State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under CIC Section 10270.2, blanket insurance is best defined as a policy that:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC 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 the policy — for example, students at a school, campers, or members of a sports team — without naming individuals by certificate. It is issued to a master policyholder such as a school, camp, or organization. Blanket policies are a special form of disability insurance under California law.
Why the other options are wrong
- B) Blanket coverage insures a defined class by description; it does not cover named family members of the policyholder.
- C) Blanket insurance does not require individual applications or individual underwriting; that would defeat its purpose.
- D) Coverage may be limited to specified activities or hazards defined in the policy, but it is not limited to workplace losses.
Memory hook
Blanket = covers a class by description, not by name. Think school, camp, or sports team.