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J. Insurable Events

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Educational Objectives
  • I.A.12. Identify the definition of insurable events (CIC 250)
  • I.A.13. Identify and apply the definition of insurable interest, the principle of indemnity, and utmost good faith

…any contingent or unknown event, whether past or future, which may damnify a person having an insurable interest, or create a liability against him, may be insured against…

California Insurance Code, Section 250

In other words, if a possible future event could result in loss or liability to a person, it may be insurable under the Insurance Code. These insurable events may never occur, but insurance policies can provide protection when those times come.

The more predictable a loss becomes, the more insurable it becomes. The more unpredictable a loss, the less insurable it becomes. For example, a person cannot be insured against gambling loss or lottery outcomes because they are unpredictable.

The law does not address a limit as to the level of loss that may be insured against; it only specifies the type of event that is insurable. The level of loss to be indemnified is agreed upon by the parties to the insurance contract.