State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under California Section 10270.2, blanket insurance is characterized by:
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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 by description all or nearly all persons within a class defined in a policy issued to a master policyholder, such as students of a school, members of a sports team, or passengers of a common carrier, without specifically naming each covered person. Because coverage attaches by membership in the class, no individual evidence of insurability is required, and the policyholder administers the coverage.
Why the other options are wrong
- B) Blanket insurance covers by class description and does not issue certificates naming each individual.
- C) Blanket policies cover classes like students, athletes, or travelers, not only blood relatives.
- D) No individual underwriting applies because all members of the described class are covered.
Memory hook
Blanket = coverage by class description, not by name. Everyone in the group is in.