1. (a) Insurance companies that meet the definition of “business” under the CCPA shall comply with the CCPA with regard to any personal information not subject to the Insurance Code and its regulations. For example, those insurance companies shall comply with the CCPA for personal information that is collected for purposes not in connection with an insurance transaction, as that term is defined in Insurance Code, section 791.02.

2. (b) Illustrative examples follow.

   1. (1) Insurance company A collects personal information from visitors of its website who have not applied for any insurance product or other financial product or service from Company A. This information is used to tailor personalized advertisements across different business websites. Insurance company A must comply with the CCPA, including by providing consumers the right to opt-out of the sale/sharing of their personal information and honoring opt-out preference signals, because the personal information collected from the website browsing is not related to an application for or provision of an insurance transaction or other financial product or service.
   2. (2) Insurance company B collects personal information from its employees and job applicants for employment purposes. Insurance company B must comply with the CCPA with regard to employee information, including by providing a Notice at Collection to the employees and job applicants at or before the time their personal information is collected. This is because the personal information collected in this situation is not subject to the Insurance Code or its regulations.
   3. (3) Sloane submits personal information to her insurance company as part of a claim for losses incurred by a fire at her home. This information is used to service the insurance policy, and thus subject to the Insurance Code and its regulations. This information is not subject to the CCPA.

Note: Authority cited: Section 1798.185, Civil Code. Reference: Sections 1798.100, 1798.105, 1798.106, 1798.110, 1798.115, 1798.120, 1798.121, 1798.125, 1798.130, 1798.135, 1798.145, 1798.150, 1798.155 and 1798.185, Civil Code.

History

1. New section filed 9-22-2025; operative 1-1-2026 (Register 2025, No. 39).