ARTICLE 2. Concealment and Representations—Rules Peculiar to Marine Insurance [1900. - 1905.]

Cal. Insurance Code - INS 2.

in effect

Cal. Insurance Code - INS § 1900. Section 1900.

In marine insurance each party is bound to communicate, in addition to what is required in the case of other insurance: (a) All the information which he possesses and which is material to the risk, except such as is exempt from such communication in the case of other insurance. (b) The exact and whole truth in relation to all matters that he represents or, upon inquiry assumes to disclose.

Cal. Insurance Code - INS § 1901. Section 1901.

In marine insurance, information of the belief or expectation of a third person in reference to a material fact, is material.

Cal. Insurance Code - INS § 1902. Section 1902.

A person insured by a contract of marine insurance is presumed to have, at the time of insuring, knowledge of a prior loss, if the information might possibly have reached him in the usual mode of transmission and at the usual rate of communication.

Cal. Insurance Code - INS § 1903. Section 1903.

In marine insurance, concealment in respect to any of the following matters does not vitiate the entire contract, but merely exonerates the insurer from a loss resulting from the risk concealed: (a) The national character of the insured. (b) The liability of the subject matter to capture and detention. (c) The liability to seizure from breach of foreign laws of trade. (d) The want of necessary documents. (e) The use of false and simulated papers.

Cal. Insurance Code - INS § 1904. Section 1904.

In marine insurance, if a representation by the insured is intentionally false in any respect, whether material or immaterial, the insurer may rescind the entire contract.

Cal. Insurance Code - INS § 1905. Section 1905.

The failure of subsequent circumstances to conform to a representation as to expectation does not, in the absence of fraud, avoid marine insurance.

Source: CA Legislative Counsel Bulk DataURL: https://downloads.leginfo.legislature.ca.gov/pubinfo_2025.zipFetched: 6/27/2026