Company Profile
Company Complaint Information


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
2020 276 50 89 137 14
2019 231 42 91 98 22
2018 193 49 77 67 16

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
2020 Fire CIC 790.03h1 Misrepresenting facts or policy provisions. 1
2020 Fire CIC 880 Failure of insurer to use own name 1
2020 Homeowners CCR 2694a5 Failed to respond or did not provide a complete response 2
2020 Homeowners CIC 678(c)(1) For nonrenewals on or effective July 1, 2020, an insurer shall deliver to the named insured a notice of non-renewal at least 75 da 1
2020 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 3
2020 Homeowners CIC 791.28 Residential Property; Insurer must disclose to insured that it reports claims info to claims info database. 2
2020 Homeowners CCR 2695.7b3 Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance. 1
2020 Homeowners CCR 2695.7c1 Must notify in writing every 30 calendar days if more time is required to investigate claim. 1
2020 Homeowners CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 1
2020 Homeowners CIC 790.03h5 Not attempting to effectuate prompt, fair, & equitable settlement when liability clear. 1
2020 Homeowners CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 2
2020 Homeowners CCR 2360.2 Eligibility guidelines 5
2020 Homeowners CIC 1857 Maintenance of records 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
2020 Commercial Multi-Peril .00 4.337 .00 .00
2020 Homeowners 1.42 8.309 3.15 .38

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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