Cal. Insurance Code § 533 : California Insurance Code — General Rules Governing Insurance — Loss — Causes Of Loss — Willful act of insured, negligence of insured Date: 15 Sep 2016 TEXT PDF Current through the 2016 Legislative Session An insurer is not liable for a loss caused by the wilful act of the insured; but he is not exonerated by the negligence of the insured, or of the insured's agents or others. Ca. Ins. Code § 533