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CA Department of Insurance

Definitions

According to CCR, Section 2646.6(b), the following coverages are to be provided:

Line 1P - Dwelling Fire - NonCommercial (excluding policies issued through the California FAIR Plan);

Line 4 - Homeowners multiple peril (excluding policies issued through the California FAIR Plan);

Line 19.2 - Private passenger automobile liability (excluding policies issued through the California Automobile Assigned Risk Plan);

Line 21.1 - Private passenger automobile physical damage;

Line 1C - Commercial Fire (excluding policies issued through the California FAIR Plan and excluding commercial policies for which the annual premium is more than $7,500);

Line 5.1 - Commercial multiple peril - NonLiability (excluding policies for which the annual premium is more than $7,500);

Line 5.2 - Commercial multiple peril - Liability (excluding policies for which the annual premium is more than $7,500);

Line 17 - Liability other than automobile (excluding professional liability coverages and excluding commercial policies for which the annual premium is more than $7,500);

Line 19.4 - Commercial automobile liability (excluding policies issued through the California Automobile Assigned Risk Plan and excluding policies for which the annual premium is more than $7,500);

Line 21.2 - Commercial automobile physical damage (excluding policies for which the annual premium is more than $7,500).

Earned Exposure

The term earned is defined as a condition where the exposure is recognized by the insurance company after time has passed and the insurance company has delivered the services promised under the insurance policy. Furthermore, an exposure is defined as the risk or loss potential an insurance company assumes from its policyholder in exchange for premium.

Agents or Agencies

The number of agents or agencies in this report represent the two marketing systems available (independent and/or captive).

Servicing Offices

Servicing offices consist of claim service, marketing, and/or sales office.

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