California Codes
Cal. Insurance Code § 23 (2026)
✓ current as of May 2026
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The person who undertakes to indemnify another by insurance is the insurer, and the person indemnified is the insured.
Notes of Decisions
Cited in 11
cases, 1966–2015 · leading case: Metro. Life Ins. v. State Bd. of Equalization, 652 P.2d 426 (Cal. 1982).
Metro. Life Ins. v. State Bd. of Equalization, 652 P.2d 426 (Cal. 1982). “" Employee health plans cover the risk of injury or disability of the employees; the employees receive indemnification when such losses occur. That the employer may be the nominal policyholder is not significant; the employees remain those against whose potential loss the…”
Fort Bragg Unified Sch. Dist. v. Colonial Am. Cas. & Sur. Co., 194 Cal. App. 4th 891 (Cal. Ct. App. 2011). “” (Ins. Code, § 23, italics added.) “ ‘[S]elf-insurance’ is ‘insurance of oneself or of one’s own interests by the setting aside of money at regular intervals to provide a fund to cover possible losses.”
Gen. Ins. v. Mammoth Vista Owners' Ass'n, 174 Cal. App. 3d 810 (Cal. Ct. App. 1985). “” (Ins. Code, § 23.) “All insurance in this State is governed by provisions of this code.”
Asurion Ins. Servs., Inc. v. Amp'd Mobile, Inc. (In Re Amp'd Mobile, Inc.), 377 B.R. 478 (Bankr. D. Del. 2007). “” Cal. Ins. Code § 23 . In this case, Liberty Mutual — not Asurion — is the insurer because it provided the insurance policy through its agent, Asurion.”
Atl. Nat'l Ins. v. Armstrong, 416 P.2d 801 (Cal. 1966). “Insurance Code section 22 defines the word “insurance” as “a contract whereby one undertakes to indemnify another against loss, damage, or liability arising from a contingent or unknown event.”
Cnty. of San Bernardino v. Pac. Indem. Co., 97 Cal. Daily Op. Serv. 5785 (Cal. Ct. App. 1997). “’ (Ins. Code, § 23.) Insurance is defined as ‘a contract whereby one undertakes to indemnify another against loss, damage, or liability arising from a contingent or unknown event.”
Truck Ins. Exch. v. Amoco Corp., 95 Cal. Daily Op. Serv. 4249 (Cal. Ct. App. 1995). “” (Ins. Code, § 23.) Insurance is defined as “a contract whereby one undertakes to indemnify another against loss, damage, or liability arising from a contingent or unknown event.”
Nathanson v. Hertz Corp., 183 Cal. App. 3d 78 (Cal. Ct. App. 1986). “’ (Ins. Code, § 23.) ‘All insurance in this State is governed by provisions of this Code.”
Myers v. Bd. of Equalization, 240 Cal. App. 4th 722 (Cal. Ct. App. 2015). “” (Ins. Code, § 23; see Metropolitan Life, at p.”
Prudential Ins. of Am. v. State Bd. of Equalization, 94 Cal. Daily Op. Serv. 106 (Cal. Ct. App. 1993). “’ More generally, Insurance Code section 23 provides that ‘the person indemnified is the insured.”
Delta Mfg. Co. v. Jones, 69 Cal. App. 3d 428 (Cal. Ct. App. 1977). “Insurance Code section 23 defines an insurer as “The person who undertakes to indemnify another by insurance.”
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