Section 9081 Of Chapter 7. Fraternal Fire Insurers From California Insurance Code >> Division 2. >> Part 1. >> Chapter 7.

. Secret fraternal societies, having lodges, councils or granges in this State, conducting their business and securing their membership on the lodge, council or grange system exclusively, and having ritualistic work and ceremonies in their lodges, councils or granges, may form an insurer by association of the members of their order or society, binding themselves to contribute to each other's loss by fire.