With few exceptions the California Department of Insurance does not generally post its official regulations on this website. However all official California regulations, including those promulgated by the Department of Insurance, are available for free on the official California Code of Regulations
Website. When using the official regulations website to access regulations promulgated by the Department of Insurance, it can be helpful to remember that all Department of Insurance regulations are located under "Title 10."
General information about how a regulation becomes law.
Consideration of Losses and Loss Exposure in Residential Property Insurance Rating and Underwriting (pdf). (Title 10, California Code of Regulations, Chapter 5, Subchapter 3, Article 7.2, Section 2361.)
Broker Fee Regulations
The Department's new broker fee regulations can be found in Title 10 of the California Code of Regulations, Sections 2189.1 - 2189.8. The new regulations will help protect insurance consumers from virtually all of the most common unfair broker fee practices. In addition, the regulations provide written guidance to insurance brokers concerning broker fees for the first time since the Department issued Bulletin 80-6 in 1980.
The Commissioner proposes to adopt a regulation regarding the fiduciary duties owed to a client by insurance salespeople who represent consumers ("brokers"). Specifically, the regulation requires brokers to disclose income they receive in handling a transaction for a client. The regulation also makes it an unfair act for a broker to fail to inform a client about a "best available insurer" or to steer a client away from that insurer. You can view the Public Notice, the Proposed Text of the Regulations, and the Initial Statement of Reasons for the regulations on the linked pages.
These regulations govern the treatment of nonpublic personal information about individuals who obtain or are claimants or beneficiaries of products or services primarily for personal, family, or household purposes. These regulations shall apply to all licensees of the California Department of Insurance subject to California Insurance Code Sections 791 et seq., namely insurance institutions, agents, and insurance support organizations. Licensees not subject to California Insurance Code Sections 791 et seq., but subject to Gramm-Leach-Bliley (GLBA), 15 U.S.C. Sections 6801-6810, shall comply with GLBA privacy provisions and with Sections 2689.12 through 2689.20 of these regulations.
Information is available about the Department's public participation program.