. Workers’ Compensation Policies
11630-11665
ARTICLE 1. Definitions
11630-11631
ARTICLE 2. Policy Provisions
11650-11665
CHAPTER 3. Regulation of Business of Workers’ Compensation Insurance
11690-11761
ARTICLE 1. Deposits by Workers’ Compensation Insurers
11690-11703
ARTICLE 2. State Rate Supervision
11730-11742
ARTICLE 3. Rating and Other Organizations
11750-11759.2
ARTICLE 4. Penalties for Misrepresentation
11760-11760.1
ARTICLE 5. Standards Applicable to Claims Adjusters
11761
CHAPTER 4. The State Compensation Insurance Fund
11770-11886.2
ARTICLE 1. Organization and Powers
11770-11805
ARTICLE 2. Rates
11820-11822
ARTICLE 3. Policies
11840-11846
ARTICLE 4. Reports and Statements
11860
ARTICLE 5. Coverage of Public Employers
11870-11874
ARTICLE 6. Penalties
11880-11881
ARTICLE 7. Transfer of Ownership
11885-11886.2
CHAPTER 5. Market Assistance Program for Long-Term Health Care Facility Liability Insurance
11890-11892
CHAPTER 6. Commercial Property: Vehicle Barrier Discount
11895
PART 4. MISCELLANEOUS CASUALTY INSURANCES
12050-12129
CHAPTER 1. Surety Insurers on Reserve Basis; Capital Requirements and Permitted Insurances
12050-12122
ARTICLE 1. Capital and Scope of Business
12050-12055
ARTICLE 2. Administrative Control
12070-12072
ARTICLE 3. Special Restrictions on Business
12090-12093
ARTICLE 4. Special Regulations
12095-12097
ARTICLE 5. Financial Guaranty Insurance
12100-12122
CHAPTER 2. Other Casualty Insurers on Reserve Basis; Capital Requirements and Permitted Insurances
12124
CHAPTER 3. Group and Individual Plans for Legal Insurance
12125-12129
PART 5. MOTOR CLUBS
12140-12311
CHAPTER 1. Definitions and Exemptions
12140-12159
CHAPTER 2. Certificate of Authority
12160-12170
CHAPTER 3. The Service Contract
12250-12256
CHAPTER 4. Agents
12280-12281
CHAPTER 5. Penalties
12311
PART 6. INSURANCE COVERING LAND
12340-12661
CHAPTER 1. Title Insurance
12340-12418.4
ARTICLE 1. Definitions
12340-12342
ARTICLE 2. Title Insurers; Capital and Guarantee Fund Requirements
12350-12360
ARTICLE 3. Title Insurers: Finances and Investments
12370-12377
ARTICLE 3.5. Unearned Premium Reserve and Reserve for Unpaid Losses and Loss Expense
12380-12388
ARTICLE 3.7. Underwritten Title Companies
12389-12389.7
ARTICLE 4. General Powers
12390-12394
ARTICLE 4.5. Business Plans
12396-12399
ARTICLE 5. Exemptions
12400-12400.5
ARTICLE 5.5. Rate Filing and Regulation
12401-12401.10
ARTICLE 5.7. Advisory Organizations
12402-12402.2
ARTICLE 6. Rebates and Commissions
12404-12413.5
ARTICLE 6.7. Hearings, Procedure, and Judicial Review
12414.13-12414.19
ARTICLE 6.9. Examinations, Penalties and Miscellaneous
12414.20-12414.31
ARTICLE 7. Annual Renewal Fees
12415-12417
ARTICLE 8. Title Insurance Representatives
12418-12418.4
CHAPTER 2A. Mortgage Guaranty Insurance
12640.01-12640.20
ARTICLE 1. Definitions
12640.01-12640.02
ARTICLE 2. Capital, Surplus and Contingency Reserve Requirements
12640.03-12640.06
ARTICLE 4. Limitations and Restrictions for Transacting Business
12640.07-12640.11
ARTICLE 5. Rebates and Commissions
12640.12-12640.15
ARTICLE 6. Financial Statements
12640.16
ARTICLE 7. Applicability of Other Laws
12640.17
ARTICLE 8. Additional Powers of Commissioner
12640.18
ARTICLE 9. Advertising
12640.19
ARTICLE 10. Fees
12640.20
CHAPTER 3. Land Value Insurance
12660-12661
PART 6.1. HEALTH DISABILITY INSURANCE CONVERSION
12670-12692.5
PART 6.2. HEALTHY FAMILIES
12693-12694.2
CHAPTER 1. Purpose
12693
CHAPTER 2. Definitions
12693.01-12693.17
CHAPTER 3. Creation of Program and Powers of the Board
12693.20-12693.23
CHAPTER 4. Administration
12693.25-12693.55
CHAPTER 5. Health Benefits and Copayments
12693.60-12693.62
CHAPTER 6. Dental Benefits and Copayments
12693.63-12693.64
CHAPTER 7. Vision Benefits and Copayments
12693.65-12693.66
CHAPTER 8. Linkages with Public Programs
12693.68-12693.69
CHAPTER 9. Eligibility
12693.70-12693.765
CHAPTER 10. Fiscal Integrity
12693.77
CHAPTER 11. Protection Against Substitution of Benefits
12693.80-12693.84
CHAPTER 12. Appeals
12693.85-12693.89
CHAPTER 14. Rural Demonstration Project
12693.91-12693.915
CHAPTER 15. Reports
12693.92-12693.95
CHAPTER 16. Funds
12693.96-12693.97
CHAPTER 16.1. Healthy Families Bridge Benefits Program
12693.98-12694
CHAPTER 16.2. Transition of Healthy Families Program Enrollees to Medi-Cal
12694.1-12694.2
PART 6.8. Program Transfers
12739.77-12739.79
PART 7. HOME PROTECTION
12740-12764
CHAPTER 1. Definitions and Licensing
12740-12745
CHAPTER 2. Fiscal Requirements
12750-12757
CHAPTER 3. Other Provisions
12760-12764
PART 8. SERVICE CONTRACTS
12800-12865
PART 9. Pet Insurance
12880-12880.6