Unless the provision or context otherwise requires, the following definitions govern the construction of this chapter: (a) âCommissionerâ means the Insurance Commissioner of this state. (b) âNet direct premiumsâ means gross direct premiums written on liability insurance in this state, including the liability portion of the multiperil policies and of automobile insurance policies, less return premiums and any surplus premium deposits. âNet direct premiumsâ shall not mean any reinsurance premiums or premiums for ocean marine insurance. (c) âInsurerâ means any person who undertakes to indemnify another against loss, damage, or liability arising from a contingent or unknown event, and shall include reciprocals and interinsurance exchanges. (d) âFamily day care providerâ means those persons licensed pursuant to Section 1596.78 or 1596.79 of the Health and Safety Code.
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