Company Complaint Information

Company Profile



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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
2018	23	6	4	13	4
2017	15	8	2	5	2
2016	11	5	3	3	3

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
2018	Misc Lines	CCR	2695.10b	Must accept or deny surety claim within 40 calendar days or send letter. Denial must cite statute or bond provision. CDI language.	2
2018	Misc Lines	CCR	2695.7b	Must accept/deny or provide written delay notice within 40 calendar days of proof of claim.	1
2018	Misc Lines	CCR	2695.5e3	Must begin investigation within 15 calendar days of notification of claim.	1
2018	Misc Lines	CCR	2695.5e2	Must supply forms, instructions & assistance within 15 calendar days of claim notification.	1
2018	Misc Lines	CCR	2695.10c	Must notify in writing every 30 calendar days if more time is required to investigate surety.	1
2018	Misc Lines	CCR	2695.10d	Must perform diligent investigation;not request unnecessary information (Surety).	1
2018	Misc Lines	CCR	2695.7c1	Must notify in writing every 30 calendar days if more time is required to investigate claim.	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
2018	Commercial Auto	.00	.163	.00	.00
2018	Surety and Fidelity	.16	.251	26.67	106.25
2018	Workers Compensation	.00	.807	.00	.00
2018	Commercial Multi-Peril	.00	.826	.00	.00

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