Company Profile
Company Complaint Information

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Company Performance
In compliance with California Insurance Code § 12921.1, the California Department of Insurance conducted a Consumer Complaint Study of all admitted insurance carriers. The company performance table provides the complaints determined by the department to require that corrective action be taken against the insurer, or leading to insurer compromise, or other remedy for the complainant, those that are found to be without merit, those with other outcomes, and justified complaints. Justified complaints often require additional review, as violations of California insurance laws may exist.

Year Closed Complaints
(TOTAL of Categories 1-3)
Category 1:
Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.
Category 2:
Complaints found to be without Merit.
Category 3:
Complaints with Other Outcomes
Category 4:
Justified Complaints
2019 36 8 9 19 5
2018 39 13 16 10 3
2017 41 7 18 16 5

Violation Study

The following table represents number and type of violations found, by reference to the line of insurance and law allegedly violated.

Year Line of Coverage Law Section Summarized Description of Law # of Alleged Violations
2019 Fire CIC 677 Cancellation notice requirements 1
2019 Fire CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 1
2019 Fire CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2019 Fire CCR 2695.7b1 Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. 1
2019 Homeowners CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 1
2019 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2019 Homeowners CCR 2695.183(g)(1) HO company must provide insured with copy of replacement cost estimate 1
2019 Homeowners CIC 1857 Maintenance of records 1
2019 Homeowners CIC 10095(h) Every insurer member of the plan shall provided to applicants who are denied coverage the toll free number for the CA FAIR Plan 1
2019 Homeowners CCR 2360.2 Eligibility guidelines 1
2019 Homeowners CCR 2695.183(j) Communicating an estimate of replacement not comporting with sections a-e is misleading 1
2019 Liability CCR 2694a5 Failed to respond or did not provide a complete response 1

If complaint data does not appear for this company, this link will provide you with an explanation.
To view the California Insurance Code (CIC), Click here
To view the California Code of Regulations (CCR), Click here

Comparison Data

The information below is for complaints closed during the study period for this insurance company. The table provides the Justified Complaint Ratio, Market Share, Complaint Share, and Index for this company, grouped by the line of coverage the company was authorized to sell in this study period.

Year Line of Coverage JustifiedComplaint Ratio Market Share Complaint Share Index
2019 Homeowners 21.64 .120 .61 5.08
2019 Workers Compensation .00 .831 .00 .00
2019 Commercial Multi-Peril .00 4.073 5.56 1.37

If complaint data does not appear for this company, this link will provide you with an explanation.


Last Revised - December 03, 2007 11:57 AM
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