Top 10 Insurance Companies By The Metrics

Top 10 Insurance Companies By The Metrics

There are a number of ways to rank the size of insurance companies. Companies can be measured by their market capitalization (the value of the company on a stock exchange) or by using sales figures, such as net premiums written in a year or how many policies were sold.

Key Takeaways

  • Insurance companies are important players in the global financial economy, although they may not be as flashy as investment banks or hedge funds.
  • Insurance companies come in many sizes and specialize in different policy lines, from health to life to property & casualty.
  • Here we compare some of the largest insurers by market cap and by premium sales.

Largest by Market Capitalization

Investors can buy shares of publicly traded companies in the insurance industry. The largest insurance companies as of 2018 by market capitalization on the world stock exchanges were:

Non-health Insurance Companies:

Company Name Market Capitalization
Berkshire Hathaway (
$308 billion
China Life Insurance ( LFC) $80 billion
Allianz (AZSEY) $76.8 billion
American International Group ( AIG) $72.3 billion
Ping An of China (PNGAY) $65.6 billion
MetLife ( MET) $59.4 billion
$57.8 billion
AIA Group Hong Kong (AAIGF) $54.4 billion
ING Groep ( ING) $54.4 billion
Zurich Insurance (ZURVY) $45.4 Billion

(Source: Thompson Reuters)

Health Insurance and Managed Health Care Companies:

Company Name Market Capitalization
United Healthcare ( UNH) $91.8 billion
Wellpoint (
$34.3 billion
Aetna (AET) $29.8 billion
CIGNA Corp. ( CI) $26.8 billion
Humana ( HUM) $21.1 billion
Centene Corp. ( CNC) $5.7 billion
Health Net, Inc. (
$3.9 billion
WellCare Health Plans ( WCG) $3.1 billion
Healthspring (
$3.7 billion
Molina Healthcare ( MOH) $2.4 billion

(Source: Thompson Reuters)

Not all insurance companies are publicly traded. In fact, many insurers are structured as mutual companies where policy holders of participating policies are essentially partial owners of the company. The mutual company model for an insurance company dates back hundred of years, and there are certain benefits conferred on policyholders that do not exist with publicly traded (stock company) insurers.

Largest Insurance Companies by Sales and Product Line

It is useful to differentiate between the type of insurance, or line, that is being considered when considering the largest insurance companies. Using sales data is helpful as some of the largest insurance companies in the United States are not publicly traded and therefore their market value is not easily ascertained.

Property & Casualty

Property casualty insurers write policies covering property such as real estate, dwellings, cars and other vehicles. They also write policies dealing with liabilities that may be incurred by accident or negligence related to those properties to defray the cost of lawsuits or medical damages resulting from such incidents.

The top U.S. property casualty companies in 2018 by net premiums written (the amount of money that non-life policies can expect to receive over the life of the contract, less commissions and costs) are:

Company Net Premiums Written
State Farm Group $64.6 billion
Berkshire Hathaway (BRK.A) $46.0 billion
Allstate Insurance Group ( ALL ) $30.6 billion
Liberty Mutual $28.6 billion
Progressive Insurance Group ( PGR ) $27.1 billion
Travelers Group ( TRV ) $24.5 billion
USAA Group $19.6 billion
Nationwide Group $18.8 billion
Farmers Insurance Group $14.3 billion
American International Group ( AIG ) $14.2 billion

Life Insurance Companies

Life Insurance companies promise to pay out a lump sum benefit upon the death of the insured. Although actuarial science has created mortality tables to accurately estimate the future liability of policies to be paid, having financial strength ensures that these companies can meet all of their obligations while still earning a profit.

Life Insurance companies in the U.S. can be ranked by direct premium written (the amount of new policies written directly and not re-insured). For 2018:

Company Total Direct Premium Market Share
Metropolitan Group ( MET) $12.6 billion 7.87%
Northwestern Mutual $10.1 billion 6.29%
New York Life Group $8.8 billion 5.48%
Prudential of America ( PRU ) $8.6 billion 5.33%
Lincoln National $6.9 billion 4.30%
MassMutual $6.6 billion 4.15%
Aegon ( AEG ) $4.6 billion 2.90%
John Hancock $4.4 billion 2.84%
State Farm $4.0 billion 2.73%
Guardian Life Insurance Co. $3.8 billion 2.38%

Health Insurance Companies

Health insurance companies provide policies to cover all or part of policyholder’s health and medical costs. Policies may be purchased individually or through an employer. Technically, the United States government is the largest health insurance provider in America through the Medicare program, Social Security and with Medicaid administered by individual states.

The largest non-government sponsored U.S. health insurance companies measured by total direct premium collected in 2016 was:

Company Total Direct Premium Market Share
UnitedHealth Group ( UNH) $125 billion 12.90%
Kaiser Foundation Group $72.6 billion 7.46%
Anthem Inc Group $59.8 billion 6.15%
Aetna Group ( AET
$54.3 billion 5.58%
Humana Group $53.8 billion 5.53%
HCSC Group $32.3 billion 3.31%
Centene Corp Group $25.7 billion 2.64%
Cigna Health Group ( CI ) $24.0 billion 2.47%
Molina Healthcare Inc Group $17.8 billion 1.83%
Independence Health Group Inc Group $17.0 billion 1.75%

(Source: NAIC. Note: The sales data on insurance companies is from 2016, the last year of available data.)

The Bottom Line

Ranking the largest insurance companies can be done in a number of ways. Shares of publicly traded companies can be bought to help build a well-diversified investment portfolio that has exposure to the financial and healthcare sectors. Identifying which types of insurance a company primarily deals with helps determine which firms are competitors and which really are not. Looking at sales figures, or premiums collected in a year, one can also see how public companies stack up against privately held or mutual companies which make up a large segment of the industry.

Best International Health Insurance Companies

Finding The Top Global Health Insurance Providers

Finding an international health insurance plan should be at the top of your list of priorities when planning your move abroad. Surprisingly, there are some excellent options from which to choose. And many of these health insurance plans are very affordable, especially when compared to health insurance plans in the US. But which international health insurance companies are the best?

Researching Medical Insurance Companies

The place to start is online. There are many resources to help you make your decision.

  • Learn more about International Health Insurance
  • Review and Compare your Options: Compare Medical Plans
  • Learn about options to cover you for one year or less: Travel Medical Insurance.

Please contact us for guidance on choosing the best health insurance company and the right plan for your individual or group insurance needs. Use the form to the right or submit a quote request online.

What are the Leading Insurance Companies

Below is a comprehensive list of international insurance companies that offer the best in service, benefits, coverage, and rates. As always, review the terms of the policy carefully and discuss with an international insurance broker who can help guide you through the process.

Top Three International Insurance Companies

Cigna Global Insurance was one of the first companies to offer expatriate or global insurance plans and they remain a leading international provider. Free Cigna Quote / Apply. Cigna Global is an excellent option for most internationals living abroad with comprehensive coverage in almost any country.

Cigna Global Medical Health Insurance Plan

  • The flexibility to tailor a plan to suit your individual needs
  • Access to Cigna Global’s network of trusted hospitals, clinics, and doctors
  • The convenience and confidence of 24/7/365 customer service

Plan Details | View Brochure

The Cigna Global plan offers clients a flexible plan design allowing you to pick and choose the benefits you want, and to exclude those you don’t need. Costs can further be managed with multiple deductibles and cost sharing options. Their access to international doctors and hospitals is excellent.

Aetna International – With more than 160 years of experience in healthcare, Aetna has specialized in international benefits insurance for more than 55 years – with a growing global footprint to reach wherever you travel. They have been recognized with such prestigious awards as “Best International Private Health Insurance Provider” and “Health Insurer of the Year.” Free Aetna Quote / Apply. Aetna is a global brand and offers reasonable rates alongside excellent benefits and service.

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Aetna Global Expat Health Cover‎

  • Fortune 100 company with more than 800,000 expatriate members worldwide
  • Access to Annual Health Exams & Medications
  • Talk to global member support 24/7/365

Plan Details | View Brochure

Aetna International offers one plan for US and Canadian citizens, MHP, and another option for residents outside of the US and Canada, Pioneer. Both plans provide rich coverage and a high level of service. Aetna plans are not provided to international citizens residing in the USA and select other countries.

GeoBlue Global Medical – Designed for US citizens abroad or Internationals Residing in the USA. GeoBlue is an independent licensee of the Blue Cross Blue Shield Association and offers both short-term travel medical plans as well as long-term international plans. Blue Cross Blue Shield is a federation of 50 independent health insurance providers in the United States. GeoBlue is a trading name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross Blue Shield Association. GeoBlue Quote / Apply Links

Xplorer Worldwide Medical Plan

  • Premium Benefits, Coverage and Service
  • Define your deductible and prescription benefits
  • For Foreigners in the US or US Citizens Abroad

Plan Details | View Brochure

The GeoBlue Xplorer plan is a premium plan available to US citizens living abroad and expats in the USA. Their base plans are more expensive than some other options but well worth the extra money when you get sick or injured. The premium level plans are priced the same, or less, than other plans with similar levels of cover.

Additional Specialty Health Insurance Companies

Now Health International offers quality medical insurance for internationals living abroad throughout the world. Their Now Health WorldCare Plan‎ offers comprehensive benefits, including cover in the USA, for the discerning client. A more affordable option, as USA cover is excluded, is their SimpleCare Plan‎.

Premier Health, administered by PA Group, is a well recommended international provider focused on providing high-quality global coverage throughout the world. Plans offer residents full coverage in their home country (excluding the USA) and worldwide year-round. Free Premier Health Quote / Apply

International Medical Group – IMG offers the widest range of products, from trip cancellation to long-term international medical plans (IMG Global Medical). For more than 20 years, IMG has provided international medical insurance, travel insurance, and affordable coverage to the international community insuring clients in more than 170 countries worldwide. Free IMG Quote / Apply

IntegraGlobal, a U.K. company that has service offices strategically placed worldwide in Europe, North America, and Asia, specializing in providing health plans to organizations and individuals with unique protection needs, such as expatriates, marine professionals, and specialized risks. IntegraGlobal’s goal is to develop unique international health plans that offer you outstanding protection, excellent value, and hands-on unbeatable personal service. Integra: Integra Quote / Apply Links

Allianz – One of the biggest insurance providers in the world, Allianz is a Germany company. Allianz Worldwide is the international division of Allianz Worldwide Partners and part of the Allianz Group. The company is well known for its international reach, and for providing international health insurance for employees. Free Quote / Apply

BUPA International Plan – Offers over 65 years of expertise and dedication to health. They have a global team of advisers and health experts who, between them, speak multiple languages – and a service that exceeds expectations. These are just a few of the things that make Bupa Global different. Explore how we provide you with world-class cover and stand apart from the rest. Free BUPA Quote / Apply

Review plans available for long term life abroad or short term travel:

  • Learn about options to cover you for one year or less: Travel Insurance Plans.

How to Compare the Best Global Insurance Companies

You are in luck! We have created a simple comparison and reviews of international insurance plans for your research. We include 3 of the top insurance companies to keep it simple. You can compare other companies against these three to ensure they are compared on the same terms. The other considerations are the AM Best ratings of the providers.

The companies listed in our comparison all have A or A- ratings from AM Best. You can do a search here: AM Best Rating Search.

Groups: We offer a wide range of International Group Plans for employees, non-profits, and organizations.

Health Insurers and Insurance Carrier Ratings

In recent years, market instability has made headlines and created financial uncertainty even among the largest companies. So the question arises, how do you know which plans are more financially stable than others?

Dating back to the early 1900s, independent rating agencies were established to evaluate the worthiness of financial instruments of railroad companies. Over the years, multiple rating agencies have developed a more extensive rating standard across various industries. Today, the leading rating agencies include Standard and Poor’s and AM Best.

Typically, these rating agencies use an alphabetical standard to identify which companies have extremely strong financial strength:

  • AM Best uses a scale from A++ (Superior) down to F (Liquidation); According to AM Best, a company with a B+ (Good) or higher rating is classified as financially secure, while any lower rating is categorized as vulnerable.
  • Standard and Poor’s uses a scale from AAA (Extremely Strong) down to CC (Extremely Weak); Standard & Poor’s requires that “all health care insurers in the secure range are expected to maintain at least ‘BBB’ level.”

This rating index is especially important as it will help ensure that your plan will have sufficient funds to pay any claims that you may incur. One of the most important functions of this system is that it also allows you can compare other insurance plans based on industry standards from independent agencies.

Written by Joe Cronin. Joe Cronin is an expert in the areas of global health and international insurance, with specific expertise in advising individuals and groups on international health insurance plans. Follow Joe @Joe_Cronin_Jr

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Residential Property Claims Guide

Related Links

Table of Contents

What May Be Covered by Your Homeowners Policy

  • Additional Living Expenses
  • Personal Property
  • Dwelling
  • Trees and Shrubbery/Debris Removal
  • Water Damage
  • Building Code Upgrades

Request For Assistance Forms

Replacement Cost Versus Actual Cash Value

How The Payment Process Works

What To Do If You Do Not Agree With The Settlement Offer

  • Know Your Rights Under the Unfair Practices Act and the Fair Claims Settlement Practices Regulations
  • Talk to the Claims Manager
  • Contact the California Department of Insurance
  • Consult an Attorney

Talk To Us

What to do After a Loss

Protect the Property

One of the most important things to do after a property loss is make temporary repairs to prevent further damage.

Do your best to protect your property by covering damage in roof, walls, doors, and windows with plastic sheeting or plywood. Homeowners insurance policies may not cover ensuing damage to your property if you have not taken reasonable steps to secure the property from subsequent damage. Be careful not to risk your own safety when making the repairs.

Your insurance company will reimburse you for all reasonable costs to protect your property, as long as you save receipts for any materials you buy. Beware of building contractors that encourage you to spend a lot of money on temporary repairs.

Remember that payments for temporary repairs are part of the total loss settlement. Also, don’t make extensive permanent repairs until after the claims adjuster has been to your home and assessed the damage.

Call Your Insurance Agent or Company Representative

After a property loss you must report the damage to your insurance company agent or representative to start the claim process. Ask questions such as:

  • Does my policy cover the property damage to my home?
  • How long will it take to process my claim?
  • Will I need to obtain estimates for repairs to the structure?
  • What is my deductible? (The deductible is the portion of the loss you pay before your insurance company begins to pay.)

Dealing with Your Insurance Adjuster

Your insurance company may send you a claim form, known as a “proof of loss” form, to complete. Proof of loss is a formal statement made by a policy owner to an insurer regarding a loss. It is intended to provide the insurer with information to determine the extent of its liability.

A claims adjuster, a person professionally trained to assess the damage to your property, may visit your home before you’re asked to complete any forms. The more information you provide about your loss, the sooner your claim can be settled. Your adjuster generally will come prepared to do a thorough and complete evaluation of the damage to your home. If the adjuster is unable to complete a thorough inspection due to time constraints he/she may be forced to “scope the loss.” This is a brief inspection of the damage with a second visit necessary to complete the inspection. The “scope of loss” should include the following:

  1. Degree of damage
  2. Quality of the materials and workmanship
  3. Measurements needed to calculate quantities

The scope differs from the finished estimate in two ways:

  1. The scope does not necessarily list any prices, although prices can be used to describe quality.
  2. The scope does not list the calculated quantities; it includes just the raw counts and measurements needed to calculate quantities for the estimate.

Keep a log of all phone calls and correspondence, and make copies of all correspondence you send to, or receive from, your insurance company.

What may be Covered by Your Homeowners Policy

If your property is not safe for occupancy, keep receipts for all expenses associated with your relocation, such as emergency shelter, clothing, and food. These extra costs may be covered under the “loss-of-use” portion of your policy. You will be required to account for any covered expenses, so be sure to keep all of your bills and receipts. Any advance payments received will be counted toward your final claim settlement. Additional living expenses include items such as food and housing costs, and telephone or utility installation costs in a temporary residence. Also, extra transportation costs to and from work or school, relocation and storage expenses, and furniture rental for temporary residence are eligible under additional living expense coverage. Your insurance company usually advances you money for these extra costs.

Personal Property

Making lists of all damaged items is a good place to start documenting your personal property loss. Include the brand names and model numbers of appliances and electronic equipment. If possible, take photographs of the damage. Don’t forget to list items such as clothing, sports equipment, tools, china, linens, outside furniture, holiday decorations, and hobby materials.

Put together a set of records – old receipts, bills, and Photo-graphs – to help establish the price and age of everything that was damaged. If your property was destroyed or you no longer have any records, you will have to work from memory. Try to picture the contents of every room and then write a description of what was there.

Try also to remember where and when you bought each piece and about how much you paid. Video taping your possessions room-by-room before a loss is an excellent way to document damage to your personal property after a loss. Make sure to keep the video tape at a separate location (such as a safe deposit box), so it is not destroyed. Do not throw out any damaged items until you have been told to do so by the adjuster.


By identifying the structural damage to your home and other buildings on your premises, like a garage, tool shed, or in-ground swimming-pool, you can begin making a list of everything you would like to show the adjuster when he or she arrives. This should include cracks in the walls, damage to the floor or ceiling, and missing roofing tiles. If structural damage is likely, even though you can’t see any signs of it, discuss this with your adjuster. In some cases the adjuster may recommend hiring a licensed engineer to inspect the property. Have the electrical system checked as well. Get written bids from reliable, licensed contractors on the repair work. The bids should include details of the materials to be used, and the prices should be listed on a line-by-line basis.

Trees and Shrubbery/Debris Removal

Trees, shrubs, and other plants are insured on a limited basis. The aggregate limit for a loss under this coverage generally is 5% of the dwelling limit of liability provided as an additional amount of insurance, with a sub-limit of $500.00 (and in some cases $250.00) for loss to any one tree, shrub, or plant. Check the language in your individual policy for the coverage that applies. If a covered loss leaves debris that must be removed, this coverage will allow the insured to apply a certain percentage, generally 5%, of the coverage limit to pay for their removal. These costs are included as part of the limit of liability applicable to covered property.

Water Damage

Homeowners policies do not cover flood damage, but they do cover other kinds of water damage. For example, they would generally pay for damage from rain coming through a hole in the roof or a broken window, as long as the hole was caused by strong winds or any other covered exposure listed in the policy. If there is water damage, check with your insurance company representative as to whether it is covered. (Flood insurance can be purchased as a separate policy in addition to your homeowners policy.)

Never ignore indications of an obvious water problem in your home. Homeowners should immediately attempt to find and stop leaks at the source. When water leaks into your property, moisture can collect, allowing mold to develop. Mold can cause further damage to your property and can potentially cause health problems. The adverse health effects from mold exposure can range from runny noses, coughs, nosebleeds, congestion, and sinusitis to more serious upper respiratory ailments such as asthma or bronchitis. Mold damage caused by a covered peril may be covered under your homeowners policy. You should immediately report any water damage claim to your agent or company representative. They can discuss the type of water or mold damage that may be covered under your policy.

If sudden water damage occurs to your property, it is important to dry all wet areas, providing proper air circulation to aid in the drying process. Drying wet areas and dehumidifying can help minimize the possibility that mold will accompany water damage. Delay in cleanup can result in the growth of mold.

However, if you notice water damage indicating leakage over a period of time, mold may have already developed. In this case, attempting to clean up the mold may spread the mold spores, causing greater property damage or health problems. Because mold can be dangerous to your health, it is important that mold testing and cleanup be conducted as soon as mold is detected. If you suspect the presence of mold after a water leakage, you should contact your claims adjuster immediately.

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Building Code Upgrades

Building codes periodically change to conform to ever-rising safety and environmental standards. The codes have probably changed in your community to some extent since your home was built. Unless there is language in your policy covering additional costs associated with those changes, you may incur non-reimbursable expenses to rebuild in compliance with present codes. Such coverage appears as an “endorsement” – that is, as an option for “ordinance or law” coverage – for a small additional premium.

Replacement Cost Versus Actual Cash Value

Replacement cost is the dollar amount needed to replace a damaged item with one of similar kind and quality without deducting for depreciation – the decrease in value due to age, wear and tear, and other factors. An actual cash value policy pays the amount needed to replace the item at the current market value. For example, a tree falls through the roof onto your eight-year old washing machine. If you have a replacement cost policy for the contents of your home, the insurance company would pay to replace the old machine with a new one. If you have an actual cash value policy, the company would likely pay only a percentage of the cost of a new washing machine because a machine that has been in use for eight years would almost certainly be worth less than its original cost according to the current market value.

How the Payment Process Works

The first check you receive from the insurance company is often an advance, not a final payment. If you’re offered an on-the-spot settlement, you can accept a check at that time. However, be sure that you understand what the check does and does not cover. Be wary of initial settlement offers that are represented as full settlements and as requiring a release of further liability. Under most circumstances, if additional damage is discovered later, you can “reopen” the claim and request additional compensation. As with your initial claim, you must notify your insurer immediately upon the discovery of additional damage.

When both the structure of your home and your personal belongings are damaged, you generally receive two separate checks from your insurance company. You should also receive a separate check covering your additional living expenses.


If your home is mortgaged, the check for home repairs will generally be made out to you and the mortgage lender. As a condition of granting a mortgage, lenders usually require that they are named in the homeowners policy and that they are a party to any insurance payments related to the structure. The lender gets equal rights to the insurance check to ensure that the necessary repairs are made to the property in which it has a significant financial interest. This means that the mortgage company or bank will have to endorse the check. Lenders generally put the money in an escrow account and release the funds to the policyholder as the work is completed. You should show the mortgage lender your contractor’s bid and let them know how much the contractor wants up-front to begin the job. Your mortgage company may want to inspect the finished job before releasing the funds for final payment.

Personal Belongings

If you have a replacement cost policy for your possessions, you normally need to replace the damaged items before your insurance company will pay you the replacement cost. If you decide not to replace some items, you will be paid their actual cash value. You don’t have to decide what to do immediately. Your insurance company will generally allow you several months from the date of the cash value payment to replace the item. Find out how many months you are allowed. Some insurance companies supply lists of vendors that can help replace your property.

What to do if You Do Not Agree with the Settlement Offer

Insurance Code section 790 and several following sections constitute the Unfair Practices Act. More particularly, Section 790.03(h) specifically lists a number of prohibited unfair claims settlement practices. The Unfair Practices Act requires an insurer’s response to a notice of claim to include a copy of Section 790.03 and a written notice that, in addition to Section 790.03, Fair Claims Settlement Practices Regulations govern how insurance claims must be processed in this state. These regulations are found in Chapter 5 of Title 10 of the California Code of Regulations, and commence at Section 2695.1. You may request a copy of the regulations from the insurer, but an insurer is only required to provide you with a portion of the regulations.

The full text of the regulations is available at the Department of Insurance Internet site,

The regulations specify time deadlines within which insurers must acknowledge, evaluate, make and communicate decisions on claims, and pay claims. They as well restrict the information that can be demanded from a claimant to information that is reasonably necessary in making a claim determination.

The regulations provide that a denial of a claim must be in writing, with specified reasons for the denial, and must include a notification that if the claimant believes the claim to have been wrongfully denied, the matter may be reviewed by the Department of Insurance.

Talk to the Claims Manager

Do not hesitate to contact the claims manager to explain your concerns about the claims settlement if you do not agree with the settlement offer and have given the claims adjuster the opportunity to respond to your questions. Provide copies of supporting documents. Also, send a letter and copies of documents to the claims executive at the insurance company’s headquarters, whose address is usually found on the first or last page of the policy.

Contact the California Department of Insurance

The Consumer Communications Bureau (CCB) is responsible for educating thousands of callers about the Department of Insurance’s regulatory responsibilities and for providing information regarding insurance matters. The CCB has a toll-free Hotline which is staffed by over 40 officers with the expertise to handle a variety of insurance issues and complaints.

After listening to and discussing a consumer’s concerns over the phone, a Hotline officer may decide to send the consumer a Request for Assistance (RFA) form to be completed and returned to the Department. The RFA provides the necessary information to open a claims investigation, which will be handled by officers in the Claims Services Bureau. The primary function of the Claims Services Bureau is to investigate complaints and answer questions related to the handling of claims. This Bureau determines if insurance companies are fulfilling their lawful obligations to policyholders that file claims.

The Department will determine if it is appropriate to send you an RFA for the Department’s Residential Property and Earthquake Claims Mediation Program. This program is an informal, non-adversarial, and timely way to resolve a claim dispute with your insurance company. In addition, this program is free to the consumer (the insurer pays the fees). A detailed brochure describing the program may be obtained by calling the toll free number on the next page. In order for the residential property losses to qualify for mediation, they must have occurred after September 30, 2003, and the Governor must have declared the event a «state of emergency.»

Consult an Attorney

If you hire an attorney, provide him/her with a copy of your insurance policy and all other relevant documents. Get your attorney’s fee structure in writing before you give him/her your business. You will no longer talk directly with the insurance company, but can remain current on the progress of your claim by insisting that you receive copies from your attorney of all correspondence involving your case. Your attorney must have your approval before committing to any settlement.

Talk to the Department of Insurance

We are the state agency that regulates the insurance industry. We also work to protect the rights of insurance consumers.

Contact the California Department of Insurance (CDI):

  • If you feel that an insurance agent, broker, or company has treated you unfairly.
  • If you have questions or concerns about health insurance.
  • If you want to order CDI brochures.
  • If you want to file a request for assistance against your agent, broker, or insurance company.
  • If you are having difficulty opening a claim with your insurance company.
  • To check the license of an agent, broker, or insurance company.



California Department of Insurance

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Los Angeles, CA 90013

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Los Angeles, CA 90013

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