Nothing in this article shall contravene, curtail or expand any statute; it is intended as a partial description of the kinds of risks and coverages presently regarded by the Insurance Commissioner as classifiable under Insurance Code Section 103. It is not an exhaustive or complete enumeration of risks and coverages which may be so classified. Inclusion herein shall not be construed as indicating that such risks and coverages are solely marine insurance. Nothing in this article shall be construed as binding or limiting any discretion or power conferred upon the Insurance Commissioner by the Legislature.
Cal. Code Regs. Tit. 10, § 2320.2