California insurance fraud training

The requirement

What California requires

Insurance Code 1875.20 through 1875.24 require every admitted insurer to keep a special investigative unit. The SIU regulations, Cal. Code Regs. title 10, sections 2698.30 to 2698.42, set the training rules in section 2698.39.

Newly hired employees must receive an anti-fraud orientation within 90 days of starting their duties, covering the SIU's function, fraud detection and referral, Fraud Division reporting requirements and SIU contacts. Integral anti-fraud personnel, meaning staff outside the SIU whose duties involve claim or application decisions, such as claims handlers, underwriters and legal staff, must receive annual in-service training on referral procedures, red flags, reporting and emerging fraud trends. SIU personnel must complete at least five hours of continuing anti-fraud training each calendar year.

Insurers must keep detailed training records, including title, date, instructor, materials, length and each participant's name and job title, give them to the Department of Insurance on request, and describe their training in the annual SIU report. The Department audits training compliance.

• New employees: anti-fraud orientation within 90 days
• Integral anti-fraud personnel: annual in-service training
• SIU personnel: at least 5 hours a year
• Training records kept and described in the annual SIU report

Sources, checked October 2026

• California Department of Insurance, SIU Training Compliance
• 10 CCR 2698.39, Anti-Fraud Training (Justia copy of the regulation) (unofficial copy)

How NATG helps

Meet the California mandate with one program

• Annual and new-hire anti-fraud courses in versions for each line of business and department
• California Fair Claims (CCR 2695) training for claims agents: see the course
• Online, or instructor-led at your location
• Completion records, certificates and reports for your fraud plan and examiners
• One program for every state you write in, tracked in one place

NATG specializes in insurance fraud and investigations. Our compliance courses are built around the detection, referral and reporting duties in state fraud plans.