State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Blanket disability insurance under California Insurance Code Section 10270.2 differs from ordinary group insurance because it:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Blanket insurance under Section 10270.2 covers all or nearly all persons within a defined class by description, such as students of a school, members of a sports team, campers, or passengers of a common carrier, without specifically naming or individually enrolling each covered person. No individual certificates are required. The master policyholder selects the class and the specified circumstances, and coverage is automatic for everyone who falls within the class description.
Why the other options are wrong
- A) Blanket policies deliberately do not name each insured or issue individual certificates; a statement of coverage may be given but is not required for each person.
- B) Blanket insurance is issued to a master policyholder such as a school, sports team, or carrier, not to individual policyholders.
- C) Blanket insurance is a disability policy, not workers' compensation, and Section 10270.2 expressly states it does not constitute workers' compensation insurance.
Memory hook
Blanket = one policy covers the whole class by description. If you are on the team or in the school, you are covered.