The classes of insurance (Ins. Code §§100-124)
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§100 lists the classes; homeowners is a package policy, not a class.
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Casualty license = legal liability; property license = loss to the insured's own property (§1625).
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§120 miscellaneous applies only if no other class fits.
Fire, marine, plate glass, burglary and sprinkler
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Fire §102(b) on money excludes forgery and insiders' dishonesty; §102(c) floater excludes merchandise.
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Marine = transit, from packing to delivery; not autos or aircraft under their own power; §103(b) excludes life and surety.
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Burglary includes theft without forced entry; sprinkler leakage needs no fire.
Liability, workers’ compensation, common carrier, boiler and machinery, team and vehicle
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Medical payments issued with liability insurance = liability class (§108(b)(1)), not disability.
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Workers' comp = employees injured on the job; common carrier = injury to any person, not cargo.
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Boiler and machinery = own property loss + liability from boiler or pipe accidents.
Surety, credit, automobile and aircraft
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Surety = guarantee behavior or performance (court bonds included); not payments secured by real estate liens.
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Credit = someone fails to pay the insured; liability = the insured owes others.
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Breakdown repair promise = auto insurance unless a Part 8 service contract; stored aircraft = aircraft class.