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List of certificate holding companies", "publisher": "Cornell Legal Information Institute (reproducing the Code of Federal Regulations)", "url": "https://www.law.cornell.edu/cfr/text/31/223.16", "recordUrl": "https://bestinsuranceresearch.com/sources/cfr-31-223-16-treasury-circular-570", "officialHost": false, "sourceType": "regulation", "authorityLevel": "regulator", "primary": true, "jurisdiction": "US", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "cfr-44-61-11": { "title": "44 CFR 61.11 - Effective date and time of coverage under the Standard Flood Insurance Policy - New Business Applications and Endorsements", "publisher": "U.S. Government Publishing Office, Code of Federal Regulations", "url": "https://www.govinfo.gov/content/pkg/CFR-2024-title44-vol1/xml/CFR-2024-title44-vol1-sec61-11.xml", "recordUrl": "https://bestinsuranceresearch.com/sources/cfr-44-61-11", "officialHost": true, "sourceType": "regulation", "authorityLevel": "regulator", "primary": true, "jurisdiction": "US", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "cfr-45-164-404-lii": { "title": "45 CFR 164.404 - Notification to individuals (HIPAA Breach Notification Rule)", "publisher": "Cornell Legal Information Institute, reproducing the Code of Federal Regulations", "url": "https://www.law.cornell.edu/cfr/text/45/164.404", "recordUrl": "https://bestinsuranceresearch.com/sources/cfr-45-164-404-lii", "officialHost": false, "sourceType": "regulation", "authorityLevel": "secondary", "primary": false, "jurisdiction": "US", "publishedDate": "2013-01-25", "effectiveDate": "2013-03-26", "lastChecked": "2026-08-31", "status": "active" }, "chubb-cyber-cope-whitepaper": { "title": "Cyber COPE (R) Transforming Cyber Underwriting (by Patrick Thielen)", "publisher": "Chubb", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/transforming-cyber-underwriting/pdf/Cyber_COPE-Transforming_Cyber_Underwriting_2021-12.07_14-01-1210.pdf", "recordUrl": "https://bestinsuranceresearch.com/sources/chubb-cyber-cope-whitepaper", "officialHost": true, "sourceType": "official-documentation", "authorityLevel": "carrier-official", "primary": false, "jurisdiction": "US", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "ciga-claims": { "title": "Liability, Auto, and Property Claims - CIGA", "publisher": "California Insurance Guarantee Association", "url": "https://www.ciga.org/how-we-work/liability-auto-property-claims", "recordUrl": "https://bestinsuranceresearch.com/sources/ciga-claims", "officialHost": true, "sourceType": "official-documentation", "authorityLevel": "carrier-official", "primary": true, "jurisdiction": "CA", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "ciga-home": { "title": "California Insurance Guarantee Association - official site", "publisher": "California Insurance Guarantee Association", "url": "https://www.ciga.org/", "recordUrl": "https://bestinsuranceresearch.com/sources/ciga-home", "officialHost": true, "sourceType": "official-documentation", "authorityLevel": "carrier-official", "primary": true, "jurisdiction": "CA", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "cisa-cpg-2-0": { "title": "Cross-Sector Cybersecurity Performance Goals, Version 2.0", "publisher": "Cybersecurity and Infrastructure Security Agency, U.S. Department of Homeland Security", "url": "https://www.cisa.gov/sites/default/files/2025-12/CPG_Report_2.0_508c.pdf", "recordUrl": "https://bestinsuranceresearch.com/sources/cisa-cpg-2-0", "officialHost": true, "sourceType": "official-documentation", "authorityLevel": "secondary", "primary": true, "jurisdiction": "US", "publishedDate": "2025-12-01", "effectiveDate": "2025-12-01", "lastChecked": "2026-08-31", "status": "active" }, "cisa-cpg-program-page": { "title": "Cross-Sector Cybersecurity Performance Goals (program page)", "publisher": "Cybersecurity and Infrastructure Security Agency, U.S. Department of Homeland Security", "url": "https://www.cisa.gov/cross-sector-cybersecurity-performance-goals", "recordUrl": "https://bestinsuranceresearch.com/sources/cisa-cpg-program-page", "officialHost": true, "sourceType": "official-documentation", "authorityLevel": "secondary", "primary": true, "jurisdiction": "US", "publishedDate": "2025-12-01", "effectiveDate": "2025-12-01", "lastChecked": "2026-08-31", "status": "active" }, "citizens-eligibility-20pct": { "title": "New-Business Eligibility Rule Increases to 20% - Citizens Property Insurance Corporation", "publisher": "Citizens Property Insurance Corporation", "url": "https://www.citizensfla.com/-/20221228-new-business-eligibility-rule-increases-to-20-", "recordUrl": "https://bestinsuranceresearch.com/sources/citizens-eligibility-20pct", "officialHost": true, "sourceType": "official-documentation", "authorityLevel": "carrier-official", "primary": true, "jurisdiction": "FL", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "citizens-eligibility-pl-20pct": { "title": "Rule for New-Business Eligibility Increases to 20% (Personal Lines) - Citizens Property Insurance Corporation", "publisher": "Citizens Property Insurance Corporation", "url": "https://www.citizensfla.com/-/20210614-rule-for-new-business-eligibility-increases-to-20-", "recordUrl": "https://bestinsuranceresearch.com/sources/citizens-eligibility-pl-20pct", "officialHost": true, "sourceType": "official-documentation", "authorityLevel": "carrier-official", "primary": true, "jurisdiction": "FL", "publishedDate": "unknown", "effectiveDate": "unknown", "lastChecked": "2026-08-31", "status": "active" }, "citizens-flood-requirement": { "title": "New Flood Requirements Begin January 1 - Citizens Property Insurance Corporation", "publisher": "Citizens Property Insurance Corporation", "url": "https://www.citizensfla.com/-/new-flood-requirements-begin-january-1", "recordUrl": "https://bestinsuranceresearch.com/sources/citizens-flood-requirement", "officialHost": true, "sourceType": "official-documentation", "authorityLevel": "carrier-official", "primary": true, "jurisdiction": "FL", "publishedDate": "unknown", "effectiveDate": "unknown", "lastChecked": "2026-08-31", "status": "active" }, "co-crs-10-4-419": { "title": "Colorado Revised Statutes section 10-4-419 - Claims-made policy forms", "publisher": "FindLaw (Thomson Reuters), a commercial republication of the Colorado Revised Statutes", "url": "https://codes.findlaw.com/co/title-10-insurance/co-rev-st-sect-10-4-419/", "recordUrl": "https://bestinsuranceresearch.com/sources/co-crs-10-4-419", "officialHost": false, "sourceType": "statute", "authorityLevel": "secondary", "primary": false, "jurisdiction": "CO", "publishedDate": "unknown", "effectiveDate": "unknown", "lastChecked": "2026-08-31", "status": "active" }, "crmp-retrofit-next-steps": { "title": "Next Steps After Acceptance: Retrofit Program Guide", "publisher": "California Residential Mitigation Program (CRMP)", "url": "https://www.crmp.org/our-seismic-retrofit-programs/accepted-whats-next", "recordUrl": "https://bestinsuranceresearch.com/sources/crmp-retrofit-next-steps", "officialHost": true, "sourceType": "official-documentation", "authorityLevel": "secondary", "primary": true, "jurisdiction": "CA", "publishedDate": "unknown", "effectiveDate": "unknown", "lastChecked": "2026-08-31", "status": "active" }, "cslb-license-bonds-fast-facts": { "title": "Fast Facts: A Guide to Contractor License Bonds (Rev. 12/22)", "publisher": "California Contractors State License Board (CSLB), Department of Consumer Affairs", "url": "https://cslb.ca.gov/Resources/GuidesAndPublications/ContractorsLicenseBondsGuide.pdf", "recordUrl": "https://bestinsuranceresearch.com/sources/cslb-license-bonds-fast-facts", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "CA", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "cslb-workers-comp-requirements": { "title": "Workers' Compensation Requirements", "publisher": "California Contractors State License Board", "url": "https://www.cslb.ca.gov/contractors/maintain_license/workers_compensation.aspx", "recordUrl": "https://bestinsuranceresearch.com/sources/cslb-workers-comp-requirements", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "CA", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "dir-dwc-employer-faqs": { "title": "Answers to frequently asked questions about workers' compensation for employers", "publisher": "California Department of Industrial Relations, Division of Workers' Compensation", "url": "https://www.dir.ca.gov/dwc/faqs.html", "recordUrl": "https://bestinsuranceresearch.com/sources/dir-dwc-employer-faqs", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "CA", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "dol-whd-fmla-faq": { "title": "Family and Medical Leave Act - Frequently Asked Questions", "publisher": "U.S. Department of Labor, Wage and Hour Division", "url": "https://www.dol.gov/agencies/whd/fmla/faq", "recordUrl": "https://bestinsuranceresearch.com/sources/dol-whd-fmla-faq", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "US", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "dol-whd-fs21-flsa-recordkeeping": { "title": "Fact Sheet #21: Recordkeeping Requirements under the Fair Labor Standards Act", "publisher": "U.S. Department of Labor, Wage and Hour Division", "url": "https://www.dol.gov/agencies/whd/fact-sheets/21-flsa-recordkeeping", "recordUrl": "https://bestinsuranceresearch.com/sources/dol-whd-fs21-flsa-recordkeeping", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "US", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "dol-workplace-posters": { "title": "Workplace Posters", "publisher": "U.S. Department of Labor", "url": "https://www.dol.gov/general/topics/posters", "recordUrl": "https://bestinsuranceresearch.com/sources/dol-workplace-posters", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "US", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "eeoc-enforcement-guidance-harassment-workplace-2024": { "title": "Enforcement Guidance on Harassment in the Workplace", "publisher": "U.S. Equal Employment Opportunity Commission", "url": "https://www.eeoc.gov/laws/guidance/enforcement-guidance-harassment-workplace", "recordUrl": "https://bestinsuranceresearch.com/sources/eeoc-enforcement-guidance-harassment-workplace-2024", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "US", "publishedDate": "2024-04-29", "effectiveDate": "2024-04-29", "lastChecked": "2026-09-01", "status": "rescinded", "statusNote": "Approved by the Commission on April 29, 2024 by a 3-2 vote, replacing the 1999 vicarious liability guidance and several other earlier documents. Portions were declared unlawful and vacated nationwide on May 15, 2025 in Texas, et al. v. EEOC. The Commission then voted 2-1 on January 22, 2026 to rescind the guidance, announced January 23, 2026. Nothing was issued in its place. It is recorded here because the document it replaced points at it, and because a reader must not assume a current EEOC enforcement guidance on workplace harassment exists." }, "eeoc-guidance-vicarious-liability-supervisor-harassment": { "title": "Enforcement Guidance: Vicarious Liability for Unlawful Harassment by Supervisors", "publisher": "U.S. Equal Employment Opportunity Commission", "url": "https://www.eeoc.gov/policy/docs/harassment.html", "recordUrl": "https://bestinsuranceresearch.com/sources/eeoc-guidance-vicarious-liability-supervisor-harassment", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "US", "publishedDate": "1999-06-18", "effectiveDate": "1999-06-18", "lastChecked": "2026-09-01", "status": "superseded", "statusNote": "The page carries the notice: \"This document was superseded on April 29, 2024 by the new Enforcement Guidance on Harassment in the Workplace.\" That replacement was itself partially vacated nationwide on May 15, 2025 and then rescinded by Commission vote on January 22, 2026, so following the chain does not reach a current EEOC enforcement guidance on workplace harassment. Recorded as active until 2026-09-01, which was wrong: the supersession notice had been on the publisher page since April 2024.", "supersededBy": "eeoc-enforcement-guidance-harassment-workplace-2024" }, "eeoc-newsroom-rescind-2024-harassment-guidance": { "title": "EEOC Commission Votes to Rescind 2024 Harassment Guidance", "publisher": "U.S. Equal Employment Opportunity Commission", "url": "https://www.eeoc.gov/newsroom/eeoc-commission-votes-rescind-2024-harassment-guidance", "recordUrl": "https://bestinsuranceresearch.com/sources/eeoc-newsroom-rescind-2024-harassment-guidance", "officialHost": true, "sourceType": "regulator-record", "authorityLevel": "regulator", "primary": true, "jurisdiction": "US", "publishedDate": "2026-01-23", "effectiveDate": "2026-01-22", "lastChecked": "2026-09-01", "status": "active" }, "eeoc-promising-practices-preventing-harassment": { "title": "Promising Practices for Preventing Harassment", "publisher": "U.S. Equal Employment Opportunity Commission", "url": "https://www.eeoc.gov/laws/guidance/promising-practices-preventing-harassment", "recordUrl": "https://bestinsuranceresearch.com/sources/eeoc-promising-practices-preventing-harassment", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": false, "jurisdiction": "US", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "eeoc-recordkeeping-requirements": { "title": "Recordkeeping Requirements", "publisher": "U.S. Equal Employment Opportunity Commission", "url": "https://www.eeoc.gov/employers/recordkeeping-requirements", "recordUrl": "https://bestinsuranceresearch.com/sources/eeoc-recordkeeping-requirements", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "US", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "eeoc-small-business-requirements": { "title": "Small Business Requirements", "publisher": "U.S. Equal Employment Opportunity Commission", "url": "https://www.eeoc.gov/employers/small-business/small-business-requirements", "recordUrl": "https://bestinsuranceresearch.com/sources/eeoc-small-business-requirements", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "US", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "eeoc-time-limits-filing-charge": { "title": "Time Limits For Filing A Charge", "publisher": "U.S. Equal Employment Opportunity Commission", "url": "https://www.eeoc.gov/time-limits-filing-charge", "recordUrl": "https://bestinsuranceresearch.com/sources/eeoc-time-limits-filing-charge", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "US", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "far-28-102-1": { "title": "FAR 28.102-1 - Performance and payment bonds and alternative payment protections for construction contracts, General", "publisher": "U.S. General Services Administration (Acquisition.gov, Federal Acquisition Regulation)", "url": "https://www.acquisition.gov/far/28.102-1", "recordUrl": "https://bestinsuranceresearch.com/sources/far-28-102-1", "officialHost": true, "sourceType": "regulation", "authorityLevel": "regulator", "primary": true, "jurisdiction": "US", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "fema-nfip-eligibility": { "title": "Eligibility | National Flood Insurance Program", "publisher": "FEMA, National Flood Insurance Program (FloodSmart)", "url": "https://www.floodsmart.gov/get-insured/eligibility", "recordUrl": "https://bestinsuranceresearch.com/sources/fema-nfip-eligibility", "officialHost": true, "sourceType": "official-documentation", "authorityLevel": "regulator", "primary": true, "jurisdiction": "US", "publishedDate": "unknown", "effectiveDate": "unknown", "lastChecked": "2026-08-31", "status": "active" }, "fhcf-about": { "title": "About the FHCF - Florida Hurricane Catastrophe Fund", "publisher": "State Board of Administration of Florida, Florida Hurricane Catastrophe Fund", "url": "https://fhcf.sbafla.com/about-the-fhcf/", "recordUrl": "https://bestinsuranceresearch.com/sources/fhcf-about", "officialHost": true, "sourceType": "government-data", "authorityLevel": "regulator", "primary": true, "jurisdiction": "FL", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "fhcf-home": { "title": "Florida Hurricane Catastrophe Fund - home page", "publisher": "State Board of Administration of Florida, Florida Hurricane Catastrophe Fund", "url": "https://fhcf.sbafla.com/", "recordUrl": "https://bestinsuranceresearch.com/sources/fhcf-home", "officialHost": true, "sourceType": "government-data", "authorityLevel": "regulator", "primary": true, "jurisdiction": "FL", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "fl-dfs-consumer-services": { "title": "Division of Consumer Services - Florida Department of Financial Services", "publisher": "Florida Department of Financial Services", "url": "https://www.myfloridacfo.com/division/consumers", "recordUrl": "https://bestinsuranceresearch.com/sources/fl-dfs-consumer-services", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "FL", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "fl-dfs-wc-requirements": { "title": "Employer coverage requirements - Florida Division of Workers' Compensation", "publisher": "Florida Department of Financial Services, Division of Workers' Compensation", "url": "https://www.myfloridacfo.com/division/wc/employee/employer-coverage-requirements", "recordUrl": "https://bestinsuranceresearch.com/sources/fl-dfs-wc-requirements", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "FL", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "fl-hb1181-2025-bill": { "title": "Florida HB 1181 (2025) - Motor Vehicle Insurance, bill history", "publisher": "The Florida Senate (flsenate.gov)", "url": "https://www.flsenate.gov/Session/Bill/2025/1181", "recordUrl": "https://bestinsuranceresearch.com/sources/fl-hb1181-2025-bill", "officialHost": true, "sourceType": "legislative-record", "authorityLevel": "primary-law", "primary": true, "jurisdiction": "FL", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-09-01", "status": "not-adopted", "statusNote": "HB 1181 (2025) did not become law. It was indefinitely postponed in the House Judiciary Committee on May 3, 2025, and the bill history records the last action as \"6/16/2025 House - Died in Judiciary Committee\". Cited for legislative history only. A reader who sees this bill cited and assumes Florida no-fault has been repealed has been misled." }, "fl-oir-choices": { "title": "CHOICES Rate Comparison Search - Florida Office of Insurance Regulation", "publisher": "Florida Office of Insurance Regulation", "url": "https://floir.gov/consumers/choices-rate-comparison-search", "recordUrl": "https://bestinsuranceresearch.com/sources/fl-oir-choices", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "FL", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "fl-oir-home": { "title": "Florida Office of Insurance Regulation - official site", "publisher": "Florida Office of Insurance Regulation", "url": "https://floir.gov/", "recordUrl": "https://bestinsuranceresearch.com/sources/fl-oir-home", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "FL", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "fl-sb-54-2021-bill": { "title": "Florida SB 54 (2021) - Motor Vehicle Insurance, bill history", "publisher": "The Florida Senate (flsenate.gov)", "url": "https://www.flsenate.gov/Session/Bill/2021/54", "recordUrl": "https://bestinsuranceresearch.com/sources/fl-sb-54-2021-bill", "officialHost": true, "sourceType": "legislative-record", "authorityLevel": "primary-law", "primary": true, "jurisdiction": "FL", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-09-01", "status": "not-adopted", "statusNote": "CS/CS/SB 54 (2021) passed both chambers, the Senate 37-3 and the House 100-16, and was then vetoed by the Governor on June 29, 2021. The bill history records the last action as \"3/15/2022 Senate - Veto Message transmitted to Secretary of State\". It never became law, so the no-fault repeal it proposed did not take effect. A companion measure, CS/SB 420, was enacted as Chapter 2021-96. Cited for legislative history only." }, "fl-stat-324-021": { "title": "Florida Statutes Section 324.021 (2026) - Definitions; minimum insurance required", "publisher": "The Florida Senate (flsenate.gov)", "url": "https://www.flsenate.gov/laws/statutes/2026/324.021", "recordUrl": "https://bestinsuranceresearch.com/sources/fl-stat-324-021", "officialHost": true, "sourceType": "statute", "authorityLevel": "primary-law", "primary": true, "jurisdiction": "FL", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "fl-stat-324-022": { "title": "Florida Statutes Section 324.022 (2026) - Financial responsibility for property damage", "publisher": "The Florida Senate (flsenate.gov)", "url": "https://www.flsenate.gov/laws/statutes/2026/324.022", "recordUrl": "https://bestinsuranceresearch.com/sources/fl-stat-324-022", "officialHost": true, "sourceType": "statute", "authorityLevel": "primary-law", "primary": true, "jurisdiction": "FL", "publishedDate": "unknown", "effectiveDate": "n/a", "lastChecked": "2026-08-31", "status": "active" }, "fl-stat-324-023": { "title": "Florida Statutes Section 324.023 (2026) - 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(2022) 56 F.4th 730.", "sourceId": "another-planet-2024", "reliedOnBy": [ "https://bestinsuranceresearch.com/examples/virus-presence-direct-physical-loss" ] }, { "claimId": "ca-10-ccr-2695-183#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-10-ccr-2695-183#c1", "checksum": "b6e5bb2f2e42", "text": "California Code of Regulations Title 10 section 2695.183, titled Standards for Estimates of Replacement Value, exists; the filing note reads New section filed 12-29-2010; operative 6-27-2011 pursuant to Government Code section 11343.4(b) (Register 2010, No. 53).", "sourceId": "ca-10-ccr-2695-183", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-10-ccr-2695-183#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-10-ccr-2695-183#c2", "checksum": "c557478700ca", "text": "An estimate of replacement cost must include the cost of labor, building materials and supplies; overhead and profit; the cost of demolition and debris removal; and the cost of permits and architect's plans.", "sourceId": "ca-10-ccr-2695-183", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-10-ccr-2695-183#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-10-ccr-2695-183#c3", "checksum": "18572abb2284", "text": "The estimate must consider components and features of the insured structure including type of foundation, type of frame, roofing materials and type of roof, siding materials and type of siding, whether the structure is located on a slope, the square footage of the living space, geographic location of property, number of stories and any nonstandard wall heights, materials used in and generic types of interior features and finishes, age of the structure or the year it was built, and size and type of attached garage.", "sourceId": "ca-10-ccr-2695-183", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-10-ccr-2695-183#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-10-ccr-2695-183#c4", "checksum": "26a9ddc2e723", "text": "The estimate of replacement cost shall be based on an estimate of the cost to rebuild or replace the structure taking into account the cost to reconstruct the single property being evaluated, as compared to the cost to build multiple, or tract, dwellings.", "sourceId": "ca-10-ccr-2695-183", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-10-ccr-2695-183#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-10-ccr-2695-183#c5", "checksum": "0ecc15e15cd1", "text": "The estimate of replacement cost shall not be based upon the resale value of the land, or upon the amount or outstanding balance of any loan.", "sourceId": "ca-10-ccr-2695-183", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-10-ccr-2695-183#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-10-ccr-2695-183#c6", "checksum": "7390ee3876dc", "text": "The estimate of replacement cost shall not include a deduction for physical depreciation.", "sourceId": "ca-10-ccr-2695-183", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-10-ccr-2695-183#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-10-ccr-2695-183#c7", "checksum": "8001185b13cb", "text": "The licensee shall, no less frequently than annually, take reasonable steps to verify that the sources and methods used to generate the estimate of replacement cost are kept current.", "sourceId": "ca-10-ccr-2695-183", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-10-ccr-2695-183#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-10-ccr-2695-183#c8", "checksum": "be1e5e519519", "text": "Subdivision (g)(1) sets more than one clock. The licensee must provide a copy of the estimate of replacement cost to the applicant or insured at the time the estimate is communicated. In the event the estimate is communicated by telephone to an insured, the copy shall be mailed to the insured no later than three business days after the time of the telephone conversation. 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"https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c14", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c14", "checksum": "bf5a7414c19a", "text": "CDI states that although surplus line insurers must follow the Fair Claims Settlement Practices Regulations, the CDI has limited jurisdiction over the operation of surplus line insurers.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c15", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c15", "checksum": "2f6337ed160e", "text": "CDI states that the California Insurance Guarantee Association (CIGA), which protects claims with admitted insurers, does not apply to surplus line insurers.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c16", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c16", "checksum": "fbbf13f77a15", "text": "There are three primary coverage sections that make up a CGL policy: premises liability, products liability and completed operations.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c17", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c17", "checksum": "1e7d57f8ecc3", "text": "Premises liability covers liability for accidental injury or property damage that results from either a condition on your premises or your operations in progress, whether on or away from your premises.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c18", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c18", "checksum": "8b554e3cafcf", "text": "A products liability hazard exists for any business that manufactures, sells, handles, or distributes goods or products.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c19", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c19", "checksum": "a6545d40e6af", "text": "Completed operations covers your potential liability for bodily injury or property damage that arises out of your completed work.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c20", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c20", "checksum": "11e407089a75", "text": "The CGL policy has separate limits of insurance for general liability, fire legal liability, products and completed operations liability, advertising and personal liability, and medical payments.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c21", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c21", "checksum": "4f8d9d6c1418", "text": "The page carries the line Form 700 Revised June 14, 2024.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c22", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c22", "checksum": "bf3488a23770", "text": "The guide states that inland marine is a specialized type of property insurance that primarily covers damage to or destruction of your business property while in transport.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c23", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c23", "checksum": "42292457aeb1", "text": "The guide states that inland marine insurance can cover a variety of transportation exposures, however it does not cover boating transportation, which is covered 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"checksum": "6a75f8775b29", "text": "The guide states that standard perils in inland marine may include fire, lightning, windstorm, flood, earthquake, landslide, theft, collision, derailment, overturn of the transporting vehicle, and bridge collapse.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c26", "canonicalUrl": 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"https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c29", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c29", "checksum": "aaa0b25d5f3a", "text": "The guide states that there is also a separate aggregate limit of liability in force for products and completed operations liability claims.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c30", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c30", "checksum": "2916605bb9c0", "text": "The guide defines split limits as the technique for expressing limits of liability coverage under a particular insurance policy by stating separate limits for different types of claims growing out of a single event or combination of events.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c31", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c31", "checksum": "8c94549b2f45", "text": "The guide states that if a building is not insured to value the insured can be subject to a monetary penalty at the time of a loss, commonly referred to as coinsurance, and defines coinsurance as an insurance clause that defines the amount of each loss that the company pays according to the amount of insurance carried, divided by the amount of insurance required.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c32", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c32", "checksum": "83448402828f", "text": "The guide states that the California Insurance Guarantee Association (CIGA), which protects claims with admitted insurers, does not apply to surplus line insurers.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-cdi-commercial-insurance-guide#c33", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-cdi-commercial-insurance-guide#c33", "checksum": "615e51ca0f01", "text": "The guide states that while surplus line companies are not licensed by the CDI, they do have to go through an approval process that includes providing evidence of minimum capital and surplus requirements.", "sourceId": "ca-cdi-commercial-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-civ-2782#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782#c1", "checksum": "cb1c93dcb04c", "text": "Section 2782(a) makes void and unenforceable construction contract provisions that purport to indemnify the promisee against liability for damages for death or bodily injury to persons, injury to property, or any other loss, damage or expense arising from the sole negligence or willful misconduct of the promisee or the promisee's agents, servants, or independent contractors who are directly responsible to the promisee, or for defects in design furnished by those persons.", "sourceId": "ca-civ-2782", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-2782#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782#c2", "checksum": "1adfc5ad66bd", "text": "Section 2782(a) further provides that the section shall not affect the validity of any insurance contract, workers' compensation, or agreement issued by an admitted insurer as defined by the Insurance Code.", "sourceId": "ca-civ-2782", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-2782#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782#c3", "checksum": "7dd88a5d1b2c", "text": "Section 2782(b)(1) voids provisions in construction contracts with a public agency entered into before January 1, 2013 that purport to impose on the contractor, or relieve the public agency from, liability for the active negligence of the public agency.", "sourceId": "ca-civ-2782", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-2782#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782#c4", "checksum": "e2ec071e6b38", "text": "Section 2782(b)(2) voids provisions in construction contracts with a public agency entered into on or after January 1, 2013 that purport to impose on any contractor, subcontractor, or supplier of goods or services, or relieve the public agency from, liability for the active negligence of the public agency.", "sourceId": "ca-civ-2782", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-2782#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782#c5", "checksum": "34b97b58ca19", "text": "Section 2782(c)(1) makes provisions in construction contracts entered into on or after January 1, 2013 with the owner of privately owned real property to be improved, and as to which the owner is not acting as a contractor or supplier of materials or equipment to the work, unenforceable to the extent of the active negligence of the owner, including that of its employees.", "sourceId": "ca-civ-2782", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-2782#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782#c6", "checksum": "3ddd22ebcd45", "text": "The section page shows the history line: Amended by Stats. 2011, Ch. 707, Sec. 2. (SB 474) Effective January 1, 2012.", "sourceId": "ca-civ-2782", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-2782-05#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782-05#c1", "checksum": "7e73b9bdaea4", "text": "Section 2782.05(a) applies, except as provided in subdivision (b), to construction contracts and amendments entered into on or after January 1, 2013.", "sourceId": "ca-civ-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-2782-05#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782-05#c2", "checksum": "cffa059a732d", "text": "Section 2782.05(a) makes provisions that purport to insure or indemnify, including the cost to defend, a general contractor, construction manager, or other subcontractor, by a subcontractor, against liability for claims of death or bodily injury to persons, injury to property, or any other loss, damage, or expense void and unenforceable to the extent the claims arise out of, pertain to, or relate to the active negligence or willful misconduct of that general contractor, construction manager, or other subcontractor, or their other agents, other servants, or other independent contractors who are responsible to them, or for defects in design furnished by those persons, or to the extent the claims do not arise out of the scope of work of the subcontractor pursuant to the construction contract. The voiding operates to the extent stated, not as an automatic voiding of the entire clause.", "sourceId": "ca-civ-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-2782-05#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782-05#c3", "checksum": "f7422b86a8de", "text": "Section 2782.05(b)(1) excepts contracts for residential construction subject to any part of Title 7 (commencing with Section 895) of Part 2 of Division 2.", "sourceId": "ca-civ-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-2782-05#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782-05#c4", "checksum": "d3e192a95b17", "text": "Section 2782.05(b)(2) excepts direct contracts with a public agency governed by subdivision (b) of Section 2782, and (b)(3) excepts direct contracts with the owner of privately owned real property to be improved that are governed by subdivision (c) of Section 2782.", "sourceId": "ca-civ-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-2782-05#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782-05#c5", "checksum": "2fc11d75aefe", "text": "Section 2782.05(b)(4) excepts any wrap-up insurance policy or program, and (b)(5) excepts a cause of action for breach of contract or warranty that exists independently of an indemnity obligation.", "sourceId": "ca-civ-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-2782-05#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782-05#c6", "checksum": "33c1ccc421f2", "text": "Section 2782.05(b)(6) excepts a provision in a construction contract that requires the promisor to purchase or maintain insurance covering the acts or omissions of the promisor, including additional insurance endorsements covering the acts or omissions of the promisor during ongoing and completed operations.", "sourceId": "ca-civ-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-2782-05#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782-05#c7", "checksum": "9c77731cff7f", "text": "Section 2782.05(c) provides that, notwithstanding any choice-of-law rules that would apply the laws of another jurisdiction, the law of California shall apply to every contract to which the section applies.", "sourceId": "ca-civ-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-2782-05#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-2782-05#c8", "checksum": "e295f9e953b3", "text": "The section page shows the history line: Added by Stats. 2011, Ch. 707, Sec. 3. (SB 474) Effective January 1, 2012.", "sourceId": "ca-civ-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782#c1", "checksum": "8ac7dc0b924e", "text": "Section 2782(a) provides that, except as provided in Sections 2782.1, 2782.2, 2782.5, and 2782.6, provisions, clauses, covenants, or agreements contained in, collateral to, or affecting any construction contract that purport to indemnify the promisee against liability for damages for death or bodily injury to persons, injury to property, or any other loss, damage or expense arising from the sole negligence or willful misconduct of the promisee or the promisee's agents, servants, or independent contractors who are directly responsible to the promisee, or for defects in design furnished by those persons, are against public policy and are void and unenforceable.", "sourceId": "ca-civ-code-2782", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782#c2", "checksum": "af0fd0bfad2d", "text": "Subdivision (a) closes with a proviso that the section shall not affect the validity of any insurance contract, workers' compensation, or agreement issued by an admitted insurer as defined by the Insurance Code.", "sourceId": "ca-civ-code-2782", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782#c3", "checksum": "a213303ae560", "text": "Section 2782(b)(1) provides that, except as provided in Sections 2782.1, 2782.2, and 2782.5, provisions, clauses, covenants, or agreements contained in, collateral to, or affecting any construction contract with a public agency entered into before January 1, 2013, that purport to impose on the contractor, or relieve the public agency from, liability for the active negligence of the public agency are void and unenforceable.", "sourceId": "ca-civ-code-2782", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782#c4", "checksum": "8430ecf53852", "text": "Section 2782(b)(2) states the same rule for any construction contract with a public agency entered into on or after January 1, 2013, and reaches provisions that purport to impose that liability on any contractor, subcontractor, or supplier of goods or services, or to relieve the public agency from it.", "sourceId": "ca-civ-code-2782", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782#c5", "checksum": "c5a391a00b06", "text": "Section 2782(c)(1) provides that, except as provided in subdivision (d) and Sections 2782.1, 2782.2, and 2782.5, provisions, clauses, covenants, or agreements contained in, collateral to, or affecting any construction contract entered into on or after January 1, 2013, with the owner of privately owned real property to be improved and as to which the owner is not acting as a contractor or supplier of materials or equipment to the work, that purport to impose on any contractor, subcontractor, or supplier of goods or services, or relieve the owner from, liability are unenforceable to the extent of the active negligence of the owner, including that of 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subdivision shall not apply to a homeowner performing a home improvement project on his or her own single family dwelling.", "sourceId": "ca-civ-code-2782", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782#c8", "checksum": "3150589c33bb", "text": "The section continues through subdivisions (d) to (i), which address indemnity for residential construction defect claims subject to Title 7, the defense and reimbursement procedure between subcontractors and builders or general contractors, remedies for nonperformance, preservation of equitable indemnity rights, claims against material suppliers and design professionals, and the definition of construction defect. Nothing in this cluster is drawn from those subdivisions.", "sourceId": "ca-civ-code-2782", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782#c9", "checksum": "62fe74d0149b", "text": "The page carries the note 'Amended by Stats. 2011, Ch. 707, Sec. 2. 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By its own words the section does not reach a construction contract entered into before that date, and it does not reach contracts that are not construction contracts.", "sourceId": "ca-civ-code-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782-05#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782-05#c2", "checksum": "66646baf8be6", "text": "Within that scope, and except as provided in subdivision (b), Section 2782.05(a) makes void and unenforceable provisions that purport to insure or indemnify, including the cost to defend, a general contractor, construction manager, or other subcontractor, by a subcontractor, against liability for claims of death or bodily injury to persons, injury to property, or any other loss, damage, or expense, to the extent the claims arise out of, pertain to, or relate to the active negligence or willful misconduct of that general contractor, construction manager, or other subcontractor.", "sourceId": "ca-civ-code-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782-05#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782-05#c3", "checksum": "4edd1b3dcb20", "text": "Subdivision (b) contains thirteen numbered paragraphs listing categories the section does not affect. The ones verified word for word on the page and relied on in this cluster are (b)(1) contracts for residential construction subject to any part of Title 7, (b)(2) direct contracts with a public agency governed by Section 2782(b), (b)(3) direct contracts with the owner of privately owned real property governed by Section 2782(c), (b)(4) any wrap-up insurance policy or program, (b)(5) a cause of action for breach of contract or warranty that exists independently of an indemnity obligation, (b)(7) indemnity provisions contained in loan and financing documents, (b)(8) general agreements of indemnity required by sureties as a condition of execution of bonds, (b)(9) the benefits and protections provided by the workers' compensation laws, (b)(10) the benefits or protections provided by the governmental immunity laws, and (b)(12) contracts with design professionals.", "sourceId": "ca-civ-code-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782-05#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782-05#c4", "checksum": "73085e2239e0", "text": "Subdivision (b) also contains (b)(11), which opens 'Provisions that require the purchase of any of the following:' and then lists specified insurance beginning with owners and contractors protective coverage, and (b)(13), which opens 'Any agreement between a promisor and an admitted surety insurer regarding the promisor's obligations'. Neither was captured in full on the fetched page, so neither is recited in this cluster and the list above should be read as partial.", "sourceId": "ca-civ-code-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782-05#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782-05#c5", "checksum": "149999a1ac21", "text": "Subdivision (b)(6) preserves a provision in such a construction contract that requires the promisor to purchase or maintain insurance covering the acts or omissions of the promisor, including additional insured endorsements covering the acts or omissions of the promisor during ongoing and completed operations.", "sourceId": "ca-civ-code-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782-05#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782-05#c6", "checksum": "7f9ad94023c0", "text": "Subdivision (c) opens 'Notwithstanding any choice-of-law rules that would apply the laws of another jurisdiction, the law of' and applies California law to a contract within the section's scope.", "sourceId": "ca-civ-code-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782-05#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782-05#c7", "checksum": "0d4ec07dbf94", "text": "Subdivision (d) provides that any waiver of the provisions of the section is contrary to public policy and is void and unenforceable.", "sourceId": "ca-civ-code-2782-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ca-civ-code-2782-05#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-2782-05#c8", "checksum": "0310f746ec49", "text": "The page carries the note 'Added by Stats. 2011, Ch. 707, Sec. 3. 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that except as provided in paragraph (4), unless otherwise provided in the declaration of a common interest development, the association is responsible for repairing, replacing, and maintaining the common area.", "sourceId": "ca-civ-code-4775", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/community-association-california", "https://bestinsuranceresearch.com/tools/community-association-position" ] }, { "claimId": "ca-civ-code-4775#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-civ-code-4775#c2", "checksum": "5bb0b495c30b", "text": "Section 4775(a)(3) provides that unless otherwise provided in the declaration of a common interest development, the owner of each separate interest is responsible for repairing, replacing, and maintaining that separate interest.", "sourceId": "ca-civ-code-4775", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/community-association-california", 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"claimId": "ca-ins-code-10081#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10081#c3", "checksum": "a189340c87c5", "text": "The section was added by Stats. 1984, Ch. 916, Sec. 1.", "sourceId": "ca-ins-code-10081", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/states/california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10081#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10081#c4", "checksum": "578e349bd7f3", "text": "Section 10081 reads: 'No policy of residential property insurance may be issued or delivered or, with respect to policies in effect on the effective date of this chapter, initially renewed in this state by any insurer unless the named insured is offered coverage for loss or damage caused by the peril of earthquake as provided in this chapter.'", "sourceId": "ca-ins-code-10081", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/states/california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10081#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10081#c5", "checksum": "a015a460959d", "text": "Section 10081 continues: 'That coverage may be provided in the policy of 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However, those standards shall not permit an insurer to provide a policy of residential property insurance unless the offer of coverage required by this chapter is made.'", "sourceId": "ca-ins-code-10082", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10082#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10082#c3", "checksum": "d28853e84099", "text": "The section carries the note 'Amended by Stats. 1996, Ch. 124, Sec. 77. Effective January 1, 1997.'", "sourceId": "ca-ins-code-10082", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10082#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10082#c4", "checksum": "064f0ceb570e", "text": "Section 10082 contains no offer-timing language; the 60-day window is in Section 10083(a).", "sourceId": "ca-ins-code-10082", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10083#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c1", "checksum": "a8d140b98441", "text": "The offer of earthquake coverage may be made prior to, concurrent with, or within 60 days following the issuance or renewal of a residential property insurance policy.", "sourceId": "ca-ins-code-10083", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10083#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c2", "checksum": "5f8add6acf77", "text": "If the offer is not accepted, the insurer must offer earthquake coverage on an every other year basis in connection with any continuation, renewal, reinstatement, or policy that extends or replaces the residential property insurance policy.", "sourceId": "ca-ins-code-10083", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10083#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c3", "checksum": "790ea64afc55", "text": "The prescribed offer includes the statement that if the insured does not accept the offer of earthquake insurance within 30 days of the mailing of the notice, the insurance company shall presume that the insured has not accepted the offer.", "sourceId": "ca-ins-code-10083", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", 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earthquake insurance coverage begins.", "sourceId": "ca-ins-code-10083", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10083#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c7", "checksum": "343ff12a7d67", "text": "The section became operative on January 1, 2019.", "sourceId": "ca-ins-code-10083", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", 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"ca-ins-code-10083#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c11", "checksum": "29ad9bab4ecc", "text": "The prescribed offer language includes fill-in items labeled '(A) Amount of Dwelling/Building Coverage Limit', '(B) Deductible', '(C) Contents Coverage Limit', '(D) Additional Living Expenses Coverage Limit', and '(E) Estimated Annual Premium'.", "sourceId": "ca-ins-code-10083", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10083#c12", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c12", "checksum": 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accepted, the insurer or any affiliated insurer shall be required on an every other year basis to offer earthquake coverage in connection with any continuation, renewal, or reinstatement of the policy following any lapse thereof, or with respect to any other policy that extends, changes, supersedes, or replaces the policy of residential property insurance.'", "sourceId": "ca-ins-code-10083", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10083#c14", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c14", "checksum": "220d03f73e00", "text": "Section 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The section note reads 'Amended (as amended by Stats. 2014, Ch. 427, Sec. 2.5) by Stats. 2016, Ch. 549, Sec. 2. (AB 499) Effective January 1, 2017. Section operative January 1, 2019, by its own provisions.'", "sourceId": "ca-ins-code-10083", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10087#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10087#c1", "checksum": "3a2a991cfa35", "text": "The definition in this section is scoped to the earthquake insurance chapter in which it sits and does not purport to define residential property insurance for any other purpose.", "sourceId": "ca-ins-code-10087", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", 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"claimId": "ca-ins-code-10087#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10087#c3", "checksum": "e126a16ceafb", "text": "The definition does not include insurance for real property or its contents used for any commercial, industrial, or business purpose, except a structure of not more than four dwelling units rented for individual residential purposes.", "sourceId": "ca-ins-code-10087", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10087#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10087#c4", "checksum": "599dbeb5bc5a", "text": "The definition does not include policies that do not provide the perils of a standard fire policy.", "sourceId": "ca-ins-code-10087", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10087#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10087#c5", "checksum": "6b675f2b64b7", "text": "The definition excludes policies issued on or after January 1, 2022 providing coverage for fines, penalties, restitution, or losses arising from recovery residences or substance abuse treatment facilities, subject to a carve-out for certain not-for-profit resident-managed recovery residences.", "sourceId": "ca-ins-code-10087", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10087#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10087#c6", "checksum": "19bf2c7e34e1", "text": "Proof of first-class mailing creates a conclusive presumption of delivery, as does a signed receipt for hand delivery.", "sourceId": "ca-ins-code-10087", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089#c1", "checksum": "2276d106f352", "text": "Section 10089(a)(1) requires the offer to include dwelling coverage 'not including outbuildings, appurtenant structures, swimming pools, masonry fences and walls not necessary for the structural integrity of the dwelling, walkways and patios not necessary for regular ingress or egress from the dwelling, awnings or other patio coverings, decorative or artistic features including plaster if other covering would be more cost-effective, landscaping, or masonry chimneys, provided that the policy covers replacement of a damaged masonry chimney with a nonmasonry, earthquake resistant chimney.'", "sourceId": "ca-ins-code-10089", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089#c2", "checksum": "955efdca4024", "text": "Section 10089(a)(2) requires 'contents coverage either in an amount not less than 10 percent of the amount of the covered dwelling loss, or in an amount not less than five thousand dollars ($5,000)', and provides that the insurer elects which of the two contents coverages it will use at the time it files its rate application, after which the elected option must be offered to every policyholder who receives an offer under the chapter.", "sourceId": "ca-ins-code-10089", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089#c3", "checksum": "08d4796757b5", "text": "Section 10089(a)(3) requires 'additional living expenses of an amount no less than one thousand five hundred dollars ($1,500) to cover expenses while the residential dwelling remains uninhabitable due to physical loss or damage from the peril of earthquake.'", "sourceId": "ca-ins-code-10089", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089#c4", "checksum": "c6910b5ff1a4", "text": "Section 10089(b), a separate subdivision from the (a) minimums, reads: 'Coverages provided in paragraphs (1) and (2) of subdivision (a) shall not contain a deductible of more than 15 percent of coverage provided for the dwelling.'", "sourceId": "ca-ins-code-10089", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089#c5", "checksum": "aa342a7cfbf9", "text": "Section 10089(c) permits the commissioner to approve rate applications allowing an insurer to offer coverage other than the coverage specified in the section, provided at least one coverage offered meets the section's criteria.", "sourceId": "ca-ins-code-10089", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089#c6", "checksum": "1f2feb315ae9", "text": "Section 10089(d) permits the minimum additional living expenses coverage to be waived by the applicant or policyholder for a residential dwelling that is not owner occupied, if the insurer gives notice that the coverage is offered but may be waived and the waiver is in writing.", "sourceId": "ca-ins-code-10089", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089#c7", "checksum": "8243ea97fb80", "text": "The section carries the note 'Amended by Stats. 1995, Ch. 939, Sec. 4. Effective January 1, 1996.'", "sourceId": "ca-ins-code-10089", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089-point-6#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089-point-6#c1", "checksum": "a2bb1af0e5ac", "text": "Section 10089.6(a)(1) provides that there is hereby created the California Earthquake Authority, which shall be administered and governed by the governing board described in Section 10089.7 under the authority of the commissioner, and overseen by the California Catastrophe Response Council solely with regard to administrative or support services the authority may provide to or for the benefit of the Wildfire Fund or the Wildfire Fund Administrator, with all other businesses or activities of the authority governed solely by the board.", "sourceId": "ca-ins-code-10089-point-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089-point-6#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089-point-6#c2", "checksum": "f779d9025ddd", "text": "Section 10089.6(a)(1) provides that the authority shall be authorized to transact insurance in this state as necessary to sell policies of basic residential earthquake insurance in the manner set forth in Sections 10089.26, 10089.27, and 10089.28, and that the authority shall have no authority to transact any other type of insurance business.", "sourceId": "ca-ins-code-10089-point-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089-point-6#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089-point-6#c3", "checksum": "ed68f65fe2c5", "text": "Section 10089.6(b)(2) provides that the rights, obligations, and duties owed by the authority to its insureds, beneficiaries of insureds, and applicants for insurance shall be the same as those owed by insurers under common law, regulations, and statutes, and that the authority shall be liable to them as an insurer is liable.", "sourceId": "ca-ins-code-10089-point-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089-point-6#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089-point-6#c4", "checksum": "b85ee2b35044", "text": "Section 10089.6(a)(1) begins: 'There is hereby created the California Earthquake Authority, which shall be administered and governed by the governing board described in Section 10089.7 under the authority of the commissioner and overseen by the California Catastrophe Response Council solely with regard to any administrative or support services the authority may provide to, or for the benefit of, the Wildfire Fund'. The sentence does not end at the word 'commissioner'.", "sourceId": "ca-ins-code-10089-point-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089-point-6#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089-point-6#c5", "checksum": "446adf9ed02b", "text": "Section 10089.6(a)(1) further provides that all other businesses or activities of the authority unrelated to the Wildfire Fund shall be governed solely by the board, and that the authority shall have the powers conferred by the chapter.", "sourceId": "ca-ins-code-10089-point-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089-point-6#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089-point-6#c6", "checksum": "ef5b4077a679", "text": "The section sits in CHAPTER 8.6. California Earthquake Authority [10089.5 - 10089.55], added by Stats. 1995, Ch. 944, Sec. 2.", "sourceId": "ca-ins-code-10089-point-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "ca-ins-code-10089-point-6#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089-point-6#c7", "checksum": "caa9e39b6d4d", "text": "This section establishes that the California Earthquake Authority exists and is state-created; it says nothing about CEA's market share.", "sourceId": "ca-ins-code-10089-point-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": 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"canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10089-point-7#c4", "checksum": "856a28d4374a", "text": "Section 10089.7(c)(6) provides that the board may contract with participating insurers to service the policies of basic residential earthquake insurance issued by the authority.", "sourceId": "ca-ins-code-10089-point-7", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-earthquake-authority" ] }, { "claimId": "ca-ins-code-10091#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10091#c1", "checksum": "2290361b2593", "text": "California Insurance Code section 10091(a) defines 'Association,' 'industry placement facility,' or 'facility' to mean a joint reinsurance association, the California FAIR Plan Association, formed by insurers licensed to write and engaged in writing basic property insurance within the state to assist persons in securing basic property insurance and to formulate and administer a program for the 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"ca-ins-code-10102#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10102#c5", "checksum": "d3027c6044c8", "text": "Subdivision (e) provides that a policy of residential property insurance shall not be initially issued as guaranteed replacement cost coverage if it contains any maximum limitation of coverage based on any set dollar limits, percentage amounts, construction cost limits, indexing, or any other preset maximum limitation.", "sourceId": "ca-ins-code-10102", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "ca-ins-code-10102#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10102#c6", "checksum": "9e96861df3f3", "text": "Subdivision (d) provides that following issuance of the policy the insurer shall provide the disclosure statement to the insured on an every-other-year basis at the time of renewal.", "sourceId": "ca-ins-code-10102", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "ca-ins-code-10102#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10102#c7", "checksum": "7b1bcc8cdcd5", "text": "The amendment note on the page reads Amended by Stats. 2020, Ch. 263, Sec. 2. 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The workers' compensation and unearned premium exception governs that whole paragraph.", "sourceId": "ca-ins-code-1063-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection" ] }, { "claimId": "ca-ins-code-1063-1#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1063-1#c5", "checksum": "285b30a82464", "text": "Covered claims do not include an obligation of the insolvent insurer arising from a policy or contract of insurance issued or renewed before the insolvent insurer's admission to transact insurance in the State of California.", "sourceId": "ca-ins-code-1063-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection" ] }, { "claimId": "ca-ins-code-11580-1#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c1", "checksum": "f33f20ef5cd7", "text": "Section 11580.1(a) provides that no policy of automobile liability insurance described in Vehicle Code section 16054 covering liability arising out of the ownership, maintenance or use of a motor vehicle may be issued or delivered in California unless it contains the provisions set forth in subdivision (b).", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c2", "checksum": "5241abc95d9c", "text": "Section 11580.1(a) states that the requirements of subdivision (b) do not apply to insurance afforded under the policy to the extent that it exceeds the limits specified in Vehicle Code section 16056(a), or if the policy contains an underlying insurance requirement or provides for a retained limit of self-insurance equal to or greater than those limits.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c3", "checksum": "7d9a9c02d242", "text": "Section 11580.1(b)(1) requires the policy to contain coverage limits not less than the limits specified in subdivision (a) of Vehicle Code section 16056.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c4", "checksum": "c39e2892ded5", "text": "Section 11580.1(b)(2) requires the policy to designate, by explicit description or appropriate reference, the motor vehicles or class of motor vehicles to which coverage is specifically granted, and section 11580.1(b)(3) requires explicit description of the purposes for which coverage for those vehicles is specifically excluded.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c5", "checksum": "44949bc45d49", "text": "Section 11580.1(b)(4) requires the policy to afford insurance to the named insured with respect to any owned or leased motor vehicle covered by the policy and, to the same extent that insurance is afforded to the named insured, to any other person using the motor vehicle, provided the use is by the named insured or with the named insured's permission, express or implied, and within the scope of that permission.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c6", "checksum": "62c13ca17669", "text": "Section 11580.1(b)(4)(A) permits insurance afforded for loading or unloading of the motor vehicle to be limited to the named insured, a relative of the named insured who resides in the named insured's household, a lessee or bailee of the motor vehicle, or an employee of any of those persons.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c7", "checksum": "405fffa4caa4", "text": "Section 11580.1(b)(4)(B) permits the insurance afforded to a person other than the named insured to exclude any employee with respect to bodily injury sustained by a fellow employee injured in the scope and course of employment, and any person engaged in the business of selling, repairing, servicing, delivering, testing, road-testing, parking or storing automobiles with respect to any accident arising out of the maintenance or use of a motor vehicle in connection with that business.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c8", "checksum": "da233d987d49", "text": "Section 11580.1(b)(4) states that as used in the chapter, owned motor vehicle includes all motor vehicles described and rated in the policy.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c9", "checksum": "026ae21dd9d9", "text": "Section 11580.1(c) permits the insurance afforded by a policy to which subdivision (a) applies, including the insurer's obligation to defend, to be made inapplicable by appropriate policy provision to liability assumed by the insured under contract, liability for bodily injury or property damage caused intentionally by or at the direction of the insured, liability imposed upon or assumed by the insured under any workers compensation law, and liability for bodily injury to any employee of the insured arising out of and in the course of employment.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c10", "checksum": "7ad4227cde06", "text": "Section 11580.1(c)(5) permits exclusion of liability for bodily injury to an insured, or liability for bodily injury to an insured whenever the ultimate benefits of that indemnification accrue directly or indirectly to an insured.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c11", "checksum": "aa8042948259", "text": "Section 11580.1(c)(6) permits exclusion of liability for damage to property owned, rented to, transported by, or in the charge of an insured, and states that a motor vehicle operated by an insured shall be considered to be property in the charge of an insured.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c12", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c12", "checksum": "ca9cc6e5a218", "text": "Section 11580.1(c)(8) permits exclusion of any motor vehicle or class of motor vehicles, as described or designated in the policy, with respect to which coverage is explicitly excluded in whole or in part.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c13", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c13", "checksum": "92cfc35e8672", "text": "Section 11580.1(c) provides that the insured, as used in paragraphs (1) through (4), means only that insured under the policy against whom the particular claim is made or suit is brought, while an insured, as used in paragraphs (5) and (6), means any insured under the policy.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c14", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c14", "checksum": "da6578094dbf", "text": "Section 11580.1(d)(1) permits the insurer and any named insured to agree, in the policy or a separate writing, that coverage and the insurer's obligation to defend shall not apply nor accrue to the benefit of any insured or third-party claimant while any motor vehicle is being used or operated by a natural person or persons designated by name, and provides that the limitation applies to any use or operation including negligent or alleged negligent entrustment to that person.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c15", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c15", "checksum": "6ccc5a2c9fa9", "text": "Section 11580.1(d)(1) provides that a named-driver exclusion agreement applies to all coverage provided by the policy and is sufficient to comply with section 11580.2(a)(1) so as to delete uninsured motorist coverage when the vehicle is operated by a natural person designated by name.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c16", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c16", "checksum": "bfb4a4ccbf11", "text": "Section 11580.1(d)(1)(A) through (C) preserve the insurer's obligation to defend the named insured where the designated person resides in the same household as the named insured, is jointly sued with the named insured as a result of operating the named insured's insured motor vehicle, and is an insured under a separate automobile liability policy issued to that person as a named insured which does not provide a defense to the named insured.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c17", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c17", "checksum": "17d7ee83791d", "text": "Section 11580.1(d)(1) provides that a named-driver exclusion agreement made more than 60 days following the inception of the policy is effective from the date of the agreement and, with the signature of a named insured, is conclusive evidence of the validity of the agreement.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c18", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c18", "checksum": "9d8844c2ca44", "text": "Section 11580.1(d)(1) provides that a named-driver exclusion agreement remains in force as long as the policy remains in force and applies to any continuation, renewal or replacement of the policy by the named insured, or reinstatement of the policy within 30 days of any lapse.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c19", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c19", "checksum": "00af3efda22e", "text": "Section 11580.1(f)(1) provides that on and after January 1, 1976, no policy of automobile liability insurance described in subdivision (a) may be issued, amended or renewed in California if it contains any provision that expressly or impliedly excludes from coverage the operation or use of an insured motor vehicle by the named insured in the performance of volunteer services for a nonprofit charitable organization or governmental agency by providing social service transportation, and states that the subdivision does not apply where the named insured receives remuneration of any kind other than mileage reimbursement at or below the rate the subdivision describes.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c20", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c20", "checksum": "6aef6d698132", "text": "Section 11580.1(f)(2) provides that no policy issued under the section may be cancelled by an insurer solely for the reason that the named insured is performing volunteer social service transportation for a nonprofit charitable organization or governmental agency.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-1#c21", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-1#c21", "checksum": "52a278598641", "text": "Section 11580.1(e) provides that nothing in the section or in Vehicle Code section 16054 or 16450 shall be construed to constitute a homeowner's policy, general liability policy, comprehensive personal liability policy, premises liability policy, special multiperil policy or similar policy as a policy of automobile liability insurance for the purposes of the section.", "sourceId": "ca-ins-code-11580-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c1", "checksum": "ed6d96d785f0", "text": "Section 11580.2(a)(1) requires every policy of bodily injury liability insurance covering liability arising out of the ownership, maintenance or use of a motor vehicle that is issued or delivered in California to a vehicle owner or operator, or issued by a California-licensed insurer on a vehicle then principally used or principally garaged in California, to contain or have added by endorsement a provision insuring the insured against the owner or operator of an uninsured motor vehicle.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c2", "checksum": "8256ad05e956", "text": "Section 11580.2(a)(1) sets the required limits of that provision as at least equal to the limits specified in subdivision (m) and in no case less than the financial responsibility requirements specified in Vehicle Code section 16056.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c3", "checksum": "f806b1bbf881", "text": "Section 11580.2(a)(1) permits the insurer and any named insured, before or after issuance or renewal, to agree in writing to delete the uninsured motorist provision completely, to delete the coverage when the vehicle is operated by a natural person or persons designated by name, or to provide the coverage in an amount less than subdivision (m) requires but not less than the Vehicle Code section 16056 financial responsibility requirements.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c4", "checksum": "eb3812be1dfe", "text": "Section 11580.2(a)(2) and (a)(3) prescribe the exact form of words a deletion or reduced-limit agreement must take, and section 11580.2(a)(2) provides that execution of the agreement relieves the insurer of liability under the section while the agreement remains in effect.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c5", "checksum": "f9b153f3bf53", "text": "Section 11580.2(a)(1) provides that a deletion or amount agreement binds every insured to whom the policy or endorsement provisions apply while the policy is in force, and continues to bind with respect to any continuation or renewal, any other policy that extends, changes, supersedes or replaces the policy issued by the same insurer, and reinstatement of the policy within 30 days of any lapse.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c6", "checksum": "b6aef0b9d08f", "text": "Section 11580.2(a)(1) excludes a policy from the application of the section if the automobile liability coverage is provided only on an excess or umbrella basis.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c7", "checksum": "654e9d9eea27", "text": "Section 11580.2(a)(1) states that nothing in the section requires uninsured motorist coverage to be offered or provided in a homeowner policy, comprehensive personal liability policy, premises liability policy, special multiperil policy, or any other policy or endorsement where automobile liability coverage is offered as incidental to some other basic coverage.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c8", "checksum": "922e55f6646f", "text": "Section 11580.2(m) requires uninsured motorist coverage to be offered with limits equal to the limits of liability for bodily injury in the underlying policy, but provides that it need not be offered with limits in excess of thirty thousand dollars for bodily injury to or death of one person in any one accident and, subject to that per-person limit, sixty thousand dollars for bodily injury to or death of two or more persons in any one accident.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c9", "checksum": "c0e5c72794d4", "text": "Section 11580.2(a)(1) states the required limits conjunctively, as at least equal to subdivision (m) and in no case less than the Vehicle Code section 16056 financial responsibility requirements, so the operative minimum is whichever of the two amounts is higher on the date in question; on that reading the subdivision (m) amounts of thirty thousand and sixty thousand dollars are a ceiling on what an insurer must offer rather than a floor on what the coverage must provide.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c10", "checksum": "278883b84900", "text": "Section 11580.2(p)(2) defines an underinsured motor vehicle as a motor vehicle that is an insured motor vehicle but insured for an amount that is less than the uninsured motorist limits carried on the motor vehicle of the injured person.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c11", "checksum": "ccb67dc9ec59", "text": "Section 11580.2(p)(4) provides that when bodily injury is caused by one or more motor vehicles, whether insured, underinsured or uninsured, the maximum liability of the insurer providing underinsured motorist coverage shall not exceed the insured's underinsured motorist coverage limits, less the amount paid to the insured by or for any person or organization that may be held legally liable for the injury.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c12", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c12", "checksum": "21e7f06011f5", "text": "Read together, section 11580.2(p)(2) and section 11580.2(p)(4) make California underinsured motorist coverage a difference-in-limits coverage rather than an additional layer of its own: on that reading it responds only where the at-fault vehicle is insured for less than the injured person's own uninsured motorist limit, and it pays at most that limit reduced by what the liable parties paid, so an at-fault driver whose liability limits equal or exceed the injured person's uninsured motorist limit leaves nothing for the coverage to pay.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c13", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c13", "checksum": "4311ba47c507", "text": "Section 11580.2(p)(3) provides that underinsured motorist coverage does not apply to any bodily injury until the limits of the bodily injury liability policies applicable to all insured motor vehicles causing the injury have been exhausted by payment of judgments or settlements, and proof of the payment is submitted to the insurer providing the underinsured motorist coverage.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c14", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c14", "checksum": "68fa3c9ee774", "text": "Section 11580.2(q) provides that regardless of the number of vehicles involved, persons covered, claims made, premiums paid or premiums shown on the policy, in no event shall the limit of liability for two or more motor vehicles or two or more policies be added together, combined or stacked to determine the limit of insurance coverage available to injured persons.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c15", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c15", "checksum": "a8296ae2f83b", "text": "Section 11580.2(b) conditions uninsured motorist coverage, with respect to an uninsured motor vehicle whose owner or operator is unknown, on the bodily injury having arisen out of physical contact of the automobile with the insured or with an automobile that the insured is occupying.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c16", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c16", "checksum": "c6dabf365cf6", "text": "Section 11580.2(b)(2) requires that the insured or someone acting on the insured's behalf report the accident within 24 hours to the police department of the city where the accident occurred, or in unincorporated territory to the sheriff of the county or the local headquarters of the California Highway Patrol, and file with the insurer within 30 days thereafter a statement under oath that a cause of action exists against a person whose identity is unascertainable, setting forth supporting facts.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c17", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c17", "checksum": "2cb3b27411ff", "text": "Section 11580.2(b) treats an insured motor vehicle as an uninsured motor vehicle where its liability insurer is unable to make payment within its limits because of insolvency, and limits that solvency protection to accidents occurring during a policy period in which the insured's own motor vehicle coverage is in effect where the tortfeasor's liability insurer becomes insolvent within one year of the accident.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c18", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c18", "checksum": "8b04a0aab000", "text": "Section 11580.2(c)(1) provides that the coverage does not apply, either as primary or as excess coverage, to property damage sustained by the insured.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c19", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c19", "checksum": "d1bcd01c7d85", "text": "Section 11580.2(c)(3) provides that the coverage does not apply to bodily injury of the insured with respect to which the insured or the insured's representative, without the written consent of the insurer, made any settlement with or prosecuted to judgment any action against any person who may be legally liable.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c20", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c20", "checksum": "7f294a6dbef5", "text": "Section 11580.2(c)(6) provides that the coverage does not apply to bodily injury of the insured while occupying a motor vehicle owned by an insured, or leased to an insured under a written contract for a period of six months or longer, unless the occupied vehicle is an insured motor vehicle.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c21", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c21", "checksum": "bc0171fc0300", "text": "Section 11580.2(c)(4) provides that the coverage does not apply in any instance where it would inure directly or indirectly to the benefit of any workers compensation carrier or any person qualified as a workers compensation self-insurer, or directly to the benefit of the United States or any state or political subdivision.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c22", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c22", "checksum": "c3f78b9b365b", "text": "Section 11580.2(f) requires the policy or endorsement to provide that whether the insured is legally entitled to recover damages, and if so the amount, is determined by agreement between the insured and the insurer or, in the event of disagreement, by arbitration conducted by a single neutral arbitrator.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c23", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c23", "checksum": "142b75783e53", "text": "Section 11580.2(i)(1) provides that no cause of action accrues to the insured unless, within two years from the date of the accident, suit for bodily injury has been filed against the uninsured motorist in a court of competent jurisdiction, agreement as to the amount due under the policy has been concluded, or the insured has formally instituted arbitration proceedings by notifying the insurer in writing sent by certified mail, return receipt 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"ca-ins-code-11580-2#c25", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c25", "checksum": "e64517ac6241", "text": "Section 11580.2(k) requires an insurer whose insured has a pending uninsured motorist claim to notify the insured in writing of the applicable statute of limitation at least 30 days before it expires, and provides that failure to give the notice tolls the limitation for 30 days from the date the notice is actually given; the notice is not required if the insurer has received notice that the insured is represented by an attorney.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c26", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c26", "checksum": "2a0ad78b2a18", "text": "Section 11580.2(g) entitles the 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bond applicable to the accident.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c28", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c28", "checksum": "c7b1f8f74e7f", "text": "Section 11580.2(h)(1) permits a loss payable under uninsured motorist coverage to be reduced by the amount paid and the present value of all amounts payable to the insured under any workers compensation law, exclusive of nonoccupational disability benefits.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c29", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c29", "checksum": "0e1f703962d8", "text": "Section 11580.2(n) requires uninsured and underinsured motorist coverage to be offered as a single coverage, with underinsured motorist limits equal to the insured's uninsured motorist limits in the underlying policy, and permits an insurer to offer underinsured limits in excess of the uninsured motorist coverage.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c30", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c30", "checksum": "48758182295e", "text": "Section 11580.2(p)(7) requires underinsured motorist coverage to be included in all policies of bodily injury liability insurance providing uninsured motorist coverage issued or renewed on or after July 1, 1985, and preserves the effect of an agreement to delete uninsured motorist coverage executed before that date.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/underinsured-motorist-paid-nothing-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-11580-2#c31", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11580-2#c31", "checksum": "6719b85d2baf", "text": "Section 11580.2(d) permits the policy or endorsement to provide that where the insured has coverage available under more than one uninsured motorist coverage provision, damages shall not be deemed to exceed the higher of the applicable limits of the respective coverages and shall be prorated between the applicable coverages as the limits of each bear to the total of the limits.", "sourceId": "ca-ins-code-11580-2", "reliedOnBy": [ 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"3c3a4056e5d7", "text": "Insurance Code section 11734(a) provides that every workers compensation insurer shall adhere to a uniform experience rating plan filed with the commissioner by a rating organization designated by the commissioner and subject to the commissioner's disapproval.", "sourceId": "ca-ins-code-11734", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/workers-compensation-california", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-ins-code-11734#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11734#c2", "checksum": "9c8d07254f68", "text": "Subdivision (b) provides for the commissioner to designate a rating organization to gather statistical information and develop a classification system, permits an insurer to use its own classification system if it is filed with the commissioner 30 days prior to use and the commissioner approves it, and requires insurers to report experience to the designated rating organization under the uniform statistical reporting plan.", "sourceId": "ca-ins-code-11734", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/workers-compensation-california", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-ins-code-11734#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11734#c3", "checksum": "9e95cfcc2ab3", "text": "Subdivision (c) provides that the designated rating organization shall develop and file manual rules, subject to the approval of the commissioner, reasonably related to the recording and reporting of data pursuant to the uniform statistical plan, uniform experience rating plan, and any classification systems in effect.", "sourceId": "ca-ins-code-11734", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/workers-compensation-california", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-ins-code-11735#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11735#c1", "checksum": "55b291255c14", "text": "Insurance Code section 11735(a) provides that every insurer shall file with the commissioner all rates and supplementary rate information that are to be used in this state, and requires the filing to be made not later than 30 days prior to the effective date.", "sourceId": "ca-ins-code-11735", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/workers-compensation-california", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-ins-code-11735#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11735#c2", "checksum": "58186c92110f", "text": "Filings of rates, supplementary rate information and supporting information are open to public inspection at any reasonable time as soon as filed.", "sourceId": "ca-ins-code-11735", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/workers-compensation-california", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-ins-code-11735#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11735#c3", "checksum": "ef70fea74b87", "text": "Subdivision (e) addresses deductible offerings and provides that a filing of supplementary rate information for a deductible is deemed complete only if it contains stated items, including a copy of the deductible endorsement that is to be attached to the policy and endorsement language addressing the injured worker's entitlement to benefits regardless of the deductible.", "sourceId": "ca-ins-code-11735", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/workers-compensation-california", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-ins-code-11737#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11737#c1", "checksum": "807dc2f5615b", "text": "Subdivision (f): every insurer or rating organization shall provide within this state reasonable means whereby any person aggrieved by the application of its filings may be heard by the insurer or rating organization on written request to review the manner in which the rating system has been applied in connection with the insurance afforded or offered.", "sourceId": "ca-ins-code-11737", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-ins-code-11737#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11737#c2", "checksum": "0f3bdd8a819a", "text": "Subdivision (f): if the insurer or rating organization fails to grant or reject the request within 30 days, the applicant may proceed in the same manner as if the application had been rejected.", "sourceId": "ca-ins-code-11737", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-ins-code-11737#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11737#c3", "checksum": "4ea40454a545", "text": "Subdivision (f): any party affected by the action of the insurer or rating organization on the request may appeal, within 30 days after written notice of the action, to the commissioner who, after a hearing held within 60 days from the date on which the party requests the appeal, or longer upon agreement of the parties and not less than 10 days' written notice to the appellant and to the insurer or rating organization, may affirm, modify, or reverse that action.", "sourceId": "ca-ins-code-11737", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", 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may disapprove rates if the commissioner determines that premiums charged, in the aggregate, resulting from the use of the rates or the rates as modified by any supplementary rate information, would be inadequate to cover an insurer's losses and expenses, unfairly discriminatory, or tend to create a monopoly in the market pursuant to Section 11732, 11732.5, or 11733.", "sourceId": "ca-ins-code-11737", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-ins-code-11737#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11737#c6", "checksum": "9baa4b6f406c", "text": "Subdivision (c): the commissioner shall disapprove rates if the commissioner determines that premiums charged, in the aggregate, resulting from the use of the rates or the rates as modified by any supplementary rate information would, if continued in use, tend to impair or threaten the solvency of an insurer.", "sourceId": "ca-ins-code-11737", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-ins-code-11770#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11770#c1", "checksum": "729349840021", "text": "Insurance Code section 11770(a) provides that the State Compensation Insurance Fund is continued in existence, to be administered by its board of directors, for the purpose of transacting workers compensation insurance.", "sourceId": "ca-ins-code-11770", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/workers-compensation-california" ] }, { "claimId": "ca-ins-code-11770#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-11770#c2", "checksum": "eea33c9380d8", "text": "The stated statutory purposes also include insurance against the expense of defending any suit for serious and willful misconduct against an employer or the employer's agent, and insurance to employees and other persons of the compensation fixed by the workers compensation laws for employees and their dependents.", "sourceId": "ca-ins-code-11770", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/workers-compensation-california" ] }, { "claimId": "ca-ins-code-12900#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-12900#c1", "checksum": "ac2b7defc26a", "text": "Section 12900(a) provides that the commissioner shall be elected by the people in the same time, place, and manner as the Governor not to exceed two four-year terms.", "sourceId": "ca-ins-code-12900", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance" ] }, { "claimId": "ca-ins-code-12900#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-12900#c2", "checksum": "11575923e490", "text": "Section 12900(b) provides that should a vacancy occur during the term of office, legislative confirmation shall be required for the position of commissioner in the same manner and procedure as that required by Section 5 of Article V of the California Constitution.", "sourceId": "ca-ins-code-12900", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance" ] }, { "claimId": "ca-ins-code-12921#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-12921#c1", "checksum": "36fc29fa6539", "text": "Section 12921(a) provides that the commissioner shall perform all duties imposed upon the commissioner by the provisions of this code and other laws regulating the business of insurance in this state, and shall enforce the execution of those provisions and laws.", "sourceId": "ca-ins-code-12921", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance" ] }, { "claimId": "ca-ins-code-1760-5#c1", "canonicalUrl": 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"https://bestinsuranceresearch.com/questions/three-declinations-before-surplus-lines-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1763#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1763#c4", "checksum": "d96999d0dff4", "text": "Section 1763(a) requires the broker to file a standardized form prescribed by the commissioner setting forth the diligent efforts to place the coverage with admitted insurers and the results of those efforts, signed by a person licensed under the code who made the diligent search or who supervised an unlicensed person or persons who actually conducted it.", "sourceId": "ca-ins-code-1763", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/three-declinations-before-surplus-lines-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1763#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1763#c5", "checksum": "6e997aee8734", "text": "Section 1763(b) provides that it is prima facie evidence that a diligent search among admitted insurers has been made if the standardized form establishes that three admitted insurers that actually write the particular type of insurance in this state have declined the risk, or that fewer than three admitted insurers actually write the particular type of insurance.", "sourceId": "ca-ins-code-1763", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/three-declinations-before-surplus-lines-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1763#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1763#c6", "checksum": "364a4046dcfa", "text": "Section 1763(b) permits the commissioner to review the form for the accuracy of the information on it, including whether the listed insurers actually write that type of insurance and whether the three insurers declined the risk, and to take disciplinary action against the person signing the form for any misrepresentation made through negligence or as the result of an intentional act.", "sourceId": "ca-ins-code-1763", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/three-declinations-before-surplus-lines-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1763#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1763#c7", "checksum": "8bcdd4f13c7d", "text": "Section 1763(a) provides that the insurance shall not be placed with a nonadmitted insurer for the purpose of procuring a rate lower than the lowest rate that will be accepted by any admitted insurer, except as provided in subdivision (c).", "sourceId": "ca-ins-code-1763", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/three-declinations-before-surplus-lines-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1763#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1763#c8", "checksum": "d1502d8da366", "text": "Section 1763(c) provides that it shall be conclusively presumed that insurance is placed in violation of the section if it is actually placed with a nonadmitted insurer at a lower rate or lower premium than the lowest obtainable from an admitted insurer, unless at the time the insurance attaches a statement is filed with the commissioner describing the insurance, specifying the rate and the nearest procurable rates from admitted insurers, and explaining why the insurance must be placed with a nonadmitted insurer even though it is available from an admitted insurer.", "sourceId": "ca-ins-code-1763", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/three-declinations-before-surplus-lines-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1763#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1763#c9", "checksum": "9cd11dbe565d", "text": "Section 1763(c) provides that unless the commissioner notifies the filing broker within five days that the placement appears to violate the section, the broker may maintain the insurance in effect, and that a broker who is ordered to terminate the insurance within 10 days of such a notice and fails or refuses to do so violates the section.", "sourceId": "ca-ins-code-1763", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/three-declinations-before-surplus-lines-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1763#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1763#c10", "checksum": "7ad21c387db8", "text": "Section 1763(e) defines type of insurance, for purposes of the section, as the hazard or combination of hazards covered by a contract of insurance.", "sourceId": "ca-ins-code-1763", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/three-declinations-before-surplus-lines-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1763#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1763#c11", "checksum": "03da5550edd1", "text": "Section 1763(g) provides that the section does not apply to an extension of coverage by a nonadmitted insurer of or for the same risks and to the same insured under an existing surplus lines policy, that such an extension may not exceed 90 days in the aggregate during any 12-month period, that it may not include a change in coverage, terms, conditions or limits, and that any additional premium shall be determined pro rata on the same rate as the existing policy.", "sourceId": "ca-ins-code-1763", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/three-declinations-before-surplus-lines-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1763#c12", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1763#c12", "checksum": "07102014727f", "text": "Section 1763(h)(1) provides that the diligent search requirement does not apply to a commercial insured as defined in Insurance Code section 1760.1(b) when the surplus line broker has disclosed in writing to the commercial insured that surplus insurance may or may not be available from the admitted market that may provide greater protection with more regulatory oversight, and the commercial insured has subsequently requested in writing that the broker procure or place surplus insurance from a nonadmitted insurer.", "sourceId": "ca-ins-code-1763", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/three-declinations-before-surplus-lines-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1763#c13", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1763#c13", "checksum": "7d48a5642bd6", "text": "Section 1763(h)(2) makes the surplus line broker responsible to ensure that the applicant is a commercial insured, and provides that a broker who reasonably relies on information provided in good faith by the applicant, whether directly or through a producer, is deemed to be in compliance with that requirement.", "sourceId": "ca-ins-code-1763", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/three-declinations-before-surplus-lines-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1763#c14", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1763#c14", "checksum": "624909a1d9a3", "text": "Section 1763(d) provides that statements filed under the section are not subject to public inspection unless the commissioner determines that the public interest or the welfare of the filing broker requires that a statement be made public.", "sourceId": "ca-ins-code-1763", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/three-declinations-before-surplus-lines-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1763#c15", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1763#c15", "checksum": "243729545afe", "text": "Section 1763(f) provides that the section does not apply to insurance issued or delivered in this state to a home state insured by a nonadmitted Mexican insurer through a surplus line broker affording coverage exclusively in the Republic of Mexico on property located, or operations conducted, temporarily or permanently within the Republic of Mexico.", "sourceId": "ca-ins-code-1763", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/three-declinations-before-surplus-lines-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1764-1#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1764-1#c1", "checksum": "c2e43e550a09", "text": "The required notice states that the insurance policy is being issued by an insurer that is not licensed by the State of California.", "sourceId": "ca-ins-code-1764-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1764-1#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1764-1#c2", "checksum": "08124271ce0e", "text": "The required notice states that the insurer is not subject to the financial solvency regulation and enforcement that apply to California licensed insurers.", "sourceId": "ca-ins-code-1764-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1764-1#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1764-1#c3", "checksum": "a7f6411e5337", "text": "The required notice states that the insurer does not participate in any of the insurance guarantee funds created by California law, and that those funds will not pay claims or protect assets if the insurer becomes insolvent.", "sourceId": "ca-ins-code-1764-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1764-1#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1764-1#c4", "checksum": "7ff8d508974f", "text": "The disclosure must appear in boldface 16-point type on a freestanding document, and must be signed by the applicant.", "sourceId": "ca-ins-code-1764-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1764-1#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1764-1#c5", "checksum": "60c200b58030", "text": "The disclosure must also be included in boldface 16-point type on the front page of the policy.", "sourceId": "ca-ins-code-1764-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1764-1#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1764-1#c6", "checksum": "7e2442a1dc77", "text": "Section 1764.1(a)(1) places the responsibility for obtaining the applicant's signature on both the nonadmitted insurer and the surplus line broker, and applies it at the time of accepting an application for a policy other than a renewal of that policy.", "sourceId": "ca-ins-code-1764-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1764-1#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1764-1#c7", "checksum": "d202a1dfb961", "text": "Section 1764.1(a)(1) requires the surplus line broker to keep a copy of the signed disclosure in the broker's records for at least five years, and to make those records available to the commissioner and to the insured on request.", "sourceId": "ca-ins-code-1764-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1764-1#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1764-1#c8", "checksum": "6ddcebc7dd08", "text": "Section 1764.1(a)(1) provides that the disclosure must be signed by the applicant and is not subject to a limited power of attorney agreement between the applicant and an agent, broker, or surplus line broker.", "sourceId": "ca-ins-code-1764-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1764-1#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1764-1#c9", "checksum": "5a1adb6c9b23", "text": "Section 1764.1(a)(2) provides that where the applicant has not received and completed the signed disclosure form the section requires, the applicant may cancel the insurance so placed, that the cancellation shall be on a pro rata basis as to premium, and that the applicant is entitled to the return of any broker's fees charged for the placement.", "sourceId": "ca-ins-code-1764-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1764-1#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1764-1#c10", "checksum": "280f991ca3a2", "text": "Section 1764.1(b) directs the reader of the notice to ask questions of their agent, broker or surplus line broker, or to contact the California Department of Insurance at 1-800-927-4357 or at www.insurance.ca.gov, and to ask whether the insurer is licensed as a foreign or non-United States insurer.", "sourceId": "ca-ins-code-1764-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1764-1#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1764-1#c11", "checksum": "32a097b0a471", "text": "Section 1764.1(b) requires the notice to be printed in English and in the language principally used by the surplus line broker and nonadmitted insurer to advertise, solicit, or negotiate the sale and purchase of surplus line insurance.", "sourceId": "ca-ins-code-1764-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1765-1#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1765-1#c1", "checksum": "4259243e92e0", "text": "Section 1765.1 prohibits a surplus line broker from placing any coverage with a nonadmitted insurer for a home state insured unless, at the time of placement, the insurer meets the requirements of either subdivision (a) or subdivision (b), with a narrow exception for a Mexican-domiciled insurer covering only liability arising out of the ownership, maintenance or use of a motor vehicle, aircraft or boat in the Republic of Mexico.", "sourceId": "ca-ins-code-1765-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1765-1#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1765-1#c2", "checksum": "0f71b40fcec7", "text": "Section 1765.1(a)(1) requires an insurer domiciled in a state or territory of the United States to be licensed to write the type of insurance in its domiciliary jurisdiction.", "sourceId": "ca-ins-code-1765-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", 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underwriting profit and investment income trends, market availability, and company record and reputation within the industry, and prohibits the commissioner from making that finding where the foreign insurer's capital and surplus is less than four million five hundred thousand dollars.", "sourceId": "ca-ins-code-1765-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1765-1#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1765-1#c5", "checksum": "63c1b56ad734", "text": "Section 1765.1(b) provides that an insurer not domiciled in a state or territory of the United States is eligible if it is listed on the Quarterly Listing of Alien Insurers maintained by the NAIC International Insurers Department and is licensed as an insurer in its domiciliary jurisdiction.", "sourceId": "ca-ins-code-1765-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1765-1#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1765-1#c6", "checksum": "336383aa542e", "text": "Section 1765.1(c) permits the commissioner to issue an order without prior notice and hearing if at any time the commissioner determines that an insurer is no longer eligible under subdivision (a) or (b).", "sourceId": "ca-ins-code-1765-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california", "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1775-5#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1775-5#c1", "checksum": "40c1514bb299", "text": "Section 1775.5(a) requires every surplus line broker, annually on or before the first day of March, to pay the Insurance Commissioner for the use of the State of California a tax of 3 percent of the gross premiums charged less return premiums upon business done under the authority of the broker's licence during the preceding calendar year.", "sourceId": "ca-ins-code-1775-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/surplus-lines-california" ] }, { "claimId": "ca-ins-code-1775-5#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1775-5#c2", "checksum": "846f49f8b72d", "text": "Section 1775.5(a) excludes from that tax any portions of premiums upon business done involving the risk finance portion of a blended finite risk product used in the financing element of state or federal Superfund environmental settlements involving remediation of soil or groundwater contamination, and business excluded by Insurance Code section 1760.5.", "sourceId": "ca-ins-code-1775-5", "reliedOnBy": [ 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"California Insurance Code section 1861.01(c) provides that commencing November 8, 1989, insurance rates subject to that chapter must be approved by the commissioner prior to their use.", "sourceId": "ca-ins-code-1861-01", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/california", "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "ca-ins-code-1861-02#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-02#c1", "checksum": "1eb114ef3d63", "text": "Section 1861.02(a) requires that rates and premiums for an automobile insurance policy, as described in subdivision (a) of Insurance Code section 660, be determined by application of the following factors in decreasing order of importance: the insured's driving safety record, the number of miles the insured drives annually, and the number of years of driving experience the insured has had.", "sourceId": "ca-ins-code-1861-02", "reliedOnBy": [ 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"reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-02#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-02#c4", "checksum": "ff8f917f7e0d", "text": "Section 1861.02(b)(1) provides that every person who meets the criteria of section 1861.025 shall be qualified to purchase a Good Driver Discount policy from the insurer of that person's choice, and that an insurer shall not refuse to offer and sell a Good Driver Discount policy to any person who meets those standards.", "sourceId": "ca-ins-code-1861-02", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-02#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-02#c5", "checksum": "5c7a55703c9f", "text": "Section 1861.02(b)(2) requires the rate charged for a Good Driver Discount policy to comply with subdivision (a) and to be at least 20 percent below the rate the insured would otherwise have been charged for the same coverage.", "sourceId": "ca-ins-code-1861-02", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-02#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-02#c6", "checksum": "1c54ae304cc5", "text": "Section 1861.02(c) provides that the absence of prior automobile insurance coverage, in and of itself, shall not be a criterion for determining eligibility for a Good Driver Discount policy, or generally for automobile rates, premiums or insurability.", "sourceId": "ca-ins-code-1861-02", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-02#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-02#c7", "checksum": "3d716f518067", "text": "Section 1861.02(d) permits an insurer to refuse to sell a Good Driver Discount policy insuring a motorcycle unless all named insureds have been licensed to drive a motorcycle for the previous three years.", "sourceId": "ca-ins-code-1861-02", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-02#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-02#c8", "checksum": "de06427b877d", "text": "Section 1861.02(b)(3) preserves the ability of a reciprocal insurer organized before November 8, 1988 by a motor club, and of an insurer requiring membership in a specified voluntary nonprofit organization in existence before that date, to require that membership as a condition precedent to applying for insurance, subject to the conditions in subparagraph (C).", "sourceId": "ca-ins-code-1861-02", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-02#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-02#c9", "checksum": "ed0500c6dc36", "text": "Section 1861.02(b)(3)(C) conditions those membership arrangements on membership being conditioned only on timely payment of dues and other bona fide criteria not based upon driving record or insurance, on dues bearing a reasonable relationship to the benefits provided and not depending on whether the member buys insurance, and on membership providing bona fide services or benefits in addition to the right to apply for insurance.", "sourceId": "ca-ins-code-1861-02", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-02#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-02#c10", "checksum": "eb444a53e03a", "text": "Section 1861.02(b)(3)(C)(i) provides that membership in a motor club may not be based on residence in any area within the state.", "sourceId": "ca-ins-code-1861-02", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-02#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-02#c11", "checksum": "b74a2803c2e4", "text": "Section 1861.02(e) provides that the section became operative on November 8, 1989, and the section's own note records that it was added on November 8, 1988 by initiative Proposition 103.", "sourceId": "ca-ins-code-1861-02", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-025#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-025#c1", "checksum": "4608640f8171", "text": "Section 1861.025 provides that a person is qualified to purchase a Good Driver Discount policy only if that person meets all of the criteria the section lists.", "sourceId": "ca-ins-code-1861-025", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-025#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-025#c2", "checksum": "c6f901f2de81", "text": "Section 1861.025(a) requires that the person has been licensed to drive a motor vehicle for the previous three years.", "sourceId": "ca-ins-code-1861-025", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-025#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-025#c3", "checksum": "d723658a5a54", "text": "Section 1861.025(b)(1) requires that during the previous three years the person has not had more than one violation point count determined as provided by the specified subdivisions of Vehicle Code section 12810.", "sourceId": "ca-ins-code-1861-025", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-025#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-025#c4", "checksum": "11f74c69bf1f", "text": "Section 1861.025(b)(1)(A) provides that for purposes of the section, the driver of a motor vehicle involved in an accident for which the driver was principally at fault that resulted only in damage to property shall receive one violation point count, in addition to any other violation points imposed for that accident.", "sourceId": "ca-ins-code-1861-025", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-025#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-025#c5", "checksum": "c9a9a674f419", "text": "Section 1861.025(b)(1)(B) provides that where an insurer is prohibited by section 488 or 488.5 from increasing the premium on a policy on account of a violation, that violation shall not be included in determining the person's point count.", "sourceId": "ca-ins-code-1861-025", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-025#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-025#c6", "checksum": "bd763ccb71aa", "text": "Section 1861.025(b)(3) provides that the person must not, during the previous three years, have been the driver of a motor vehicle involved in an accident that resulted in bodily injury or the death of any person and have been principally at fault, and requires the commissioner to adopt regulations setting guidelines for insurers to determine fault for that purpose.", "sourceId": "ca-ins-code-1861-025", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-025#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-025#c7", "checksum": "97f5d2a9502b", "text": "Section 1861.025(b)(2) provides that the person must not have had more than one dismissal pursuant to Vehicle Code section 1803.5 that was not made confidential pursuant to Vehicle Code section 1808.7, in the 36-month period, for violations that would have resulted in more than one violation point count had the complaint not been dismissed.", "sourceId": "ca-ins-code-1861-025", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-025#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-025#c8", "checksum": "3f9110e12313", "text": "Section 1861.025(c) requires that during the period beginning on January 1, 1999 or ten years before the date of application for issuance or renewal of the Good Driver Discount policy, whichever is later, and ending on the date of that application, the person has not been convicted of a violation of Vehicle Code section 23140, 23152 or 23153, a felony violation of Vehicle Code section 23550 or 23566, or a violation of Penal Code section 191.5 or subdivision (a) of Penal Code section 192.5.", "sourceId": "ca-ins-code-1861-025", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-025#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-025#c9", "checksum": "92c7a8dc1ff4", "text": "Section 1861.025(d) provides that a person who claims to meet the criteria of subdivisions (a), (b) and (c) based entirely or partially on a driver's license and driving experience acquired anywhere other than the United States or Canada is rebuttably presumed to be qualified to purchase a Good Driver Discount policy if that person has been licensed to drive in the United States or Canada for at least the previous 18 months and meets those criteria for that period.", "sourceId": "ca-ins-code-1861-025", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-1861-05#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-05#c1", "checksum": "95f912361ca2", "text": "California Insurance Code section 1861.05(a) provides that no rate shall be approved or remain in effect which is excessive, inadequate, unfairly discriminatory or otherwise in violation of the chapter.", "sourceId": "ca-ins-code-1861-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "ca-ins-code-1861-05#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-05#c2", "checksum": "555b8eb36723", "text": "Section 1861.05(b) requires every insurer that desires to change any rate to file a complete rate application with the commissioner, and places on the applicant the burden of proving that the requested rate change is justified and meets the requirements of the article.", "sourceId": "ca-ins-code-1861-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "ca-ins-code-1861-05#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-05#c3", "checksum": "604f096efb1e", "text": "Section 1861.05(c) requires the commissioner to notify the public of any application by an insurer for a rate change, and provides that the application is deemed approved sixty days after public notice unless a consumer requests a hearing within 45 days of public notice or the commissioner on his or her own motion determines to hold a hearing.", "sourceId": "ca-ins-code-1861-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "ca-ins-code-1861-05#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1861-05#c4", "checksum": "5768bfb8252d", "text": "Section 1861.05(c) also provides that a rate application is deemed approved 180 days after the application is received, unless it has been disapproved after a hearing or extraordinary circumstances exist.", "sourceId": "ca-ins-code-1861-05", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "ca-ins-code-2051#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-2051#c1", "checksum": "16d89f9fb6f8", "text": "Under an open policy, the measure of indemnity in fire insurance is the expense to the insured of replacing the thing lost or injured in its condition at the time of the injury, computed as of the time of the commencement of the fire.", "sourceId": "ca-ins-code-2051", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "ca-ins-code-2051#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-2051#c2", "checksum": "be1b9e5ac0af", "text": "Under an open policy requiring payment of actual cash value, the measure of actual cash value recovery for either a total or partial loss to the structure or its contents is the amount it would cost the insured to repair, rebuild, or replace the thing lost or injured less a fair and reasonable deduction for physical depreciation based upon its condition at the time of the injury, or the policy limit, whichever is less.", "sourceId": "ca-ins-code-2051", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "ca-ins-code-2051#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-2051#c3", "checksum": "c1c1d6280c79", "text": "A deduction for physical depreciation shall apply only to components of a structure that are normally subject to repair and replacement during the useful life of that structure.", "sourceId": "ca-ins-code-2051", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", 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(AB 188) Effective January 1, 2020, and the current text does not use the phrase fair market value.", "sourceId": "ca-ins-code-2051", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "ca-ins-code-2051-5#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-2051-5#c1", "checksum": "b4302b043297", "text": "Under an open policy that requires payment of the replacement cost for a loss, the measure of indemnity is the amount that it would cost the insured to repair, rebuild, or replace the thing lost or injured, without a deduction for physical depreciation, or the policy limit, whichever is less.", "sourceId": "ca-ins-code-2051-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/homeowners", 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emergency, a time limit of less than 36 months from the date that the first payment toward the actual cash value is made shall not be placed upon the insured.", "sourceId": "ca-ins-code-2051-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "ca-ins-code-2051-5#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-2051-5#c4", "checksum": "55e5e70cbf92", "text": "An insurer shall provide to a policyholder one or more additional extensions of six months for good cause where delays are beyond the insured's control.", "sourceId": "ca-ins-code-2051-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/homeowners", 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shall comply with this section in its entirety.", "sourceId": "ca-ins-code-2051-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "ca-ins-code-2051-5#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-2051-5#c7", "checksum": "6556edc1813f", "text": "The section states its own scope: it applies 'Under an open policy that requires payment of the replacement cost for a loss'.", "sourceId": "ca-ins-code-2051-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": 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is repaired, rebuilt, or replaced the insurer pays the difference.", "sourceId": "ca-ins-code-2051-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "ca-ins-code-2051-5#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-2051-5#c10", "checksum": "f2f8b801244a", "text": "A time limit of less than 12 months from the date that the first payment toward the actual cash value is made shall not be placed upon an insured, and a time limit of less than 36 months shall not be placed upon the insured for a loss relating to a state of emergency.", "sourceId": "ca-ins-code-2051-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", 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"canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-2051-point-5#c1", "checksum": "0e85f7d4de57", "text": "Under an open policy that requires payment of replacement cost, the measure of indemnity is the amount that it would cost the insured to repair, rebuild, or replace the thing lost or injured, without a deduction for physical depreciation, or the policy limit, whichever is less.", "sourceId": "ca-ins-code-2051-point-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value" ] }, { "claimId": "ca-ins-code-2051-point-5#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-2051-point-5#c2", "checksum": "39c6d381d6dc", "text": "A time limit of less than 12 months from the date that the first payment toward the actual cash value is made shall not be placed upon an insured to collect the full replacement cost of the loss.", "sourceId": "ca-ins-code-2051-point-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value" ] }, { "claimId": "ca-ins-code-2051-point-5#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-2051-point-5#c3", "checksum": "400314fc6597", "text": "In the event of a loss relating to a state of emergency, as defined in Section 8558 of the Government Code, a time limit of less than 36 months from the date that the first payment toward the actual cash value is made shall not be placed upon the insured.", "sourceId": "ca-ins-code-2051-point-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value" ] }, { "claimId": "ca-ins-code-2051-point-5#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-2051-point-5#c4", "checksum": "e975a873b006", "text": "The section provides that on and after July 1, 2026, all policy forms issued or renewed by an insurer shall comply with this section in its entirety.", "sourceId": "ca-ins-code-2051-point-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value" ] }, { "claimId": "ca-ins-code-2051-point-5#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-2051-point-5#c5", "checksum": "37831189ddeb", "text": "The amendment note on the page reads Amended by Stats. 2025, Ch. 542, Sec. 2. (SB 495) Effective January 1, 2026.", "sourceId": "ca-ins-code-2051-point-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value" ] }, { "claimId": "ca-ins-code-331#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-331#c1", "checksum": "67ea606f2369", "text": "California Insurance Code section 331 reads in full: \"Concealment, whether intentional or unintentional, entitles the injured party to rescind insurance.\"", "sourceId": "ca-ins-code-331", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners" ] }, { "claimId": "ca-ins-code-331#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-331#c2", "checksum": "a16bac0c5440", "text": "The leginfo page for section 331 displays the note \"(Enacted by Stats. 1935, Ch. 145.)\".", "sourceId": "ca-ins-code-331", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners" ] }, { "claimId": "ca-ins-code-359#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-359#c1", "checksum": "5c7993d4f2c2", "text": "California Insurance Code section 359 reads in full: \"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.\"", "sourceId": "ca-ins-code-359", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners" ] }, { "claimId": "ca-ins-code-359#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-359#c2", "checksum": "8011c52a6f46", "text": "The leginfo page for section 359 displays the note \"(Enacted by Stats. 1935, Ch. 145.)\".", "sourceId": "ca-ins-code-359", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners" ] }, { "claimId": "ca-ins-code-384#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-384#c1", "checksum": "c89e07cba691", "text": "Section 384(a) applies to a certificate of insurance or verification of insurance provided as evidence of insurance in lieu of an actual copy of the insurance policy.", "sourceId": "ca-ins-code-384", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status" ] }, { "claimId": "ca-ins-code-384#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-384#c2", "checksum": "c7c62a9cb478", "text": "Section 384(a) requires that such a certificate contain the following statements, or words to the effect of, that it is not an insurance policy and does not amend, extend or alter the coverage afforded by the policies listed herein. The statute requires statements to the effect of that language; it does not mandate one exact sentence.", "sourceId": "ca-ins-code-384", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status" ] }, { "claimId": "ca-ins-code-384#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-384#c3", "checksum": "93cdfb711463", "text": "Section 384(a) also requires wording to the effect that, notwithstanding any requirement, term, or condition of any contract or other document with respect to which the certificate or verification may be issued or may pertain, the insurance afforded by the policies described is subject to all the terms, exclusions and conditions of the policies.", "sourceId": "ca-ins-code-384", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status" ] }, { "claimId": "ca-ins-code-384#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-384#c4", "checksum": "b3b1a94c5290", "text": "Section 384(b) states that the section is not applicable to a surplus line broker certificate as defined in Section 48.", "sourceId": "ca-ins-code-384", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status" ] }, { "claimId": "ca-ins-code-384#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-384#c5", "checksum": "1dcd4e37c452", "text": "The section page shows the history line: Amended by Stats. 2000, Ch. 135, Sec. 107. Effective January 1, 2001.", "sourceId": "ca-ins-code-384", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/contract-additional-insured-status" ] }, { "claimId": "ca-ins-code-384-2#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-384-2#c1", "checksum": "c209e1f554f4", "text": "California Insurance Code Section 384 requires a certificate or verification of insurance provided as evidence of insurance in lieu of an actual copy of the policy to contain a statement to the effect that it is not an insurance policy and does not amend, extend or alter the coverage afforded by the policies listed herein.", "sourceId": "ca-ins-code-384-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison" ] }, { "claimId": "ca-ins-code-384-2#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-384-2#c2", "checksum": "6fb93e754cb5", "text": "Section 384 requires the certificate to state that, notwithstanding any requirement, term, or condition of any contract or other document with respect to which the certificate may be issued or may pertain, the insurance afforded by the policies described is subject to all the terms, exclusions and conditions of the policies.", "sourceId": "ca-ins-code-384-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison" ] }, { "claimId": "ca-ins-code-384-2#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-384-2#c3", "checksum": "271cf505ffd6", "text": "Section 384(b) states that the section does not apply to a surplus line broker certificate as defined in Insurance Code Section 48.", "sourceId": "ca-ins-code-384-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison" ] }, { "claimId": "ca-ins-code-530#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-530#c1", "checksum": "ac078c1890ae", "text": "Insurance Code section 530 states that an insurer is liable for a loss of which a peril insured against was the proximate cause, although a peril not contemplated by the contract may have been a remote cause of the loss, but is not liable for a loss of which the peril insured against was only a remote cause.", "sourceId": "ca-ins-code-530", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "ca-ins-code-660#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-660#c1", "checksum": "89299ea87765", "text": "Section 660(a) defines policy, for the purposes of the chapter on cancellation or failure to renew, as an automobile liability, automobile physical damage or automobile collision policy, or any combination of them, delivered or issued for delivery in California, insuring a single individual or individuals residing in the same household as named insured, and covering only the vehicle types the subdivision lists.", "sourceId": "ca-ins-code-660", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-660#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-660#c2", "checksum": "da9e9106df41", "text": "Section 660(a)(1) includes a motor vehicle of the private passenger or station wagon type that is not used as a public or livery conveyance for passengers and is not rented to others; section 660(a)(2) includes any other four-wheel motor vehicle with a load capacity of 1,500 pounds or less; and section 660(a)(3) includes a motorcycle.", "sourceId": "ca-ins-code-660", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-660#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-660#c3", "checksum": "c0506f558833", "text": "Section 660(a)(2) provides that the chapter does not apply to any policy issued under an automobile assigned risk plan, any policy insuring more than four automobiles, or any policy covering garage, automobile sales agency, repair shop, service station or public parking place operation hazards.", "sourceId": "ca-ins-code-660", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-660#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-660#c4", "checksum": "41809030d9cd", "text": "Section 660(b) provides that automobile liability coverage includes only coverage of bodily injury and property damage liability, medical payments, and uninsured motorists coverage.", "sourceId": "ca-ins-code-660", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-660#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-660#c5", "checksum": "c23ebfc37aa3", "text": "Section 660(c) provides that automobile physical damage coverage includes all coverage of loss or damage to an insured automobile except loss or damage resulting from collision or upset, and section 660(d) provides that automobile collision coverage includes all coverage of loss or damage resulting from collision or upset.", "sourceId": "ca-ins-code-660", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-660#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-660#c6", "checksum": "c3bfc98fd80c", "text": "Section 660(e) defines renewal as continuing coverage with either the issuing insurer or an affiliated insurer as defined in section 1215, and requires that where coverage is continued with an affiliated insurer it be the same or broader coverage and that the insured be notified in writing at least 20 days before expiration of the current policy period.", "sourceId": "ca-ins-code-660", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-660#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-660#c7", "checksum": "9353a704d4a5", "text": "Section 660(e) requires that the notice of replacement in an affiliated insurer state that the insurer has determined it will not offer renewal with the present insurer, that it is offering replacement in an affiliated insurer, and that the insured may obtain the reasons for the change in insurers by requesting them in writing not later than one month following expiration of the policy period.", "sourceId": "ca-ins-code-660", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-660#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-660#c8", "checksum": "603aa46d79f2", "text": "Section 660(e) provides that any policy with a policy period or term of six months or less, whether or not made continuous for successive terms upon payment of additional premiums, shall for the purposes of the chapter be considered as if written for a term of six months.", "sourceId": "ca-ins-code-660", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-660#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-660#c9", "checksum": "c3f203255482", "text": "Section 660(e) provides that any policy written for a term longer than one year, or any policy with no fixed expiration date, shall for the purposes of the chapter be considered as if written for successive policy periods or terms of one year.", "sourceId": "ca-ins-code-660", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-660#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-660#c10", "checksum": "5c348b653635", "text": "Section 660(f) defines nonpayment of premium as failure of the named insured to discharge when due any obligation in connection with the payment of premiums on a policy, or any installment of that premium, whether payable directly to the insurer or its agent or indirectly under any premium finance plan or extension of credit.", "sourceId": "ca-ins-code-660", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-660#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-660#c11", "checksum": "045fc13ffac0", "text": "Section 660(g) defines cancellation as termination of coverage by an insurer, other than termination at the request of the insured, during a policy period; section 660(h) defines nonrenewal as a notice by the insurer that it is unwilling to renew a policy; and section 660(i) defines expiration as termination of coverage by reason of the policy having reached the end of its term or the end of the period for which a premium has been paid.", "sourceId": "ca-ins-code-660", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-661#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-661#c1", "checksum": "bb5a5628ce2c", "text": "Section 661(a) provides that a notice of cancellation of a policy shall be effective only if it is based on one or more of the five reasons the subdivision lists.", "sourceId": "ca-ins-code-661", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-661#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-661#c2", "checksum": "99ac3e4b8c1c", "text": "Section 661(a)(1) lists nonpayment of premium as a ground for cancellation.", "sourceId": "ca-ins-code-661", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-661#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-661#c3", "checksum": "66c10bd8f3c9", "text": "Section 661(a)(2) lists as a ground that the driver's license or motor vehicle registration of the named insured, or of any other operator who either resides in the same household or customarily operates an automobile insured under the policy, has been under suspension or revocation during the policy period or, if the policy is a renewal, during its policy period or the 180 days immediately preceding its effective date.", "sourceId": "ca-ins-code-661", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-661#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-661#c4", "checksum": "8a9ecb2ff5d4", "text": "Section 661(a)(3) lists as a ground the discovery of fraud by the named insured in pursuing a claim under the policy, provided the insurer does not rescind the policy.", "sourceId": "ca-ins-code-661", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-661#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-661#c5", "checksum": "0c005578e4c6", "text": "Section 661(a)(4) lists as a ground the discovery of material misrepresentation of the named insured's or a customarily-operating household resident's safety record, annual miles driven in prior years, number of years of driving experience, record of prior automobile insurance claims, or any other factor found by the commissioner to have a substantial relationship to the risk of loss.", "sourceId": "ca-ins-code-661", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-661#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-661#c6", "checksum": "9e72bf9e55c2", "text": "Section 661(a)(4) provides that an insured who negligently misrepresents information of that kind may avoid cancellation by furnishing corrected information to the insurer within 20 days after receiving notice of cancellation and agreeing to pay any difference in premium for the policy period in which the information remained undisclosed.", "sourceId": "ca-ins-code-661", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-661#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-661#c7", "checksum": "5c41f7c0ed96", "text": "Section 661(a)(5) lists as a ground a substantial increase in the hazard insured against.", "sourceId": "ca-ins-code-661", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-661#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-661#c8", "checksum": "35f803d05b4b", "text": "Section 661(b) provides that modification of automobile physical damage coverage by the inclusion of a deductible not exceeding one hundred dollars shall not be deemed a cancellation of the coverage or of the policy.", "sourceId": "ca-ins-code-661", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-661#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-661#c9", "checksum": "c324feeb3f8a", "text": "Section 661(c) provides that the section does not apply to nonrenewal.", "sourceId": "ca-ins-code-661", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-662#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-662#c1", "checksum": "6b1e69517aa7", "text": "Section 662(a)(1) provides that a notice of cancellation of a policy is not effective unless mailed or delivered by the insurer to the named insured, lienholder or additional interest at least 20 days prior to the effective date of cancellation.", "sourceId": "ca-ins-code-662", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-662#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-662#c2", "checksum": "9e8113677ff1", "text": "Section 662(a)(1) provides that where cancellation is for nonpayment of premium, at least 10 days notice of cancellation after nonpayment of premium due by the specified due date, accompanied by the reason for the cancellation, shall be given.", "sourceId": "ca-ins-code-662", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-662#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-662#c3", "checksum": "42dcaa3f9d97", "text": "Section 662(a)(1) requires that unless the reason accompanies or is included in the notice of cancellation, the notice state or be accompanied by a statement that upon written request of the named insured, mailed or delivered to the insurer not less than 15 days prior to the effective date of cancellation, the insurer will specify the reason for the cancellation.", "sourceId": "ca-ins-code-662", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-662#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-662#c4", "checksum": "9f78edebdd42", "text": "Section 662(a)(2) provides that a cancellation based on nonpayment of premium shall only be effective on the date specified in the notice if the insured has not cured the nonpayment of premium identified in the notice by the end of the 10-day period.", "sourceId": "ca-ins-code-662", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-662#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-662#c5", "checksum": "c62b604e31d5", "text": "Section 662(b) provides that the section does not apply to nonrenewal.", "sourceId": "ca-ins-code-662", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-662#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-662#c6", "checksum": "9529a003c8e0", "text": "Section 662(c) provides that notices made to lienholders pursuant to the section may be done electronically with the consent of the lienholder.", "sourceId": "ca-ins-code-662", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-663#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-663#c1", "checksum": "40dc7cd0e4f4", "text": "Section 663(a) requires an insurer, before policy expiration, to deliver or mail to the named insured at the address shown on the policy either a written or verbal offer of renewal at least 20 days before expiration, contingent upon payment of premium as stated in the offer, or a written notice of nonrenewal at least 30 days before expiration including the statement required by section 666.", "sourceId": "ca-ins-code-663", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-663#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-663#c2", "checksum": "4a36644a8be6", "text": "Section 663(b)(1) requires an insurer that delivers a verbal offer to renew which the insured declines to deliver or mail to the named insured, at least 20 days before expiration, a written confirmation of the offer and the rejection.", "sourceId": "ca-ins-code-663", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-663#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-663#c3", "checksum": "9e168a444380", "text": "Section 663(b)(2) requires an insurer that attempts to satisfy subdivision (a) with a verbal offer to renew but is unable to contact the named insured directly at least 20 days before expiration to deliver or mail a written offer to renew, contingent upon payment of premium as stated in the offer, at least 20 days before expiration.", "sourceId": "ca-ins-code-663", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-663#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-663#c4", "checksum": "fe2095ed82b5", "text": "Section 663(c) provides that where an insurer fails to give the named insured either an offer of renewal or a notice of nonrenewal as the section requires, the existing policy, with no change in its terms and conditions, shall remain in effect for 30 days from the date that either the offer to renew or the notice of nonrenewal is delivered or mailed to the named insured.", "sourceId": "ca-ins-code-663", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-663#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-663#c5", "checksum": "f5aa98de9fe5", "text": "Section 663(c) requires the insurer to provide the insured with a notice to that effect together with the policy or the notice of renewal or nonrenewal.", "sourceId": "ca-ins-code-663", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-663#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-663#c6", "checksum": "9f2e2c8011c0", "text": "Section 663(c) provides that notwithstanding the insurer's failure to comply with the section, the policy shall terminate on the effective date of any other replacement or succeeding automobile insurance policy procured by the insured or the insured's agent or broker with respect to any automobile designated in both policies.", "sourceId": "ca-ins-code-663", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-663#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-663#c7", "checksum": "f756e897495d", "text": "Section 663(d) provides that the insurer is not required to notify the named insured or any other insured of nonrenewal of the policy if the insurer has mailed or delivered a notice of expiration or cancellation on or prior to the 30th day preceding expiration of the policy period.", "sourceId": "ca-ins-code-663", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-663#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-663#c8", "checksum": "4dbbd0acb2ff", "text": "Section 663(e) provides that the section became operative on January 1, 2019.", "sourceId": "ca-ins-code-663", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-675#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-675#c1", "checksum": "bfde239a5fdd", "text": "California Insurance Code Section 675(a) applies the article to policies of insurance, other than automobile insurance and workers' compensation insurance, on risks located or resident in this state, covering damage to residential property of not more than four dwelling units, personal property within such residences, and personal liability.", "sourceId": 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"72ca51d69c54", "text": "California Insurance Code Section 675.1 provides that an insurer shall not cancel or refuse to renew a policy of residential property insurance for a property located in any ZIP Code within or adjacent to the fire perimeter, for one year after the declaration of a state of emergency, based solely on the fact that the insured structure is located in an area in which a wildfire has occurred.", "sourceId": "ca-ins-code-675-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/renewal-readiness" ] }, { "claimId": "ca-ins-code-675-1#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-675-1#c2", "checksum": "5e19edf89c41", "text": "Where a total loss to the primary insured residence results from a disaster as defined in subdivision (b) of Civil Code Section 1689.14 and was not caused by the policyholder's negligence, Section 675.1 requires the insurer to offer renewal for at least the next two annual renewal periods, but no less than 24 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willful or grossly negligent acts or omissions materially increasing any of the risks insured against, where unrelated losses render the risk ineligible, or where physical or risk changes make the property uninsurable.", "sourceId": "ca-ins-code-675-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/renewal-readiness" ] }, { "claimId": "ca-ins-code-675-1#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-675-1#c5", "checksum": "604559e856bc", "text": "The page carries the note 'Amended by Stats. 2018, Ch. 618, Sec. 1.5. 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"ca-ins-code-679-7", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/commercial-property-underwriting-information" ] }, { "claimId": "ca-ins-code-679-7#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-679-7#c5", "checksum": "c5e55c7e542a", "text": "The section applies only to policies of commercial insurance that are subject to Insurance Code sections 675.5 and 676.6, except for professional liability insurance.", "sourceId": "ca-ins-code-679-7", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/commercial-property-underwriting-information" ] }, { "claimId": "ca-ins-code-679-7#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-679-7#c6", "checksum": "4f438afdbf46", "text": "The requirement does not apply where the policyholder is provided direct, ongoing access to claims information by the insurer.", "sourceId": "ca-ins-code-679-7", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/commercial-property-underwriting-information" ] }, { "claimId": "ca-ins-code-700-certificate-of-authority#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-700-certificate-of-authority#c1", "checksum": "9ae4304635a2", "text": "A person shall not transact any class of insurance business in this state without first being admitted for that class.", "sourceId": "ca-ins-code-700-certificate-of-authority", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/surety-bond-vs-insurance" ] }, { "claimId": "ca-ins-code-700-certificate-of-authority#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-700-certificate-of-authority#c2", "checksum": "c81caee33cf4", "text": "Admission is secured by procuring a certificate of authority from the Insurance Commissioner, except for the State Compensation Insurance Fund as authorized by the sections named in the statute.", "sourceId": 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specific automotive repair dealer unless a referral is expressly requested by the claimant, or the claimant has been informed in writing of the right to select the automotive repair dealer.", "sourceId": "ca-ins-code-758-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/insurer-choose-repair-shop-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-758-5#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-758-5#c3", "checksum": "94f5008418a7", "text": "Section 758.5(b)(2) permits an insurer to provide the claimant with specific truthful and nondeceptive information regarding the services and benefits available during the claims process, which may include information about repair warranties offered, the type of replacement parts to be used, the anticipated time to repair the vehicle, and the quality of workmanship available.", "sourceId": "ca-ins-code-758-5", "reliedOnBy": [ 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"text": "Section 758.5(b)(3) requires that where the recommendation is made orally and accepted, the insurer mail or provide a written notice within five calendar days of the acceptance, in a separate and freestanding document, in no less than 10-point type, containing the statement the subdivision prescribes.", "sourceId": "ca-ins-code-758-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/insurer-choose-repair-shop-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-758-5#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-758-5#c6", "checksum": "0df7c0d499cc", "text": "Section 758.5(b)(3) prescribes the text of that notice, which states that the insurer is prohibited by law from requiring that repairs be done at a specific automotive repair dealer and that the claimant is entitled to select the auto body repair shop to repair damage covered by the insurer.", "sourceId": "ca-ins-code-758-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/insurer-choose-repair-shop-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-758-5#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-758-5#c7", "checksum": "418ebd934274", "text": "Section 758.5(c) provides that, except for a referral the claimant expressly requested or information of the kind authorized by subdivision (b)(2), after the claimant has chosen an automotive repair dealer the insurer shall not suggest or recommend that the claimant select a different automotive repair dealer.", "sourceId": "ca-ins-code-758-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/insurer-choose-repair-shop-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-758-5#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-758-5#c8", "checksum": "33adc0d6919e", "text": "Section 758.5(d)(1) requires an insurer that by the insurance contract suggests or recommends repair at a particular automotive repair dealer to prominently disclose that contractual provision in writing to the insured both at the time the insurance is applied for and at the time the claim is acknowledged.", "sourceId": "ca-ins-code-758-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/insurer-choose-repair-shop-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-758-5#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-758-5#c9", "checksum": "97065bc94638", "text": "Section 758.5(d)(2) provides that if the claimant elects to have the vehicle repaired at the shop of the claimant's choice, the insurer shall not limit or discount the reasonable repair costs based on charges that would have been incurred had the vehicle been repaired by the insurer's chosen shop.", "sourceId": "ca-ins-code-758-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/insurer-choose-repair-shop-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-758-5#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-758-5#c10", "checksum": "a83672e1cd8b", "text": "Section 758.5(e) defines claimant, for purposes of the section, as a first-party claimant or insured, or a third-party claimant who asserts a right of recovery for automotive repairs under an insurance policy.", "sourceId": "ca-ins-code-758-5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/insurer-choose-repair-shop-california", "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-ins-code-758-5#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-758-5#c11", "checksum": "ca34f28a297b", "text": "Section 758.5(f) provides that the 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"reliedOnBy": [ "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "ca-sb-1107#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-sb-1107#c3", "checksum": "f691ca49a9d7", "text": "Effective January 1, 2035 the California minimums increase again by $20,000 per person, $40,000 per accident, and $10,000 for property damage, producing limits of $50,000, $100,000, and $25,000, and the deposit alternative increases by $50,000.", "sourceId": "ca-sb-1107", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "ca-sb-1107#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-sb-1107#c4", "checksum": "6902b40d0f3b", "text": "SB 1107 amended California Vehicle Code sections 16056, 16430, 16435, 16451 and 16500, and added Insurance Code section 12960.", "sourceId": "ca-sb-1107", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "ca-sb-1107#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-sb-1107#c5", "checksum": "dee353cd5a35", "text": "SB 1107 was chaptered as Chapter 717, Statutes of 2022.", "sourceId": "ca-sb-1107", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "ca-usrp-1995-2318-6#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c1", "checksum": "d9ff184d8a81", "text": "The cover page reads: California Workers' Compensation Uniform Statistical Reporting Plan-1995, Title 10, California Code of Regulations Section 2318.6, Effective September 1, 2026.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c2", "checksum": "e8681e9fd85d", "text": "The Memorandum regarding the September 1, 2026 revisions states that Part 1, Section I, Introduction, Rule 3, Effective Date, was amended to show that the effective date of the amended Uniform Statistical Reporting Plan is 12:01 AM, September 1, 2026.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c3", "checksum": "4936dabf5236", "text": "Part 3, Section III, Rule 1a: any business or operation specifically described by a classification shall be assigned to that classification. Rule 1b: any business or operation not described by a classification shall be assigned to the classification(s) most analogous from the standpoint of process and hazard.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c4", "checksum": "728f0fa00919", "text": "In determining the most analogous classification, Rule 1b directs consideration of factors that differ by activity, including for manufacturers the industry type, finished goods, raw materials, and types of tools and equipment and how employees use them; for stores the types of products sold, who purchases them and how they are sold; for service providers the type of services, who contracts for them and where they are provided; for construction or erection the types of structures, raw materials and equipment and the type of contractor's license required; and for agriculture the crops cultivated and animals raised, the methods used, and the machinery, tools and equipment used.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c5", "checksum": "6c70cdfe3672", "text": "Part 3, Section III, Rule 1c: any business or operation described by a classification defined as a Standard Exception shall be classified in the Standard Exception classification; however, when a Standard Exception is assigned to the basic business or operation, all employees not specifically included in the definitions for such Standard Exceptions shall be separately classified, all other conditions contained in the Plan notwithstanding. The worked example following Rule 1c assigns all operations of an investment firm to Classification 8810, Clerical Office Employees, except an employee who maintains the facility, who is assigned to Classification 9015(1), Building Operation - N.O.C. - all other employees.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c6", "checksum": "12bdba0f7584", "text": "Part 3, Section III, Rule 2 (Single Enterprise): if the employer's business, conducted at one or more locations, consists of a single operation or a number of separate operations that normally prevail in the business described by a single classification, the entire exposure of the business shall be assigned to that single classification, and no division of payroll shall be permitted in respect to any other operation unless the applicable classification phraseology or other provisions of the Plan specifically provide for it.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c7", "checksum": "16a9ee463b03", "text": "The Single Enterprise worked example describes a full service restaurant whose staff includes chefs, bakers, dishwashers, wait staff, janitors and car parking valets, plus a storage facility at an additional location holding restaurant supplies; because those operations normally prevail in the operation of a full service restaurant, Classification 9080, Restaurants - full service, applies to all of the employees.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c8", "checksum": "577e19fef31a", "text": "Part 3, Section III, Rule 3 (Multiple Enterprises): two or more distinct operations that do not normally prevail in the business described by a single classification are separately classified only if physically separated; if two or more distinct operations are not physically separated, they shall be assigned to the highest-rated classification applicable to the distinct operations conducted in the common workspace. Division of payroll is permitted only if the operation is not described by any General Inclusion, the division is not contrary to classification phraseology, and the division is not contrary to other provisions of the Plan.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c9", "checksum": "bf968e9ea9ae", "text": "Part 3, Section IV lists eight Special Industry Classification Procedures: Aircraft Operation; Construction or Erection Work; Electronic Products Design and Manufacturing; Farms; Stores; Wrecking or Demolition and Building Raising or Moving; Labor Contractors; and Property Management/Operation.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c10", "checksum": "bc323759025d", "text": "Part 3, Section IV, Rule 2 (Construction or Erection Work) is the location of the wording 'Operations for which separate records of payroll are not maintained shall be assigned to the highest rated classification applicable to the job or location if payrolls are kept separately by job within the policy period; otherwise, the highest rated classification shall be assigned based on the entire policy period.' This wording sits in the construction divided-payroll rule and is not the general recordkeeping rule.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c11", "checksum": "3998f1a34f1a", "text": "Part 3, Section IV, Rule 2a (Determination of Dual Wage Construction or Erection Classification): a classification that requires the regular hourly wage to equal or exceed a specified amount may be used only upon verification that the employee is paid an hourly wage that equals or exceeds the specified amount. For all employees other than salaried employees, determination of the regular hourly wage must be supported by original time cards or time book entries for each employee, or by a valid collective bargaining agreement that shows the regular hourly wage rate by job classification of worker; payroll for which an hourly wage determination cannot be reconciled to those records shall not be assigned to a classification that requires the regular hourly wage to equal or exceed a specified amount.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c12", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c12", "checksum": "f41ac281a272", "text": "Part 3, Section V, Rule 2 (Payroll Records): if the employer fails to keep complete and accurate records of the remuneration earned by all officers and employees in sufficient detail to permit the proper classification of payroll and to make them available for examination by the insurer, the total remuneration earned shall be assigned to the highest rated classification describing any part of the work.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c13", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c13", "checksum": "ad0df0ddb0d7", "text": "Part 3, Section V, Rule 3 (Division of Single Employee's Payroll): the remuneration of any one employee may be divided between two or more classifications only if the employer has maintained complete and accurate records supported by original time cards or time book entries showing separately, both by individual employee and in summary by operations performed, the remuneration earned by such employee. Division shall not be allowed in connection with Standard Exception classifications or if the division is contrary to classification phraseology. If the employer fails to keep such records, the entire remuneration of the employee shall be assigned to the highest rated classification applicable to any part of the work performed by the employee. Payroll may not be divided by means of percentages, averages, estimates, or any basis other than specific time records.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c14", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c14", "checksum": "0c8db197fd65", "text": "Part 3, Section VI, Rule 1: the WCIRB has authority to inspect the premises of any employer for classification assignment purposes and is responsible for conducting a comprehensive inspection program to ensure that insurers use the proper classifications in reporting payroll and losses.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c15", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c15", "checksum": "4ac380b5e8c7", "text": "Part 3, Section VI, Rule 2: if the WCIRB has made a classification assignment as the result of a WCIRB inspection, notice of the classification(s) assigned shall be published by providing the inspection report to either the insurer of record at the time the inspection was conducted or the insurer of record at the time the report is released, and the WCIRB shall provide a copy of the inspection report to the employer within 30 days from the date the inspection report is published. An insurer is not relieved of the obligation to report an applicable WCIRB classification assignment because of lack of knowledge that notice has been published by the WCIRB.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c16", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c16", "checksum": "a4c78b25e097", "text": "Part 3, Section VI, Rule 3a: if the classification assignment represents a reclassification of the employer's operations that is not the result of a change of operations or a reallocation or assignment of payroll to existing classifications on the policy, the classification shall be published and effective as provided in Rules 3a(1) and 3a(2).", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c17", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c17", "checksum": "061b06bca249", "text": "Part 3, Section VI, Rule 3a(1): if the classification carries a pure premium rate higher than that of the erroneous classification, it shall be effective as of the effective date of the erroneous classification assignment provided (a) the classification assignment is published within three months of the effective date of the erroneous assignment, (b) the WCIRB was notified, in writing, within three months of the effective date of the erroneous assignment of a possible error, or (c) the WCIRB notified the insurer of record, in writing, within three months of the effective date of the erroneous assignment that the erroneous assignment was under review. Otherwise, the revised assignment shall be effective as of the date it is published, unless it is published less than three months prior to the expiration of the outstanding policy, in which case it shall be effective as of the inception date of the policy which replaces the outstanding policy.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c18", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c18", "checksum": "c7afd5267ace", "text": "Part 3, Section VI, Rule 3a(2), first sentence: if the classification carries a pure premium rate lower than that of the erroneous classification, it shall be effective as of the inception date of a policy outstanding on the date the insurer of record is notified by the WCIRB, in writing, that the erroneous assignment is under review. Second sentence: the assignment also shall be applied as of the inception date of a policy that expired no more than twelve (12) months prior to the date the assignment was published or the insurer of record was notified by the WCIRB, in writing, that the erroneous assignment was under review, provided the erroneous assignment was applicable to such policy.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c19", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c19", "checksum": "6dc2518e3edc", "text": "Part 3, Section VI, Rule 3b: a classification assignment due to a change of operations shall be published and effective as of the date of the change of operations, regardless of the resulting pure premium rate. Rule 3c: a reallocation or assignment of payroll to existing classifications on a policy shall be effective as of the inception date of the policy.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c20", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c20", "checksum": "59af9040e6d6", "text": "Part 3, Section VI, Rule 4a(3): each policy producing a final premium of less than $10,500 and developing exposure in a dual wage construction or erection classification that requires the regular hourly wage to equal or exceed a specified amount shall be physically audited, unless the policy is a renewal and the insurer physically audited one of the two immediately preceding policy periods.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c21", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c21", "checksum": "c445fb0d88ad", "text": "The Memorandum states that the September 1, 2026 revisions amend Part 3, Section V, Rule 1, Subrules j, k, l and m to adjust the minimum and maximum payroll limitations for executive officers, partners, individual employers and members of a limited liability company, to reflect wage inflation since those limitations were last amended in 2025.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c22", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c22", "checksum": "822f5fc28e69", "text": "The Memorandum raises the annual payroll limitation from $165,100 to $171,600 for thirty-four separately listed classifications, each stated as reflecting wage inflation since the payroll limitation was last amended in 2025. The full set is: 9181 Athletic Teams or Athletic Facilities (for players, per player per season); 9610 Motion Pictures - production (for actors, musicians, producers and the motion picture director, per person); and, per employee, 7607(2) Audio Post-Production, 7607(1) Video Post-Production, 8803 Auditing, Accounting or Management Consulting Services, 8808 Banks, 8801 Credit Unions, 8749 Mortgage Bankers, 8743 Mortgage Brokers, 8822 Insurance Companies, 8820 Law Firms, 4512 Biomedical Research Laboratories, 8859(1) Computer Programming or Software Development, 8859(2) Internet or Web-Based Application Development or Operation, 8601(1) Engineers, 8601(2) Oil or Gas Geologists or Scouts, 8601(4) Forest Engineers, 8874(1) Instrument Mfg. - electronic - professional or scientific - hardware or software design or development, 8874(2) Computer or Computer Peripheral Equipment Mfg. - hardware or software design or development, 8874(3) Telecommunications Equipment Mfg. - hardware or software design or development, 8874(4) Audio/Video Electronic Products Mfg. - hardware or software design or development, 8874(5) Integrated Circuit and Semiconductor Wafer Mfg. - hardware or software design or development, 8874(6) Medical Instrument Mfg. - electronic - diagnostic or treatment - hardware or software design or development, 8874(7) Instrument Mfg. - non-electronic - scientific or medical - hardware or software design or development, 8839 Dental or Orthodontia Practices, 9043 Hospitals, 8834 Physicians' Practices and Outpatient Clinics, 4297(1) Electronic Pre-Press, 4297(2) Graphic Design, 8807 Newspaper, 7610 Radio, 8741 Real Estate Agencies, 9156 Theaters - dance, and 9151 Theaters - musical entertainment.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c23", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c23", "checksum": "42e193ad35ed", "text": "The Memorandum eliminates certain classifications with their operations reassigned, including Classification 3070, Computer Memory Disk Mfg., eliminated due to low statistical credibility with its operations reassigned to Classification 3681(2), Computer or Computer Peripheral Equipment Mfg. - all other employees, and Classification 2102, Fruit or Vegetable Evaporation or Dehydrating, eliminated due to its limited statistical credibility with its operations reassigned to Classification 2111(1), Fruit or Vegetable Preserving. Classification 2111(3), Fruit or Vegetable Pickling, was also eliminated as an alternate phraseology for clarity and its operations reassigned to Classification 2111(1).", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-usrp-1995-2318-6#c24", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-usrp-1995-2318-6#c24", "checksum": "0a5620b60fd5", "text": "The Memorandum lists twenty-five pairs of classifications whose hourly wage threshold was increased effective September 1, 2026, each stated as reflecting wage inflation since the threshold was last amended in 2024: 5185/5186 Automatic Sprinkler Installation, $33.00 to $36.00; 5403/5432 Carpentry, $41.00 to $46.00; 5201(2)/5205(2) Concrete or Cement Work - pouring or finishing of concrete floor slabs and concrete slab-type foundations, $33.00 to $36.00; 5201(1)/5205(1) Concrete or Cement Work - pouring or finishing of concrete sidewalks, driveways, patios, curbs or gutters, $33.00 to $36.00; 5190/5140 Electrical Wiring, $36.00 to $40.00; 6218(1)/6220(1) Excavation, $40.00 to $45.00; 6315(2)/6316(2) Gas Mains or Connections Construction, $40.00 to $45.00; 5467/5470 Glaziers, $39.00 to $43.00; 6218(2)/6220(2) Grading Land, $40.00 to $45.00; 5538(2)/5542(2) Heating or Air Conditioning Ductwork, $33.00 to $37.00; 5183(3)/5187(3) Heating or Air Conditioning Equipment, $32.00 to $35.00; 6218(3)/6220(3) Land Leveling, $40.00 to $45.00; 5027/5028 Masonry, $35.00 to $37.00; 5474(1)/5482(1) Painting or Wallpaper Installation, $32.00 to $36.00; 5474(3)/5482(3) Painting - water, oil or gasoline storage tanks, $32.00 to $36.00; 5484/5485 Plastering or Stucco Work, $38.00 to $42.00; 5183(1)/5187(1) Plumbing, $32.00 to $35.00; 5183(2)/5187(2) Refrigeration Equipment, $32.00 to $35.00; 5552/5553 Roofing, $31.00 to $33.00; 6307/6308 Sewer Construction, $40.00 to $45.00; 5538(1)/5542(1) Sheet Metal Work, $33.00 to $37.00; 5632/5633 Steel Framing, $41.00 to $46.00; 5446/5447 Wallboard Installation, $41.00 to $45.00; 6315(1)/6316(1) Water Mains or Connections Construction, $40.00 to $45.00; and 5474(2)/5482(2) Waterproofing, $32.00 to $36.00.", "sourceId": "ca-usrp-1995-2318-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/examples/workers-comp-business-classified-not-jobs", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "ca-veh-code-16020#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-veh-code-16020#c1", "checksum": "d8cf7246a623", "text": "Section 16020(a) requires all drivers and all owners of a motor vehicle to be able to establish financial responsibility pursuant to Vehicle Code section 16021 at all times, and to carry in the vehicle at all times evidence of the form of financial responsibility in effect for the vehicle.", "sourceId": "ca-veh-code-16020", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-veh-code-16020#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-veh-code-16020#c2", "checksum": "7a1e7839b146", "text": "Section 16020(b)(1) provides that evidence of financial responsibility includes a form issued by an insurance company or charitable risk pool, as specified by the Department of Motor Vehicles pursuant to Vehicle Code section 4000.37.", "sourceId": "ca-veh-code-16020", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-veh-code-16020#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-veh-code-16020#c3", "checksum": "c636c9d91936", "text": "Section 16020(b)(2) provides that evidence of financial responsibility includes, where the owner is a self-insurer under Vehicle Code section 16052 or a depositor under Vehicle Code section 16054.2, the certificate of self-insurance or the assignment of deposit letter issued by the department.", "sourceId": "ca-veh-code-16020", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-veh-code-16020#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-veh-code-16020#c4", "checksum": "7efb75451afa", "text": "Section 16020(b)(3) provides that evidence of financial responsibility includes an insurance covering note or binder pursuant to Insurance Code section 382 or 382.5.", "sourceId": "ca-veh-code-16020", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-veh-code-16020#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-veh-code-16020#c5", "checksum": "9ed3e614be60", "text": "Section 16020(b)(4) provides that evidence of financial responsibility includes a showing that the vehicle is owned or leased by, or under the direction of, the United States or a public entity as defined in Government Code section 811.2.", "sourceId": "ca-veh-code-16020", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-veh-code-16020#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-veh-code-16020#c6", "checksum": "59b0941175fb", "text": "Section 16020(c) provides that evidence of financial responsibility may also be obtained by a law enforcement officer and court personnel from an electronic reporting system when that system becomes available for use by law enforcement officers.", "sourceId": "ca-veh-code-16020", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california" ] }, { "claimId": "ca-veh-code-16056#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-veh-code-16056#c1", "checksum": "de30186f076e", "text": "Vehicle Code section 16056 states the liability limits a policy must carry to satisfy California's financial responsibility requirement as $15,000 for bodily injury to or death of one person, $30,000 for bodily injury to or death of all persons in one accident, and $5,000 for property damage for the period through December 31, 2024.", "sourceId": "ca-veh-code-16056", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california", "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "ca-veh-code-16056#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-veh-code-16056#c2", "checksum": "f2b15af05656", "text": "Vehicle Code section 16056 states the limits applicable on and after January 1, 2025 as $30,000 for bodily injury to or death of one person, $60,000 for bodily injury to or death of all persons in one accident, and $15,000 for property damage.", "sourceId": "ca-veh-code-16056", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california", "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "ca-veh-code-16056#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-veh-code-16056#c3", "checksum": "121322dcef1c", "text": "Vehicle Code section 16056 provides for a further step-up effective January 1, 2035, expressed as an increase BY $20,000 for bodily injury to or death of one person, BY $40,000 for bodily injury to or death of all persons in one accident, and BY $10,000 for property damage. Applied to the amounts operative from January 1, 2025, that produces limits of $50,000, $100,000 and $25,000 from January 1, 2035. The statute states the increments rather than the resulting figures, so the increments must not be read as the 2035 limits.", "sourceId": "ca-veh-code-16056", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california", "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "ca-veh-code-16056#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-veh-code-16056#c4", "checksum": "a6fbdfe9e1de", "text": "The section's amendment note reads that it was amended, as added by Stats. 2022, Ch. 717, Sec. 3, by Stats. 2023, Ch. 204, Sec. 19 (AB 1140), effective January 1, 2024, operative January 1, 2025 by its own provisions.", "sourceId": "ca-veh-code-16056", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/personal-auto-california", "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "ccp-116-221-small-claims-limit#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ccp-116-221-small-claims-limit#c1", "checksum": "91185d750da3", "text": "In addition to the jurisdiction conferred by Section 116.220, the small claims court has jurisdiction in an action brought by a natural person if the amount of the demand does not exceed twelve thousand five hundred dollars ($12,500), except as otherwise prohibited by subdivision (c) of Section 116.220 or subdivision (a) of Section 116.231.", "sourceId": "ccp-116-221-small-claims-limit", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/surety-bond-vs-insurance" ] }, { "claimId": "ccp-116-221-small-claims-limit#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ccp-116-221-small-claims-limit#c2", "checksum": "87fec241e880", "text": "The section carries the notation Amended by Stats. 2023, Ch. 861, Sec. 6 (SB 71), effective January 1, 2024.", "sourceId": "ccp-116-221-small-claims-limit", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/surety-bond-vs-insurance" ] }, { "claimId": "ccr-10-2697-6#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ccr-10-2697-6#c1", "checksum": "4ee211c1060e", "text": "The reproduced regulation sets the Coverage A limit of insurance on the basic residential earthquake policy equal to the stated Coverage A limit of the underlying residential property insurance policy.", "sourceId": "ccr-10-2697-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "ccr-10-2697-6#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ccr-10-2697-6#c2", "checksum": "7aabda620a28", "text": "The reproduced regulation sets a personal property limit of no less than $5,000.", "sourceId": "ccr-10-2697-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "ccr-10-2697-6#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ccr-10-2697-6#c3", "checksum": "4e0d2b06584f", "text": "The reproduced regulation sets a loss of use limit of no less than $1,500, with no deductible.", "sourceId": "ccr-10-2697-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "ccr-10-2697-6#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ccr-10-2697-6#c4", "checksum": "a3a9bcb99013", "text": "The reproduced regulation sets building code upgrade coverage at no less than $10,000, subject to the Coverage A deductible.", "sourceId": "ccr-10-2697-6", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "cdi-ahb-em-machining-2001#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c1", "checksum": "4ad6ecbf0d50", "text": "The document is captioned PROPOSED DECISION, is dated October 23, 2001, and closes with the administrative law judge stating that he submits the proposed decision and recommends its adoption as the decision of the Insurance Commissioner of the State of California.", "sourceId": "cdi-ahb-em-machining-2001", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes" ] }, { "claimId": "cdi-ahb-em-machining-2001#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c2", "checksum": "befca45ed412", "text": "Footnote 1: the WCIRB is a rating organization licensed by the Insurance Commissioner under Insurance Code section 11750 et seq. to assist the Commissioner in the development and administration of workers' compensation insurance classification and rating systems, and the WCIRB serves as the Commissioner's designated statistical agent for the purpose of gathering and compiling experience data developed under California workers' compensation and employers' liability insurance policies (Ins. Code 11751.5).", "sourceId": "cdi-ahb-em-machining-2001", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes" ] }, { "claimId": "cdi-ahb-em-machining-2001#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c3", "checksum": "2c9407c826d3", "text": "The decision states that generally it is the business of the employer within California that is classified, not the separate employments, occupations or operations within the business, citing the Plan, Part 3.", "sourceId": "cdi-ahb-em-machining-2001", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes" ] }, { "claimId": "cdi-ahb-em-machining-2001#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c4", "checksum": "508c0f780f6c", "text": "Footnote 7: rate, as used in the Plan, means the cost of the insurance per unit of exposure (payroll) prior to any application of individual risk variations based on loss or expense considerations applicable to an insurer's classification.", "sourceId": "cdi-ahb-em-machining-2001", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes" ] }, { "claimId": "cdi-ahb-em-machining-2001#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c5", "checksum": "d2abfb41bf52", "text": "The decision states that the rate for each classification reflects the payroll data and loss history associated with the particular operations assigned to that classification, so that if the operations assigned to a classification have a high loss history the rate for that classification will tend to be higher.", "sourceId": "cdi-ahb-em-machining-2001", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes" ] }, { "claimId": "cdi-ahb-em-machining-2001#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c6", "checksum": "422a3623d837", "text": "Footnote 8: under the 2000 version of the Plan, the pure premium rate per $100.00 of payroll for classification 0106, Tree Pruning Repairing or Trimming, is $31.86, and the pure premium rate for classification 8810, Clerical Office Employees, is $.76.", "sourceId": "cdi-ahb-em-machining-2001", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes" ] }, { "claimId": "cdi-ahb-em-machining-2001#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c7", "checksum": "ba34bde242e9", "text": "Footnote 6: an insurer may develop and file with the Department of Insurance its own classification system upon which a rate may be made, or may alternatively incorporate the WCIRB's classification system and develop rates based on the pure premium rates in the Plan; in any event the insurer's rate filing is subject to the Commissioner's disapproval (Insurance Code section 11734(b)).", "sourceId": "cdi-ahb-em-machining-2001", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes" ] }, { "claimId": "cdi-ahb-em-machining-2001#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c8", "checksum": "08599ff12210", "text": "The carrier's underwriting department contacted the WCIRB and requested that the WCIRB conduct a physical inspection of the employer's plant to verify whether the operations were properly assigned; following its inspection the WCIRB issued a Classification Inspection Report dated August 4, 2000, and later a second Classification Inspection Report, reassigning the operations.", "sourceId": "cdi-ahb-em-machining-2001", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes" ] }, { "claimId": "cdi-ahb-em-machining-2001#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c9", "checksum": "18385679f77f", "text": "Under California Code of Regulations, title 10, section 2509.61(a), a party has the burden of proof as to each fact the existence or nonexistence of which is essential to the claim for relief or defense that he or she is asserting.", "sourceId": "cdi-ahb-em-machining-2001", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes" ] }, { "claimId": "cdi-ahb-em-machining-2001#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c10", "checksum": "73b4ce86af59", "text": "The administrative law judge concluded that the WCIRB met its burden by showing the end product, employee skills, raw materials and type and use of equipment were more like those of the compared industry, and ordered that the WCIRB's determination assigning the employer's operations to classification 3643(1) is affirmed.", "sourceId": "cdi-ahb-em-machining-2001", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes" ] }, { "claimId": "cdi-ahb-em-machining-2001#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c11", "checksum": "3859d9aaf0ff", "text": "The decision records that the carrier initially charged the employer $2.17 per $100.00 of payroll under classification 3681 and that the rate was raised to $4.57 per $100.00 of payroll after reassignment to classification 3643(1), so that the employer's premium more than doubled.", "sourceId": "cdi-ahb-em-machining-2001", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes" ] }, { "claimId": "cdi-cat-model-2024#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-cat-model-2024#c1", "checksum": "42da61159aab", "text": "The Department states that Commissioner Lara announced on December 13, 2024 that he had finalized a wildfire catastrophe modeling regulation, which permits the use of forward-looking catastrophe models in ratemaking.", "sourceId": "cdi-cat-model-2024", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "cdi-cat-model-2024#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-cat-model-2024#c2", "checksum": "c14e17cc9ac8", "text": "The Department states that all homeowners insurance companies must increase the writing of comprehensive policies in wildfire distressed areas equivalent to no less than 85 percent of their statewide market share.", "sourceId": "cdi-cat-model-2024", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "cdi-cat-model-2024#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-cat-model-2024#c3", "checksum": "5ed3c60ee40e", "text": "The Department describes the net cost of reinsurance in ratemaking regulation announced in this December 30, 2024 release as the final major element of the reform package, and uses the phrase Sustainable Insurance Strategy for the overall effort.", "sourceId": "cdi-cat-model-2024", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "cdi-check-insurance-company#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-check-insurance-company#c1", "checksum": "145e7bf6c8c0", "text": "CDI tells consumers to search Insurance Company Profiles to verify that an insurance company is authorized to conduct business in California, and to enter the name of the company to view the full company information.", "sourceId": "cdi-check-insurance-company", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-company-profiles#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-company-profiles#c1", "checksum": "5852cd5af5ef", "text": "A person can search by partial or full company name to retrieve an insurance company profile, and can alternatively search for company profiles by what kind of insurance the company is able to sell in California.", "sourceId": "cdi-company-profiles", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-company-profiles#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-company-profiles#c2", "checksum": "92f391a7469f", "text": "A CDI company profile includes location, former names of the company, agent for service of process, reference information (license status, company type, state of domicile), lines of insurance the company is authorized to transact, and complaint history.", "sourceId": "cdi-company-profiles", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-company-profiles#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-company-profiles#c3", "checksum": "6cbcc2177eb9", "text": "CDI points users to the National Association of Insurance Commissioners' Global Receivership Information Database for receivership information from U.S. jurisdictions, and to California's Conservation and Liquidation Office for additional California information.", "sourceId": "cdi-company-profiles", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-contact#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-contact#c1", "checksum": "22abbc06c141", "text": "The California Department of Insurance publishes a Consumer Hotline number of 800-927-4357 (HELP).", "sourceId": "cdi-contact", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "cdi-contact#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-contact#c2", "checksum": "47c51d2ca08f", "text": "The California Department of Insurance publishes a TTY number of 800-482-4833.", "sourceId": "cdi-contact", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "cdi-contact#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-contact#c3", "checksum": "1d2852ab97ee", "text": "The California Department of Insurance publishes 800-967-9331 under the label Licensing hotline, separately from the Consumer Hotline.", "sourceId": "cdi-contact", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "cdi-contact#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-contact#c4", "checksum": "9262925b5f97", "text": "The California Department of Insurance publishes a Fraud Division main line of 916-854-5760 and a Fraud Division email of fraud@insurance.ca.gov.", "sourceId": "cdi-contact", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "cdi-contact#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-contact#c5", "checksum": "628fdc4c9460", "text": "The California Department of Insurance lists headquarters offices at 300 South Spring Street, 14th Floor, Los Angeles, CA 90013 (213-346-6464); 300 Capitol Mall, 17th Floor, Sacramento, CA 95814 (916-492-3500); and 1901 Harrison Street, 6th Floor, Oakland, CA 94612 (415-538-4500).", "sourceId": "cdi-contact", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "cdi-contact#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-contact#c6", "checksum": "43d938afbe8c", "text": "The Contact Us page does not state hours of operation for the Consumer Hotline or for any office.", "sourceId": "cdi-contact", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "cdi-earthquake-guide-925#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-guide-925#c1", "checksum": "2ccabd8637bb", "text": "The guide states: 'Generally, homeowners, renters and condominium insurance policies do not cover damage from natural disasters such as earthquakes, floods, and landslides.'", "sourceId": "cdi-earthquake-guide-925", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-earthquake-guide-925#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-guide-925#c2", "checksum": "f07e177b6989", "text": "The guide states: 'Your homeowner's insurance does not cover earthquake damage.'", "sourceId": "cdi-earthquake-guide-925", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-earthquake-guide-925#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-guide-925#c3", "checksum": "5699810f59a9", "text": "The guide states: 'California law says that both homeowners and renter's insurance must cover fire damage that is caused by or follows an earthquake. This means that fire damage is covered, whether or not you have earthquake insurance.'", "sourceId": "cdi-earthquake-guide-925", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-earthquake-guide-925#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-guide-925#c4", "checksum": "d8a32606e926", "text": "The guide states that if you have homeowner's insurance in California your company must offer to sell you earthquake insurance every other year, that 'The offer must be in writing. It must tell you the amounts it covers (the limits), the deductible, and the premium.', and that 'You have 30 days to accept the offer. The 30-day period starts the date the company mails the offer to you. If you do not reply, you are rejecting the offer.'", "sourceId": "cdi-earthquake-guide-925", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-earthquake-guide-925#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-guide-925#c5", "checksum": "7815e50b4ecd", "text": "The guide states: 'The California Earthquake Authority (CEA) provides most earthquake insurance in California.', 'You cannot purchase earthquake insurance directly from CEA. It is sold by insurance companies that are members of CEA (also known as Participating Insurers).', and 'You must purchase a CEA policy from the same insurance company that you have your residential policy with.'", "sourceId": "cdi-earthquake-guide-925", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-earthquake-guide-925#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-guide-925#c6", "checksum": "7861d286a0b0", "text": "The guide describes three main parts of the basic CEA earthquake coverage: Dwelling (Coverage A), Personal Property (Coverage C), and Additional Living Expenses (Coverage D).", "sourceId": "cdi-earthquake-guide-925", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-earthquake-guide-925#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-guide-925#c7", "checksum": "c8b9f7608bbb", "text": "Under the heading 'What Earthquake Insurance Does Not Cover' the guide states 'All insurance policies have exclusions.' and lists as 'Some common earthquake insurance exclusions': Fire, Land, Vehicles, Flood. 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These expenses include, but are not limited to, housing, meals and warehouse storage. Coverage D is normally limited to 20 percent of Coverage A.\"", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c19", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c19", "checksum": "ce8e717a0b08", "text": "The guide states: \"After a residential policy has been in effect for sixty days, the insurance company can only cancel a policy for reasons specified by law, which include; nonpayment of premium, fraud, material misrepresentation, or physical changes in the insured property that increase any hazard insured against.\"", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c20", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c20", "checksum": "51176609bf4e", "text": "The guide defines material misrepresentation as \"A false statement given by an applicant of any important fact that had the insurance company known the truth, it would not have insured the risk.\"", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c21", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c21", "checksum": "e630fec8ae1d", "text": "The guide states: \"The condominium association generally purchases insurance for the building structure and common areas, such as corridors and walls.\"", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c22", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c22", "checksum": "4cffa0c9a1f3", "text": "The guide states: \"Like renters insurance, condominium unit-owners insurance provides coverage for personal property, loss of use, personal liability and medical payments to others. However, it also includes coverage for damages to the interior of the unit and improvements for which the unit owner is responsible to maintain in accordance with the governing rules of the condominium association.\"", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c23", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c23", "checksum": "0e822594cbd5", "text": "The guide states: \"Loss assessment may be an important coverage for you to consider, because it covers you for certain assessments that the condominium association makes as a result of a loss.\"", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c24", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c24", "checksum": "87cd1c7dfbcf", "text": "The dwelling limit should be the amount it would cost to replace your home, which may have nothing to do with the purchase price or the current market value.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c25", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c25", "checksum": "43291416fb85", "text": "Homeowners should base the limit on the cost of labor and materials necessary to rebuild the dwelling, not fluctuations in the real estate market.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c26", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c26", "checksum": "622c4adf3fc9", "text": "Under an actual cash value settlement the recovery is reduced by a fair and reasonable deduction for physical depreciation, and with a replacement cost policy the chances that you will be able to completely rebuild your home are better.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c27", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c27", "checksum": "e63c2fc3a187", "text": "Insurance coverage for losses resulting from floods is generally not provided in a homeowners or renters policy.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c28", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c28", "checksum": "5970a2dc0a02", "text": "When an insurer writes your homeowners coverage in California, the insurer is legally obligated to offer you earthquake coverage for an additional premium.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c29", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c29", "checksum": "c168f2deb6da", "text": "What was previously called Extended Replacement Cost Coverage is now called Limited Replacement Cost Coverage.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c30", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c30", "checksum": "d4f3c3156073", "text": "The dwelling limit should be the amount it would cost to replace the home, and this may have nothing to do with the purchase price or the current market value of the home, as homeowners insurance does not generally cover the value of the land upon which the dwelling sits.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c31", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c31", "checksum": "88368af379ca", "text": "When determining the amount of coverage to purchase, consumers should consider the cost of labor and materials necessary to rebuild the dwelling, not fluctuations in the real estate market.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c32", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c32", "checksum": "800bd0846b3c", "text": "Insurance companies have their own formulas for evaluating replacement cost, and because those formulas are unique to each company, different insurers may suggest or require different limits of coverage for the same dwelling.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c33", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c33", "checksum": "0deabce0d3ce", "text": "In a section summarizing key legislation, this guide describes Senate Bill 1855 (2004) as changing the use of the words Extended Replacement Cost Coverage in the California Residential Property Insurance Disclosure to Limited Replacement Cost Coverage. The page states this only as a description of that 2004 bill's effect on the wording of that disclosure; it does not state that Extended Replacement Cost Coverage is generally now called Limited Replacement Cost Coverage, and it gives no rationale specific to the change of words.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c34", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c34", "checksum": "d38dcf4cd20f", "text": "A policy cannot be sold as a guaranteed replacement cost policy unless it will pay to completely rebuild the home regardless of the coverage limit.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", 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"https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c36", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c36", "checksum": "e610d370c5a5", "text": "CDI advises consumers to ask their agent, broker, or insurer whether they automatically review or increase limits on a regular basis, or whether they offer an automatic inflation guard option.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c37", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c37", "checksum": "05f2b7298206", "text": "In its actual cash value discussion this guide uses the formulation the policy limit or the fair market value of the structure, whichever is less.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c38", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c38", "checksum": "4dab9df20083", "text": "CDI describes a homeowners policy as divided into a property section with Coverage A dwelling, Coverage B other structures, Coverage C personal property and Coverage D loss of use, and a liability section with Coverage E personal liability and Coverage F medical payments to others.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c39", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c39", "checksum": "d142707bced3", "text": "CDI states that Coverage A provides major property coverage protecting the house and attached structures if damaged by a covered peril.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", 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"https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c41", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c41", "checksum": "bef9da1b1034", "text": "CDI states that certain personal property categories such as jewelry and firearms are subject to special limits that cap the amount paid.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cdi-residential-insurance-guide#c42", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c42", "checksum": "73f169a1f0b9", "text": "CDI states that an actual cash value policy will not fully replace a destroyed home because it subtracts depreciation and pays either the repair cost less wear and tear or the policy limit, whichever is less.", "sourceId": "cdi-residential-insurance-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", 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"checksum": "87a46bcfb3b6", "text": "For trees and shrubbery the guide gives a general figure of 5 percent of the dwelling limit of liability provided as an additional amount of insurance, with a $500.00 (and in some cases $250.00) limit for loss to any one tree, shrub, or plant.", "sourceId": "cdi-residential-property-claims-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value", "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "cdi-residential-property-claims-guide#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-property-claims-guide#c6", "checksum": "b73ada74f462", "text": "The guide instructs consumers to check the language in their individual policy for the coverage that applies.", "sourceId": "cdi-residential-property-claims-guide", "reliedOnBy": [ 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] }, { "claimId": "cdi-wc-commercial-guide#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-wc-commercial-guide#c1", "checksum": "b93403a137db", "text": "CDI states that all California employers must provide workers compensation benefits to their employees under California Labor Code Section 3700.", "sourceId": "cdi-wc-commercial-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/insurance/workers-compensation-california", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "cdi-wc-commercial-guide#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-wc-commercial-guide#c2", "checksum": "9b63434ba01e", "text": "CDI states that there are five basic types of workers compensation benefits: medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits, and death benefits.", "sourceId": 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[ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/insurance/workers-compensation-california", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "cdi-wc-commercial-guide#c13", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-wc-commercial-guide#c13", "checksum": "b7b5db2cf6f7", "text": "Classifications that group distinct and identifiable occupations, industries, or business are developed and assigned codes by the Workers' Compensation Insurance Rating Bureau of California (WCIRB) and are approved by the Insurance Commissioner.", "sourceId": "cdi-wc-commercial-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/insurance/workers-compensation-california", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "cdi-wc-commercial-guide#c14", "canonicalUrl": 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ombudsman, who is available to answer questions from employers on classification, experience modification, and rating issues.", "sourceId": "cdi-wc-commercial-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/insurance/workers-compensation-california", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "cdi-wc-commercial-guide#c21", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-wc-commercial-guide#c21", "checksum": "352611663398", "text": "The final premium of a workers' compensation policy cannot be calculated until the policy term is over and the employer's payroll records have been audited.", "sourceId": "cdi-wc-commercial-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/workers-comp-class-codes", "https://bestinsuranceresearch.com/insurance/workers-compensation-california", 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A notice page states 'THE LANGUAGE OF THIS POLICY HAS BEEN APPROVED BY THE CALIFORNIA INSURANCE COMMISSIONER'.", "sourceId": "cea-beq3b-homeowners-policy-form", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/examples/cea-percentage-deductible-moves-with-another-policy", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cea-beq3b-homeowners-policy-form#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-beq3b-homeowners-policy-form#c2", "checksum": "69e9ee78ab4e", "text": "The AGREEMENT states: 'This policy is issued by the California Earthquake Authority (CEA), a public instrumentality of the State of California established and authorized by law to transact insurance in California as necessary to sell policies of basic residential earthquake insurance.'", "sourceId": "cea-beq3b-homeowners-policy-form", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/examples/cea-percentage-deductible-moves-with-another-policy", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cea-beq3b-homeowners-policy-form#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-beq3b-homeowners-policy-form#c3", "checksum": "37f1c3cfc3ef", "text": "Definition 12 defines 'Earthquake' as 'a vibration-generating rupture event caused by displacement within the earth's crust through release of strain associated with tectonic processes and includes effects such as ground shaking, liquefaction, and damaging amplification of ground motion', and ends 'Earthquake does not mean or include tsunami or volcanic eruption.'", "sourceId": "cea-beq3b-homeowners-policy-form", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/examples/cea-percentage-deductible-moves-with-another-policy", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cea-beq3b-homeowners-policy-form#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-beq3b-homeowners-policy-form#c4", "checksum": "7cf15c64e660", "text": "Definition 11 states: 'Dwelling does not include land, whether or not beneath the residential structure or mobile home, even if required for support.'", "sourceId": "cea-beq3b-homeowners-policy-form", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/examples/cea-percentage-deductible-moves-with-another-policy", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cea-beq3b-homeowners-policy-form#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-beq3b-homeowners-policy-form#c5", "checksum": "fb1e41d43af7", "text": "LOSSES EXCLUDED Item 1 excludes 'Fire or explosion.'", "sourceId": "cea-beq3b-homeowners-policy-form", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/examples/cea-percentage-deductible-moves-with-another-policy", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cea-beq3b-homeowners-policy-form#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-beq3b-homeowners-policy-form#c6", "checksum": "2171e0a8982f", "text": "LOSSES EXCLUDED Item 2 excludes water damage including 'Flood, precipitation (including but not limited to rain, snow, hail, or sleet), or surface water; 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background to CEA's creation.", "sourceId": "cea-history", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "cea-history#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-history#c4", "checksum": "191089550f8c", "text": "CEA states: 'On January 17, 1994, a magnitude 6.7 earthquake known as the Northridge earthquake rocked California's San Fernando Valley'.", "sourceId": "cea-history", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "cea-history#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-history#c5", "checksum": "275204954bee", "text": "CEA states that 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The page gives no as-of date and no methodology for that figure.", "sourceId": "cea-history", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "cea-history#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-history#c9", "checksum": "714061332e88", "text": "The California Legislature created the California Earthquake Authority in 1996, following the January 17, 1994 magnitude 6.7 Northridge earthquake.", "sourceId": "cea-history", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california", "https://bestinsuranceresearch.com/companies/california-earthquake-authority", "https://bestinsuranceresearch.com/states/california" ] }, { "claimId": "cea-history#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-history#c10", 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Explosion, and Smoke.", "sourceId": "cfp-dwelling-policy", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/states/california", "https://bestinsuranceresearch.com/examples/fair-plan-named-peril-gaps" ] }, { "claimId": "cfp-dwelling-policy#c16", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c16", "checksum": "48ec28bc1fc5", "text": "The California FAIR Plan Dwelling page states that optional coverages are available at an additional cost, such as coverage for vandalism and malicious mischief.", "sourceId": "cfp-dwelling-policy", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/states/california", "https://bestinsuranceresearch.com/examples/fair-plan-named-peril-gaps" ] }, { "claimId": "cfp-dwelling-policy#c17", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c17", "checksum": "fc019aa2cf96", "text": "The California FAIR Plan Dwelling page states that for more complete property coverage the reader should consider purchasing Difference in Conditions, Flood, or Earthquake policies to supplement a California FAIR Plan policy.", "sourceId": "cfp-dwelling-policy", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", 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"https://bestinsuranceresearch.com/sources/cfp-dwelling-property-policy-form#c1", "checksum": "342360385f5d", "text": "The document is headed 'SAMPLE DWELLING PROPERTY POLICY' under the California FAIR Plan Association masthead, runs 17 pages, and every page footer reads 'CFP 00 01 (05/2026) Includes copyrighted material of Insurance Services Office, Inc., with its permission.'", "sourceId": "cfp-dwelling-property-policy-form", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california" ] }, { "claimId": "cfp-dwelling-property-policy-form#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-property-policy-form#c2", "checksum": "6a6795f74411", "text": "General Exclusion 2 reads: 'Earth Movement, meaning earthquake, including land shock waves or tremors before, during or after a volcanic eruption; landslide; mine subsidence; mudflow; earth sinking, rising or shifting; unless direct loss by: a. fire; or b. explosion; ensues and then we will pay only for the ensuing loss.'", "sourceId": "cfp-dwelling-property-policy-form", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california" ] }, { "claimId": "cfp-dwelling-property-policy-form#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-property-policy-form#c3", "checksum": "256b73feb620", "text": "General Exclusion 3 reads: 'Water Damage, meaning: a. flood, surface water, waves, tidal water, overflow of a body of water, or spray from any of these, whether or not driven by wind; b. water which backs up through sewers or drains or which overflows from a sump; or c. water below the surface of the ground, including water which exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool or other structure.' It then states: 'Direct loss by fire or explosion resulting from water damage is covered.'", "sourceId": "cfp-dwelling-property-policy-form", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california" ] }, { "claimId": "cfp-dwelling-property-policy-form#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-property-policy-form#c4", "checksum": "7471cb04e7f3", "text": "Peril Insured Against 9 reads: 'Volcanic Eruption other than loss caused by earthquake, land shock waves or tremors.'", "sourceId": "cfp-dwelling-property-policy-form", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california" ] }, { "claimId": "cfp-dwelling-property-policy-form#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-property-policy-form#c5", "checksum": "28899eef2112", "text": "This is a dwelling fire form published by the California FAIR Plan Association, not a homeowners form and not a private carrier's filed homeowners form.", "sourceId": "cfp-dwelling-property-policy-form", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california" ] }, { "claimId": "cfp-earthquake-page#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-earthquake-page#c1", "checksum": "981c5cc7045d", "text": "The page states: 'The California FAIR Plan offers earthquake coverage through the California Earthquake Authority (CEA) as a separate policy for customers with a California FAIR Plan Dwelling Fire policy.'", "sourceId": "cfp-earthquake-page", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california" ] }, { "claimId": "cfp-earthquake-page#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-earthquake-page#c2", "checksum": "5c53eb247d6c", "text": "The page states: 'A stand-alone earthquake policy written by the California FAIR Plan is not available. You must have an in-force California FAIR Plan policy to qualify for CEA coverage through the California FAIR Plan.'", "sourceId": "cfp-earthquake-page", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california" ] }, { "claimId": "cfpb-1024-17-k5#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-1024-17-k5#c1", "checksum": "24c3bb4d23dc", "text": "Where a borrower's hazard insurance premium charges are paid from an escrow account, a servicer may not purchase force-placed insurance unless the servicer is unable to disburse funds from that escrow account to ensure that the borrower's hazard insurance premium charges are paid in a timely manner.", "sourceId": "cfpb-1024-17-k5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cfpb-1024-17-k5#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-1024-17-k5#c2", "checksum": "5aec0f596448", "text": "A servicer shall not be considered unable to disburse funds from the borrower's escrow account because the escrow account contains insufficient funds for paying hazard insurance premium charges.", "sourceId": "cfpb-1024-17-k5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cfpb-1024-17-k5#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-1024-17-k5#c3", "checksum": "e63602270fbd", "text": "A servicer is unable to disburse funds only where it has a reasonable basis to believe that the borrower's hazard insurance has been canceled or was not renewed for reasons other than nonpayment of premium charges, or where the borrower's property is vacant.", "sourceId": "cfpb-1024-17-k5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cfpb-1024-17-k5#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-1024-17-k5#c4", "checksum": "68652c6dea0b", "text": "A small servicer as defined in 12 CFR 1026.41(e)(4) may purchase force-placed insurance where the cost to the borrower of that insurance is less than the amount the small servicer would need to disburse from the escrow account to ensure that the borrower's hazard insurance premium charges were paid in a timely manner, subject to the requirements of 12 CFR 1024.37.", "sourceId": "cfpb-1024-17-k5", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cfpb-1024-37#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-1024-37#c1", "checksum": "74510956869b", "text": "Force-placed insurance means hazard insurance obtained by a servicer on behalf of the owner or assignee of a mortgage loan that insures the property securing such loan.", "sourceId": "cfpb-1024-37", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cfpb-1024-37#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-1024-37#c2", "checksum": "881dd36e1f33", "text": "The definition excludes hazard insurance required by the Flood Disaster Protection Act of 1973, hazard insurance obtained by a borrower but renewed by the servicer as described in 12 CFR 1024.17(k)(1), (2), or (5), and hazard insurance obtained by a borrower but renewed by the servicer at its discretion if the borrower agrees.", "sourceId": "cfpb-1024-37", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cfpb-1024-37#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-1024-37#c3", "checksum": "4b415503823c", "text": "A servicer may not assess a premium charge or fee related to force-placed insurance unless it has a reasonable basis to believe that the borrower has failed to comply with the mortgage loan contract's requirement to maintain hazard insurance.", "sourceId": "cfpb-1024-37", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/requirement-mapper", 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notice must be delivered or mailed at least 30 days after the initial written notice and at least 15 days before the force-placed insurance charge is assessed.", "sourceId": "cfpb-1024-37", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cfpb-1024-37#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-1024-37#c6", "checksum": "428ad31e10bc", "text": "Except for charges subject to State regulation as the business of insurance and charges authorized by the Flood Disaster Protection Act of 1973, all charges related to force-placed insurance assessed to a borrower by or through the servicer must be bona fide and reasonable.", "sourceId": "cfpb-1024-37", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cfpb-1024-37#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-1024-37#c7", "checksum": "67b946aaebed", "text": "Before assessing a charge or fee for renewing or replacing existing force-placed insurance, a servicer must deliver or mail a written notice at least 45 days before assessing that charge or fee.", "sourceId": "cfpb-1024-37", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", 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borrower unless it has a reasonable basis to believe the borrower has failed to comply with the mortgage loan contract's requirement to maintain hazard insurance.", "sourceId": "cfpb-1024-37", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cfpb-1024-37#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-1024-37#c10", "checksum": "29215042a48c", "text": "A servicer must deliver to the borrower or place in the mail a written notice at least 45 days before assessing a force-placed insurance charge or fee.", "sourceId": "cfpb-1024-37", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", 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"canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-1024-37#c12", "checksum": "6430dc30899d", "text": "Within 15 days of receiving evidence that the borrower has had in place the required hazard insurance coverage, the servicer must cancel the force-placed insurance it purchased and refund all force-placed insurance premium charges and related fees paid by the borrower for any period of overlapping coverage.", "sourceId": "cfpb-1024-37", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cfpb-ask-162#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-ask-162#c1", "checksum": "f120c8a08d0d", "text": "Your lender wants to make sure your property is protected by insurance.", "sourceId": "cfpb-ask-162", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "cfpb-ask-162#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-ask-162#c2", "checksum": "25d1ab6efba3", "text": "A borrower can shop separately for homeowner's insurance and choose the provider and plan that is right for them.", "sourceId": "cfpb-ask-162", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "cfpb-ask-162#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-ask-162#c3", "checksum": "c29417c70aef", "text": "If a lender buys insurance on the home because the borrower did not maintain coverage, that insurance may only cover the lender, and not you, and it also may be more expensive than what you could buy on your own.", "sourceId": "cfpb-ask-162", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "cfpb-ask-162#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-ask-162#c4", "checksum": "119ad5a00632", "text": "Where insurance is escrowed, the borrower makes payments to the lender and the lender holds the insurance portion of the payment in an escrow account.", "sourceId": "cfpb-ask-162", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "cfpb-ask-219#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-ask-219#c1", "checksum": "51dd7832b7cb", "text": "In many instances, this insurance protects only the lender, not you.", "sourceId": "cfpb-ask-219", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "cfpb-ask-219#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-ask-219#c2", "checksum": "6e3b81bad7d2", "text": "Force-placed insurance is usually more expensive than finding an insurance policy yourself.", "sourceId": "cfpb-ask-219", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "cfpb-ask-219#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-ask-219#c3", "checksum": "5d17d706a210", "text": "A servicer may require force-placed coverage when the borrower does not have their own insurance policy or when the borrower's own policy does not meet the requirements of the mortgage contract.", "sourceId": "cfpb-ask-219", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "cfpb-ask-219#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfpb-ask-219#c4", "checksum": "781d8ea87c38", "text": "A borrower should send proof of their own policy and any other information the servicer requested to the servicer and request that the servicer cancel the force-placed policy as soon as possible.", "sourceId": "cfpb-ask-219", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "cfr-1024-37-lii#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfr-1024-37-lii#c1", "checksum": "6b644b5731e4", "text": "Within 15 days of receiving evidence that a borrower has hazard insurance coverage that complies with the loan contract's requirements, a servicer must cancel the force-placed insurance it purchased.", "sourceId": "cfr-1024-37-lii", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "cfr-1024-37-lii#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfr-1024-37-lii#c2", "checksum": "db7180a692d1", "text": "The servicer must refund to the borrower all force-placed insurance premium charges and related fees paid for any period of overlapping insurance coverage.", "sourceId": "cfr-1024-37-lii", "reliedOnBy": [ 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Principal of money to persons who have a right of action against such bond, and a Payment Bond cannot require the Surety to pay an amount which exceeds the claimant's actual loss or damage.", "sourceId": "cfr-13-115-10-sba-definitions", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/surety-bond-vs-insurance" ] }, { "claimId": "cfr-13-115-10-sba-definitions#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfr-13-115-10-sba-definitions#c9", "checksum": "553e8ad437d7", "text": "A Final Bond means a Performance Bond and/or a Payment Bond.", "sourceId": "cfr-13-115-10-sba-definitions", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/surety-bond-vs-insurance" ] }, { "claimId": "cfr-13-115-10-sba-definitions#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfr-13-115-10-sba-definitions#c10", "checksum": "7daa0cc77328", "text": "An Ancillary Bond is a bond incidental and essential to the performance of a Contract for which there is a 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"81cd065cf3eb", "text": "Paragraph (e)(2) provides three affordability safe harbors: the Form W-2 safe harbor, the rate of pay safe harbor, and the federal poverty line safe harbor.", "sourceId": "cfr-26-54-4980h-5-lii", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/group-benefits-renewal" ] }, { "claimId": "cfr-26-54-4980h-5-lii#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfr-26-54-4980h-5-lii#c3", "checksum": "a23653f73bc6", "text": "The Form W-2 safe harbor measures the employee contribution against 9.5 percent of that employee's Form W-2 wages from the employer for the calendar year.", "sourceId": "cfr-26-54-4980h-5-lii", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/group-benefits-renewal" ] }, { "claimId": "cfr-26-54-4980h-5-lii#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfr-26-54-4980h-5-lii#c4", "checksum": "c2a064f8d792", "text": "The rate of pay safe harbor, for an hourly employee, measures the contribution 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GOVERN, 2. IDENTIFY, 3. PROTECT, 4. DETECT, 5. RESPOND, 6. 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scope reaches C-suite personnel, critical section leadership, physical and cybersecurity personnel, third-party contractors, vendors, and suppliers; NIST CSF 2.0 reference GV.RR-02.", "sourceId": "cisa-cpg-2-0", "reliedOnBy": [ "https://bestinsuranceresearch.com/examples/breach-clock-is-a-ceiling-not-a-cadence", "https://bestinsuranceresearch.com/tools/cyber-control-readiness" ] }, { "claimId": "cisa-cpg-2-0#c16", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cisa-cpg-2-0#c16", "checksum": "9382f6554f78", "text": "Goal 1.B MANAGE CYBERSECURITY OVERSIGHT is a separate goal: policies for managing the cybersecurity program are reviewed at least annually, updated when changes are applied, communicated, and enforced; NIST CSF 2.0 reference GV.OV-03.", "sourceId": "cisa-cpg-2-0", "reliedOnBy": [ "https://bestinsuranceresearch.com/examples/breach-clock-is-a-ceiling-not-a-cadence", "https://bestinsuranceresearch.com/tools/cyber-control-readiness" ] }, { "claimId": "cisa-cpg-2-0#c17", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cisa-cpg-2-0#c17", "checksum": "5960638dc5f2", "text": "Goal 2.A MANAGE ORGANIZATIONAL ASSETS: maintain a regularly updated inventory of all organizational assets, meaning data, hardware, software, systems, facilities, and personnel, with IT and OT assets determined to be critical for business or operational functions updated on a more frequent basis.", "sourceId": "cisa-cpg-2-0", "reliedOnBy": [ "https://bestinsuranceresearch.com/examples/breach-clock-is-a-ceiling-not-a-cadence", "https://bestinsuranceresearch.com/tools/cyber-control-readiness" ] }, { "claimId": "cisa-cpg-2-0#c18", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cisa-cpg-2-0#c18", "checksum": "1fbb980c0d91", "text": "Goal 3.K UTILIZE STRONG ENCRYPTION: use encryption, digital signatures, and cryptographic hashes to protect the confidentiality and integrity of network communications, and identify critical electronic file types and data to protect while in transit and at rest, which may include personally identifiable information and sensitive, proprietary or trade secret information.", "sourceId": "cisa-cpg-2-0", "reliedOnBy": [ "https://bestinsuranceresearch.com/examples/breach-clock-is-a-ceiling-not-a-cadence", "https://bestinsuranceresearch.com/tools/cyber-control-readiness" ] }, { "claimId": "cisa-cpg-2-0#c19", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cisa-cpg-2-0#c19", "checksum": "876f515fa61d", "text": "Goal 2.B MITIGATE KNOWN VULNERABILITIES: implement a vulnerability management program to patch and mitigate misconfigured software in a timely manner, with a scope of all organizational assets, to include those that face the internet; monitor risk response progress through tools such as plan of action and milestones, risk registers, and risk detail reports; assign responsibilities and ensure procedures are followed. 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"canonicalUrl": "https://bestinsuranceresearch.com/sources/crmp-retrofit-next-steps#c5", "checksum": "36fc099d7589", "text": "The page treats a completed residential seismic retrofit as an event evidenced by permit and photographic documentation rather than by the homeowner's recollection.", "sourceId": "crmp-retrofit-next-steps", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "cslb-license-bonds-fast-facts#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cslb-license-bonds-fast-facts#c1", "checksum": "85df1f174942", "text": "To get a California contractor license, contractors must post a surety bond or cashier's check with CSLB.", "sourceId": "cslb-license-bonds-fast-facts", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/surety-bond-vs-insurance", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "cslb-license-bonds-fast-facts#c2", "canonicalUrl": 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"checksum": "ff3a113f185b", "text": "The guide states that a consumer who is not satisfied with the response of the surety company may take the contractor to small claims court for amounts up to $10,000, and that claims above $10,000 must be filed in a superior court.", "sourceId": "cslb-license-bonds-fast-facts", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/surety-bond-vs-insurance", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "cslb-license-bonds-fast-facts#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cslb-license-bonds-fast-facts#c9", "checksum": "5aec1bb7d9ed", "text": "CSLB may require a separate bond, referred to as a disciplinary bond, for contractors who have been disciplined, and some license qualifiers, including responsible managing employees, are required to have a $25,000 bond on file with CSLB.", "sourceId": "cslb-license-bonds-fast-facts", "reliedOnBy": [ 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"sourceId": "cslb-license-bonds-fast-facts", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/surety-bond-vs-insurance", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "cslb-workers-comp-requirements#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cslb-workers-comp-requirements#c1", "checksum": "2ad0ec246940", "text": "CSLB requires licensees with an active license, licensees reactivating an inactive license, and applicants for an active contractor license to provide a valid Certificate of Workers' Compensation Insurance or a valid Certification of Self-Insurance from the Department of Industrial Relations, or to file a signed exemption certifying they have no employees.", "sourceId": "cslb-workers-comp-requirements", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/contract-requirements", 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"cslb-workers-comp-requirements", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "cslb-workers-comp-requirements#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cslb-workers-comp-requirements#c5", "checksum": "219deac7510d", "text": "CSLB states that when an exempt licensee hires an employee, proof of workers compensation coverage must be received at CSLB headquarters within 90 days of the hire, and that failure to do so results in license suspension.", "sourceId": "cslb-workers-comp-requirements", "reliedOnBy": [ "https://bestinsuranceresearch.com/tools/requirement-mapper", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "dir-dwc-employer-faqs#c1", "canonicalUrl": 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"https://bestinsuranceresearch.com/sources/fema-nfip-eligibility#c5", "checksum": "ad4ad3ec4c47", "text": "If a property has received federal disaster assistance before, flood insurance must be maintained to qualify for future disaster assistance, including FEMA disaster grants and Small Business Administration disaster loans.", "sourceId": "fema-nfip-eligibility", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "fhcf-about#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fhcf-about#c1", "checksum": "4a878b4a88d0", "text": "The Florida Hurricane Catastrophe Fund is a tax-exempt 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"The FHCF states that it does not process claims from homeowners or renters.", "sourceId": "fhcf-home", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-dfs-consumer-services#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-dfs-consumer-services#c1", "checksum": "f23edf86423e", "text": "The Florida Department of Financial Services Division of Consumer Services states: Call (850) 413-3089 8:00 AM - 5:00 PM EST for Insurance Assistance, Available Monday through Friday.", "sourceId": "fl-dfs-consumer-services", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-dfs-wc-requirements#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-dfs-wc-requirements#c1", "checksum": "b456201da861", "text": "The Division states that an employer in the construction industry with one or more employees, including himself or herself, is required to carry workers' compensation coverage.", "sourceId": "fl-dfs-wc-requirements", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "fl-dfs-wc-requirements#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-dfs-wc-requirements#c2", "checksum": "d559cc9ffd3c", "text": "The Division states that an employer in an industry other than construction with four or more employees, full-time or part-time, is required to carry workers' compensation coverage.", "sourceId": "fl-dfs-wc-requirements", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "fl-dfs-wc-requirements#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-dfs-wc-requirements#c3", "checksum": "dfc24c1d7e3b", "text": "The Division states that an employer who is a farmer with more than five regular employees and/or twelve or more other workers for seasonal agricultural labor lasting thirty days or more is required to carry workers' compensation coverage.", "sourceId": "fl-dfs-wc-requirements", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "fl-hb1181-2025-bill#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-hb1181-2025-bill#c1", "checksum": "168d51fefcb5", "text": "Florida HB 1181 (2025) was titled Motor Vehicle Insurance and would have repealed provisions relating to application of the Florida Motor Vehicle No-Fault Law and revised motor vehicle insurance coverages, with a proposed effective date of July 1, 2026.", "sourceId": "fl-hb1181-2025-bill", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-hb1181-2025-bill#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-hb1181-2025-bill#c2", "checksum": "95f545f2f678", "text": "HB 1181 (2025) was indefinitely postponed and withdrawn from consideration on May 3, 2025 and died in the Judiciary Committee on June 16, 2025.", "sourceId": "fl-hb1181-2025-bill", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-oir-choices#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-oir-choices#c1", "checksum": "915b823b23e3", "text": "Florida's CHOICES rate comparison tools cover automobile, homeowners, Medicare Supplement, and small group health insurance.", "sourceId": "fl-oir-choices", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-oir-choices#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-oir-choices#c2", "checksum": "07fb8a8bcf6b", "text": "OIR states that the CHOICES tools for auto and homeowners insurance are based on three pre-defined model risk scenarios to provide the consumer with sample average rates in any Florida county.", "sourceId": "fl-oir-choices", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-oir-choices#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-oir-choices#c3", "checksum": "d30d50cbf859", "text": "OIR states that all rates provided in the CHOICES system are for illustrative purposes only and that consumers are encouraged to contact either an insurance agent or the insurance company for a premium quote based on their individual circumstances.", "sourceId": "fl-oir-choices", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-oir-home#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-oir-home#c1", "checksum": "baed825e5112", "text": "The Florida Office of Insurance Regulation lists its office as 200 East Gaines Street, Tallahassee, Florida 32399, and its phone number as (850) 413-3140.", "sourceId": "fl-oir-home", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": 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of bodily injury to, or death of, two or more persons in any one crash; and $10,000 because of injury to, or destruction of, property of others in any one crash.", "sourceId": "fl-stat-324-021", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-stat-324-021#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-324-021#c2", "checksum": "fdfe8e63f357", "text": "Section 324.021(7)(d) provides that with respect to commercial motor vehicles and nonpublic sector buses, proof of financial responsibility is in the amounts specified in sections 627.7415 and 627.742 respectively.", "sourceId": "fl-stat-324-021", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-stat-324-022#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-324-022#c1", "checksum": "9626d25791cc", "text": "Section 324.022(1) applies to every owner or operator of a motor vehicle required to be registered in 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providing the specified coverage.", "sourceId": "fl-stat-324-022", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-stat-324-023#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-324-023#c1", "checksum": "787a11a92b39", "text": "After a DUI conviction Florida requires ability to respond in damages of $100,000 because of bodily injury to, or death of, one person in any one crash; subject to that limit for one person, $300,000 because of bodily injury to, or death of, two or more persons in any one crash; and $50,000 because of property damage in any one crash.", "sourceId": "fl-stat-324-023", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-stat-324-023#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-324-023#c2", "checksum": "aa67b7dacc63", "text": "The higher post-DUI limits must be carried for a minimum period of 3 years, with the exemption conditioned on no further DUI or felony traffic conviction for 3 years from reinstatement of driving privileges.", "sourceId": "fl-stat-324-023", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-stat-324-051#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-324-051#c1", "checksum": "4eb4c2f26459", "text": "Section 324.051 provides for suspension of licenses and registrations thirty days after receipt of notice of a crash unless the operator or owner shows compliance with the financial responsibility provisions of the chapter, and lists exceptions including that automobile liability insurance was in effect at the time of the crash, that the vehicle was legally parked, that the vehicle was government owned, that a written release from all injured parties exists together with compliance under section 324.031, and that security has been deposited with the department under section 324.061.", "sourceId": "fl-stat-324-051", "reliedOnBy": [ 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"https://bestinsuranceresearch.com/sources/fl-stat-627-351#c3", "checksum": "dc3ada2c9706", "text": "A personal lines residential structure with a dwelling replacement cost of $700,000 or more is not eligible for Citizens coverage, except that in counties the office determines lack a reasonable degree of competition a personal lines residential structure with a dwelling replacement cost of less than $1 million remains eligible.", "sourceId": "fl-stat-627-351", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-stat-627-351#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-351#c4", "checksum": "d17c21e4848b", "text": "A personal lines residential structure in the wind-borne debris region with an insured value of $750,000 or more is not eligible for Citizens coverage unless the structure has opening protections.", "sourceId": "fl-stat-627-351", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-stat-627-351#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-351#c5", "checksum": "ab1e74f2eb44", "text": "A structure newly constructed, or rebuilt, repaired, restored, or remodeled, seaward of the coastal construction control line is not eligible for Citizens coverage.", "sourceId": "fl-stat-627-351", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-stat-627-351#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-351#c6", "checksum": "f2409cf1294d", "text": "Citizens may levy a policyholder surcharge as a uniform percentage of the premium for the policy of up to 15 percent of such premium, and emergency assessments may be levied when surcharges are insufficient.", "sourceId": "fl-stat-627-351", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-stat-627-7275#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-7275#c1", "checksum": "e2503e2261a8", "text": "Section 627.7275 provides that a motor vehicle insurance policy providing personal injury protection as set forth in section 627.736 may not be delivered or issued for delivery in Florida unless the policy also provides coverage for property damage liability as required by section 324.022.", "sourceId": "fl-stat-627-7275", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-stat-627-733#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-733#c1", "checksum": "4cf21a72812e", "text": "Section 627.733(1) provides that every owner or registrant of a motor vehicle, other than a motor vehicle used as a school bus or limousine, required to be registered and licensed in Florida shall maintain security as required by subsection (3) in effect continuously throughout the registration or licensing period.", "sourceId": "fl-stat-627-733", 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"claimId": "fl-stat-627-733#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-733#c4", "checksum": "9d34d2964fb4", "text": "Section 627.733(3) also provides that the security may be provided by any other method authorized by section 324.031(2) or (3) and approved by the Department of Highway Safety and Motor Vehicles as affording security equivalent to that afforded by a policy of insurance, or by self-insuring.", "sourceId": "fl-stat-627-733", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-stat-627-736#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-736#c1", "checksum": "08f780b6a332", "text": "Florida's required personal injury protection benefit is $10,000 in medical and disability benefits and $5,000 in death benefits resulting from bodily injury.", "sourceId": "fl-stat-627-736", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-stat-627-736#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-736#c2", "checksum": "1133c3ac6c1d", "text": "Florida PIP medical benefits apply if the injured individual receives initial services and care within 14 days after the motor vehicle accident.", "sourceId": "fl-stat-627-736", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fl-stat-627-736#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-736#c3", "checksum": "503cacec24b0", "text": "Florida PIP medical reimbursement is limited to $2,500 if a qualified provider determines that the injured person did not have an emergency medical condition.", "sourceId": "fl-stat-627-736", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/florida" ] }, { "claimId": "fnma-b7-3-02#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fnma-b7-3-02#c1", "checksum": "5c3041565b7a", "text": "Property insurance policies for one- to four-unit properties securing loans purchased by Fannie Mae should be written on a Special coverage form or equivalent. The page states this in should form, not as an absolute must.", "sourceId": "fnma-b7-3-02", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "fnma-b7-3-02#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fnma-b7-3-02#c2", "checksum": "51c7836ebcb5", "text": "The property insurance policy must provide coverage on a replacement cost basis, with the exception of roofs, and policies providing such terms of coverage will be deemed to provide sufficient coverage.", "sourceId": "fnma-b7-3-02", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "fnma-b7-3-02#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fnma-b7-3-02#c3", "checksum": "61e6831f7429", "text": "Roofs must be insured, but do not have to be insured on a replacement 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"891f63192216", "text": "The required perils listed are fire or lightning, explosion, windstorm including named storms, hail, smoke, aircraft, vehicles, and riot or civil commotion.", "sourceId": "fnma-b7-3-02", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "fnma-b7-3-02#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fnma-b7-3-02#c6", "checksum": "7a41f9fea24e", "text": "If a property insurance policy excludes or limits coverage of any of the required perils, the borrower must obtain an acceptable policy, for example a stand-alone policy, that provides adequate coverage for the limited or excluded peril.", "sourceId": "fnma-b7-3-02", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "fnma-b7-3-02#c7", "canonicalUrl": 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"checksum": "2f8cbc526abf", "text": "The deductible must not exceed the maximum deductible amount currently offered by NFIP for the applicable property type.", "sourceId": "fnma-b7-3-06", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "fnma-b7-3-06#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fnma-b7-3-06#c4", "checksum": "ec25923e77a4", "text": "A Policy Declaration page is acceptable evidence of flood insurance.", "sourceId": "fnma-b7-3-06", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "fnma-b7-3-06#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fnma-b7-3-06#c5", "checksum": "435f0cea527e", "text": "Acceptable policies include standard NFIP policies and private flood insurance meeting Fannie Mae's coverage and insurer rating requirements.", "sourceId": "fnma-b7-3-06", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "fnma-b7-3-08#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fnma-b7-3-08#c1", "checksum": "dfb34cef5d97", "text": "The applicable insurance policy must include or have attached a standard or union mortgagee clause without contribution.", "sourceId": "fnma-b7-3-08", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "fnma-b7-3-08#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fnma-b7-3-08#c2", "checksum": "93f81fb5f018", "text": "When Fannie Mae is named, the mortgagee clause must read Fannie Mae, in care of the servicer's name and address.", "sourceId": "fnma-b7-3-08", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "fnma-b7-3-08#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fnma-b7-3-08#c3", "checksum": "d3867bdeac78", "text": "The individual property or flood insurance policy must name all persons holding title to the subject property as named insured.", "sourceId": "fnma-b7-3-08", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "fnma-b7-3-08#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fnma-b7-3-08#c4", "checksum": "c1288940c927", "text": "The property insurance policy must provide for written notice to the named insured and mortgagee or mortgagees before the insurer can cancel the policy.", "sourceId": "fnma-b7-3-08", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement" ] }, { "claimId": "fnma-b7-3-08#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/fnma-b7-3-08#c5", "checksum": "b421f513416a", "text": "This section addresses naming and notice and does not state the amount of coverage required.", "sourceId": "fnma-b7-3-08", "reliedOnBy": [ 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This is a preparation checklist, not a universal market requirement.", "sourceId": "hedge-specialty-submission-checklist", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/commercial-property-underwriting-information" ] }, { "claimId": "helpinsure#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/helpinsure#c1", "checksum": "fbd280a98375", "text": "HelpInsure.com states that it is brought to consumers by the Texas Department of Insurance and the Office of Public Insurance Counsel, and that it lets consumers find and compare home and auto insurance policies in Texas.", "sourceId": "helpinsure", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "hylant-loss-runs#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/hylant-loss-runs#c1", "checksum": "b343f94e834e", "text": "Hylant, an insurance brokerage, writes that underwriters will often require organizations to submit loss runs for the past three to five years.", "sourceId": "hylant-loss-runs", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/commercial-property-underwriting-information", "https://bestinsuranceresearch.com/tools/contract-requirements", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "imua-nationwide-marine-definition#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/imua-nationwide-marine-definition#c1", "checksum": "770abeb5b453", "text": "The page states that the first attempt to set forth a Countrywide Marine Definition was made in 1933, when the then National Convention of Insurance Commissioners adopted a resolution.", "sourceId": "imua-nationwide-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "imua-nationwide-marine-definition#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/imua-nationwide-marine-definition#c2", "checksum": "c01231c8cb0e", "text": "The page states that since that time the Definition has been revised on two different occasions, the first revision coming in December 1953 and the most recent revision being made in December 1976.", "sourceId": "imua-nationwide-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "imua-nationwide-marine-definition#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/imua-nationwide-marine-definition#c3", "checksum": "b91f75f9f51b", "text": "The page states that the majority of states have adopted the 1976 Nationwide Marine Definition, although there are some states wherein the 1953 Definition remains applicable and a few which have not adopted either version.", "sourceId": "imua-nationwide-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "imua-nationwide-marine-definition#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/imua-nationwide-marine-definition#c4", "checksum": "3a45120210fa", "text": "The page states that the Definition's purpose is to categorize Marine or Inland Marine insurance and does not in any way purport to conclude what classifications are recognized as filed classifications.", "sourceId": "imua-nationwide-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "imua-nationwide-marine-definition#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/imua-nationwide-marine-definition#c5", "checksum": "856931ef506f", "text": "The page states that the Inland Marine Underwriters Association established a standing committee within the Association whose function and responsibility is to monitor, on an industry wide basis, all matters that affect or are otherwise related to the Definition.", "sourceId": "imua-nationwide-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "imua-nationwide-marine-definition#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/imua-nationwide-marine-definition#c6", "checksum": "df5d82a259f4", "text": "The page carries a State Digest of Applicable Nationwide Marine Definition listing each jurisdiction, the applicable Definition year, and a statutory citation. 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"https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c2", "checksum": "3ba44ecbdc07", "text": "Section I Covered Autos states that Item Two of the Declarations shows the autos that are covered autos for each coverage, and that the symbols entered next to a coverage on the Declarations designate the only autos that are covered autos.", "sourceId": "iso-ca-00-01-10-13", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-auto" ] }, { "claimId": "iso-ca-00-01-10-13#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c3", "checksum": "5ff65206f377", "text": "Symbol 1 is described as Any Auto.", "sourceId": "iso-ca-00-01-10-13", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-auto" ] }, { "claimId": "iso-ca-00-01-10-13#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c4", "checksum": "de6f75ce5e80", "text": "Symbol 2 is Owned Autos Only: only those autos you own, and for 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"checksum": "6101ebb23795", "text": "Exclusion 3 Workers' Compensation removes any obligation for which the insured or the insured's insurer may be held liable under any workers' compensation, disability benefits or unemployment compensation law or any similar law.", "sourceId": "iso-ca-00-01-10-13", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-auto" ] }, { "claimId": "iso-ca-00-01-10-13#c23", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c23", "checksum": "518f8710b19b", "text": "Exclusion 4 Employee Indemnification And Employer's Liability removes bodily injury to an employee of the insured arising out of and in the course of employment by the insured or performing duties related to the conduct of the insured's business, and to the spouse, child, parent, brother or sister of that employee as a consequence.", "sourceId": "iso-ca-00-01-10-13", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-auto" ] }, { 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"https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c14", "checksum": "e7db20e78f73", "text": "The Coverage A exclusions in CG 00 01 04 13 are lettered a. through q.: Expected Or Intended Injury; Contractual Liability; Liquor Liability; Workers' Compensation And Similar Laws; Employer's Liability; Pollution; Aircraft, Auto Or Watercraft; Mobile Equipment; War; Damage To Property; Damage To Your Product; Damage To Your Work; Damage To Impaired Property Or Property Not Physically Injured; Recall Of Products, Work Or Impaired Property; Personal And Advertising Injury; Electronic Data; and Recording And Distribution Of Material Or Information In Violation Of Law.", "sourceId": "iso-cg-00-01-04-13", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/insurance/workers-compensation-california", 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Contractual Liability removes bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement, and states that the exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement, or to liability assumed in a contract or agreement that is an insured contract, provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement.", "sourceId": "iso-cg-00-01-04-13", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/insurance/workers-compensation-california", "https://bestinsuranceresearch.com/examples/additional-insured-takes-three-endorsements", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "iso-cg-00-01-04-13#c17", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c17", "checksum": "0cf5590fb36f", "text": "The form defines insured contract to include a contract for a lease of premises with a stated fire-damage carve-out, a sidetrack agreement, an easement or license agreement with a stated railroad exception, an obligation required by ordinance to indemnify a municipality with a stated exception, an elevator maintenance agreement, and that part of any other contract or agreement pertaining to the insured's business under which the insured assumes the tort liability of another party to pay for bodily injury or property damage to a third person or organization.", "sourceId": "iso-cg-00-01-04-13", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/insurance/workers-compensation-california", "https://bestinsuranceresearch.com/examples/additional-insured-takes-three-endorsements", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "iso-cg-00-01-04-13#c18", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c18", "checksum": "27bb3e7f9cee", "text": "Nothing in the Contractual Liability exclusion or its insured contract exception amends Section II Who Is An Insured or confers additional insured status.", "sourceId": "iso-cg-00-01-04-13", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property", "https://bestinsuranceresearch.com/insurance/workers-compensation-california", "https://bestinsuranceresearch.com/examples/additional-insured-takes-three-endorsements", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "iso-cg-00-01-04-13#c19", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c19", "checksum": "4b4674dbcaf5", "text": "Coverage A exclusion a. 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"checksum": "24985cb8cb1f", "text": "The unendorsed form contains no broad professional services exclusion. 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Exclusions of both Coverage A and Coverage B.", "sourceId": "iso-cg-22-43-04-13", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability" ] }, { "claimId": "iso-cg-22-43-04-13#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-22-43-04-13#c2", "checksum": "7fddf70ec214", "text": "The added exclusion states that the insurance does not apply to bodily injury, property damage or personal and advertising injury arising out of the rendering of or failure to render any professional services by you or any engineer, architect or surveyor who is either employed by you or performing work on your behalf in such capacity.", "sourceId": "iso-cg-22-43-04-13", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability" ] }, { "claimId": "iso-cg-22-43-04-13#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-22-43-04-13#c3", "checksum": "4a2b1876892e", "text": "The endorsement states that professional services include the preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications, and supervisory, inspection, architectural or engineering activities.", "sourceId": "iso-cg-22-43-04-13", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability" ] }, { "claimId": "iso-cg-22-43-04-13#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-22-43-04-13#c4", "checksum": "426d16d9fe84", "text": "The exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the occurrence or offense involved the rendering of or failure to render any professional services by you or any engineer, architect or surveyor who is either employed by you or performing work on your behalf 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"https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "iso-cg-22-79-04-13#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-22-79-04-13#c2", "checksum": "7b9c55e513e4", "text": "Paragraph 3 states that professional services do not include services within construction means, methods, techniques, sequences and procedures employed by you in connection with your operations in your capacity as a construction contractor.", "sourceId": "iso-cg-22-79-04-13", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "iso-cg-22-79-04-13#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-22-79-04-13#c3", "checksum": "7dd7dd3bb5a4", "text": "The exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the occurrence or offense involved the rendering of or failure to render any professional services by you or on your behalf with respect to the operations described in the endorsement.", "sourceId": "iso-cg-22-79-04-13", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "iso-cp-00-10-10-12#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c1", "checksum": "d39b1fa2a5ae", "text": "CP 00 10 10 12 is the Building And Personal Property Coverage Form, and it insures Building, Your Business Personal Property and Personal Property Of Others as separately scheduled coverages in the Declarations.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { 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greater, and describes Personal Property Of Others as property in the insured's care, custody or control and located in or on the described building or structure or in the open, or in a vehicle, within 100 feet of the described premises.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c4", "checksum": "1bb2ad5c55d5", "text": "The form carries Additional Coverages at A.4 and Coverage Extensions at A.5 in addition to the scheduled limits of insurance.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c5", "checksum": "58e6fc526afc", "text": "Section A.5 states that the Coverage Extensions apply to property located in or on the building described in the Declarations or in the open, or in a vehicle, within 100 feet of the described premises, and that the insured may extend the insurance provided by the Coverage Part as the Extensions describe if a coinsurance percentage of 80 percent or more, or a Value Reporting period symbol, is shown in the Declarations.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c6", "checksum": "b73511dfd488", "text": "Section D Deductible provides that in any one occurrence of loss or damage the insurer will first reduce the amount of loss if required by the Coinsurance Condition or the Agreed Value Optional Coverage, will not pay if the adjusted amount of loss is less than or equal to the deductible, and will otherwise subtract the deductible from the adjusted amount of loss and pay the resulting amount or the Limit of Insurance, whichever is less.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c7", "checksum": "40c902b606b4", "text": "Section D Deductible also states that when the occurrence involves loss to more than one item of Covered Property and separate Limits of Insurance apply, the losses will not be combined in determining application of the deductible, but the deductible will be applied only once per occurrence.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c8", "checksum": "068d8bf0d997", "text": "The Valuation loss condition in section E.7 states that the insurer will determine the value of Covered Property at actual cash value as of the time of loss or damage, except as provided in subparagraphs b., c., d. and e. of that condition.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c9", "checksum": "c0e4100e40ed", "text": "Subparagraph E.7.b pays the cost of building repairs or replacement where the Limit of Insurance for Building satisfies the Coinsurance additional condition and the cost to repair or replace the damaged building property is $2,500 or less. That subparagraph states that the cost of building repairs or replacement does not include the increased cost attributable to enforcement of or compliance with any ordinance or law regulating the construction, use or repair of any property, and that awnings or floor coverings, appliances for refrigerating, ventilating, cooking, dishwashing or laundering, and outdoor equipment or furniture will be valued at actual cash value even when attached to the building.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c10", "checksum": "83354e33ab4c", "text": "Subparagraph E.7.c values Stock the insured has sold but not delivered at the selling price less discounts and expenses the insured otherwise would have had; E.7.d values glass at the cost of replacement with safety-glazing material if required by law; and E.7.e values tenants' improvements and betterments in three branches: at actual cash value if the insured makes repairs promptly; at a proportion of original cost, computed from the days from the loss to the expiration of the lease over the days from installation to that expiration, if it does not; and at nothing if others pay for repairs or replacement.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c11", "checksum": "17b7f8223a81", "text": "Coinsurance appears in section F.1 as an Additional Condition that applies only if a coinsurance percentage is shown in the Declarations.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c12", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c12", "checksum": "380b4385f1a3", "text": "The Coinsurance condition states that if one Limit of Insurance applies to two or more separate items, the condition applies to the total of all property to which the limit applies.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c13", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c13", "checksum": "39c1db8b45ef", "text": "The Coinsurance condition states that the insurer will not pay the full amount of any loss if the value of Covered Property at the time of loss times the coinsurance percentage shown in the Declarations is greater than the Limit of Insurance for the property.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c14", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c14", "checksum": "e85a80d3b3bd", "text": "The Coinsurance condition sets out a calculation that multiplies the value of Covered Property at the time of loss by the coinsurance percentage, divides the Limit of Insurance by that figure, multiplies the total amount of loss before the application of any deductible by the resulting figure, and then subtracts the deductible, and states that the insurer will pay the amount so determined or the Limit of Insurance, whichever is less, and that for the remainder the insured will either have to rely on other insurance or absorb 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Optional Coverages apply only if shown as applicable in the Declarations and are Agreed Value, Inflation Guard, Replacement Cost, and Extension Of Replacement Cost To Personal Property Of Others.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c17", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c17", "checksum": "f78f289e2b0e", "text": "The Agreed Value Optional Coverage states that the Additional Condition, Coinsurance, does not apply to Covered Property to which that Optional Coverage applies, that the insurer will pay no more for loss of or damage to that property than the proportion that the Limit of Insurance under the Coverage Part for the property bears to the Agreed Value shown for it in the Declarations, and that if the Agreed Value expiration date shown in the 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amount that Optional Coverage provides if it notifies the insurer of its intent to do so within 180 days after the loss or damage.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c24", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c24", "checksum": "d87cd568a7e8", "text": "The Replacement Cost Optional Coverage adds two branches for tenants' improvements and betterments: if the repair-or-replacement conditions are not met, their value is determined as a proportion of original cost as set out in the Valuation loss condition, and the insurer will not pay for loss or damage to them if others pay for repairs or replacement. The same Optional Coverage states that tenants' improvements and betterments are not considered to be the personal property of others under its terms.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c25", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c25", "checksum": "453fcabd45de", "text": "The Extension Of Replacement Cost To Personal Property Of Others Optional Coverage at G.4 may be shown as applicable only if the Replacement Cost Optional Coverage is itself shown as applicable, deletes Paragraph 3.b.(1) of the Replacement Cost Optional Coverage so that the personal-property-of-others carve-out no longer applies, and provides that where an item of personal property of others is subject to a written contract governing the insured's liability for loss or damage to it, valuation of that item is based on the amount for which the insured is liable under that contract, but not to exceed the lesser of the replacement cost of the property or the applicable Limit of Insurance.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-10-12#c26", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-10-12#c26", "checksum": "f0ae1611fd86", "text": "Section A.5 opens with the words Except as otherwise provided before describing where the Coverage Extensions apply.", "sourceId": "iso-cp-00-10-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-general-liability", "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-10-and-cp-10-30-forms-package#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-and-cp-10-30-forms-package#c1", "checksum": "00dc45f4c598", "text": "The package contains Building And Personal Property Coverage Form CP 00 10 10 12 with a 2011 Insurance Services Office copyright line, and Causes Of Loss - Special Form CP 10 30 09 17 with a 2016 Insurance Services Office copyright line.", "sourceId": "iso-cp-00-10-and-cp-10-30-forms-package", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "iso-cp-00-10-and-cp-10-30-forms-package#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-and-cp-10-30-forms-package#c2", "checksum": "d09b8a2bd503", "text": "On CP 00 10 10 12, Your Business Personal Property is covered while located in or on the building described in the Declarations, or in the open or in a vehicle within 100 feet of the building or structure or within 100 feet of the premises described in the Declarations, whichever distance is greater.", "sourceId": "iso-cp-00-10-and-cp-10-30-forms-package", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "iso-cp-00-10-and-cp-10-30-forms-package#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-and-cp-10-30-forms-package#c3", "checksum": "dc1047218310", "text": "On CP 00 10 10 12, the Property Not Covered list includes personal property while airborne or waterborne.", "sourceId": "iso-cp-00-10-and-cp-10-30-forms-package", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "iso-cp-00-10-and-cp-10-30-forms-package#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-and-cp-10-30-forms-package#c4", "checksum": "8f16084d3b1d", "text": "On CP 00 10 10 12, the Property Not Covered list includes vehicles or self-propelled machines, including aircraft or watercraft, that are licensed for use on public roads or are operated principally away from the described premises. That item states four exceptions: vehicles or self-propelled machines or autos the insured manufactures, processes or warehouses; vehicles or self-propelled machines other than autos held for sale; rowboats or canoes out of water at the described premises; and trailers, but only to the extent provided for in the Coverage Extension for Non-owned Detached Trailers.", "sourceId": "iso-cp-00-10-and-cp-10-30-forms-package", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "iso-cp-00-10-and-cp-10-30-forms-package#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-and-cp-10-30-forms-package#c5", "checksum": "40ca19f67922", "text": "On CP 00 10 10 12, the Property Not Covered list also includes contraband or property in the course of illegal transportation or trade, and the cost to replace or restore information on valuable papers and records other than those which exist as electronic data.", "sourceId": "iso-cp-00-10-and-cp-10-30-forms-package", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "iso-cp-00-10-and-cp-10-30-forms-package#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-and-cp-10-30-forms-package#c6", "checksum": "b9ddd87d8a78", "text": "On CP 00 10 10 12, the Coverage Extensions section opens by stating that except as otherwise provided the Extensions apply to property located in or on the described building or in the open or in a vehicle within 100 feet of the described premises, and that the insured may extend the insurance only if a Coinsurance percentage of 80% or more, or a Value Reporting period symbol, is shown in the Declarations.", "sourceId": "iso-cp-00-10-and-cp-10-30-forms-package", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "iso-cp-00-10-and-cp-10-30-forms-package#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-and-cp-10-30-forms-package#c7", "checksum": "4ae5f812411f", "text": "The Property Off-Premises Coverage Extension on CP 00 10 10 12 applies to Covered Property while away from the described premises in three situations: temporarily at a location the insured does not own, lease or operate; in storage at a leased location where the lease was executed after the beginning of the current policy term; or at any fair, trade show or exhibition.", "sourceId": "iso-cp-00-10-and-cp-10-30-forms-package", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "iso-cp-00-10-and-cp-10-30-forms-package#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-and-cp-10-30-forms-package#c8", "checksum": "dabb28063d46", "text": "The Property Off-Premises Extension on CP 00 10 10 12 states that it does not apply to property in or on a vehicle, or to property in the care, custody or control of the insured's salespersons unless that property is in such care at a fair, trade show or exhibition.", "sourceId": "iso-cp-00-10-and-cp-10-30-forms-package", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "iso-cp-00-10-and-cp-10-30-forms-package#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-and-cp-10-30-forms-package#c9", "checksum": "32a5d7f2224f", "text": "The Property Off-Premises Extension on CP 00 10 10 12 states that the most payable for loss or damage under the Extension is 10,000 dollars.", "sourceId": "iso-cp-00-10-and-cp-10-30-forms-package", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "iso-cp-00-10-and-cp-10-30-forms-package#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-and-cp-10-30-forms-package#c10", "checksum": "6e4399e00793", "text": "CP 10 30 09 17 contains an Additional Coverage Extension for Property In Transit that applies to the insured's personal property, other than property in the care, custody or control of the insured's salespersons, in transit more than 100 feet from the described premises, and requires the property to be in or on a motor vehicle the insured owns, leases or operates while between points in the coverage territory.", "sourceId": "iso-cp-00-10-and-cp-10-30-forms-package", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "iso-cp-00-10-and-cp-10-30-forms-package#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-and-cp-10-30-forms-package#c11", "checksum": "083e48375a30", "text": "The Property In Transit Extension on CP 10 30 09 17 responds only to a listed set of causes of loss: fire, lightning, explosion, windstorm or hail, riot or civil commotion, or vandalism; vehicle collision, upset or overturn; and theft of an entire bale, case or package by forced entry into a securely locked body or compartment of the vehicle, with visible marks of the forced entry required.", "sourceId": "iso-cp-00-10-and-cp-10-30-forms-package", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "iso-cp-00-10-and-cp-10-30-forms-package#c12", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-10-and-cp-10-30-forms-package#c12", "checksum": "aa843f4b1186", "text": "The Property In Transit Extension on CP 10 30 09 17 states that the most payable for loss or damage under the Extension is 5,000 dollars.", "sourceId": "iso-cp-00-10-and-cp-10-30-forms-package", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "iso-cp-00-30-10-12#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-30-10-12#c1", "checksum": "c87658eb2994", "text": "CP 00 30 10 12 is the Business Income (And Extra Expense) Coverage Form, a separate commercial property coverage form from the Building And Personal Property Coverage Form.", "sourceId": "iso-cp-00-30-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-30-10-12#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-30-10-12#c2", "checksum": "a48f05d21c3d", "text": "The form defines Business Income as the Net Income, meaning net profit or loss before income taxes, that would have been earned or incurred, plus continuing normal operating expenses incurred, including payroll, and states that for manufacturing risks Net Income includes the net sales value of production.", "sourceId": "iso-cp-00-30-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-30-10-12#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-30-10-12#c3", "checksum": "a2e04edc52fb", "text": "The form states that the insurer will pay for the actual loss of Business Income the insured sustains due to the necessary suspension of its operations during the period of restoration, and that the suspension must be caused by direct physical loss of or damage to property at premises described in the Declarations for which a Business Income Limit Of Insurance is shown, with the loss or damage caused by or resulting from a Covered Cause of Loss.", "sourceId": "iso-cp-00-30-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-30-10-12#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-30-10-12#c4", "checksum": "917376aee7ed", "text": "Extra Expense means necessary expenses the insured incurs during the period of restoration that it would not have incurred if there had been no direct physical loss or damage to property caused by or resulting from a Covered Cause of Loss.", "sourceId": "iso-cp-00-30-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-30-10-12#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-30-10-12#c5", "checksum": "84e5c2e48abc", "text": "Period of restoration begins 72 hours after the time of direct physical loss or damage for Business Income Coverage and immediately after the time of direct physical loss or damage for Extra Expense Coverage.", "sourceId": "iso-cp-00-30-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-30-10-12#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-30-10-12#c6", "checksum": "05cd43606fb9", "text": "Period of restoration ends on the earlier of the date when the property at the described premises should be repaired, rebuilt or replaced with reasonable speed and similar quality, or the date when business is resumed at a new permanent location.", "sourceId": "iso-cp-00-30-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-30-10-12#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-30-10-12#c7", "checksum": "987f60d042a3", "text": "Period of restoration does not include any increased period required due to the enforcement of or compliance with any ordinance or law that regulates the construction, use or repair, or requires the tearing down, of any property.", "sourceId": "iso-cp-00-30-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-30-10-12#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-30-10-12#c8", "checksum": "a572d3d9ddb4", "text": "Suspension means the slowdown or cessation of the insured's business activities, or that a part or all of the described premises is rendered untenantable, where Rental Value coverage applies.", "sourceId": "iso-cp-00-30-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-30-10-12#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-30-10-12#c9", "checksum": "e387fcb30634", "text": "The form contains its own Coinsurance Additional Condition, which applies if a coinsurance percentage is shown in the Declarations and measures adequacy against the coinsurance percentage times the sum of Net Income and operating expenses including payroll that would have been earned or incurred for the 12 months following the inception or last previous anniversary date of the policy, whichever is later.", "sourceId": "iso-cp-00-30-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-30-10-12#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-30-10-12#c10", "checksum": "b7435a021ce1", "text": "The Business Income coinsurance calculation multiplies that 12-month net income and operating expense figure by the coinsurance percentage, divides the Limit of Insurance by that figure, and multiplies the total amount of loss by the resulting figure, paying the lesser of that result or the limit of insurance.", "sourceId": "iso-cp-00-30-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-30-10-12#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-30-10-12#c11", "checksum": "13dd0cdd2169", "text": "The form's Optional Coverages are Maximum Period Of Indemnity, Monthly Limit Of Indemnity, Business Income Agreed Value, and Extended Period Of Indemnity.", "sourceId": "iso-cp-00-30-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-30-10-12#c12", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-30-10-12#c12", "checksum": "502718deeda9", "text": "The Maximum Period Of Indemnity and Monthly Limit Of Indemnity Optional Coverages each state that the Additional Condition, Coinsurance, does not apply.", "sourceId": "iso-cp-00-30-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-00-30-10-12#c13", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-00-30-10-12#c13", "checksum": "87041e942bd0", "text": "Business Income coverage may be written as Business Income Including Rental Value, or as Rental Value only, depending on which option is selected in the Declarations.", "sourceId": "iso-cp-00-30-10-12", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c1", "checksum": "69a0fe9433ae", "text": "CP 10 30 09 17 is the Causes Of Loss - Special Form, and it states that when Special is shown in the Declarations, Covered Causes of Loss means direct physical loss unless the loss is excluded or limited in the policy.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c2", "checksum": "213905c070dc", "text": "The form is organized into sections A through G: A. Covered Causes Of Loss; B. Exclusions; C. Limitations; D. Additional Coverage - Collapse; E. Additional Coverage - Limited Coverage For Fungus, Wet Rot, Dry Rot And Bacteria; F. Additional Coverage Extensions; and G. Definitions.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c3", "checksum": "38d0096e2f0a", "text": "The section B.1 exclusions are lettered a. through h.: Ordinance Or Law; Earth Movement; Governmental Action; Nuclear Hazard; Utility Services; War And Military Action; Water; and Fungus, Wet Rot, Dry Rot And Bacteria.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c4", "checksum": "67247c3d2f26", "text": "The section B.1 exclusions are introduced by language stating that the insurer will not pay for loss or damage caused directly or indirectly by any of the listed causes, and that such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c5", "checksum": "268c3b1e54be", "text": "Exclusion B.1.b Earth Movement lists earthquake including tremors and aftershocks and any related earth sinking, rising or shifting; landslide including any related earth sinking, rising or shifting; mine subsidence, meaning subsidence of a man-made mine; earth sinking other than sinkhole collapse, rising or shifting, including soil conditions that cause settling, cracking or other disarrangement of foundations or other parts of realty; and, separately at b.(5), volcanic eruption, explosion or effusion. The words other than sinkhole collapse are part of b.(4), and sinkhole collapse is one of the specified causes of loss defined at G.2 of this form.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c6", "checksum": "9e09342b14e6", "text": "The form states that if Earth Movement as described in b.(1) through (4) results in fire or explosion, the insurer will pay for the loss or damage caused by that fire or explosion.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c7", "checksum": "0722a79b6dd4", "text": "The form separately states that if volcanic eruption, explosion or effusion results in fire, building glass breakage or Volcanic Action, the insurer will pay for the loss or damage caused by that fire, building glass breakage or Volcanic Action, and defines Volcanic Action as direct loss or damage resulting from the eruption of a volcano when caused by airborne volcanic blast or airborne shock waves, ash, dust or particulate matter, or lava flow, with all volcanic eruptions within any 168-hour period constituting a single occurrence, and states that Volcanic Action does not include the cost to remove ash, dust or particulate matter that does not cause direct physical loss or damage to the described property.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c8", "checksum": "48141e5722a3", "text": "Exclusion B.1.b closes with a statement that the exclusion applies regardless of whether any of the causes in Paragraphs (1) through (5) is caused by an act of nature or is otherwise caused.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c9", "checksum": "e9886f8f2730", "text": "Exclusion B.1.c Governmental Action excludes seizure or destruction of property by order of governmental authority, but states that the insurer will pay for loss or damage caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread, if the fire would be covered under the Coverage Part.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c10", "checksum": "68048fc5c8f9", "text": "Exclusion B.1.d Nuclear Hazard excludes nuclear reaction or radiation, or radioactive contamination, however caused, but states that if any of those results in fire, the insurer will pay for the loss or damage caused by that fire.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c11", "checksum": "c9405197e4f7", "text": "The form states that Exclusions B.1.a. through B.1.h. apply whether or not the loss event results in widespread damage or affects a substantial area.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c12", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c12", "checksum": "431ca9a3961b", "text": "Exclusion B.1.a Ordinance Or Law excludes the enforcement of or compliance with any ordinance or law regulating the construction, use or repair of any property, or requiring the tearing down of any property including the cost of removing its debris, and states that it applies whether the loss results from an ordinance enforced even if the property has not been damaged or from increased costs incurred to comply with an ordinance in the course of construction, repair, renovation, remodeling or demolition of property or removal of its debris following a physical loss.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c13", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c13", "checksum": "898b7c6772f0", "text": "Exclusion B.1.e Utility Services excludes the failure of power, communication, water or other utility service supplied to the described premises, however caused, where the failure originates away from the described premises or originates at the premises but involves equipment used to supply the utility service from a source away from the premises, and also excludes loss caused by a surge of power that would not have occurred but for an event causing a failure of power, with a stated exception where the failure or surge results in a Covered Cause of Loss. The form adds that failure of any utility service includes lack of sufficient capacity and reduction in supply, and that communication services include but are not limited to service relating to Internet access or access to any electronic, cellular or satellite network.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c14", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c14", "checksum": "520691e3ac23", "text": "Of exclusions B.1.c through B.1.f, three carry a stated exception in the form text: Governmental Action at B.1.c, Nuclear Hazard at B.1.d and Utility Services at B.1.e. Exclusion B.1.f War And Military Action, which lists war including undeclared or civil war, warlike action by a military force, and insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these, carries no stated exception in this form.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c15", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c15", "checksum": "0c9eada9ddd6", "text": "Exclusion B.1.g Water excludes flood, surface water, waves including tidal wave and tsunami, tides, tidal water, overflow of any body of water, or spray from any of these, whether or not driven by wind including storm surge; mudslide or mudflow; water that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump or related equipment; water under the ground surface pressing on or flowing or seeping through foundations, walls, floors, paved surfaces, basements, doors, windows or other openings; and waterborne material carried or moved by that water or by mudslide or mudflow. The form states the exclusion applies regardless of whether any of Paragraphs (1) through (5) is caused by an act of nature or is otherwise caused, and gives the failure of a dam, levee, seawall or other boundary or containment system as an example. Its exception reads that if any of Paragraphs (1) through (5) results in fire, explosion or sprinkler leakage, the insurer will pay for the loss or damage caused by that fire, explosion or sprinkler leakage, followed by the parenthetical qualifier if sprinkler leakage is a Covered Cause of Loss.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c16", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c16", "checksum": "cb21a982a9d1", "text": "Exclusion B.1.h excludes presence, growth, proliferation, spread or any activity of fungus, wet or dry rot or bacteria, states that if those result in a specified cause of loss the insurer will pay for the loss caused by that specified cause of loss, and states that the exclusion does not apply where the fungus, wet or dry rot or bacteria result from fire or lightning, or to the extent coverage is provided in the Additional Coverage at section E with respect to loss or damage by a cause of loss other than fire or lightning.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c17", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c17", "checksum": "a89a98cba81f", "text": "Exclusion B.2.d runs d.(1) through d.(7): (1) wear and tear; (2) rust or other corrosion, decay, deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself; (3) smog; (4) settling, cracking, shrinking or expansion; (5) nesting or infestation, or discharge or release of waste products or secretions, by insects, birds, rodents or other animals; (6) mechanical breakdown, including rupture or bursting caused by centrifugal force; and (7) dampness or dryness of atmosphere, changes in or extremes of temperature, and marring or scratching, each stated as causes of loss to personal property.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c18", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c18", "checksum": "e937f110bcdc", "text": "Exclusion B.2.d.(6) states that if mechanical breakdown results in elevator collision, the insurer will pay for the loss or damage caused by that elevator collision.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c19", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c19", "checksum": "9ce86428cc03", "text": "Paragraph B.2.d closes with a general exception: if an excluded cause of loss listed in 2.d.(1) through (7) results in a specified cause of loss or building glass breakage, the insurer will pay for the loss or damage caused by that specified cause of loss or building glass breakage.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c20", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c20", "checksum": "09dc201b466d", "text": "Exclusion B.2.h excludes dishonest or criminal act, including theft, by the named insured, its partners, members, officers, managers, employees including temporary employees and leased workers, directors, trustees or authorized representatives, whether acting alone or in collusion with each other or with any other party, and separately excludes theft by any person to whom the insured entrusts the property for any purpose, whether acting alone or in collusion with any other party.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c21", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c21", "checksum": "84790f2f2661", "text": "Exclusion B.2.h states that it applies whether or not an act occurs during the insured's normal hours of operation, and that it does not apply to acts of destruction by the insured's employees, including temporary employees and leased workers, or authorized representatives, but that theft by those same people is not covered.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c22", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c22", "checksum": "2a12f82935d2", "text": "Exclusion B.2.m excludes neglect of an insured to use all reasonable means to save and preserve property from further damage at and after the time of loss.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c23", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c23", "checksum": "ff0a54239d28", "text": "Section B.3 excludes weather conditions where they contribute in any way with a cause or event excluded in Paragraph B.1 to produce the loss; acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body; and faulty, inadequate or defective planning, zoning, development, surveying, siting, design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction, materials used in repair, construction, renovation or remodeling, or maintenance. Section B.3 states that if an excluded cause of loss listed in 3.a. through 3.c. results in a Covered Cause of Loss, the insurer will pay for the loss or damage caused by that Covered Cause of Loss.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c24", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c24", "checksum": "24932efd7a40", "text": "Section D Additional Coverage - Collapse states that the coverage applies only to an abrupt collapse as described and limited in D.1 through D.7, and that it will not increase the Limits of Insurance provided in the Coverage Part.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c25", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c25", "checksum": "732dec4c6e59", "text": "Section E Additional Coverage - Limited Coverage For Fungus, Wet Rot, Dry Rot And Bacteria applies only where the fungus, wet or dry rot or bacteria result from a specified cause of loss other than fire or lightning, or from flood if the Flood Coverage Endorsement applies to the affected premises, occurring during the policy period, and only if all reasonable means were used to save and preserve the property from further damage at the time of and after that occurrence. The coverage described at E.2 is limited to $15,000 as the most the insurer will pay for the total of all such loss or damage taking place in a 12-month period, and the Limited Coverage does not increase the applicable Limit of Insurance on any Covered Property.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c26", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c26", "checksum": "4973bd9d8831", "text": "Section F Additional Coverage Extensions of this form are 1. Property In Transit, 2. Water Damage, Other Liquids, Powder Or Molten Material Damage, and 3. Glass.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-cp-10-30-09-17#c27", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cp-10-30-09-17#c27", "checksum": "993d04facb24", "text": "Section G Definitions of this form contains exactly two defined terms: 1. Fungus and 2. Specified causes of loss. There is no defined term Water in this form, and water damage is defined only inside the Specified causes of loss definition at G.2.c. Volcanic Action is defined in the body of exclusion B.1.b rather than in Section G.", "sourceId": "iso-cp-10-30-09-17", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/commercial-property" ] }, { "claimId": "iso-dp-00-03-12-02-nv#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-dp-00-03-12-02-nv#c1", "checksum": "1bacdcd3192d", "text": "This DP 00 03 12 02 document defines \"Described Location\" as \"the one to four family dwelling including structures attached to it, separate structures, and grounds, shown in the Declarations used principally for dwelling purposes.\" The definition contains no requirement that the named insured reside at the location.", "sourceId": "iso-dp-00-03-12-02-nv", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners" ] }, { "claimId": "iso-dp-00-03-12-02-nv#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-dp-00-03-12-02-nv#c2", "checksum": "1059e6689c75", "text": "The property coverages in this DP 00 03 12 02 document are Coverage A Dwelling, Coverage B Other Structures, Coverage C Personal Property and Coverage D Fair Rental Value.", "sourceId": "iso-dp-00-03-12-02-nv", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners" ] }, { "claimId": "iso-dp-00-03-12-02-nv#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-dp-00-03-12-02-nv#c3", "checksum": "d7115fe51bf1", "text": "Coverage D.1 of this DP 00 03 12 02 document reads: \"If a loss to property described in Coverage A, B or C by a Peril Insured Against under this policy makes that part of the 'Described Location' rented to others or held for rental by you unfit for its normal use, we cover the fair rental value of that part of the 'Described Location' rented to others or held for rental by you less any expenses that do not continue while that part of the 'Described Location' rented or held for rental is not fit to live in.\" Payment is for the shortest time required to repair or replace that part.", "sourceId": "iso-dp-00-03-12-02-nv", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners" ] }, { "claimId": "iso-dp-00-03-12-02-nv#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-dp-00-03-12-02-nv#c4", "checksum": "8f1e3d278ded", "text": "Coverage D.2 of this DP 00 03 12 02 document states that if a civil authority prohibits you from use of the \"Described Location\" as a result of direct damage to a neighboring location by a Peril Insured Against in the policy, \"we cover the Fair Rental Value loss for no more than two weeks.\"", "sourceId": "iso-dp-00-03-12-02-nv", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners" ] }, { "claimId": "iso-dp-00-03-12-02-nv#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-dp-00-03-12-02-nv#c5", "checksum": "738031a37e76", "text": "Coverage D.4 of this DP 00 03 12 02 document states: \"We do not cover loss or expense due to cancellation of a lease or agreement.\"", "sourceId": "iso-dp-00-03-12-02-nv", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners" ] }, { "claimId": "iso-dp-00-03-12-02-nv#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-dp-00-03-12-02-nv#c6", "checksum": "2a638a9f2ff3", "text": "Coverage B of this DP 00 03 12 02 document excludes other structures rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage.", "sourceId": "iso-dp-00-03-12-02-nv", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners" ] }, { "claimId": "iso-dp-00-03-12-02-nv#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-dp-00-03-12-02-nv#c7", "checksum": "0448bb9d1190", "text": "This DP 00 03 12 02 document is headed \"SECTION I\" and contains only property coverages, perils insured against, exclusions and Section I conditions. A case-insensitive search of the full 13-page extracted text for \"Section II\", \"personal liability\", \"medical payments\", \"Coverage L\", \"Coverage M\" and \"bodily injury\" returns no coverage provisions. This is a statement about what is inside this one document; it is not evidence about what other forms a carrier may attach to the same policy.", "sourceId": "iso-dp-00-03-12-02-nv", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners" ] }, { "claimId": "iso-dp-00-03-12-02-nv#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-dp-00-03-12-02-nv#c8", "checksum": "d851078a9ae2", "text": "This DP 00 03 12 02 document excludes vandalism and malicious mischief, theft or attempted theft, and any ensuing loss caused by any intentional and wrongful act committed in the course of them, \"if the dwelling has been vacant for more than 60 consecutive days immediately before the loss. A dwelling being constructed is not considered vacant.\"", "sourceId": "iso-dp-00-03-12-02-nv", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners" ] }, { "claimId": "iso-dp-00-03-12-02-nv#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-dp-00-03-12-02-nv#c9", "checksum": "d3d2d05d991f", "text": "This DP 00 03 12 02 document contains a Condition C. Concealment Or Fraud withdrawing coverage where a person insured has intentionally concealed or misrepresented a material fact, engaged in fraudulent conduct, or made false statements relating to the insurance.", "sourceId": "iso-dp-00-03-12-02-nv", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners" ] }, { "claimId": "iso-ho-00-03-05-11-nv-doi#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ho-00-03-05-11-nv-doi#c1", "checksum": "926afef774e5", "text": "The HO 00 03 05 11 form defines \"residence premises\" as: a. the one-family dwelling where you reside; b. the two-, three- or four-family dwelling where you reside in at least one of the family units; or c. that part of any other building where you reside, and which is shown as the \"residence premises\" in the Declarations. It adds that \"residence premises\" also includes other structures and grounds at that location.", "sourceId": "iso-ho-00-03-05-11-nv-doi", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "iso-ho-00-03-05-11-nv-doi#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ho-00-03-05-11-nv-doi#c2", "checksum": "86b89b74867c", "text": "Coverage D.2 Fair Rental Value of the HO 00 03 05 11 form reads: \"If a loss covered under Section I makes that part of the 'residence premises' rented to others or held for rental by you not fit to live in, we cover the fair rental value of such premises less any expenses that do not continue while it is not fit to live in.\" Payment is for the shortest time required to repair or replace such premises.", "sourceId": "iso-ho-00-03-05-11-nv-doi", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "iso-ho-00-03-05-11-nv-doi#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ho-00-03-05-11-nv-doi#c3", "checksum": "18d406401a55", "text": "Additional Coverage E.10 Landlord's Furnishings of the HO 00 03 05 11 form reads: \"We will pay up to $2,500 for your appliances, carpeting and other household furnishings, in each apartment on the 'residence premises' regularly rented or held for rental to others by an 'insured', for loss caused by a Peril Insured Against in Coverage C, other than Theft.\"", "sourceId": "iso-ho-00-03-05-11-nv-doi", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "iso-ho-00-03-05-11-nv-doi#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ho-00-03-05-11-nv-doi#c4", "checksum": "738b8aefc9ea", "text": "Coverage B of the HO 00 03 05 11 form does not cover \"other structures rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage.\"", "sourceId": "iso-ho-00-03-05-11-nv-doi", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "iso-ho-00-03-05-11-nv-doi#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ho-00-03-05-11-nv-doi#c5", "checksum": "e6b8c78a3807", "text": "Coverage C of the HO 00 03 05 11 form does not cover \"property in an apartment regularly rented or held for rental to others by an 'insured', except as provided in E.10. Landlord's Furnishings\", and does not cover \"property rented or held for rental to others off the 'residence premises'.\"", "sourceId": "iso-ho-00-03-05-11-nv-doi", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "iso-ho-00-03-05-11-nv-doi#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ho-00-03-05-11-nv-doi#c6", "checksum": "aaf1edf6ddfa", "text": "The HO 00 03 05 11 form defines \"business\" to include \"a trade, profession or occupation engaged in on a full-time, part-time or occasional basis\" and \"any other activity engaged in for money or other compensation,\" excepting one or more activities for which no insured receives more than $2,000 in total compensation for the 12 months before the beginning of the policy period.", "sourceId": "iso-ho-00-03-05-11-nv-doi", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "iso-ho-00-03-05-11-nv-doi#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ho-00-03-05-11-nv-doi#c7", "checksum": "55237d313dee", "text": "Section II Exclusion E.2. of the HO 00 03 05 11 form states that the exclusion does not apply to the rental or holding for rental of an \"insured location\" (a) on an occasional basis if used only as a residence; (b) in part for use only as a residence, unless a single-family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (c) in part, as an office, school, studio or private garage.", "sourceId": "iso-ho-00-03-05-11-nv-doi", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "iso-ho-00-03-05-11-nv-doi#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ho-00-03-05-11-nv-doi#c8", "checksum": "7c1ff98ba2b5", "text": "The HO 00 03 05 11 form excludes vandalism and malicious mischief, and any ensuing loss caused by any intentional and wrongful act committed in the course of the vandalism or malicious mischief, \"if the dwelling has been vacant for more than 60 consecutive days immediately before the loss. A dwelling being constructed is not considered vacant.\"", "sourceId": "iso-ho-00-03-05-11-nv-doi", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "iso-ho-00-03-05-11-nv-doi#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ho-00-03-05-11-nv-doi#c9", "checksum": "5ca27d7f8577", "text": "The glass or safety glazing material Additional Coverage of the HO 00 03 05 11 form does not include loss on the \"residence premises\" if the dwelling has been vacant for more than 60 consecutive days immediately before the loss, except where the breakage results directly from earth movement.", "sourceId": "iso-ho-00-03-05-11-nv-doi", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "iso-ho-00-03-05-11-nv-doi#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ho-00-03-05-11-nv-doi#c10", "checksum": "a451f3ef3bc2", "text": "Section I Condition R. Concealment Or Fraud of the HO 00 03 05 11 form states: \"We provide coverage to no 'insureds' under this policy if, whether before or after a loss, an 'insured' has: 1. Intentionally concealed or misrepresented any material fact or circumstance; 2. Engaged in fraudulent conduct; or 3. Made false statements; relating to this insurance.\"", "sourceId": "iso-ho-00-03-05-11-nv-doi", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "iso-ho-00-06-05-11-me-bureau#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ho-00-06-05-11-me-bureau#c1", "checksum": "f0e098ac8b6e", "text": "The HO 00 06 05 11 form defines \"residence premises\" as \"the unit where you reside shown as the 'residence premises' in the Declarations.\"", "sourceId": "iso-ho-00-06-05-11-me-bureau", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "iso-ho-00-06-05-11-me-bureau#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ho-00-06-05-11-me-bureau#c2", "checksum": "152536993f98", "text": "Coverage D.2 Fair Rental Value of the HO 00 06 05 11 form reads: \"If a loss covered under Section I makes that part of the 'residence premises' rented to others or held for rental by you not fit to live in, we cover the fair rental value of such premises less any expenses that do not continue while it is not fit to live in.\" Payment is for the shortest time required to repair or replace such premises.", "sourceId": "iso-ho-00-06-05-11-me-bureau", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "iso-ho-00-06-05-11-me-bureau#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ho-00-06-05-11-me-bureau#c3", "checksum": "47f6bf626d20", "text": "Coverage A of the HO 00 06 05 11 form is headed \"Coverage A - Dwelling\" and covers: the alterations, appliances, fixtures and improvements which are part of the building contained within the \"residence premises\"; items of real property which pertain exclusively to the \"residence premises\"; property which is your insurance responsibility under a corporation or association of property owners agreement; and structures owned solely by you, other than the \"residence premises\", at the location of the \"residence premises\".", "sourceId": "iso-ho-00-06-05-11-me-bureau", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position", "https://bestinsuranceresearch.com/tools/earthquake-pathways" ] }, { "claimId": "kingcounty-insurance-requirements#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/kingcounty-insurance-requirements#c1", "checksum": "80167d9058d7", "text": "The page requires commercial general liability 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"https://bestinsuranceresearch.com/sources/naic-consumer-homeowners#c7", "checksum": "ba7f0d37bea1", "text": "The page lists as not covered by standard policies: flood, earthquakes, mold, infestations, home office, certain pets, jewelry and art and heirlooms, and detached buildings or pools.", "sourceId": "naic-consumer-homeowners", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "naic-consumer-homeowners#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-consumer-homeowners#c8", "checksum": "05ee63b04691", "text": "The deductible is the amount the insured has to pay out of pocket on each claim and applies only to coverage on the house and personal property, and the insured's choice of a higher deductible will reduce the price for homeowners insurance.", "sourceId": "naic-consumer-homeowners", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "naic-consumer-homeowners#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-consumer-homeowners#c9", "checksum": "aee7c0e1599d", "text": "Replacement cost is the amount it would take to replace or rebuild the home or repair damages with materials of similar kind and quality, without deducting for depreciation, while actual cash value is the amount it would take to repair or replace damage after depreciation.", "sourceId": "naic-consumer-homeowners", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "naic-consumer-homeowners#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-consumer-homeowners#c10", "checksum": "a8db20c46ca0", "text": "Older homes may not qualify for preferred programs, and insurers may require older homes to have updated heating, plumbing, wiring and roofing.", "sourceId": "naic-consumer-homeowners", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "naic-contact#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-contact#c1", "checksum": "44031f239204", "text": "NAIC publishes a general inquiries telephone number of (816) 783-8500 and a general inquiries email of help@naic.org.", "sourceId": "naic-contact", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/naic" ] }, { "claimId": "naic-contact#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-contact#c2", "checksum": 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"https://bestinsuranceresearch.com/companies/naic" ] }, { "claimId": "naic-homeowners#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c1", "checksum": "6a4a2fb1c888", "text": "NAIC states that coverage can be for all perils, except those explicitly excluded, or for just those perils specifically named in the policy.", "sourceId": "naic-homeowners", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "naic-homeowners#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c2", "checksum": "95a4b4df97c8", "text": "NAIC states that the limits of coverage for the other coverages are typically calculated as percentages of the dwelling limit.", "sourceId": "naic-homeowners", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "naic-homeowners#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c3", "checksum": "8313d79d191d", "text": "NAIC's page states that all homeowners insurance policies cover the structure of the home, including attached structures, fixtures and built-in appliances, and that most policies also cover home contents and personal liability for covered accidents. This is NAIC's general description of the market, not a reading of any particular filed form.", "sourceId": "naic-homeowners", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "naic-homeowners#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c4", "checksum": "8002b56edbf8", "text": "NAIC states that a home can be insured based on replacement cost, meaning the cost to rebuild, or on actual cash value.", "sourceId": "naic-homeowners", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "naic-homeowners#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c5", "checksum": "be4a45b0f16a", "text": "NAIC states that separate policies for flood or earthquake coverage also may be purchased by those in areas prone to these perils.", "sourceId": "naic-homeowners", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "naic-homeowners#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c6", "checksum": "ed11b497ef2e", "text": "NAIC lists optional add-ons including coverage for unattached structures, personal property, medical payments, additional living expenses, sewer backup, and umbrella liability.", "sourceId": "naic-homeowners", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "naic-homeowners#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c7", "checksum": "888eed70ba89", "text": "NAIC states that the lower the deductible amount, the higher the policy premium.", "sourceId": "naic-homeowners", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "naic-homeowners#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c8", "checksum": "7eaf5b807642", "text": "NAIC publishes A Consumer's Guide to Home Insurance and a home inventory app.", "sourceId": "naic-homeowners", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/tools/renewal-readiness", "https://bestinsuranceresearch.com/tools/policy-comparison", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "naic-medical-malpractice#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-medical-malpractice#c1", "checksum": "d0bed9809b9d", "text": "NAIC states that many insurers write on a claims-made form basis, where a policy in effect at the time a claim is reported responds for the loss, while the policy remains in force and during any applicable extended reporting period.", "sourceId": "naic-medical-malpractice", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection" ] }, { "claimId": "naic-medical-malpractice#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-medical-malpractice#c2", "checksum": "ba4141fd39df", "text": "NAIC states that an occurrence policy covers a loss that occurs during the policy period, regardless of when the claim was made, and even after the policy has been canceled.", "sourceId": "naic-medical-malpractice", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/same-limit-different-protection" ] }, { "claimId": "naic-model-701-nationwide-inland-marine-definition#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-model-701-nationwide-inland-marine-definition#c1", "checksum": "8ba6b564d2a8", "text": "The instrument is titled NATIONWIDE INLAND MARINE DEFINITION and is designated MO-701 in the NAIC Model Laws, Regulations, Guidelines and Other Resources compilation, with a July 1996 header and a 1996 NAIC copyright line.", "sourceId": "naic-model-701-nationwide-inland-marine-definition", "reliedOnBy": [ 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"checksum": "1d05f7a1d6cd", "text": "Section 1 states that the instrument shall not be construed to mean that the kinds of risks and coverages are solely marine, inland marine or transportation insurance in all instances.", "sourceId": "naic-model-701-nationwide-inland-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/examples/fine-arts-floater-is-a-classification-question", "https://bestinsuranceresearch.com/tools/valuables-schedule" ] }, { "claimId": "naic-model-701-nationwide-inland-marine-definition#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-model-701-nationwide-inland-marine-definition#c5", "checksum": "b4060b141e1c", "text": "Section 1 states that the instrument shall not be construed to restrict or limit in any way the exercise of any insuring powers granted under charters and license.", "sourceId": "naic-model-701-nationwide-inland-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/examples/fine-arts-floater-is-a-classification-question", "https://bestinsuranceresearch.com/tools/valuables-schedule" ] }, { "claimId": "naic-model-701-nationwide-inland-marine-definition#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-model-701-nationwide-inland-marine-definition#c6", "checksum": "54a4ec4c8741", "text": "Section 2 opens with the words that marine or transportation policies may cover under the following conditions, and organizes the conditions into six lettered groups: A. Imports, B. Exports, C. Domestic Shipments, D. Bridges, Tunnels and Other Instrumentalities of Transportation and Communication, E. Personal Property Floater Risk covering individuals and/or generally, and F. 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power transmission and telephone and telegraph lines, excluding property at generating, converting or transforming stations, substations and exchanges; radio and television communication equipment in use as such including towers and antennae; and outdoor cranes, loading bridges and similar equipment used to load, unload and transport.", "sourceId": "naic-model-701-nationwide-inland-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/examples/fine-arts-floater-is-a-classification-question", "https://bestinsuranceresearch.com/tools/valuables-schedule" ] }, { "claimId": "naic-model-701-nationwide-inland-marine-definition#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-model-701-nationwide-inland-marine-definition#c8", "checksum": "3a025fc6e247", "text": "Group E lists thirteen personal property floater items, including Personal Effects Floater Policies, the Personal Property Floater, Government Service Floaters, Personal Fur Floaters, Personal Jewelry Floaters, Wedding Present Floaters for not exceeding ninety days after the date of the wedding, Silverware Floaters, Fine Arts Floaters at E.8, Stamp and Coin Floaters, Musical Instrument Floaters, Mobile Articles Machinery and Equipment Floaters at E.11, Installment Sales and Leased Property Policies, and Live Animal Floaters.", "sourceId": "naic-model-701-nationwide-inland-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/examples/fine-arts-floater-is-a-classification-question", "https://bestinsuranceresearch.com/tools/valuables-schedule" ] }, { "claimId": "naic-model-701-nationwide-inland-marine-definition#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-model-701-nationwide-inland-marine-definition#c9", "checksum": "20210d9d91e1", "text": "Section 2.F.9 permits Builders Risks or Installation Risks covering the interest of owner, seller or contractor against loss or damage to machinery, equipment, building materials or supplies being used with and during the course of installation, testing, building, renovating or repairing, and permits the policies to cover at points or places where work is being performed, while in transit, and during temporary storage or deposit of property designated for and awaiting specific installation, building, renovating or repairing.", "sourceId": "naic-model-701-nationwide-inland-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/examples/fine-arts-floater-is-a-classification-question", "https://bestinsuranceresearch.com/tools/valuables-schedule" ] }, { "claimId": "naic-model-701-nationwide-inland-marine-definition#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-model-701-nationwide-inland-marine-definition#c10", "checksum": "3b4dcc795813", "text": "Section 2.F.9 further states that coverage shall be limited to Builders Risks or Installation Risks where perils in addition to Fire and Extended Coverage are to be insured.", "sourceId": "naic-model-701-nationwide-inland-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/examples/fine-arts-floater-is-a-classification-question", "https://bestinsuranceresearch.com/tools/valuables-schedule" ] }, { "claimId": "naic-model-701-nationwide-inland-marine-definition#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-model-701-nationwide-inland-marine-definition#c11", "checksum": "ba4891102147", "text": "Section 2.F.9 provides that if written for account of owner the coverage shall cease upon completion and acceptance, and that if written for account of a seller or contractor the coverage shall terminate when the interest of the seller or contractor ceases.", "sourceId": "naic-model-701-nationwide-inland-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/examples/fine-arts-floater-is-a-classification-question", "https://bestinsuranceresearch.com/tools/valuables-schedule" ] }, { "claimId": "naic-model-701-nationwide-inland-marine-definition#c12", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-model-701-nationwide-inland-marine-definition#c12", "checksum": "fd02246ce0c6", "text": "Section 2.F.10 permits Mobile Articles, Machinery and Equipment Floaters covering identified property of a mobile or floating nature, not on sale or consignment, or in course of manufacture, which has come into the custody or control of parties who intend to use the property for that for which it was manufactured or created. The item excludes motor vehicles designed for highway use, auto homes, trailers and semi-trailers except when hauled by tractors not designed for highway use, and snow plows constructed exclusively for highway use, and states that the policies shall not cover furniture and fixtures not customarily used away from premises where the property is usually kept.", "sourceId": "naic-model-701-nationwide-inland-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/examples/fine-arts-floater-is-a-classification-question", "https://bestinsuranceresearch.com/tools/valuables-schedule" ] }, { "claimId": "naic-model-701-nationwide-inland-marine-definition#c13", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-model-701-nationwide-inland-marine-definition#c13", "checksum": "dcfa557b565f", "text": "Section 2.F.11 permits coverage of property in transit to or from and in the custody of bailees not owned, controlled or operated by the bailor, and states that the policies shall not cover the bailee's property at his or her premises.", "sourceId": "naic-model-701-nationwide-inland-marine-definition", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses", "https://bestinsuranceresearch.com/examples/fine-arts-floater-is-a-classification-question", "https://bestinsuranceresearch.com/tools/valuables-schedule" ] }, { "claimId": "naic-model-701-nationwide-inland-marine-definition#c14", "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-model-701-nationwide-inland-marine-definition#c14", "checksum": "0594eb0ca369", "text": "Section 2.F.15 permits Accounts Receivable Policies and Valuable Papers and Records Policies. Section 2.F.18 permits Fine Arts Policies covering paintings, etchings, pictures, tapestries, art glass windows and other bona fide works of art of rarity, historical value or artistic merit, for account of museums, galleries, universities, businesses, municipalities and other similar interests. 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"claimId": "ny-11-nycrr-73-1#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-1#c4", "checksum": "4c6670c0b8e4", "text": "Defines extended reporting period coverage (tail coverage) as coverage for that period of time specified in the policy wherein claims first made after termination of coverage under the policy, for injury or damage that occurs during the policy term or that occurs on or after the retroactive date, if any, will be considered made during the policy term.", "sourceId": "ny-11-nycrr-73-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-1#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-1#c5", "checksum": "ae0c2f468b12", "text": "Defines the claims-made relationship as the period between the effective date of the first claims-made policy between the insurer and the insured and the cancellation or nonrenewal of the last consecutive claims-made policy between such parties, where there has been no gap in coverage, and states that it does not include any period covered by extended reporting period coverage.", "sourceId": "ny-11-nycrr-73-1", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-2#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-2#c1", "checksum": "2db5cebd7754", "text": "Enumerates the coverages for which claims-made policies may be written in New York, which include completed operations liability, directors and officers liability, employee benefits liability, errors and omissions liability, excess liability, fiduciary liability, pollution and environmental impairment liability, public entity liability, products liability, professional liability including medical malpractice liability, ski resort liability, employment practices liability, and risks specified in paragraph (d)(1).", "sourceId": "ny-11-nycrr-73-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-2#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-2#c2", "checksum": "4a2d85a782dc", "text": "Provides that claims-made coverage shall not be permitted for motor vehicle liability, or for any liability risk or coverage subject to section 3425 of the Insurance Law.", "sourceId": "ny-11-nycrr-73-2", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-3#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-3#c1", "checksum": "24b745ccf520", "text": "Provides in subdivision (b) that a retroactive date may not be changed during the term of the claims-made relationship and any extended reporting period.", "sourceId": "ny-11-nycrr-73-3", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-3#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-3#c2", "checksum": "4c1ec33dfc0f", "text": "Requires in subdivision (d) that upon termination of coverage a 60-day automatic extended reporting period, or 90 days in the case of public entity liability insurance policies, must be provided by the insurer.", "sourceId": "ny-11-nycrr-73-3", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-3#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-3#c3", "checksum": "4cf51e11fe90", "text": "Provides in subdivision (f) that, except as provided in subdivision (g) of the section and sections 73.4 and 73.5 of the Part, upon termination of coverage an insurer must offer the insured a three-year extended reporting period.", "sourceId": "ny-11-nycrr-73-3", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-3#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-3#c4", "checksum": "4e8117a0114c", "text": "Lists in subdivision (g) eight coverages for which the offer is a one-year extended reporting period rather than three years: (1) directors and officers liability, except not-for-profit organizations; (2) employee benefits liability; (3) fiduciary liability; (4) public entity liability; (5) pollution and environmental impairment liability; (6) ski resort liability subject to section 73.2(f); (7) employment practices liability; and (8) policies issued or renewed pursuant to section 73.2(d).", "sourceId": "ny-11-nycrr-73-3", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-3#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-3#c5", "checksum": "bbab2e9c27c7", "text": "Requires in subdivision (e)(1) that within 30 days after termination of coverage the insurer advise the insured in writing of the automatic extended reporting period coverage and of the availability of, the premium for, and the importance of purchasing additional extended reporting period coverage.", "sourceId": "ny-11-nycrr-73-3", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-3#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-3#c6", "checksum": "828c959551f9", "text": "Provides in subdivision (e)(2) that upon cancellation due to nonpayment of premium or fraud on the part of the insured, an insurer shall not be required to provide a premium quotation for extended reporting period coverage unless requested by the insured.", "sourceId": "ny-11-nycrr-73-3", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-3#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-3#c7", "checksum": "26c9e9652342", "text": "Provides in subdivision (e)(3) that the insured shall have the greater of 60 days from the effective date of termination of coverage or 30 days from the date of mailing or delivery of the advice required by paragraph (1) in which to submit written acceptance of extended reporting period coverage.", "sourceId": "ny-11-nycrr-73-3", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-3#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-3#c8", "checksum": "277d6f2b5994", "text": "Provides in subdivision (k) that where a claims-made relationship has continued for less than one year, subdivisions (e) through (h) and (j) of the section shall not apply upon termination of coverage for nonpayment of premium or fraud.", "sourceId": "ny-11-nycrr-73-3", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-7#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-7#c1", "checksum": "37ce988eabc6", "text": "Requires disclosure that the policy is, or identification of those portions of the policy that are, written on a claims-made basis.", "sourceId": "ny-11-nycrr-73-7", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-7#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-7#c2", "checksum": "8e025c2441f3", "text": "Requires disclosure that the policy provides no coverage for claims arising out of incidents, occurrences or alleged wrongful acts which took place prior to the retroactive date stated in the policy.", "sourceId": "ny-11-nycrr-73-7", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-7#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-7#c3", "checksum": "da3545939486", "text": "Requires disclosure of the length of any automatic or additional extended reporting period coverage and, unless that coverage is for an unlimited time period, a statement advising the insured specifically of potential coverage gaps that may arise upon expiration of the extended reporting period coverage.", "sourceId": "ny-11-nycrr-73-7", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-7#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-7#c4", "checksum": "fe4ae64a7804", "text": "Requires the declarations page, or an addendum to it, to state the premium that will be charged for each extended reporting period coverage option if the policy is terminated on the next anniversary date.", "sourceId": "ny-11-nycrr-73-7", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-11-nycrr-73-7#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-11-nycrr-73-7#c5", "checksum": "b464103ab754", "text": "Requires these disclosures to appear in the policy application and the declaration page, or addenda to them, and to be conspicuously displayed.", "sourceId": "ny-11-nycrr-73-7", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-dfs-circular-letter-22-2000#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000#c1", "checksum": "bba131615ceb", "text": "The circular letter is numbered 22, is dated August 11, 2000, is titled Marine and Inland Marine Insurance, and is addressed to insurers licensed to write marine insurance in New York.", "sourceId": "ny-dfs-circular-letter-22-2000", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "ny-dfs-circular-letter-22-2000#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000#c2", "checksum": "2751d92bbb76", "text": "It states that New York Insurance Law section 2310(b) exempts inland marine risks from the law's filing requirements if, by general custom of the business, the specific risks in question are not written according to manual rates and rating plans, unless the Superintendent directs that they be filed.", "sourceId": "ny-dfs-circular-letter-22-2000", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "ny-dfs-circular-letter-22-2000#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000#c3", "checksum": "5eaa135c831c", "text": "It states that rates, loss costs and forms promulgated by the principal rate organization, Insurance Services Office, for the various inland marine classes constitute the general custom of the business.", "sourceId": "ny-dfs-circular-letter-22-2000", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "ny-dfs-circular-letter-22-2000#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000#c4", "checksum": "ec1873b4dba1", "text": "It states that the Superintendent may direct that filings be submitted for review even where the custom of the business is that no filings be made for a particular inland marine class.", "sourceId": "ny-dfs-circular-letter-22-2000", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "ny-dfs-circular-letter-22-2000#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000#c5", "checksum": "a149929d96de", "text": "It states that New York adopted the 1976 NAIC nationwide marine definition with exceptions in four areas: Builders Risk and/or Installation Risks, Domestic Bulk Liquids, Difference in Conditions, and Electronic Data Processing, and gives substantive conditions for each exception rather than simply naming the classes.", "sourceId": "ny-dfs-circular-letter-22-2000", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "ny-dfs-circular-letter-22-2000#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000#c6", "checksum": "b5fd78b16499", "text": "It advises insurers that are uncertain about a classification to submit the matter for departmental review rather than assume inland marine treatment.", "sourceId": "ny-dfs-circular-letter-22-2000", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/inland-marine-uses" ] }, { "claimId": "ny-dfs-cl-1991-06#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-cl-1991-06#c1", "checksum": "16230cbe4b90", "text": "Replacement cost represents what it would take to rebuild the building at its present location, while market value includes non-insured elements of the property, such as land and foundation.", "sourceId": "ny-dfs-cl-1991-06", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value" ] }, { "claimId": "ny-dfs-cl-1991-06#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-cl-1991-06#c2", "checksum": "8bd706c66bc1", "text": "This New York circular letter states that claims settlement, coverage and, therefore, pricing should be predicated upon the dwelling's replacement cost, not the property's market value, mortgage, land, or foundation.", "sourceId": "ny-dfs-cl-1991-06", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value" ] }, { "claimId": "ny-dfs-ogc-02-10-24#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-ogc-02-10-24#c1", "checksum": "c750ef87f903", "text": "States that section 73.3(c)(1) of Regulation 121 requires that the extended reporting period coverage required by that Part be made available upon termination of claims-made coverage.", "sourceId": "ny-dfs-ogc-02-10-24", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-dfs-ogc-02-10-24#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-ogc-02-10-24#c2", "checksum": "1db34c20ecee", "text": "States that N.Y. Insurance Law section 3436(b)(1) provides tail coverage at no charge only where the insured retires permanently and totally from the practice of medicine and meets specified age and duration requirements.", "sourceId": "ny-dfs-ogc-02-10-24", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-dfs-ogc-02-10-24#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-ogc-02-10-24#c3", "checksum": "91e9ff882e9b", "text": "Concludes that a physician who retired from private practice but continued in full-time hospital practice had not retired permanently and totally from the practice of medicine and was therefore required to pay for tail coverage.", "sourceId": "ny-dfs-ogc-02-10-24", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date" ] }, { "claimId": "ny-dfs-ogc-03-07-35#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-ogc-03-07-35#c1", "checksum": "2ab2170f4c9d", "text": "States that a claims-made and reported policy requires that the claim and the reporting of the claim to the insurer both take place during the same policy term.", "sourceId": "ny-dfs-ogc-03-07-35", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ny-dfs-ogc-03-07-35#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-ogc-03-07-35#c2", "checksum": "c236d4b37621", "text": "States that authorized insurers are not permitted to write such policies chiefly because of the risk of gaps in coverage inherent in such policies.", "sourceId": "ny-dfs-ogc-03-07-35", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "ny-dfs-ogc-03-07-35#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-ogc-03-07-35#c3", "checksum": "7ef55b9d4413", "text": "Concludes that a claims-made and reported policy may not be issued in New York except by an unauthorized insurer through an excess line broker.", "sourceId": "ny-dfs-ogc-03-07-35", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "nydfs-approved-certificates#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/nydfs-approved-certificates#c1", "checksum": "96083d06b535", "text": "The form titled Certificate of Liability Insurance is ACORD 25.", "sourceId": "nydfs-approved-certificates", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "nydfs-approved-certificates#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/nydfs-approved-certificates#c2", "checksum": "f5804df18aa2", "text": "The form titled Certificate of Property Insurance is ACORD 24.", "sourceId": "nydfs-approved-certificates", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "nydfs-approved-certificates#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/nydfs-approved-certificates#c3", "checksum": "04e573b6ccb9", "text": "The form titled Evidence of Property Insurance is ACORD 27.", "sourceId": "nydfs-approved-certificates", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "nydfs-approved-certificates#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/nydfs-approved-certificates#c4", "checksum": "faddb5ea13fd", "text": "The form titled Evidence of Commercial Property Insurance is ACORD 28.", "sourceId": "nydfs-approved-certificates", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "nydfs-approved-certificates#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/nydfs-approved-certificates#c5", "checksum": "6c63a937c99a", "text": "The form titled Evidence of Flood Insurance is ACORD 29.", "sourceId": "nydfs-approved-certificates", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "nydfs-approved-certificates#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/nydfs-approved-certificates#c6", "checksum": "557be27a88cc", "text": "Each of these forms appears on the New York Department of Financial Services list of approved certificates of insurance, with multiple approved editions listed for several of them.", "sourceId": "nydfs-approved-certificates", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "nydfs-renters-insurance#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/nydfs-renters-insurance#c1", "checksum": "b908928b568f", "text": "A landlord does not provide insurance for a tenant's personal property.", "sourceId": "nydfs-renters-insurance", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california" ] }, { "claimId": "nydfs-renters-insurance#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/nydfs-renters-insurance#c2", "checksum": "0b7dcc5c2003", "text": "An exception to this can occur if the landlord was aware of a prior hazardous condition, failed to correct it in a reasonable time frame, and as a result the tenant's property was damaged.", "sourceId": "nydfs-renters-insurance", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california" ] }, { "claimId": "nydfs-renters-insurance#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/nydfs-renters-insurance#c3", "checksum": "c16e18167329", "text": "Renter's insurance is described in coverage parts including personal property, loss of use, personal liability, and medical payments to others.", "sourceId": "nydfs-renters-insurance", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california" ] }, { "claimId": "nydfs-renters-insurance#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/nydfs-renters-insurance#c4", "checksum": "8fbf6cf70209", "text": "The covered causes of loss the page lists include fire, smoke, theft, vandalism, windstorm, hail, lightning, explosion, falling objects, weight of snow, ice and sleet, and water damage from plumbing or appliance failure.", "sourceId": "nydfs-renters-insurance", "reliedOnBy": [ "https://bestinsuranceresearch.com/insurance/homeowners", "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling", "https://bestinsuranceresearch.com/insurance/residential-earthquake-california" ] }, { "claimId": "nydfs-renters-insurance#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/nydfs-renters-insurance#c5", "checksum": "0f85b6d0560b", "text": "Liability protection is described as covering injuries that others sustain while at 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[ "https://bestinsuranceresearch.com/questions/same-limit-different-protection", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "tdi-help-line#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/tdi-help-line#c1", "checksum": "33cc26ea63ae", "text": "TDI states that its Help Line is 800-252-3439 and that calls are answered from 8 a.m. to 5 p.m. Central time, Monday through Friday.", "sourceId": "tdi-help-line", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "tdi-rate-review#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/tdi-rate-review#c1", "checksum": "063f517c7346", "text": "TDI states that like most other states, Texas is a file-and-use state, which means that once an insurer files its rates, it can use them on their effective date.", "sourceId": "tdi-rate-review", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "tdi-rate-review#c2", "canonicalUrl": 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"checksum": "af5ab0b1ae73", "text": "TDI states that an employer without coverage must report to the state that it does not have coverage, and must also report to the Division of Workers' Compensation any work-related injuries resulting in more than one day of lost time, as well as all work-related illnesses and deaths.", "sourceId": "tdi-wc-employer", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas", "https://bestinsuranceresearch.com/tools/workers-comp-classification" ] }, { "claimId": "tfpa-commercial-poa-underwriting-manual#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/tfpa-commercial-poa-underwriting-manual#c1", "checksum": "b2781e0d4244", "text": "The manual's Introduction states that the Texas FAIR Plan Association was established by Insurance Code Chapter 2211.", "sourceId": "tfpa-commercial-poa-underwriting-manual", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/commercial-property-underwriting-information" ] }, { "claimId": 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Covenants, Conditions and Restrictions, a Statement of Values for all buildings and structures, a replacement cost valuation for each building or structure using MSB or another acceptable valuation method or tool, and Loss Reports for the last 5 years.", "sourceId": "tfpa-commercial-poa-underwriting-manual", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/commercial-property-underwriting-information" ] }, { "claimId": "tfpa-commercial-poa-underwriting-manual#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/tfpa-commercial-poa-underwriting-manual#c4", "checksum": "d3dce5605a0b", "text": "The manual states that roofs must meet certain insurability standards and that risks with existing damage or deteriorated roofs may not be acceptable for coverage, and it lists common warning signs for composition shingle, wood, and flat roof surfaces.", "sourceId": "tfpa-commercial-poa-underwriting-manual", "reliedOnBy": [ 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"https://bestinsuranceresearch.com/questions/commercial-property-underwriting-information" ] }, { "claimId": "tfpa-coverage-eligibility#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/tfpa-coverage-eligibility#c1", "checksum": "4c5eeae95d19", "text": "TFPA states that applicants must have been denied coverage by at least two insurance companies licensed to write and actually writing property insurance in Texas.", "sourceId": "tfpa-coverage-eligibility", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "tfpa-coverage-eligibility#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/tfpa-coverage-eligibility#c2", "checksum": "21cdee807f25", "text": "TFPA states that policyholders must reapply for coverage in the voluntary market every two years.", "sourceId": "tfpa-coverage-eligibility", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "tfpa-coverage-eligibility#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/tfpa-coverage-eligibility#c3", "checksum": "0673a24a3be3", "text": "TFPA lists ineligible property types including a mobile home unless the wheels are removed and the mobile home is tied down, a farm or ranch used for business, and any residential dwelling occupied for business use.", "sourceId": "tfpa-coverage-eligibility", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "tfpa-coverage-eligibility#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/tfpa-coverage-eligibility#c4", "checksum": "8b17d64b1ea7", "text": "TFPA states that it offers policies with limited coverage and, as such, does not cover the following perils that other insurers may provide: falling trees or limbs and falling objects; collapse of a building or part of a building; breakage of glass; damage from the weight of ice, snow or sleet; freezing of plumbing, heating, air conditioning or automatic fire protective sprinkler 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as property condemned due to the condition of the property, property in disrepair or with existing damage, vacant property, property with excessive or unusual liability exposure, an applicant who has a conviction for arson, fraud, or other insurance related offenses, and an applicant with more than eight paid claims excluding glass claims within the past three years.", "sourceId": "tfpa-coverage-eligibility", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "tfpa-home#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/tfpa-home#c1", "checksum": "dd66bd0cb636", "text": "The Texas FAIR Plan Association states that it was established by the Texas Legislature to provide essential property insurance for eligible Texas property owners when no one else will.", "sourceId": "tfpa-home", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "tfpa-home#c2", "canonicalUrl": 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"canonicalUrl": "https://bestinsuranceresearch.com/sources/twia-about#c2", "checksum": "2e7410bcfc17", "text": "The page states that TWIA provides a source of insurance used as a last resort for property owners that have been denied windstorm and hail property insurance coverage in the private market.", "sourceId": "twia-about", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "twia-about#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/twia-about#c3", "checksum": "19d75168f7b0", "text": "The page states that TWIA policies only provide coverage for property damage caused directly by wind and hail, and that TWIA policies do not cover damage caused by flooding and storm surge.", "sourceId": "twia-about", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "twia-about#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/twia-about#c4", "checksum": "0f83f97baa81", "text": "The page states that TWIA 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for bodily injury to or death of one person in one accident, $50,000 for bodily injury to or death of two or more persons in one accident, and $25,000 for damage to or destruction of property of others in one accident, effective April 1, 2008.", "sourceId": "tx-sb-502-2007", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "tx-sb-502-2007#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/tx-sb-502-2007#c3", "checksum": "2d119eb52210", "text": "The enrolled text provides that effective January 1, 2011 the minimum amounts of motor vehicle liability insurance coverage required to establish financial responsibility are $30,000 for bodily injury to or death of one person in one accident, $60,000 for bodily injury to or death of two or more persons in one accident, and $25,000 for damage to or destruction of property of others in one accident.", "sourceId": "tx-sb-502-2007", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "tx-sb-502-2007#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/tx-sb-502-2007#c4", "checksum": "3b8b443626d7", "text": "The act itself takes effect September 1, 2007.", "sourceId": "tx-sb-502-2007", "reliedOnBy": [ "https://bestinsuranceresearch.com/states/texas" ] }, { "claimId": "tx-transp-601-072#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/tx-transp-601-072#c1", "checksum": "988767e55b4d", "text": "This reproduction of Texas Transportation Code section 601.072 states in subsection (a-1) that effective January 1, 2011, the minimum amounts of motor vehicle liability insurance coverage required to establish financial responsibility under the chapter are $30,000 for bodily injury to or death of one person in one collision, $60,000 for bodily injury to or death of two or more persons in one collision subject to the amount for one person, and $25,000 for damage to or destruction of property of others in one collision.", "sourceId": 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relates to the business of insurance.", "sourceId": "usc-15-1012", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance", "https://bestinsuranceresearch.com/companies/naic" ] }, { "claimId": "usc-15-1012#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/usc-15-1012#c3", "checksum": "c80238381247", "text": "Subsection (b) further provides that after June 30, 1948, the Sherman Act, the Clayton Act, and the Federal Trade Commission Act shall be applicable to the business of insurance to the extent that such business is not regulated by State law.", "sourceId": "usc-15-1012", "reliedOnBy": [ "https://bestinsuranceresearch.com/companies/california-department-of-insurance", "https://bestinsuranceresearch.com/companies/naic" ] }, { "claimId": "usc-40-3131-miller-act#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/usc-40-3131-miller-act#c1", "checksum": "11dd29986d9b", "text": "In this subchapter, the term contractor 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"A regulated lending institution may not make, increase, extend, or renew any loan secured by improved real estate or a mobile home located or to be located in an area identified by the FEMA Administrator as having special flood hazards unless the building or mobile home is covered by flood insurance for the term of the loan.", "sourceId": "usc-42-4012a", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/lender-insurance-requirement", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "usc-42-4012a#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/usc-42-4012a#c2", "checksum": "a5ba8fd96c50", "text": "The required flood insurance amount is at least equal to the outstanding principal balance of the loan or the maximum limit of coverage made available under the Act for the particular type of property, whichever is less.", "sourceId": "usc-42-4012a", "reliedOnBy": [ 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However, if you plan to frequently rent out your home or a room in your home, landlord property insurance or rental coverage for landlords might be your best option.\"", "sourceId": "wi-oci-pi-015-homeowners-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "wi-oci-pi-015-homeowners-guide#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/wi-oci-pi-015-homeowners-guide#c6", "checksum": "b0a699ef6ac9", "text": "The guide states: \"A landlord insurance policy will cover your home, structures on the property, property contents you own (such as appliances and furniture), lost rental income due to building damage, legal defense costs, and liability protection.\"", "sourceId": "wi-oci-pi-015-homeowners-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "wi-oci-pi-015-homeowners-guide#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/wi-oci-pi-015-homeowners-guide#c7", "checksum": "0817e2651764", "text": "The guide states: \"Once you begin earning income from renting out your home or a room in your home, you are probably considered a home-based business. If you lease out a room (home sharing) or your entire home (short-term rental) for profit, your insurance company could claim you are essentially running a hotel or bed and breakfast and deny coverage. However, if you seldom rent out your home, your insurer might provide coverage.\"", "sourceId": "wi-oci-pi-015-homeowners-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "wi-oci-pi-015-homeowners-guide#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/wi-oci-pi-015-homeowners-guide#c8", "checksum": "7612f179ee9b", "text": "The guide advises: \"Talk to your agent about your situation to be certain of what coverage you may or may not have related to participation in this activity.\"", "sourceId": "wi-oci-pi-015-homeowners-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners", "https://bestinsuranceresearch.com/tools/property-position" ] }, { "claimId": "wi-oci-pi-045-commercial-liability-guide#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/wi-oci-pi-045-commercial-liability-guide#c1", "checksum": "4f225cd70365", "text": "Errors and Omissions coverage, also known as professional liability, is available for numerous types of professionals, and the coverage protects professional people or organizations from claims arising from failing to render professional services to their clients as expected of a person in their profession.", "sourceId": "wi-oci-pi-045-commercial-liability-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "wi-oci-pi-045-commercial-liability-guide#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/wi-oci-pi-045-commercial-liability-guide#c2", "checksum": "b08061b9ce8f", "text": "A policy written on an occurrence basis covers losses that arise from incidents occurring during the policy term, while a policy written on a claims-made basis covers losses that arise from incidents occurring during the policy term but only if the claim is made during the policy term.", "sourceId": "wi-oci-pi-045-commercial-liability-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "wi-oci-pi-045-commercial-liability-guide#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/wi-oci-pi-045-commercial-liability-guide#c3", "checksum": "fdb8affb43da", "text": "Product coverage is to protect against losses arising out of the manufacturing, selling, handling, or distribution of a product, and completed operations coverage protects against claims arising out of services performed by a business, such as a building contractor.", "sourceId": "wi-oci-pi-045-commercial-liability-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/tools/contract-requirements" ] }, { "claimId": "wi-oci-pi-045-commercial-liability-guide#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/wi-oci-pi-045-commercial-liability-guide#c4", "checksum": "1eef23b2f684", "text": "The guide advises commercial buyers to know if their policy is written on an occurrence or claims-made basis.", "sourceId": "wi-oci-pi-045-commercial-liability-guide", "reliedOnBy": [ "https://bestinsuranceresearch.com/questions/general-liability-vs-professional-liability", "https://bestinsuranceresearch.com/tools/contract-requirements" ] } ] }