The refusal of admitted insurers to write a form of contract is not a basis for the contention that such insurance is not procurable from a majority of admitted insurers, if the form of contract involves a combination of classes of insurance which cannot lawfully be combined in a single certificate of authority to one admitted insurer. In such case separate forms of contract, each incorporating a class or a lawful combination of classes, must be offered to and refused by a majority of insurers admitted for each such class or combination of classes, before such insurance can be placed with nonadmitted insurers.
Cal. Code Regs. Tit. 10, § 2135