Transcript Highlights:

• National Crop Insurance Services Board of Directors. a member of the American Association of Crop Insurance
• RCIS delivers crop insurance nationally.
• I just encourage the committee to, like I say, incentivize crop insurance agencies... to sell crop insurance
• Why are crop insurance rates going up? Yeah, I mean, I think crop insurance. creates certainty.
• In your specialty crop world, crop insurance insurance is working on those crops, working well?

Keywords: farm bill, rural economy, crop insurance, access to credit, young farmers, USDA funding freeze, agricultural policy, risk management

Summary: The meeting of the agricultural committee focused on significant concerns regarding the current state of America's rural economy, highlighting the need for a strong five-year farm bill to address the challenges faced by farmers, particularly young and beginning farmers. Key testimony was given by multiple stakeholders including agricultural leaders and young farmers, emphasizing issues related to crop insurance, access to credit, and the adverse impact of recent USDA funding freezes. Various members discussed the necessity of risk management tools that farmers rely on to secure financing, which is crucial for sustaining agricultural operations and supporting rural communities. The importance of timely legislative action was underscored, as many farmers reported struggles in the current economic climate, raising urgency for reforms within the Farm Bill framework.

Transcript Highlights:

• And I don't understand why we would exclude somebody because of the type of crop they raised and then
• And I don't understand why we would exclude somebody because of the type of crop they raised and then

Bills: HF3508, HF3548, HF3549

Keywords: dairy assistance, agriculture, investment, relief initiative, farm support, farm assistance, down payment, state funding, loan modification, grain indemnity, financial security, crop insurance, Minnesota agriculture, 1183, house

Transcript Highlights:

• We look at the firefighters and police pensions, where they're getting a direct subsidy from the insurance

Bills: SB1177, HB3705, SB1942, SB2026, SB1533, SB1327, SB2065, SB2155, SB2159

Keywords: education funding, mental health services, public safety, housing, state budget, tax credit, parental choice, private school, income tax, dental insurance, health care, medical necessity, insurance claims, dentist rights, military discharge, veterans, DD Form 214, confidentiality, grandchildren access, veteran burial

Transcript Highlights:

• Senate Bill 2601 also prohibits insurers from factoring claims for damages into insurance rate calculations

Bills: SB2601

Keywords: landowner compensation, border crime, agriculture damage, law enforcement, crop loss

Summary: The Senate Committee on Border Security met with a quorum and heard only one bill, Senate Bill 2601 by Senator Blanco, laid out by Senator Hinojosa of Hidalgo. The bill was presented as a committee substitute to revise the Landowner’s Compensation Program created last session under SB 1133. The changes would expand eligibility to include land lessees with the landowner’s permission, cover damage to the land itself as well as structures and real property, add continuous smuggling of persons as a qualifying border crime, prohibit insurers from using claims under the program in rate calculations, and require law enforcement to provide requested border crime reports to the Attorney General within 14 days. Public testimony was unanimously supportive. Charles Maley of the South Texans Property Rights Association said the program has been beneficial and that the bill helps clean up implementation issues, including clarifying compensation for debris and pollutants left on land. Stephen Diebel of the Texas and Southwestern Cattle Raisers Association also supported the bill, saying it would help address fence damage, destroyed infrastructure, and other harms along the border, and that lessees who manage properties day to day should be eligible for direct compensation when they have the landowner’s permission. Members discussed border-related property damage, including vehicles crashing through fences, broken sheds, livestock escaping, and resulting highway hazards. Senator Hinojosa asked about how conflicts between landowners and lessees would be handled, and testimony indicated documentation of lease authority would be required. After public testimony closed, the committee adopted the committee substitute without objection and voted to report SB 2601 favorably to the full Senate by a 5-0 vote, recommending it as local and uncontested.

Transcript Highlights:

• It's unfortunate, but our livestock and crop producers up there are already waiting for dollars right
• but our our uh our livestock and uh crop but our our uh our livestock and uh crop producers<00:12
• fence claims and and the uh the crop fence claims and and the uh the crop damage<00:14:56.959>
• <00:15:37.519> This<00:15:37.760> representative insurance um items.
• This representative insurance um items.

Bills: HF601

Keywords: agriculture, depredation compensation, livestock, crop damage, elk, wolves, wildlife management, 1183, house

Bills: HF601

Keywords: agriculture, depredation compensation, livestock, crop damage, elk, wolves, wildlife management, 1183, house

Transcript Highlights:

• Senate Bill 2601 also prohibits insurers from factoring claims for damages into insurance rate calculations

Bills: SB2601

Keywords: landowner compensation, border crime, agriculture damage, law enforcement, crop loss, 1185, senate, all

Summary: The Senate Committee on Border Security met with a quorum and heard one bill, Senate Bill 2601 by Senator Blanco, laid out by Senator Hinojosa of Hidalgo. The bill amends the Landowner’s Compensation Program, which was created last session and is administered by the Office of the Attorney General, to expand eligibility to land lessees, cover damage to the land itself as well as structures and real property, add continuous smuggling of persons as a covered border crime, prohibit insurers from using claims under the program in rate calculations, and require law enforcement to provide border crime reports to the Attorney General within 14 days. The committee substitute also makes the bill a legislative council draft. Public testimony was unanimously supportive. Representatives of the South Texans Property Rights Association and the Texas and Southwestern Cattle Raisers Association said the program has helped landowners but needed cleanup and broader access, especially for lessees who manage property day to day and may otherwise not receive compensation. Testimony also emphasized ongoing problems with fence damage, debris, pollutants, and other border-related property damage. Members asked about implementation, including how conflicts between landowners and lessees would be handled; the response was that documentation of authority and lease responsibilities would be required. After public testimony closed, the committee adopted the committee substitute without objection. Senator Hinojosa then moved that SB 2601 be reported favorably to the full Senate with the committee substitute, and the motion passed on a 5-0 vote. The bill was also recommended for the local and uncontested calendar, with no objection.

Transcript Highlights:

• , floriculture crops, and nursery crops.
• grant<01:10:02.560> fruit uh crop plant crop block grant fruit uh crop plant crop block grant
• That's still crops, and nursery crops.
• You can start small or even add grazing on crop land with cover crops.
• You can start small or even add grazing on crop land with cover crops.

Bills: HF3579, HF3549, HF3548, HF4388, HF3566

Keywords: eggs, donation, quality assurance, food assistance, charitable programs, agriculture, grain indemnity, financial security, crop insurance, Minnesota agriculture, farm assistance, down payment, state funding, loan modification, rotational grazing, grazing management, livestock, pasture management, soil health, erosion control

Transcript Highlights:

• <00:07:52.720> farmer, dad is a first generation crop farmer, dad is a first generation crop
• The delay in and crop destruction.
• So in the past we've had crop insurance adjusters who did the evaluations.
• So in the past we've had crop insurance adjusters who did the evaluations.
• , on for planting on time, managing crops, on for planting on time, managing crops, safety,<01:03

Bills: HF3580, HF3566

Keywords: agriculture, livestock, depredation, crop damage, wolf compensation, elk damage, state funding, agricultural protection, trespass, criminal penalties, farm equipment, agricultural land, 1183, house

Summary: The committee first approved the minutes from the previous meeting and then heard from Minnesota FFA officers, who described FFA as a student-led agricultural education organization focused on leadership, personal growth, and career success. The students explained the three-part model of agricultural education, the size and reach of FFA in Minnesota, and upcoming events at the Capitol, including an agricultural policy experience conference and FFA Day at the Capitol. Members asked about FFA’s role in encouraging the next generation of farmers, the organization’s broader focus beyond farming to include wildlife and other natural resources careers, and the mix of rural, metro, and urban chapters. The students emphasized that FFA and agricultural educators help students discover career paths and that urban chapters are active and thriving alongside rural ones. The committee then received a presentation from the Minnesota Department of Agriculture on the Agri program. The department described Agri as a legislature-created program that uses producer-payment funds to support roughly 15 grant and cost-share programs, including newer efforts such as Protect and Prepare. Testimony stressed transparency and fraud prevention: Agri is reimbursement-based, requires detailed documentation, conducts site visits on grants over $25,000, and has identified and stopped more than a dozen fraudulent applications in the past year. The department also noted a prior legislative auditor review of two larger Agri programs and said only about one-tenth of 1% of reviewed expenditures were recommended for recovery. The department highlighted the Make It Minnesota cost-share program, which helps Minnesota food and agriculture companies attend national trade shows such as Natural Products Expo West. Testifiers then described how Agri has supported their businesses: Mark Schiller of Lon Liquor in Northfield said the program helped his microdistillery expand into milling organic flour and adding food service, while Pete Gangler of Snowpack Foods in Caledonia said Agri grants supported food safety improvements, processing capacity, and a new freezer warehouse project. The department said additional grantees would testify as well, and members asked whether the department’s fraud-prevention practices could be shared with other state agencies; staff said they already are being shared through interagency best-practice efforts.

Transcript Highlights:

• Senate Bill 2159 designates wheat as the official crop of Oklahoma since 2016.

Bills: SB1327, SB2065, SB2155, SB2159

Keywords: tourism, recreation, economic development, Oklahoma Commission, executive director, pollinator, state symbols, agriculture, insects, environment, Route 66, revolving fund, commission, cultural heritage, funding applications, official crop, wheat, Oklahoma, 914, all

Transcript Highlights:

• options. of companies writing health insurance right now.
• In a 2021 study, it was found that 50% of state insurance commissioners nationwide had joined the insurance
• That way, the insurance cost that we're trying to buy would be less.
• overall availability of insurance in the marketplace.
• It exempts TWIA from insurance premium maintenance taxes under .017.

Bills: SB1642, SB1643, SB2530

Keywords: Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance, commercial automobile insurance, rate approval, consumer protection, windstorm insurance, Texas Windstorm Insurance Association, administrative penalties, coastal counties, 1184, house, all

Transcript Highlights:

• Many of the major insurers of churches... insurers like Church Mutual, Brotherhood Mutual, and GuideOne
• They were told their insurance policy wasn't going to be renewed because their insurer wasn't writing
• Insurance costs from 2023 to 2024 for the Cowboy Church have covered. $35,000 to insurance companies.
• Their insurance companies...
• 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:

• When I do polling on windstorm insurance...
• I represent the Texas Coalition for Affordable Insurance Solutions. Insurance solutions.
• Any insurer may provide personalized property and casualty insurance that creates economies of scale
• We're an insurance distribution firm delivering tailored insurance solutions as individuals together.
• The insured is our client, and the insurance carrier is our trading partner.

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:

• If the claimant or the insured...
• Flood Insurance Program policies.
• It also under flood insurance policy would not just be limited to flood insurance program policies, but
• So, in essence, if insurance companies feel the need to raise insurance rates below a 5% threshold, they
• in a variety of insurance products.

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• Insurance will come to order. The clerk will call the roll. Dean. That's it.
• Members, healthcare provider insurance credentialing is a process by which insurers validate the qualifications
• The Texas Department of Insurance requires an insurer to determine a provider's eligibility within 90
• The insurer isn't required to include the applicant in its provider directory until approved under the
• The insurer is entitled to payment from the provider and/or their practice to cover the difference from

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• If the insurer is unable to contact the insured, the insurer denies the third party's claim.
• Insured, there is the insured under the policy, so the insurer needs to work with the actual driver of
• It shifts the duties of both the insurer and the insured.
• An insurance company has a duty when their insured causes an accident and their insured gets sued.
• The insurance company has a duty to defend that insured.

Bills: SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer

Transcript Highlights:

• <00:08:00.960> premiums with homeowners insurance premiums with homeowners insurance premiums
• <00:09:46.399> in insurance in insurance in Minnesota<00:09:48.320> many<00:09:48.600><
• <00:10:15.000> companies new roof by their insurance companies new roof by their insurance
• conversations about dental insurance conversations about dental insurance mostly<00:25:05.840>
• <01:36:51.280> insurance affordable auto insurance insurance affordable auto insurance insurance

Bills: HF2228, HF46, HF856, HF2149, HF2215

Keywords: homeowners insurance, property insurance, commercial property insurance, insurance affordability, insurance market stabilization, reinsurance, catastrophic reinsurance fund, self-insured pool, premium costs, coverage notice, liability reform, climate risk, climate change, housing affordability, multifamily housing, rental housing, common interest communities, cooperatives, small business insurance, Minnesota Commerce Department

Transcript Highlights:

• Section 544.002 of the Insurance Code is intended to protect individuals from having insurance companies
• at two types of auto insurance and two types of homeowners insurance to see whether or not Credit scores
• Credit-based insurance scores have been used in insurance for a few decades.
• credit-based insurance scores (CBIS).
• American National Insurance. Okay.

Bills: HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• I just tell the patient to get on the phone and call the insurance company because what the insurers.
• The first thing is with the other disclosures that are required that an insurer provide to an insured
• So, all this does is just require the insurer to notify the insured that you have a right to request
• assign to single insureds.
• We've just had a good discussion about the loophole in the Texas insurance code that allows insurance

Bills: HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• It's a very versatile crop.
• And we need a the FFA chapter thought that we needed a crop designated as a state crop so better yield
• So, is wheat Oklahoma's number one cash crop? Thank you for that question.
• So, is wheat Oklahoma's number one cash crop? Thank you for that question.
• And I think wheat is definitely the crop that we need to be identified with.

Bills: SB1550, SB2065, SB2110, SB2111, SB2114, SB2152, SB2159, SB2172

Keywords: burn ban, drought, emergency powers, county commissioners, fire safety, wildfire prevention, pollinator, state symbols, agriculture, insects, environment, hunting regulations, orange clothing, commercial hunting, game and fish, wildlife management, wildlife, trespass, dogs, hunting