State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
A blanket disability policy under California Insurance Code Section 10270.2 is best described as a policy that:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under California Insurance Code Section 10270.2, blanket insurance covers all or nearly all persons in a described class without naming them individually in the policy. Typical examples include policies issued to schools covering students, to camps covering campers, or to sports teams covering participants. No individual certificates are required, and eligible persons are insured by description. Because the members of the class cannot be identified in advance, blanket policies are a special category of group coverage distinct from ordinary employer groups.
Why the other options are wrong
- B) Blanket policies insure by description of the class, not by naming individuals, and they do not require individual certificates for each covered person.
- C) A blanket policy is issued to a master policyholder such as a school or camp for a class of persons, not to one individual for that person alone.
- D) Blanket insurance under Section 10270.2 covers disability and related benefits for persons, not property damage for businesses.
Memory hook
Blanket = covers the class by description. Students, campers, teams: nobody named, everybody in.