Transcript Highlights:

• So they're not department of insurance.
• Insurance because the Department of Insurance does warranties, service agreements, and insurance.
• Insurance because the Department of Insurance does warranties, service agreements, and insurance.
• Insurance because the Department of Insurance does warranties, service agreements, and insurance.
• Insurance pays $1,000 of my hospital.

Bills: SB294, HB296, HB300, SB269

Keywords: public officers, bonding, risk management, notification, delinquency, consumer protection, rental home, marketplace guarantees, insurance, commissioner of insurance, healthcare, breast cancer screening, insurance coverage, deductible, copayment, emergency medical services, ambulance reimbursement, health care insurers, balance billing, provider networks

Transcript Highlights:

• H-5112 would prohibit life, long-term care, and disability insurers from engaging in that kind of discrimination
• How much of that is covered? Not 100% is covered. I have pretty good insurance.
• I guess my question is: the three basic types of insurance that I'm aware of are long-term care, life
• I know, for example, some insurance policies require a physical or other types of testing, but I'm just
• care insurance.

Bills: H5112, S2921, H4914

Keywords: genetic discrimination, genetic testing, genetic information, DNA, hereditary risk, insurance underwriting, life insurance, health insurance, long-term care insurance, disability insurance, medical privacy, consumer protection, anti-discrimination, insurer regulation, Commissioner of Insurance, chapter 176D, underwriting, hereditary disease, genomics, travel insurance

Transcript Highlights:

• in the insurance commissioner's regulatory and fraud accounts at the close of a fiscal year the option
• This is the bill modifying the insurance fraud program administered by the Insurance Commissioner.
• of insurers, licensees, organizations, and others, and provisions on victim restitution.
• This is named after kind of a pioneer in the insurance industry.
• With this bill we are setting up a Washington Travel Insurance Act, and with this new line of insurance

Bills: SB6178, SB5831

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• But this bill was brought forward at the request of the Office of Insurance Commissioner, and I was more
• For the record, my name is Dori Nick Pond, testifying on behalf of the Office of the Insurance Commissioner
• in the regulatory investigations of the Office of the Insurance Commissioner.
• in the regulatory investigations of the Office of the Insurance Commissioner.
• Let's invite forward first from the Office of the Insurance Commissioner.

Bills: SB6178, SB5831

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• The insurance commissioner has enforcement authority and may take action and impose a fine of $50,000
• This is also an Office of the Insurance Commissioner request bill, and so I would be interested to look
• For the record, I am Rory Payne Donovan here on behalf of the Office of Insurance Commissioner, and first
• Any other questions for the Office of the Insurance Commissioner? No questions.
• And we would certainly like to participate with the Office of the Insurance Commissioner and further

Bills: SB5831, SB6178

Keywords: mortgage modification, uniform regulations, homeowners, financial stability, foreclosure prevention, SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling

Transcript Highlights:

• Please silence all of your electronic devices.
• provisions relating to certain online products and services used by minors and children, sponsored on behalf of

Bills: AB404, AB428

Keywords: brew pub, alcoholic beverages, liquor store, licensure, regulation, Department of Taxation, fertility preservation, breast cancer, ovarian cancer, oncology, reproductive medicine, infertility, cancer treatment, egg freezing, embryo freezing, oocyte cryopreservation, sperm banking, assisted reproductive technology, health insurance mandate, Medicaid

Transcript Highlights:

• > insurance</c><00:01:44.400><c> less</c> cost of overall insurance less cost of overall insurance less
• Um, so this isn't just this line of insurance that does this, but all lines of insurance. someone towards
• </c> department of commerce for fully insured department of commerce for fully insured market<00:13:22.160
• </c> does this but all lines of insurance. does this but all lines of insurance.
• </c><00:23:46.559><c> health</c><00:23:46.880><c> insurance,</c> out of health insurance, out of health

Bills: HF3388, HF400

Keywords: HF3388, Minnesota premium security plan, reinsurance, health insurance, group health carriers, MCHA, MNsure, individual market, premium stabilization, carrier assessment, health insurance assessment, premium security plan account, state innovation waiver, high-risk pool, reinsurance payments, healthcare premiums, insurance carriers, deferral of assessment, financially impaired condition, HF400

Transcript Highlights:

• Oklahomans pay some of the highest insurance premiums in the nation.
• Oklahomans pay some of the highest insurance premiums in the nation.
• Commissioner to be involved in insurance rates?
• It doesn't reduce the cost of the underlying insurance itself.
• people who are interested in being insurance agents in the state of Oklahoma.

Bills: HB3048, HB3259, HB3646, HB3696, HB3780, HB3781, HB3802, HB3818, HB4294, HB4488, HB2929

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Summary: The committee heard a series of insurance-related bills, with much of the discussion focused on homeowners insurance rates, transparency, and regulatory oversight. House Bill 3696, a proposed rate-approval style measure for homeowners insurance, drew extensive questioning about whether it would actually lower premiums, its comparison to Texas, the role of the Insurance Department and Attorney General, and possible effects on carriers and agents. The author said the bill was intended to increase transparency and consumer protections, acknowledged it was a work in progress, and agreed to strike the title and keep working with the committee. The bill ultimately passed the committee on a recorded vote. The committee also advanced House Bill 3259, which would prohibit certain health care contract clauses such as all-or-nothing, anti-steering, gag, and most-favored-nation provisions; House Bill 4294, a follow-up to Dylan’s Law dealing with epilepsy-related insurance coverage and neurostimulator devices; and House Bill 4488, which would let the Insurance Commissioner appoint an impartial umpire when a body shop and insurer cannot agree on a loss value. House Bill 3646, a broad and still-developing insurance bill involving rate review, litigation, venue, AI use, and Attorney General involvement, generated substantial concern from members about workability, litigation, and agent exposure. Its author said it was not final, but the committee voted it down. Later, the committee passed House Bill 3048, a cleanup measure for surplus lines licensing laws; House Bill 3780, requiring an independent actuary review as a transparency measure; House Bill 3781, changing the timing from use-and-file to file-and-use with a 60-day review period while the author said he did not want rate approval; House Bill 3802, delaying rate adjustments after a spouse’s death until renewal; House Bill 3818, creating a home and auto savings account framework intended to help policyholders raise deductibles and lower premiums; and House Bill 2929, which limits how far back insurers may look at homeowners and auto claims for underwriting purposes. Most of these bills passed with little or no opposition after brief questioning.

Transcript Highlights:

• Oklahomans pay some of the highest insurance premiums in the nation.
• It's some attorneys that do a lot of insurance litigation.
• Attorneys that do a lot of insurance litigation.
• Attorney General and not the Insurance Commissioner to be involved in insurance rates?
• Solely in the hands of the Commissioner, right?

Bills: HB3048, HB3259, HB3646, HB3696, HB3780, HB3781, HB3802, HB3818, HB4294, HB4488, HB2929

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Transcript Highlights:

• And then OIC, the Office of the Insurance Commissioner, got involved.
• and also David Fort with the Office of Insurance Commissioner.
• by Senator Lovick, by request of the insurance commissioner.
• Yes, from the Office of Insurance Commissioner.
• Dori Nick Pond, yes, from the Office of Insurance Commissioner.

Bills: SB5831, SB6031, SB6178, SB5928, SB5919

Keywords: mortgage modification, uniform regulations, homeowners, financial stability, foreclosure prevention, public safety, insurance fraud, law enforcement, crime prevention, penalties, SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured

Summary: The Senate Business, Trade & Economic Development Committee heard a tribal gaming compact amendment for the Squaxin Island Tribe and the Washington State Gambling Commission. Testifiers said the amended, restated compact consolidates six prior amendments, updates appendices, and adds new provisions for electronic table games and high-limit room options. The tribe and commission described the agreement as a clarification and modernization of the compact that supports tribal regulation, economic development, and public protection. No questions were raised, and the compact was presented as moving next through the commission and gubernatorial review process. The committee then held public hearings on three bills. SB 5831 would enact the Uniform Mortgage Modification Act, creating safe harbors so certain mortgage modifications do not affect lien priority in foreclosure; the sponsor, staff, and Uniform Law Commission said it clarifies current law and helps homeowners and businesses modify mortgages more easily. SB 6178, requested by the Insurance Commissioner, would prohibit post-loss assignments of insurance benefits to contractors in property claims; the sponsor, OIC, and supporting witnesses said it protects vulnerable homeowners after disasters from losing control of their claims, while still allowing direct payment to vendors. SB 6031, also requested by the Insurance Commissioner, would expand and modernize the state’s insurance fraud laws, make insurance fraud a Class B felony, broaden reporting and investigative authority, and improve restitution and prosecution tools; the OIC, anti-fraud groups, and insurers supported it, while the Washington Society of CPAs said concerns would be addressed by amendment. In executive session, the committee considered SB 5928 and SB 5919. Staff described SB 5928 as dealing with wildfire risk scores, insurer disclosure and appeals, rate-filing requirements, and confidentiality, with a proposed substitute making a mitigation-discount standard actuarially sound and correcting a drafting error. The committee adopted the substitute and advanced SB 5928 with a do-pass recommendation to Rules. The committee also advanced SB 5919, which encourages voluntary collaboration between fire districts and insurers on wildfire mitigation incentives for agricultural activities, with a do-pass recommendation to Rules.

Transcript Highlights:

• liability insurance before entering the roadways.
• And, to be honest, I'm just tired of all the lies.
• If that's important to you, I'd start looking at the source of the information.
• I might run a bill next session that changes the State Chamber of Oklahoma to the out-of-state chamber
• on autos to be 70% instead of 60%.

Bills: SB1684, SB1443, SB1447, SB378, SB1920

Keywords: SB1684, Oklahoma Highway Remediation and Cleanup Services Act, highway cleanup, roadway remediation, tow truck, wrecker service, liability insurance, DEQ, Department of Environmental Quality, motor vehicles, licensing, public safety, cleanup operators, roadside services, commercial towing, insurance requirement, license fee, revocation, suspension, Turnpike Authority

Summary: The committee considered several bills and moved each one forward without opposition. Senate Bill 1684, presented by Representative Bayshore, would require highway remediation companies to carry at least $3 million in liability insurance before entering roadways to protect the public; it passed 6-0 and was recommended to the next committee. Senate Bill 378, also presented by Bayshore, would modernize the multi-county bail bonds statute by adding flexibility in writing capacity and strengthening financial oversight and transparency; it passed 6-0 and was recommended for the floor. Senate Bill 1447, presented by Representative Marti, would change requirements for the RFP for the state employee prescription drug plan. Marti used the presentation to sharply criticize the State Chamber and outside messaging about the bill, arguing the legislation would not raise drug costs and that similar laws in other states have produced savings; the bill passed 6-0. Senate Bill 1920, presented by Representative Tedford, would raise the salvage title threshold for autos from 60% to 70% to align more closely with neighboring states and avoid prematurely totaling vehicles; it passed 6-0 and was sent to the next committee. After a brief suspension, the committee took up Senate Bill 1443, presented by Representative Sneed on behalf of Chairman Chad Caldwell, which concerns anesthesia services. No questions or debate were raised, and the bill passed 6-0. The meeting then adjourned.

Transcript Highlights:

• the cost of insurance to the private sector in Texas employers.
• So there are. lot of different insurance plans, you've got sections of the law that create the teachers
• Costs of insurance, delay of care, you know, uh, making sure that patients get.
• and Insurance NABID for short, and we are in support of this bill.
• Insurance is the, health insurance is the one place where someone doesn't know what the cost of the item

Bills: HB138, HB335, HB388, HB138

Keywords: health impact analysis, cost analysis, coverage mandates, health insurance, legislative analysis, health care data, education, funding, classroom resources, teacher support, student outcomes, health benefits, provider dentists, payment reimbursement, insurance code, noncontracting, dental care, reimbursement, health benefit plans, noncontracting providers

Transcript Highlights:

• It would give you a total picture of what you're trying to get at in terms of- of premium cost but also
• So the increase of insurance more to take care of an administrative fee you're talking about well I'm
• The form will be created by the Texas Department of Insurance with input from stakeholders.
• So anybody who would provide this type of insurance and I. can get you I have kind of a sample that Blue
• So House Bill 388 would require that a standardized form be created by the Texas Department of Insurance

Bills: HB138, HB335, HB388, HB138

Keywords: health impact analysis, cost analysis, coverage mandates, health insurance, legislative analysis, health care data, education, funding, classroom resources, teacher support, student outcomes, health benefits, provider dentists, payment reimbursement, insurance code, noncontracting, dental care, reimbursement, health benefit plans, noncontracting providers

Transcript Highlights:

• Many of the major insurers of churches... insurers like Church Mutual, Brotherhood Mutual, and GuideOne
• cannot be a member of the insurance industry.
• Insurance coverage is, of course, important, but it also implies the creation of insurance codes for
• lack of access to health insurance.
• This bill doesn't create any new types of insurance or eliminate insurance.

Bills: HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689

Keywords: credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes

Transcript Highlights:

• solutions for reducing the high cost of windstorm insurance.
• I'm the treasurer of the Coastal Windstorm Insurance Coalition.
• We show you registered as Albert Betts, Executive Director of the Insurance Council of Texas.
• I represent the Insurance Council of Texas.
• The primary benefit of a group policy is the standardization of the insurance offering.

Bills: HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689

Keywords: credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes

Transcript Highlights:

• Up next, we're gonna call him out of the bullpen for this. One is Senate Bill 378.
• And to be honest, I'm just tired of all the lies.
• If that's important to you, I'd start looking at the source of the information.
• of State Chamber.
• Senate Bill 1920 is a government modernization of the bill that modernizes the Oklahoma Insurance law

Bills: SB1684, SB1443, SB1447, SB378, SB1920

Keywords: SB1684, Oklahoma Highway Remediation and Cleanup Services Act, highway cleanup, roadway remediation, tow truck, wrecker service, liability insurance, DEQ, Department of Environmental Quality, motor vehicles, licensing, public safety, cleanup operators, roadside services, commercial towing, insurance requirement, license fee, revocation, suspension, Turnpike Authority

Transcript Highlights:

• This is one of a series of those kinds of bills I'm bringing to you today in the aftermath of us changing
• So what we found is that because of the use of this writing, two neighbors with the exact same type of
• house could get charged wildly different insurance premiums solely Because of a credit score, meanwhile
• Has the insurance commissioner weighed in on this at all? Has he been a part of this?
• The insurance commissioner has been involved all the way back in 24.

Bills: SB1303, SB1343, SB1435, SB1438, SB1444, SB1641, SB1765, SB1916, SB2067

Keywords: workers' compensation, workers comp, Oklahoma Workers' Compensation Commission, Administrative Workers' Compensation Act, self-insurance guaranty fund, multiple injury trust fund, physician advisory committee, advisory council on workers' compensation, workers' compensation court, insurance, employer liability, self-insured employer, fund transfer, records transfer, agency reorganization, statutory cleanup, technical corrections, Title 85A, SB1343, Vision Plan Contractual Requirements Act

Transcript Highlights:

• Welcome to Business and Insurance, folks. A couple of announcements before we get started.
• of house could get charged wildly different insurance premiums solely because of a credit score.
• Meanwhile, the insurance companies are not actually... ...of a credit score.
• The last question: Has the insurance commissioner weighed in on this at all?
• Has he been a part of this? The insurance commissioner has been involved all the way back in '24.

Bills: SB1303, SB1343, SB1435, SB1438, SB1444, SB1641, SB1765, SB1916, SB2067

Keywords: workers' compensation, workers comp, Oklahoma Workers' Compensation Commission, Administrative Workers' Compensation Act, self-insurance guaranty fund, multiple injury trust fund, physician advisory committee, advisory council on workers' compensation, workers' compensation court, insurance, employer liability, self-insured employer, fund transfer, records transfer, agency reorganization, statutory cleanup, technical corrections, Title 85A, SB1343, Vision Plan Contractual Requirements Act

Summary: The Business and Insurance committee met and first announced that several bills—1765, 1916, 1438, and 1444—would be laid over. The committee then considered Senate Bill 1303, which repeals an obsolete workers’ compensation advisory commission that members said is no longer needed after the state moved to a commission-based system; it passed 9-0. Senate Bill 1641 followed, clarifying that annual renewal notices for certain business certifications may be sent to the last known email address of record; it also passed 9-0. The committee then took up Senate Bill 1435, a property insurance measure responding to rising premiums. The author argued it would prohibit insurers from using credit scores in premium rating, citing examples of large rate differences tied to credit rather than driving or property risk. Members questioned whether banning credit scoring would shift costs to other policyholders, but the bill passed 5-3 after the title was struck. Senate Bill 1343, an optometry-related bill intended to ensure vision plan organizations and optometrists follow existing regulatory rules, drew questions about discounts and incentives but was described as not changing the current framework; it passed 8-1. Finally, Senate Bill 2067 was heard to help financial institutions more effectively report suspected financial exploitation of vulnerable adults and share information with Adult Protective Services or law enforcement more quickly. The author said the bill would remove legal barriers and improve scam prevention, especially for older adults. It passed unanimously 9-0. The chair then adjourned the meeting, noting the next meetings would be longer.

Transcript Highlights:

• DNR couldn't opt out of SEIP and go find other insurance.
• DNR couldn't opt out of SEIP and go find other insurance.
• DNR couldn't opt out of SEIP and go find other insurance.
• DNR couldn't opt out of SEIP and go find other insurance.
• DNR couldn't opt out of SEIP and go find other insurance.

Bills: HF3422, HF3461, HF2904

Keywords: state grants, grant oversight, grants management, executive agencies, Minnesota Department of Administration, commissioner of administration, fraud prevention, waste prevention, grant monitoring, financial reconciliation, grant compliance, state government, public funds, grant recipients, competitive grants, grant administration, administrative oversight, monitoring visits, grant policy, legislative leave

Transcript Highlights:

• Clarification of the definition of a corporate executive officer related to workers compensation insurance
• Clarification of the definition of a corporate executive officer related to workers compensation insurance
• Clarification of the definition of a corporate executive officer related to workers compensation insurance
• Clarification of the definition of a corporate executive officer related to workers compensation insurance
• My name is Nicole Blissenmbbach, and I’m the commissioner of the Department of Labor and Industry.

Bills: HF3228, HF2441

Keywords: workers' compensation, insurance programs, employee protection, Minnesota statutes, safety regulations, prevailing wage, certified payroll, payroll reporting, construction contracts, public works, project registration, labor standards, contractor compliance, subcontractor reporting, state government, Department of Administration, Commissioner of Labor and Industry, Metropolitan Council, highway construction, public construction