California

Insurance Code

4,514 sections, each with the official text and a plain-English explanation of what it means for you.

• § 1327 — The attorney’s bond may be sued upon in one and the same action either by any subscriber or any number of subscribers suffering loss through a violation of its conditions or by the receiver or trustee
• § 1328 — Any amount recovered on the attorney’s bond shall be deposited in and become a part of the funds of the exchange.
• § 1329 — Where provision is made, by the power of attorney executed by the subscribers or the rules adopted by the exchange, for the bonding of the attorney-in-fact against fraud and dishonesty with a bond exe
• § 133 — (a) No risk retention group shall be required or permitted to join or contribute financially to any insurance insolvency guaranty fund, or similar mechanism, in this state, nor shall any risk retentio
• § 1330 — Where the home office of an exchange is located outside of this State and the attorney files such a bond in the home State, there may be filed with the commissioner, in lieu of such bond, either a cer
• § 134 — (a) A purchasing group that intends to do business in this state shall, prior to doing business, furnish to the commissioner notice, doing all of the following: (1) Identify the state in which the gro
• § 135 — (a) No purchasing group may offer insurance policy coverage prohibited by Section 533.
• § 1350 — The commissioner shall issue a certificate of authority to the attorney upon compliance with the requirements of this chapter, and the payment of the application fee prescribed by Article 3 (commencin
• § 1350.5 — In the event of substitution of attorney or a change in any of the matters specified in the certificate of authority pursuant to Section 1350, the attorney shall apply to the commissioner for an amend
• § 13500 — The commissioner may deny, temporarily or permanently, the privilege of appearing or practicing before the department in any way to any person, other than an attorney acting in that capacity, who is f
• § 13501 — Any person whose license to practice as an accountant, actuary, or other expert has been revoked or suspended in any state, territory, district, commonwealth, or possession, or any person who has been
• § 13502 — (a) An application for reinstatement of a person permanently suspended or disqualified under Section 13500 may be made at any time, and the applicant may, in the commissioner’s discretion, be afforded
• § 13503 — Any person appearing or practicing before the commissioner who has been the subject of an order, judgment, decree, or finding relevant to Section 13501 shall promptly file with the commissioner a copy
• § 13504 — Any proceeding brought under any section of this article shall not preclude a proceeding under any other section.
• § 13505 — All hearings held under this article shall be closed to the public, unless the commissioner on the commissioner’s own motion, or at the request of a party, otherwise directs.
• § 13550 — (a) An insurer shall cooperate with the Department of Child Support Services to identify claimants who are also obligors who owe past-due child support and report those claimants to the Department of
• § 13551 — Notwithstanding any other law, an insurer or insurance company, its directors, agents, and employees, an insured individual on whose behalf the company makes a payment, and a central reporting organiz
• § 13552 — (a) Data obtained pursuant to this article shall only be used for the purpose of identifying claimants who are also obligors who owe past-due child support.
• § 13553 — (a) An insurer may satisfy its obligation to identify and report a claimant who owes past-due child support through the use of a central reporting organization.
• § 13554 — For the purposes of this article, “central reporting organization” means a third-party service that automates the claims identifying process or provides interactive lookups.
• § 13555 — This article shall become operative on January 1, 2020.
• § 136 — The powers authorized by this chapter shall only be exercised to the extent these powers are not preempted by the Product Liability Risk Retention Act of 1981, as amended by the Risk Retention Amendme
• § 13600 — The department shall provide any person who files a complaint pursuant to Section 678.
• § 13601 — Nothing in this chapter shall preclude an insured or other aggrieved party from pursuing any available alternative remedy in lieu of conciliation or from pursuing that alternative remedy without first
• § 137 — (a) No person, firm, association, or corporation shall act or aid in any manner in soliciting, negotiating, or procuring liability insurance in this state from a risk retention group unless that perso
• § 1370 — Every exchange shall maintain its required assets in any one, or more, or all of the following forms: (a) In cash or deposits in solvent banks.
• § 1370.2 — Except as in this article (commencing with Section 1370) otherwise provides, every exchange subject to this chapter (commencing with Section 1280) shall on and after October 1, 1961, be governed for a
• § 1370.4 — An exchange admitted prior to October 1, 1961, shall be exempt from the provisions of Section 1370.
• § 1370.8 — Any exchange exempted at any time from the provisions of Section 1370.
• § 1371 — If an exchange does either liability or workers’ compensation insurance, it shall at all times maintain assets in a sum sufficient to discharge all liabilities and to provide a surplus over all liabil
• § 1372 — Every other exchange shall maintain at all times assets in a sum sufficient to discharge all liabilities and to provide a surplus over all liabilities of fifty thousand dollars ($50,000).
• § 1373.1 — No certificate of authority, other than a renewal certificate of authority, shall be issued to the attorney within three years from and after the time when the exchange commences business as an insure
• § 1373.2 — (a) Except as provided in subsection (b) hereof, an exchange, the attorney for which holds a certificate of authority, which has been in business as an insurer less than three years from and after the
• § 1374 — In estimating the financial condition of any exchange the commissioner shall observe the following rules: (a) He or she shall charge as liabilities the same reserves as are required of incorporated in
• § 1374.1 — (a) “Surplus deposits of subscribers,” as used in this chapter, means amounts, over and above any premium charges, which are contributed by subscribers and which are used for the purpose of funding th
• § 1375 — Where the subscribers are grouped by industries or otherwise under any ruling or agreement which exempts the funds of one group from liability in whole or in part for the payment of losses or expenses
• § 138 — There shall be no civil liability on the part of any agent or broker who places liability insurance coverage on behalf of any risk retention group which is incorporated and licensed in this state in t
• § 13800 — This chapter shall be known and may be cited as the Holocaust Victim Insurance Relief Act of 1999.
• § 13801 — The Legislature finds and declares the following: (a) During World War II, untold millions of lives and property were destroyed.
• § 13802 — For purposes of this chapter, the following definitions shall apply: (a) “Holocaust victim” means any person who was persecuted during the period of 1929 to 1945, inclusive, by Nazi Germany, its allie
• § 13803 — The commissioner shall establish and maintain within the department a central registry containing records and information relating to insurance policies, as described in Section 13804, of Holocaust vi
• § 13804 — (a) Any insurer currently doing business in the state that sold life, property, liability, health, annuities, dowry, educational, or casualty insurance policies, directly or through a related company,
• § 13805 — Any insurer that knowingly files information about a policy required by this chapter that is false shall, with respect to that policy, be liable for a civil penalty not to exceed five thousand dollars
• § 13806 — The commissioner shall suspend the certificate of authority to conduct insurance business in the state of any insurer that fails to comply with the requirements of this chapter by the 210th day after
• § 13807 — The commissioner shall adopt rules to implement this chapter within 90 days of its effective date.
• § 13810 — The commissioner shall request and obtain information from insurers licensed and doing business in this state regarding any records of slaveholder insurance policies issued by any predecessor corporat
• § 13811 — The commissioner shall obtain the names of any slaveholders or slaves described in those insurance records, and shall make the information available to the public and the Legislature.
• § 13812 — Each insurer licensed and doing business in this state shall research and report to the commissioner with respect to any records within the insurer’s possession or knowledge relating to insurance poli
• § 13813 — Descendants of slaves, whose ancestors were defined as private property, dehumanized, divided from their families, forced to perform labor without appropriate compensation or benefits, and whose ances
• § 13850 — The Legislature finds and declares all of the following: (a) Hundreds of thousands of affordable homes have been built across California to meet the needs of low-income households and people experienc
• § 13851 — (a) (1) The Department of Insurance shall conduct a study of the property, liability, and builders’ risk insurance coverages available to affordable housing entities as defined in Section 13907 and re
• § 13852 — In conducting the study described in subdivision (a) of Section 13851, the department shall do all of the following: (a) Collect information necessary to conduct the study from relevant insurers with
• § 13853 — (a) The department shall submit a report on the study described in subdivision (a) of Section 13851 to the Senate Committee on Insurance and the Assembly Committee on Insurance within one year of the
• § 13854 — Implementation of this chapter is contingent upon an appropriation by the Legislature for purposes of this chapter in the annual Budget Act or another statute.
• § 13855 — This chapter shall remain in effect only until January 1, 2031, and as of that date is repealed.
• § 1390 — The provisions of this article shall apply only to exchanges writing liability, common carrier liability, or workers’ compensation insurance, except that any exchange may apply for and receive the cer
• § 13900 — An affordable housing entity may join with one or more other affordable housing entities in an arrangement providing for the pooling of self-insured claims or losses with respect to any of the followi
• § 13901 — (a) The pooling arrangement established pursuant to this division shall not be considered insurance, and shall not be subject to regulation under this code.
• § 13902 — (a) An insurance pool that is established pursuant to this division may be organized as a nonprofit corporation, limited liability company, partnership, or trust, whether organized under the laws of t
• § 13903 — All participating affordable housing entities in any insurance pool, established pursuant to this division, are required to agree to pay premiums or make other mandatory financial contributions, as de
• § 13904 — Any insurance pool, established pursuant to this division, shall not insure against any liability that may be insured against pursuant to Division 4 (commencing with Section 3200) of the Labor Code.
• § 13905 — Nothing in this division shall be construed to authorize an affordable housing entity to pay for, to insure, to contract for payment of, or to provide for payment for, any part of a claim or judgment
• § 13906 — For the purpose of this division, “affordable housing” means housing developments in which some of the dwelling units may be purchased or rented, with or without government assistance, on a basis that
• § 13907 — For the purpose of this division, an “affordable housing entity” means any of the following: (a) A housing authority created under the laws of this state or another jurisdiction and any agency or inst
• § 1391 — Whenever an exchange subject to this article, is not possessed of admitted assets sufficient to discharge all liabilities and to maintain the required surplus, the attorney may make an assessment for
• § 1392 — Except as provided by Sections 1397, 1398, 1400 and 1401, every subscriber of an exchange subject to this article shall be liable to pay, and shall pay, his proportionate part of any such assessment,
• § 1393 — Each such subscriber’s share of the deficiency for which an assessment is made pursuant to this article, shall be determined by applying to the premium earned on the member’s policy or policies during
• § 1394 — Subscribers liable to assessment under this article shall pay the same without offsetting any claim for unearned premiums or losses payable to or for the account of the subscriber.
• § 1395 — Assessments under this article shall be made upon the members liable to assessment therefor, in proportion to their several liabilities.
• § 1396 — Notice of all such proposed assessments shall be filed with the commissioner and the assessments shall not take effect until approved by him after such investigation as he deems necessary.
• § 1397 — Assessments under this article, whether levied by the attorney, or the commissioner in the liquidation of such an exchange or otherwise, shall be of no greater amount than specified in the power of at
• § 1398 — The power of attorney of an exchange subject to this article may limit the contingent liability of the subscriber for assessment, but such contingent liability shall not be less than an amount equal t
• § 1399 — Each subscriber to an exchange subject to this article may maintain with the exchange, in addition to the premium deposit provided in the policy, a further deposit to be held as the surplus deposit of
• § 14 — “County” includes “city and county.
• § 140 — The commissioner may order a purchasing group or risk retention group to cease and desist from the solicitation or sale of insurance by, or the operations of, a risk retention group or purchasing grou
• § 1400 — Each such subscriber maintaining a surplus deposit equal to, and in addition to, the amount of the total current annual premium deposit provided in his policy, shall have no liability for assessment d
• § 14000 — This chapter may be cited as the Insurance Adjuster Act.
• § 14001 — As used in this chapter: (a) “Commissioner” means the Insurance Commissioner.
• § 14002 — Nothing in this chapter shall be construed as entitling any person to practice law in this state, unless he is an active member of the State Bar of California.
• § 1401 — If an exchange has a surplus of admitted assets over all liabilities in a sum equal to 1 1 2 times the minimum paid-in capital required of incorporated insurers issuing policies on a reserve basis and
• § 1401.5 — (a) When the commissioner finds after a public hearing that a reciprocal or interinsurance exchange has at all times during any consecutive five-year period terminating on December 31, 1964, or on the
• § 14010 — The department succeeds to and is vested with all the duties, powers, purposes, responsibilities, and jurisdiction previously vested in the Bureau of Collection and Investigative Services with respect
• § 14011 — The commissioner may, in accordance with the State Civil Service Act, appoint such inspectors, investigators, and other personnel as may be necessary for the administration and enforcement of this cha
• § 14012 — Every power and duty granted to or imposed upon the commissioner may be exercised by any other officer or employee of the department authorized by the commissioner, but the commissioner shall have the
• § 14013 — The commissioner may adopt and enforce reasonable rules: (a) Fixing the qualifications of licensees and managers, in addition to those prescribed in this chapter, necessary to promote and protect the
• § 1402 — All funds of such exchange and the proceeds of the contingent liability of its subscribers shall be available for the payment of any liability of the exchange.
• § 14020 — (a) A person shall not engage in a business regulated by this chapter, or act or assume to act as, or represent themselves to be, a licensee unless the person is licensed under this chapter.
• § 14021 — An insurance adjuster within the meaning of this chapter is a person other than a private investigator as defined in Section 7521 of the Business and Professions Code who, for any consideration whatso
• § 14022 — This chapter does not apply to: (a) (1) A person employed exclusively and regularly by one employer in connection with the affairs of the employer only and if there exists an employer-employee relatio
• § 14022.5 — (a) In the event of an emergency situation as declared by the commissioner, claims arising out of the emergency, catastrophe, disaster, or other similar occurrence may be adjusted by a nonlicensed adj
• § 14023 — An application for a license under this chapter shall be on a form prescribed by the commissioner and accompanied by the application fee provided by this chapter.
• § 14024 — An application shall be verified and shall include: (a) The full name and business address of the applicant.
• § 14025 — Before an application for a license is granted, the applicant, or his or her manager, shall meet all of the following: (a) Be at least 18 years of age.
• § 14026 — The commissioner may require an applicant, or his or her manager, to demonstrate his or her qualifications by a written or oral examination, or a combination of both.
• § 14026.5 — Where a person who is or has been licensed under this chapter has been found by the commissioner to have violated any provision of this code that would justify the suspension or revocation of a licens
• § 14027 — Payment of the application fee prescribed by this chapter entitles an applicant, or his or her manager, to one examination without further charge.
• § 14028 — After a hearing the commissioner may deny a license unless the application makes a showing satisfactory to the commissioner that the applicant, if an individual, has not, or if the applicant is a pers
• § 14028.5 — The commissioner may, without hearing, deny a license if the applicant has committed any act or crime constituting grounds for denial of license under Section 1669.
• § 14029 — (a) The business of each licensee shall be operated under the active direction, control, charge, or management of the licensee, if the licensee is qualified, or the person who has qualified to act as
• § 14030 — Whenever the individual on the basis of whose qualifications a license under this chapter has been obtained ceases to be connected with the licensee for any reason whatever, the business may be carrie
• § 14031 — Whenever a hearing is held under this chapter to determine whether an application for a license should be granted or to determine the qualifications of a licensee’s manager, the proceedings shall be c
• § 14032 — The form and content of the license shall be determined by the commissioner in accordance with Section 164 of the Business and Professions Code.
• § 14033 — The license shall at all times be posted in a conspicuous place in the principal place of business of the licenses.
• § 14034 — Upon the issuance of a license, a pocket card of such size, design, and content as may be determined by the commissioner shall be issued without charge to each licensee, if an individual, or if the li
• § 14035 — A licensee shall, within 30 days after such change, notify the department of any change of his or her address and of any change in the officers or partners of such licensee.
• § 14036 — A license issued under this chapter is not assignable.
• § 14037 — A licensee shall at all times be legally responsible for the good conduct in the business of each of the licensee’s employees or agents, including the licensee’s manager and any nonlicensed adjusters
• § 14038 — (a) Any licensee or officer, director, partner, or manager of a licensee may divulge to any law enforcement officer or district attorney, or to his or her representative, any information he or she may
• § 14039 — No person licensed as an insurance adjuster shall do any of the following: (a) Fail to disclose his or her full financial interest in a contract or agreement executed by him or her for the adjustment
• § 14040 — Any badge or cap insignia worn by a person who is a licensee, officer, director, partner, manager, or employee of a licensee shall be of a design approved by the commissioner, and shall bear on its fa
• § 14041 — Each licensee shall maintain a record containing such information relative to his or her employees as may be prescribed by the commissioner.
• § 14042 — A licensee shall not conduct a business under a fictitious or other business name unless and until he or she has obtained the written authorization of the commissioner to do so.
• § 14043 — Each licensee shall file with the commissioner the complete address of his or her principal place of business, including the name and number of the street or, if the street where the business is locat
• § 14044 — Every advertisement by a licensee soliciting or advertising business shall contain his or her name, address, and license number as they appear in the records of the commissioner.
• § 14045 — A licensee shall not advertise or conduct business from any location other than that shown on the records of the commissioner as his or her principal place of business unless he or she has received a
• § 14046 — (a) (1) The department shall annually prepare and deliver to every person licensed under this chapter and every insurer admitted in this state a notice describing the most significant California laws
• § 14047 — (a) For a claim under a policy of residential property insurance arising as a result of a state of emergency, as defined in subdivision (b) of Section 8558 of the Government Code, if, within a six-mon
• § 14050 — (a) A license shall not be issued under this chapter unless the applicant files with the commissioner a surety bond executed by a surety company authorized to do business in the state in the sum of tw
• § 14051 — The bond required by this article shall be taken in the name of the people of this state and every person injured by the willful, malicious, or wrongful act of the principal may bring an action on the
• § 14052 — (a) Every licensee who is required by this article to file a surety bond or a certificate of insurance shall at all times maintain on file the surety bond or certificate required by this article in fu
• § 14053 — In lieu of the surety bond required by this article there may be deposited with the State of California the sum of two thousand dollars ($2,000) in cash, or evidence of deposit of the sum of two thous
• § 14054 — Bonds executed and filed with the commissioner pursuant to this article shall remain in force and effect until the surety has terminated future liability by 30-day notice to the commissioner.
• § 14060 — Except as otherwise required to comply with the provisions of Article 6 (commencing with Section 14070), the proceedings under this article shall be conducted in accordance with Chapter 5 (commencing
• § 14061 — The commissioner may suspend or revoke a license issued under this chapter or may issue a restricted license in accordance with Section 14026.
• § 14061.5 — The commissioner may, without hearing, suspend or revoke a license issued under this chapter, or may issue a restricted license, if he or she determines that the licensee has committed any act or crim
• § 14062 — The record of conviction, or a certified copy thereof, shall be conclusive evidence of the conviction, as that term is used in this article or in Section 14028 or 14028.
• § 14063 — The commissioner may suspend or revoke a license issued under this chapter or may issue a restricted license in accordance with Section 14026.
• § 14064 — The commissioner may suspend or revoke a license issued under this chapter or may issue a restricted license in accordance with Section 14026.
• § 14064.5 — (a) The commissioner may, at any time, deny, suspend, or revoke a nonlicensed adjuster’s registration under Section 14022.
• § 14065 — The commissioner, in lieu of suspending or revoking a license issued under this chapter for violations of Sections 14061, 14063, 14064, and 14064.
• § 14070 — As used in this article, “presiding officer” means the executive officer of the Office of Administrative Hearings.
• § 14071 — The acceptance by a nonresident licensee of any of the rights and privileges conferred upon him or her by this chapter, as evidenced by his or her performance within this state, either personally or t
• § 14072 — The acceptance of such rights and privileges as evidenced by such act shall signify the agreement of the licensee that any such process which is served against him or her in the manner provided in thi
• § 14073 — Service shall be made by leaving a copy of the accusation, together with a notice of defense and statement to respondent as described in Section 11505 of the Government Code, with a fee of two dollars
• § 14074 — A notice of such service and a copy of the accusation, together with the notice of defense and statement to respondent, shall forthwith be sent by registered mail by the presiding officer to the licen
• § 14075 — Proof of compliance with Section 14074 shall be made in the event of service by mail by affidavit of the presiding officer or his or her authorized employee showing such service by mailing, together w
• § 14076 — The commissioner, or if the proceeding is heard before a hearing officer of the Office of Administrative Hearings, such hearing officer, may order such postponements or continuances and grant such ext
• § 14077 — The presiding officer shall keep a record of all process served upon him or her pursuant to this article, which record shall show the day and hour of service.
• § 14078 — As used in this article, “nonresident” means a person who is not a resident of this state at the time of the performance of the act referred to in Section 14071.
• § 14080 — Any person who knowingly falsifies the fingerprints or photographs submitted under subdivision (f) of Section 14024 is guilty of a felony.
• § 14085 — (a) Upon application, the commissioner shall issue a crop insurance adjuster license to a person who meets both of the following requirements: (1) Obtains an insurance adjuster license, with the excep
• § 14090 — Every license, branch office certificate, and pocket card issued pursuant to this chapter shall expire on the day two years after the last calendar day of the month in which the initial license was is
• § 14090.1 — (a) An individual who holds an insurance adjuster license and who is not exempt under subdivision (b) shall satisfactorily complete a minimum of 24 hours, of which three hours are to be in ethics, of
• § 14090.2 — Notwithstanding Section 14090, the commissioner may establish license periods and renewal dates for all licenses issued pursuant to this chapter so as to distribute the renewal work to permit the most
• § 14091 — Except as otherwise provided in this article, an expired license or branch office certificate may be renewed at any time within one year after its expiration on the filing of an application for renewa
• § 14092 — A suspended license or branch office certificate is subject to expiration and shall be renewed as provided in this article, but renewal of the license does not entitle the licensee, while the license
• § 14093 — A revoked license or branch office certificate is subject to expiration as provided in this article, but it may not be renewed.
• § 14094 — A license or branch office certificate which is not renewed within one year after its expiration may not be renewed, restored, reinstated, or reissued thereafter; and a license which expired before Oc
• § 14097 — The amount of fees prescribed by this chapter, unless otherwise fixed, is that fixed in the following schedule: (a) The application fee for an original license is seventy-two dollars ($72).
• § 14098 — The department shall receive and account for all money derived from the operation of this chapter and, at the end of each month, shall report such money to the Controller and shall pay it to the Treas
• § 14099 — Application or license fee shall not be refunded except in accordance with Section 158 of the Business and Professions Code.
• § 1420 — Savings or credits may be returned to the subscribers irrespective of the source from which such savings or credits accrue whenever such returns do not constitute an impairment of the assets or reserv
• § 1430 — The attorney shall make a report, under oath, to the commissioner covering each calendar year.
• § 1431 — The assets, business affairs and records of every exchange and its attorney shall be subject to examination by the commissioner at any reasonable time.
• § 1432 — The commissioner has: (a) The right of examination of and supervision over reciprocal or interinsurance exchanges, their attorneys, agents and brokers.
• § 1433 — The commissioner’s right of examination shall include the right to examine the records containing the names and addresses of the subscribers.
• § 1434 — Where the principal office of the attorney is located in another State, the commissioner, in lieu of examination may accept a certified copy of the report of examination made by the insurance authorit
• § 1450 — The exchange may sue or be sued in its own name as in the case of an individual.
• § 1451 — No action shall lie against any subscriber, upon any obligation made or incurred in the name of the exchange, until a final judgment has been obtained against the exchange and remains unsatisfied for
• § 1452 — Process may be served upon the commissioner as provided in Article 1 (commencing with Section 12919) of Chapter 2 of Division 3.
• § 1453 — A judgment rendered in any case where service of process has been made on the commissioner shall be binding against the subscribers as their interests appear.
• § 1470 — In any form of policy prescribed by this code, the attorney may insert provisions or conditions required by the plan of reciprocal or interinsurance if the plan is not inconsistent with, or in conflic
• § 15 — “City” includes “city and county.
• § 150 — Any person capable of making a contract may be an insurer, subject to the restrictions imposed by this code.
• § 1500 — The provisions of this code regarding the appointment, licensing, qualification and regulation of insurance agents, brokers and solicitors, apply neither to the attorney-in-fact of a reciprocal or int
• § 15000 — This chapter may be cited as the Public Insurance Adjusters Act.
• § 15001 — As used in this chapter, the following terms have the following meanings: (a) “Apprentice public insurance adjuster” means a person who is qualified in all respects as a public adjuster, except as to
• § 15002 — Nothing in this chapter shall be construed as entitling any person to practice law in this state, unless he or she is an active member of the State Bar of California.
• § 15003 — The commissioner may, in accordance with the State Civil Service Act, appoint those inspectors, investigators, and other personnel as may be necessary for the administration and enforcement of this ch
• § 15004 — Every power and duty granted to or imposed upon the commissioner may be exercised by any other officer or employee of the department authorized by the commissioner, but the commissioner shall have the
• § 15005 — The commissioner may adopt and enforce reasonable rules: (a) Fixing the qualifications of licensees in addition to those prescribed in the chapter, necessary to promote and protect the public welfare.
• § 15006 — (a) No person shall engage in a business regulated by this chapter, or act or assume to act as, or represent himself or herself to be, a licensee unless he or she is licensed under this chapter.
• § 15007 — A public insurance adjuster within the meaning of this chapter is a person who, for compensation, acts on behalf of or aids in any manner, an insured in negotiating for or effecting the settlement of
• § 15008 — This chapter does not apply to any of the following: (a) An attorney at law admitted to practice in this state, when performing his or her duties as an attorney at law.
• § 15009 — An application for a license under this chapter shall be on a form prescribed by the commissioner and accompanied by the application fee provided by this chapter.
• § 15009.1 — (a) The applicant shall complete a 20-hour prelicensing course of study for the lines of authority for a public insurance adjuster license.
• § 15010 — An application shall be verified and shall include all of the following: (a) The full name and business address of the applicant.
• § 15011 — Before an application for a license is granted, the applicant shall meet all of the following requirements: (a) Be at least 18 years of age.
• § 15012 — The license issued by the commissioner shall include, but not be limited to, adjusting claims for fire and allied coverages, burglary, flood, and all property claims both real and personal, and loss o
• § 15013 — Each applicant for a license as a public insurance adjuster shall, prior to issuance of the license, personally take and pass, to the satisfaction of the commissioner, an examination given by the depa
• § 15016 — (a) The apprentice public insurance adjuster license is a license to facilitate the training necessary to ensure reasonable competency to fulfill the responsibilities of a public insurance adjuster as
• § 15017 — (a) A nonresident license shall be issued by the commissioner to qualified persons who meet the requirements set forth in Section 15011, and who have appointed the commissioner as an agent for service
• § 15018 — After a hearing, the commissioner may deny a license unless the applicant makes a showing satisfactory to the commissioner that the applicant has not: (a) Committed any acts or crimes constituting gro
• § 15018.5 — The commissioner may, without hearing, deny an application if the applicant has committed any act or been convicted of a crime constituting grounds for denial of license under Section 1669.
• § 15019 — Whenever a hearing is held under this chapter to determine whether an applicant for a license should be granted or to determine the qualifications of a licensee, the proceeding shall be conducted in a
• § 15020 — The form and content of the license shall be determined by the commissioner.
• § 15021 — The license shall at all times be posted in a conspicuous place in the principal place of business of the licensee.
• § 15022 — Upon the issuance of a license, a pocket card of that size, design, and content as may be determined by the commissioner shall be issued without charge to each licensee.
• § 15023 — A license issued under this chapter is not assignable.
• § 15024 — Each licensee shall file with the commissioner the complete address of his or her principal place of business including the name and number of the street, or if the street where the business is locate
• § 15025 — A licensee shall within 30 days of the change notify the department of any change of his or her address.
• § 15026 — A licensee shall not advertise or conduct business from any location other than that shown on the records of the commissioner as his or her principal place of business unless he or she has received a
• § 15027 — (a) A licensee shall not, directly or indirectly, act within this state as a public insurance adjuster without having first entered into a contract, in writing, on a form approved by the insurance com
• § 15027.1 — (a) In addition to the restrictions in subdivision (e) of Section 15027, a licensee shall not solicit a contract of engagement for residential properties under this chapter that are included in an are
• § 15027.5 — Any person acting as a public adjuster who has executed a contract as described in Section 15027 is the agent of the insured.
• § 15028 — No person licensed as a public insurance adjuster shall do any of the following: (a) Use any misrepresentation to solicit a contract or agreement to adjust a claim.
• § 15028.5 — (a) A public insurance adjuster shall maintain a complete record of each of his or her transactions as a public insurance adjuster.
• § 15028.6 — All funds received as claim proceeds by any person acting as a public insurance adjuster are received and held by that person in his or her fiduciary capacity.
• § 15028.7 — (a) A public adjuster who receives, accepts, or holds any funds on behalf of an insured towards the settlement of a claim for loss or damage shall deposit the funds in a non-interest-bearing escrow or
• § 15029 — No person shall concurrently hold a license under the provisions of this chapter and the provisions of Chapter 1 (commencing with Section 14000).