State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California Insurance Code Section 10270.2, blanket insurance is characterized by:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC Section 10270.2 defines blanket insurance as coverage of specified circumstances that insures, by description, all or nearly all persons in a defined class under a policy issued to a master policyholder — without naming each person or issuing a certificate to each. It is issued to entities such as schools, sports teams and camps, volunteer fire departments, common carriers, and religious or charitable organizations for defined hazards or activities. Blanket policies may not be marketed as a substitute for ACA-compliant health coverage.
Why the other options are wrong
- B) Blanket insurance is issued to a master policyholder and covers the class by description; it is not issued as individual policies to each member.
- C) Blanket coverage is entirely voluntary and available only to permitted categories of policyholders; it is not mandated for employers.
- D) No medical examination is required; blanket policies cover classes by description without individual underwriting.
Memory hook
Blanket = one policy, a whole class, no names on the tag. The group is covered by description, not by roster.