Worked examples, labeled for exactly what they are
11 examples published. Each one says up front whether an authority actually decided something, or whether the facts are illustrative.
A composite homeowner with no fire damage receives a nonrenewal notice after a declared wildfire emergency and reads the statute that governs the moratorium
In the scenario, a wildfire burns in a California county and the Governor declares a state of emergency. A homeowner whose house is a few miles from the burn area has no damage, and several weeks later receives
A hypothetical two person California corporation is asked for a workers compensation certificate and reads the statutes on who must be covered
In the hypothetical, two people form a California corporation. Both are officers and members of the board, they own all of the stock between them, and the corporation has no other workers, no payroll to anyone
A live entertainment company sought commercial property coverage for pandemic losses, and the case turned on the meaning of direct physical loss or damage
Another Planet Entertainment operated venues for live entertainment, including concerts, festivals, and events, at locations in California and Nevada, and its insurer was Vigilant Insurance Company. The case re
Reading CG 20 10, CG 20 37 and CG 20 01 to see why one contract sentence usually asks for three separate endorsements
Assume as the premise of this walkthrough that a written agreement contains one common sentence: the other party is to be named as an additional insured, on a primary and noncontributory basis, for both ongoing
Reading the California FAIR Plan's own dwelling policy page to see which perils it lists and what it tells applicants to buy separately
Assume as the premise of this walkthrough that a homeowner has not found coverage in the standard market and is reading about the California FAIR Plan; nothing here decides whether any property qualifies for an
Reading the CEA's own deductible page and policy form to see why an earthquake retention is set by a limit on a different policy
Assume as the premise of this walkthrough that a homeowner holds a CEA earthquake policy alongside a residential homeowners policy and wants to know the dollar retention. Nothing here states any figure for anyo
Reading the classification rules to see why an audit reclassifies payroll: the business is classified, not the individual jobs
Assume as the premise of this walkthrough that an employer performs several distinct activities and expects the policy to carry one classification per activity, priced to whoever does that work. Nothing here as
Reading the COBRA notice regulations to see three separate clocks, owned by three different parties, and why the 44-day one exists for small employers
Assume as the premise of this walkthrough that an employer sponsoring a group health plan has recorded a single COBRA deadline in its process notes. Nothing here decides whether any plan is subject to COBRA, wh
Reading the HIPAA notification rule against the CISA and NIST control cadences to see why one is a ceiling and the others are intervals
Assume as the premise of this walkthrough that an organization handling protected health information has written two numbers into its incident plan: notify within sixty days, and review controls annually. Nothi
Reading the marine insurance regulation and the nationwide definition to see why a fine arts schedule sits on an inland marine form
Assume as the premise of this walkthrough that a household owns paintings, antiques and a coin collection and is asking where those items should be insured. Nothing here decides what any policy covers or what a
The EEOC rescinded its harassment enforcement guidance in January 2026, and what an employer's own documents now have to be measured against
Assume as the premise of this walkthrough that an employer wrote its anti-harassment policy against federal EEOC enforcement guidance and has not revisited it. Nothing here decides whether any policy is adequat
What each label means
The label is load-bearing. It tells you whether anything was actually decided and what evidence sits behind the example.
| Label | What it is | Did an authority decide it? | What the page must carry |
|---|---|---|---|
| Public record | A regulator bulletin, enforcement action, court decision, or government report, cited directly. | Yes, an authority decided it | Direct citation to the record |
| Carrier authored | An example an insurer published itself, presented as that insurer's own material. | Sometimes, as described by the carrier | Link to the carrier document |
| Published industry example | An example from a published industry source, used with citation. | As stated in the source | Citation plus permission where required |
| Anonymized client case | A real Bollinsure matter, anonymized, approved in writing, and documented. | Yes, but details are withheld | A written consent and approval record |
| Composite educational example | Facts assembled from patterns, not from any one real matter. | No, nothing was decided | An explicit statement that no real matter is described |
| Hypothetical | Invented facts used only to show how a concept works. | No, nothing was decided | An explicit statement that the facts are invented |
Example labels and what each one requires.
Public record
- What it is
- A regulator bulletin, enforcement action, court decision, or government report, cited directly.
- Did an authority decide it?
- Yes, an authority decided it
- What the page must carry
- Direct citation to the record
Carrier authored
- What it is
- An example an insurer published itself, presented as that insurer's own material.
- Did an authority decide it?
- Sometimes, as described by the carrier
- What the page must carry
- Link to the carrier document
Published industry example
- What it is
- An example from a published industry source, used with citation.
- Did an authority decide it?
- As stated in the source
- What the page must carry
- Citation plus permission where required
Anonymized client case
- What it is
- A real Bollinsure matter, anonymized, approved in writing, and documented.
- Did an authority decide it?
- Yes, but details are withheld
- What the page must carry
- A written consent and approval record
Composite educational example
- What it is
- Facts assembled from patterns, not from any one real matter.
- Did an authority decide it?
- No, nothing was decided
- What the page must carry
- An explicit statement that no real matter is described
Hypothetical
- What it is
- Invented facts used only to show how a concept works.
- Did an authority decide it?
- No, nothing was decided
- What the page must carry
- An explicit statement that the facts are invented