Company Complaint Information

Company Profile



,


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
2023	279	71	100	108	13
2022	230	62	104	64	20
2021	213	72	102	39	29

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
2023	Fire	CIC	1861.05a	Excessive, inadequate, unfairly discriminatory rates	1
2023	Fire	CIC	678.1(c)	Commercial policy nonrenewal notice must be provided at least 60 days but no more than 120 in advance; reasons provided if nonrenewed or to conditional renewal.	1
2023	Fire	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	1
2023	Homeowners	CCR	2695.5(a)	Must respond to the California Department of Insurance within 21 calendar days.	2
2023	Homeowners	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	3
2023	Homeowners	CIC	14046(b)	Within 15 days after notice of claim, insurer must provide claimant with copy of annual CDI notice describing the most significant insurance laws pertaining to property insurance policies.	1
2023	Homeowners	CIC	880	Failure of insurer to use own name	1
2023	Homeowners	CIC	678(c)(1)	Nonrenewals on or after 7/1/2020 shall require at least 75 days notice prior to expiration; notices issued effective 7/1/22 must comply with CCP 1013 if mailed.	2
2023	Homeowners	CIC	677	Cancellation notice requirements	1
2023	Homeowners	CIC	1861.05a	Excessive, inadequate, unfairly discriminatory rates	1
2023	Misc Lines	CCR	2695.7(b)	Upon receiving proof of claim, insurer shall immediately but in no event more than 40 calendar days accept or deny claim.	1
2023	Misc Lines	CCR	2695.5(a)	Must respond to the California Department of Insurance within 21 calendar days.	1
2023	Misc Lines	CCR	2695.5(b)	Must provide complete response to claimant inquiries within 15 calendar days.	1
2023	Misc Lines	CCR	2695.7(c)(1)	Must notify in writing every 30 calendar days if more time is required to investigate claim.	2
2023	Misc Lines	CCR	2695.7(b)(1)	Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims.	1
2023	Misc Lines	CCR	2695.3(a)	File must contain all documents.	1
2023	Misc Lines	CCR	2695.5(e)(1)	Must acknowledge notice of claim within 15 calendar days unless payment is made.	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
2023	Workers Compensation	.00	.164	.00	.00
2023	Commercial Multi-Peril	.02	1.681	4.76	2.83
2023	Commercial Auto	.00	1.741	.00	.00
2023	Surety and Fidelity	.00	1.878	.00	.00
2023	Homeowners	2.25	2.071	.79	.38

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