CALIFORNIA LEGISLATURE 20172018 REGULAR SESSION Assembly Bill No. 407Introduced by Assembly Members Bigelow, Patterson, and Cooley(Coauthors: Assembly Members Flora, Fong, Gallagher, Gray, and Mathis)(Coauthors: Senators Berryhill, Cannella, Gaines, Galgiani, Nielsen, and Vidak)February 09, 2017 An act to amend Section 9095 of the Insurance Code, relating to insurance. LEGISLATIVE COUNSEL'S DIGESTAB 407, as introduced, Bigelow. Fraternal fire insurers: coverage.Existing law authorizes certain nontraditional insurers, including religious organizations meeting specified criteria, to insure against specified risks. Existing law authorizes these associations to insure against a specified list of losses, including, but not limited to, vandalism or malicious mischief, falling trees, burglary and theft, and mysterious disappearance.This bill would add insuring against liability to the list of insurable losses.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: NO Local Program: NO Bill TextThe people of the State of California do enact as follows:SECTION 1. Section 9095 of the Insurance Code is amended to read:9095. (a) (1) An association may, if it has issued an insurance policy against fire, endorse that policy to extend the coverage thereof to include loss or damage caused by windstorm, cyclone, tornado and hail, explosion, riot, riot attending a strike, aircraft, vehicles and smoke, and to include waiver of the fallen building clause. An association may also insure against (a) water damage from plumbing and heating systems, (b) rupture or bursting of steam or hot water heating system, (c) vandalism or malicious mischief, (d) vehicles owned or operated by the insured or by any tenant of the described premises, (e) glass breakage, (f) ice, snow and freezing, (g) fall of trees, (h) collapse, (i) burglary and theft, and (j) mysterious disappearance.(2) An association may also insure against all of the following:(A) Water damage from plumbing and heating systems.(B) Rupture or bursting of steam or hot water heating system.(C) Vandalism or malicious mischief.(D) Vehicles owned or operated by the insured or by any tenant of the described premises.(E) Glass breakage.(F) Ice, snow, and freezing.(G) Fall of trees.(H) Collapse.(I) Burglary and theft.(J) Mysterious disappearance.(K) Liability.As(b) As used in this section explosion does not include explosions (a) (1) of any boiler, heater, or other fired pressure vessel, caused by pressure of contents, (b) (2) of any unfired pressure vessel or of any piping caused by pressure of contents or vacuum, (c) (3) of any engine, turbine, compressor, pump, or wheel, (d) (4) of any electrical apparatus, or (e) (5) of any other machine having moving or rotating parts. This restricted definition of explosion does not exclude loss or damage by fire only where fire ensues.As(c) As used in this paragraph, section, the terms boiler, heater, and pressure vessel, do not include hot water heaters used solely to provide hot water for delivery to faucets for domestic purposes and having a storage capacity of not more than 50 gallons.
CALIFORNIA LEGISLATURE 20172018 REGULAR SESSION Assembly Bill No. 407Introduced by Assembly Members Bigelow, Patterson, and Cooley(Coauthors: Assembly Members Flora, Fong, Gallagher, Gray, and Mathis)(Coauthors: Senators Berryhill, Cannella, Gaines, Galgiani, Nielsen, and Vidak)February 09, 2017 An act to amend Section 9095 of the Insurance Code, relating to insurance. LEGISLATIVE COUNSEL'S DIGESTAB 407, as introduced, Bigelow. Fraternal fire insurers: coverage.Existing law authorizes certain nontraditional insurers, including religious organizations meeting specified criteria, to insure against specified risks. Existing law authorizes these associations to insure against a specified list of losses, including, but not limited to, vandalism or malicious mischief, falling trees, burglary and theft, and mysterious disappearance.This bill would add insuring against liability to the list of insurable losses.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: NO Local Program: NO
CALIFORNIA LEGISLATURE 20172018 REGULAR SESSION
Assembly Bill No. 407
Introduced by Assembly Members Bigelow, Patterson, and Cooley(Coauthors: Assembly Members Flora, Fong, Gallagher, Gray, and Mathis)(Coauthors: Senators Berryhill, Cannella, Gaines, Galgiani, Nielsen, and Vidak)February 09, 2017
Introduced by Assembly Members Bigelow, Patterson, and Cooley(Coauthors: Assembly Members Flora, Fong, Gallagher, Gray, and Mathis)(Coauthors: Senators Berryhill, Cannella, Gaines, Galgiani, Nielsen, and Vidak)
February 09, 2017
An act to amend Section 9095 of the Insurance Code, relating to insurance.
LEGISLATIVE COUNSEL'S DIGEST
## LEGISLATIVE COUNSEL'S DIGEST
AB 407, as introduced, Bigelow. Fraternal fire insurers: coverage.
Existing law authorizes certain nontraditional insurers, including religious organizations meeting specified criteria, to insure against specified risks. Existing law authorizes these associations to insure against a specified list of losses, including, but not limited to, vandalism or malicious mischief, falling trees, burglary and theft, and mysterious disappearance.This bill would add insuring against liability to the list of insurable losses.
Existing law authorizes certain nontraditional insurers, including religious organizations meeting specified criteria, to insure against specified risks. Existing law authorizes these associations to insure against a specified list of losses, including, but not limited to, vandalism or malicious mischief, falling trees, burglary and theft, and mysterious disappearance.
This bill would add insuring against liability to the list of insurable losses.
## Digest Key
## Bill Text
The people of the State of California do enact as follows:SECTION 1. Section 9095 of the Insurance Code is amended to read:9095. (a) (1) An association may, if it has issued an insurance policy against fire, endorse that policy to extend the coverage thereof to include loss or damage caused by windstorm, cyclone, tornado and hail, explosion, riot, riot attending a strike, aircraft, vehicles and smoke, and to include waiver of the fallen building clause. An association may also insure against (a) water damage from plumbing and heating systems, (b) rupture or bursting of steam or hot water heating system, (c) vandalism or malicious mischief, (d) vehicles owned or operated by the insured or by any tenant of the described premises, (e) glass breakage, (f) ice, snow and freezing, (g) fall of trees, (h) collapse, (i) burglary and theft, and (j) mysterious disappearance.(2) An association may also insure against all of the following:(A) Water damage from plumbing and heating systems.(B) Rupture or bursting of steam or hot water heating system.(C) Vandalism or malicious mischief.(D) Vehicles owned or operated by the insured or by any tenant of the described premises.(E) Glass breakage.(F) Ice, snow, and freezing.(G) Fall of trees.(H) Collapse.(I) Burglary and theft.(J) Mysterious disappearance.(K) Liability.As(b) As used in this section explosion does not include explosions (a) (1) of any boiler, heater, or other fired pressure vessel, caused by pressure of contents, (b) (2) of any unfired pressure vessel or of any piping caused by pressure of contents or vacuum, (c) (3) of any engine, turbine, compressor, pump, or wheel, (d) (4) of any electrical apparatus, or (e) (5) of any other machine having moving or rotating parts. This restricted definition of explosion does not exclude loss or damage by fire only where fire ensues.As(c) As used in this paragraph, section, the terms boiler, heater, and pressure vessel, do not include hot water heaters used solely to provide hot water for delivery to faucets for domestic purposes and having a storage capacity of not more than 50 gallons.
The people of the State of California do enact as follows:
## The people of the State of California do enact as follows:
SECTION 1. Section 9095 of the Insurance Code is amended to read:9095. (a) (1) An association may, if it has issued an insurance policy against fire, endorse that policy to extend the coverage thereof to include loss or damage caused by windstorm, cyclone, tornado and hail, explosion, riot, riot attending a strike, aircraft, vehicles and smoke, and to include waiver of the fallen building clause. An association may also insure against (a) water damage from plumbing and heating systems, (b) rupture or bursting of steam or hot water heating system, (c) vandalism or malicious mischief, (d) vehicles owned or operated by the insured or by any tenant of the described premises, (e) glass breakage, (f) ice, snow and freezing, (g) fall of trees, (h) collapse, (i) burglary and theft, and (j) mysterious disappearance.(2) An association may also insure against all of the following:(A) Water damage from plumbing and heating systems.(B) Rupture or bursting of steam or hot water heating system.(C) Vandalism or malicious mischief.(D) Vehicles owned or operated by the insured or by any tenant of the described premises.(E) Glass breakage.(F) Ice, snow, and freezing.(G) Fall of trees.(H) Collapse.(I) Burglary and theft.(J) Mysterious disappearance.(K) Liability.As(b) As used in this section explosion does not include explosions (a) (1) of any boiler, heater, or other fired pressure vessel, caused by pressure of contents, (b) (2) of any unfired pressure vessel or of any piping caused by pressure of contents or vacuum, (c) (3) of any engine, turbine, compressor, pump, or wheel, (d) (4) of any electrical apparatus, or (e) (5) of any other machine having moving or rotating parts. This restricted definition of explosion does not exclude loss or damage by fire only where fire ensues.As(c) As used in this paragraph, section, the terms boiler, heater, and pressure vessel, do not include hot water heaters used solely to provide hot water for delivery to faucets for domestic purposes and having a storage capacity of not more than 50 gallons.
SECTION 1. Section 9095 of the Insurance Code is amended to read:
### SECTION 1.
9095. (a) (1) An association may, if it has issued an insurance policy against fire, endorse that policy to extend the coverage thereof to include loss or damage caused by windstorm, cyclone, tornado and hail, explosion, riot, riot attending a strike, aircraft, vehicles and smoke, and to include waiver of the fallen building clause. An association may also insure against (a) water damage from plumbing and heating systems, (b) rupture or bursting of steam or hot water heating system, (c) vandalism or malicious mischief, (d) vehicles owned or operated by the insured or by any tenant of the described premises, (e) glass breakage, (f) ice, snow and freezing, (g) fall of trees, (h) collapse, (i) burglary and theft, and (j) mysterious disappearance.(2) An association may also insure against all of the following:(A) Water damage from plumbing and heating systems.(B) Rupture or bursting of steam or hot water heating system.(C) Vandalism or malicious mischief.(D) Vehicles owned or operated by the insured or by any tenant of the described premises.(E) Glass breakage.(F) Ice, snow, and freezing.(G) Fall of trees.(H) Collapse.(I) Burglary and theft.(J) Mysterious disappearance.(K) Liability.As(b) As used in this section explosion does not include explosions (a) (1) of any boiler, heater, or other fired pressure vessel, caused by pressure of contents, (b) (2) of any unfired pressure vessel or of any piping caused by pressure of contents or vacuum, (c) (3) of any engine, turbine, compressor, pump, or wheel, (d) (4) of any electrical apparatus, or (e) (5) of any other machine having moving or rotating parts. This restricted definition of explosion does not exclude loss or damage by fire only where fire ensues.As(c) As used in this paragraph, section, the terms boiler, heater, and pressure vessel, do not include hot water heaters used solely to provide hot water for delivery to faucets for domestic purposes and having a storage capacity of not more than 50 gallons.
9095. (a) (1) An association may, if it has issued an insurance policy against fire, endorse that policy to extend the coverage thereof to include loss or damage caused by windstorm, cyclone, tornado and hail, explosion, riot, riot attending a strike, aircraft, vehicles and smoke, and to include waiver of the fallen building clause. An association may also insure against (a) water damage from plumbing and heating systems, (b) rupture or bursting of steam or hot water heating system, (c) vandalism or malicious mischief, (d) vehicles owned or operated by the insured or by any tenant of the described premises, (e) glass breakage, (f) ice, snow and freezing, (g) fall of trees, (h) collapse, (i) burglary and theft, and (j) mysterious disappearance.(2) An association may also insure against all of the following:(A) Water damage from plumbing and heating systems.(B) Rupture or bursting of steam or hot water heating system.(C) Vandalism or malicious mischief.(D) Vehicles owned or operated by the insured or by any tenant of the described premises.(E) Glass breakage.(F) Ice, snow, and freezing.(G) Fall of trees.(H) Collapse.(I) Burglary and theft.(J) Mysterious disappearance.(K) Liability.As(b) As used in this section explosion does not include explosions (a) (1) of any boiler, heater, or other fired pressure vessel, caused by pressure of contents, (b) (2) of any unfired pressure vessel or of any piping caused by pressure of contents or vacuum, (c) (3) of any engine, turbine, compressor, pump, or wheel, (d) (4) of any electrical apparatus, or (e) (5) of any other machine having moving or rotating parts. This restricted definition of explosion does not exclude loss or damage by fire only where fire ensues.As(c) As used in this paragraph, section, the terms boiler, heater, and pressure vessel, do not include hot water heaters used solely to provide hot water for delivery to faucets for domestic purposes and having a storage capacity of not more than 50 gallons.
9095. (a) (1) An association may, if it has issued an insurance policy against fire, endorse that policy to extend the coverage thereof to include loss or damage caused by windstorm, cyclone, tornado and hail, explosion, riot, riot attending a strike, aircraft, vehicles and smoke, and to include waiver of the fallen building clause. An association may also insure against (a) water damage from plumbing and heating systems, (b) rupture or bursting of steam or hot water heating system, (c) vandalism or malicious mischief, (d) vehicles owned or operated by the insured or by any tenant of the described premises, (e) glass breakage, (f) ice, snow and freezing, (g) fall of trees, (h) collapse, (i) burglary and theft, and (j) mysterious disappearance.(2) An association may also insure against all of the following:(A) Water damage from plumbing and heating systems.(B) Rupture or bursting of steam or hot water heating system.(C) Vandalism or malicious mischief.(D) Vehicles owned or operated by the insured or by any tenant of the described premises.(E) Glass breakage.(F) Ice, snow, and freezing.(G) Fall of trees.(H) Collapse.(I) Burglary and theft.(J) Mysterious disappearance.(K) Liability.As(b) As used in this section explosion does not include explosions (a) (1) of any boiler, heater, or other fired pressure vessel, caused by pressure of contents, (b) (2) of any unfired pressure vessel or of any piping caused by pressure of contents or vacuum, (c) (3) of any engine, turbine, compressor, pump, or wheel, (d) (4) of any electrical apparatus, or (e) (5) of any other machine having moving or rotating parts. This restricted definition of explosion does not exclude loss or damage by fire only where fire ensues.As(c) As used in this paragraph, section, the terms boiler, heater, and pressure vessel, do not include hot water heaters used solely to provide hot water for delivery to faucets for domestic purposes and having a storage capacity of not more than 50 gallons.
9095. (a) (1) An association may, if it has issued an insurance policy against fire, endorse that policy to extend the coverage thereof to include loss or damage caused by windstorm, cyclone, tornado and hail, explosion, riot, riot attending a strike, aircraft, vehicles and smoke, and to include waiver of the fallen building clause. An association may also insure against (a) water damage from plumbing and heating systems, (b) rupture or bursting of steam or hot water heating system, (c) vandalism or malicious mischief, (d) vehicles owned or operated by the insured or by any tenant of the described premises, (e) glass breakage, (f) ice, snow and freezing, (g) fall of trees, (h) collapse, (i) burglary and theft, and (j) mysterious disappearance.
(2) An association may also insure against all of the following:
(A) Water damage from plumbing and heating systems.
(B) Rupture or bursting of steam or hot water heating system.
(C) Vandalism or malicious mischief.
(D) Vehicles owned or operated by the insured or by any tenant of the described premises.
(E) Glass breakage.
(F) Ice, snow, and freezing.
(G) Fall of trees.
(H) Collapse.
(I) Burglary and theft.
(J) Mysterious disappearance.
(K) Liability.
As
(b) As used in this section explosion does not include explosions (a) (1) of any boiler, heater, or other fired pressure vessel, caused by pressure of contents, (b) (2) of any unfired pressure vessel or of any piping caused by pressure of contents or vacuum, (c) (3) of any engine, turbine, compressor, pump, or wheel, (d) (4) of any electrical apparatus, or (e) (5) of any other machine having moving or rotating parts. This restricted definition of explosion does not exclude loss or damage by fire only where fire ensues.
As
(c) As used in this paragraph, section, the terms boiler, heater, and pressure vessel, do not include hot water heaters used solely to provide hot water for delivery to faucets for domestic purposes and having a storage capacity of not more than 50 gallons.