{
  "section": "5806",
  "code": "California Civil Code",
  "law_code": "CIV",
  "citation": "California Civil Code § 5806",
  "heading": "Crime, Dishonesty and Fidelity Coverage",
  "heading_is_editorial": true,
  "effective": "2022-01-01",
  "amended_by": "Amended by Stats. 2021, Ch. 270, Sec. 3. (AB 1101) Effective January 1, 2022.",
  "official_credit_line": "Amended by Stats. 2021, Ch. 270, Sec. 3. (AB 1101) Effective January 1, 2022.",
  "official_url": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=5806.",
  "page_url": "https://quoroom.org/law/insurance",
  "pending_amendment": null,
  "version_history": [],
  "verified": "two sources agree",
  "verification_note": "Text taken verbatim from the Legislative Counsel of California official code database and checked word for word against an independent publisher.",
  "sources": [
    {
      "url": "https://downloads.leginfo.legislature.ca.gov/pubinfo_2025.zip",
      "accessed": "2026-10-12",
      "name": "leginfo (Legislative Counsel official bulk code database, LAW_SECTION_TBL)",
      "note": "Authoritative. Retrieved with tools/fetch.py, which reads the archive's central directory by HTTP range request and fetches only this section's member. The leginfo.legislature.ca.gov HTML page sits behind a bot challenge; this is the same database that backs it."
    },
    {
      "url": "https://california.public.law/codes/civil_code_section_5806",
      "accessed": "2026-10-12",
      "name": "California Public Law (Public.Law)",
      "note": "Independent publisher, used to check the text word for word.",
      "edition": "2025"
    }
  ],
  "subdivisions": [
    {
      "id": "intro",
      "label": "",
      "text": "Unless the governing documents require greater coverage amounts, the association shall maintain crime insurance, employee dishonesty coverage, fidelity bond coverage, or their equivalent, for its directors, officers, and employees in an amount that is equal to or more than the combined amount of the reserves of the association and total assessments for three months. The coverage maintained by the association shall also include protection in an equal amount against computer fraud and funds transfer fraud. If the association uses a managing agent or management company, the association’s crime insurance, employee dishonesty coverage, fidelity bond coverage, or their equivalent, shall additionally include coverage for, or otherwise be endorsed to provide coverage for, dishonest acts by that person or entity and its employees. Self-insurance does not meet the requirements of this section.",
      "anchor": "https://quoroom.org/law/insurance#s5806-intro"
    }
  ]
}