State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Which statement best describes blanket insurance?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Blanket insurance, defined in CIC Section 10270.2, covers a group of persons by description, such as all students of a school or all members of an association, for specified circumstances, without individually naming each insured or issuing individual policies. It is a low-cost way to cover classes of people exposed to common risks. Coverage attaches by membership in the described class, which makes blanket insurance simple to administer and distinctly different from individually issued coverage.
Why the other options are wrong
- A) Naming one specific individual describes individual insurance, not blanket coverage of a described class of persons.
- B) Blanket policies do not issue individual policies or certificates to each member; coverage attaches by the class description.
- D) Blanket insurance is not limited to catastrophic losses or to a single employer; it covers broad classes for specified circumstances.
Memory hook
Blanket = everyone in this group is covered, no names required. Show your class membership, not your policy.