State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California Insurance Code Section 10270.2, a blanket policy is best described as one that:
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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 described class — college students, sports team participants, volunteer fire departments, or newspaper carriers — by description rather than by naming each individual. The policy is issued to a master policyholder, and no individual certificates are required, although a statement of coverage may be given to eligible persons.
Why the other options are wrong
- B) Blanket policies cover a class without individual underwriting, medical exams, or naming of individuals.
- C) Members do not receive separate policies; one master contract covers the entire described class.
- D) Blanket insurance extends well beyond employer groups to schools, teams, volunteer organizations, and common carriers.
Memory hook
Blanket = one policy wraps a whole class by description — students, teams, volunteers — no names, no exams.