Serving the California Insurance Commissioner

If you are looking for general information about the conservation or liquidation process, please consult our FAQ (Frequently Asked Questions).

If you are looking for information about a specific insurance company that has been placed under conservation or liquidation by the State of California, please visit our Companies page.

CLO Mission

The CLO, on behalf of the Insurance Commissioner, rehabilitates and/or liquidates, under Court supervision, troubled insurance enterprises domiciled in the State of California. In addition the CLO provides Special Examination Services, with Commissioner and Board oversight. As a fiduciary for the benefit of all claimants, the CLO handles the property of troubled or failed enterprises in a prudent, cost-effective, fair, timely, and expeditious manner.

Proof of Claim Assignment

The Conservation and Liquidation Office (CLO) recognizes the rights of claimants to assign their approved claims. The CLO is obliged to ensure that assignments are valid and that the processing of assignments does not create an undue burden on estate resources. Read More...

Superior National Companies In Liquidation - Subpoena Requests

Please click on the following Notice of Court Order for the procedure to obtain claim records and for information regarding the court order authorizing the liquidated Superior National Insurance Companies to discontinue responding to the third party photocopy and subpoena requests.

In The News
Upcoming Distributions
Conservation & Liquidation Office

We are happy to announce upcoming distributions in the Great States Insurance Company, Fremont Indemnity Company and Western Employers Insurance Company estates. The distributions are currently scheduled to occur as follows:

Great States Insurance Company: September 12, 2019 - COMPLETED
Fremont Indemnity Company: September 26, 2019 - COMPLETED
Western Employers Insurance Company: October 18, 2019

We will strive to meet the above dates however, all dates are subject to change.
If you are an approved claim holder in any of these estates you will have already received notice of the upcoming distribution.
It is important to note that the Conservation and Liquidation Office will not accept any claim assignments of Great States Insurance Company,...

Conservation & Liquidation Office is Preparing to Complete Three Estate Distributions Totaling Approximately $167 Million by Year-end 2019
Conservation & Liquidation Office
The Insurance Commissioner as Liquidator of Great States Insurance Company, Fremont Indemnity Company, Western Employers Insurance Company has filed distribution applications totaling approximately $167 million. Please visit the Companies Page and click on the respective company for hearing dates, distribution amounts, and more details.
Proof of Claim Mailing
Merced Property & Casualty Co.
More than 7,000 Proof of Claim filing packets are being mailed the week of January 28th to all identified potential Merced claimants. While most individuals who had an open claim, and all Campfire claimants, do not have to file a formal Proof of Claim to obtain coverage through the California Insurance Guarantee Association, it is recommended that they do so as a protective measure. If you believe that you have a potential claim against the Merced Property & Casualty Co. and have not received a Proof of Claim mailing package by February 25th, please notify us at (415) 676-5016 or email MercedPOC@caclo.org. The bar date, the last date on which a claim may be filed, is June 30th. A sample of the Proof of Claim package is available at the www.caclo.org website, but we ask that you not use the sample form as the mailed package will have a form with a unique claim number specific to your...
Claims Update
Merced Property & Casualty Co.
All claims open as of the December 3, 2018 liquidation date have now been transferred to the California Insurance Guarantee Association (CIGA). Those claims will be administered by CIGA. If you had a claim open at the time of liquidation, there is no need for you to file a Proof of Claim against Merced Property and Casualty as those claims are deemed filed by the Commissioner and the Liquidation Order. This link will take you to CIGA's webpage with contact and other helpful information: http://www.caiga.org/MercedFAQs.html
Notice of Cancellation
Merced Property & Casualty Co.
Pursuant to the Liquidation Order all Merced insurance policies are required to be cancelled effective 30 days from the date of the liquidation or January 2, 2019, unless your policy terminates prior to this date. In accordance with Ins. Code Section 1063.1(c)(1) CIGA is statutorily responsible to pay the unearned premium that is due to insureds for coverage that extends beyond the cancellation date. Insureds are encouraged to work with your insurance broker to replace your Merced insurance coverage immediately. Notice has now been mailed to all Merced in force policy holders advising of the cancellation date.
Liquidation Order
Merced Property & Casualty Co.
NOTICE IS HEREBY GIVEN that on December 3, 2018, the Superior Court of the City and County of Merced, California entered an Order Appointing Liquidator, in the case entitled Insurance Commissioner of the State of California v. Merced Property and Casualty Company, Case No. 18CV-04739 ("Liquidation Order"). The effective date of the liquidation order is December 3, 2018. Pursuant to the Liquidation Order, the California Insurance Commissioner has been appointed as the statutory Liquidator of Merced Property and Casualty Company (âMercedâ). The Liquidation Order authorizes and empowers the Commissioner, through his Conservation & Liquidation Office, to liquidate Merced and its assets for the benefit of Mercedâs policyholders, claimants, creditors, certificate of contribution holders and shareholder, as provided in Sections 1010 through 1062 of the Insurance Code of the State of...
Notice of No Assets Letter
Fremont Indemnity Company
Attention: This letter was sent to all companies that have a Class 7 (Reinsurance) Proof of Claim against Fremont Indemnity.
Mailing Date: December 1, 2017
RE: Fremont Indemnity Company in Liquidation
Dear Claimant: This letter is being sent on behalf of the California Insurance Commissioner in his capacity as Liquidator for Fremont Indemnity Company ("Fremont"). The Conservation and Liquidation Office (CLO) assists the Insurance Commissioner in the liquidation proceedings. Our records reflect that you filed a Proof of Claim in this Liquidation. Your Proof of Claim is classified as a Class 7 claim pursuant to California Insurance Code Section 1033. The Liquidator has determined that Fremont does not have sufficient assets to make any distributions below Class...
Claim Change Data Availability
CastlePoint National Ins. Co.
Due to the transfer of claim files to the state insurance guarantee associations and the initiation of the process for returning information on these files to the California Conservation and Liquidation Office, claim change data for the quarter ended June 30, 2017 is not yet available. It is expected that such information will be available in the next month, at which time the estate intends to post its financial information as of and for the period ended September 30, 2017 on the CLO website (www.caclo.org).
Claims Update
CastlePoint National Ins. Co.
* All claims open as of the Mar. 31, 2017 liquidation date, and which are eligible for Insurance Guaranty Association coverage, should now be at the appropriate Guaranty Fund. Those claims are deemed filed with the Guaranty Fund, and the entirety of your claim will be administered by the Fund. There is no need for you to file a Proof of Claim against Castlepoint National Insurance Company (Castlepoint) or any other form required unless requested by the Guaranty Fund to do so.
* Certain Castlepoint claims were generated under policies that were written through Castlepoint companies that were not licensed in a specific state to underwrite policies ("non-admitted business"). Non-admitted business claims are not covered by Guaranty Funds. Those claims should now have been returned to the policyholder for handling. The policyholder ...
Notice of Request that Any Unfiled Claims Assignments be Filed with CLO by August 21, 2017
Mission Insurance Company
This notice deals with holders of approved general creditor claims against Mission Insurance Company Trust and approved policyholder priority proof of claims against Mission National Insurance Company Trust. The Insurance Commissioner as Trustee is planning to file a motion prior to year-end seeking court approval to make a distribution to approved general creditor priority claimants against Mission Insurance Company Trust and to approved policyholder priority claimants against Mission National Insurance Company Trust. This notice affects only approved proof of claims holders. As part of any such subsequently-filed motion, the Insurance Commissioner as Trustee will request the Liquidation Court to set a "record date" for the distribution, i.e., a date by which any completed CLO Change of Address/Assignment Notification Declaration forms and supporting documents must be received by the...