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CA Department of Insurance

About the Department


The California Department of Insurance (CDI) was created in 1868 as part of a national system of state-based insurance regulation. The insurance marketplace has changed dramatically over time, but consumer protection continues to be the core of CDI's mission.

Today, CDI is the largest consumer protection agency in the state. California is the largest insurance market in the United States and the sixth largest insurance market in the world.

More than 1,300 dedicated employees work at CDI to oversee more than 1,300 insurance companies and license more than 390,000 agents, brokers, adjusters, and business entities. In the normal course of business, CDI annually processes more than 7,000 rate applications, issues approximately 180,000 licenses (new and renewals) and performs hundreds of financial reviews and examinations of insurers doing business in California. CDI annually receives more than 170,000 consumer assistance calls, investigates more than 35,000 consumer complaints and, as a result, recovers more than $84 million a year for consumers. CDI also annually receives and processes roughly 29,000 referrals regarding suspected fraud against insurers and others and conducts criminal investigations resulting in roughly 800 arrests.

All of CDI's functions, including overseeing insurer solvency, licensing agents and brokers, conducting market conduct reviews, resolving consumer complaints, and investigating and prosecuting insurance fraud, are to protect consumers.

Consumers, insurance companies, and licensees rely on CDI to ensure that insurance products and services are available to consumers in a timely way, and that they deliver fair and equal benefits. To meet these expectations, CDI ensures that insurers are solvent, consumer complaints are addressed in a reasonable manner, and insurers and licensees play fairly in the marketplace. CDI regulates insurers with more than $288 billion in annual direct premiums.

In 1988, California voters passed Proposition 103, a citizen-led initiative. Proposition 103 expanded CDI's authority as well as changed the Insurance Commissioner from an appointee of the Governor to an independent statewide officer elected by popular vote. Proposition 103 also required prior approvals of property and casualty rates, including personal auto and homeowner insurance.

CDI enforces the insurance laws of California and has authority over how insurers and licensees conduct business in California.

License fees, assessments, and Proposition 103 recoupment fees are the primary sources of funding for CDI.


CDI's work is accomplished through the following twelve branches:

Consumer Services and Market Conduct: Educates consumers, mediates consumer complaints and enforces insurance laws through investigation of consumer complaints against insurers and licensees and examinations of insurer claims and underwriting files.

Health Policy and Reform: Helps oversee state-level efforts to implement federal health care reform in health insurance and assists in the development of health-related policy initiatives.

Rate Regulation: Analyzes and approves filings submitted by property and casualty insurers and other insurance organizations under California's statutes relating to prior approval of rates.

Enforcement: Investigates criminal and regulatory violations, including fraud.

Financial Surveillance: Conducts risk-focused financial surveillance of the insurance industry to ensure it can provide the benefits and protections promised to California citizens.

Legal/General Counsel: Ensures compliance with the California Insurance Code by all insurers and licensees and assists with legislative and regulatory initiatives.

Special Counsel to the Commissioner: Provides independent legal advice directly to the Insurance Commissioner, provides oversight of Department Rulemaking Projects and Regulations, directs the interaction with the National Association of Insurance Commissioner (NAIC), and manages various special projects and Commissioner-initiatives.

Legislative: Pursues CDI's legislative agenda and represents the Insurance Commissioner on all state and federal legislative issues before the State Legislature and the U.S. Congress in collaboration with the Governor's Administration, legislators and a myriad of stakeholders.

Community Programs & Policy Initiatives: Connects CDI with consumers by creating and sustaining partnerships with community groups, consumer organizations, small businesses, nonprofits, insurance industry organizations, federal, state and local government entities and individuals. This office is also responsible for analyzing emerging insurance issues with policy implications and helps implement policy initiatives.

Communications and Press Relations: Coordinates and disseminates CDI's message and objectives to consumers, the industry, media and CDI staff.

Administration and Licensing Services: Provides administrative support services to all CDI programs and licenses over 320,000 agents, brokers, adjusters and business entities.

And these four offices and bureau:

Office of Civil Rights

Organizational Accountability Office

Office of Strategic Planning

Conservation & Liquidation Office


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