State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California law, which statement correctly describes blanket insurance?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 10270.2 defines blanket insurance as coverage for specified circumstances that insures all or nearly all persons within a defined class (such as students of a school, members of a sports team, or employees of a sponsoring organization) without specifically naming the individuals. It is issued to a master policyholder. This eliminates the need to identify each insured at issue and allows flexible, economical coverage.
Why the other options are wrong
- B) Blanket insurance does not require individual certificates for each covered person, although a statement of coverage may be provided.
- C) Blanket insurance covers a class, not a single named individual.
- D) The $20,000 threshold relates to funeral or burial policies, not blanket insurance.
Memory hook
Blanket = one policy wraps a whole class, no name tags. Students, teams, and crowds are covered by description.