Transcript Highlights:

• to apply to the insurance commissioner for certificates of exemption from examination after meeting
• </c> Insurance Council in support. Insurance Council in support.
• ><c> with</c> First up, insurance division with First up, insurance division with comments.
• </c> relating to insurance. relating to insurance.
• </c> the DCCA insurance division's testimony. the DCCA insurance division's testimony.

Bills: SB2004, SB2039, SB2042, SB2043, SB2044, SB2132

Keywords: outdoor advertising, billboards, public safety, penalties, community pollution, elections, campaign finance, business entities, political activity, regulation, liability, non-natural persons, insurance, captives, examination, regulations, policyholders, dormant captive, tax exemption, Hawaii revised statutes

Summary: The Senate Commerce and Consumer Protection Committee opened its first hearing of the year with remarks from Chair Jared Kohole outlining hearing procedures, a two-minute testimony limit, rules for remote testimony and decorum, and a revised testimony-publication pilot that keeps 96-hour notice but returns to a standard 24-hour testimony deadline. He then moved through the agenda, beginning with SB 2004 on outdoor advertising, which would increase penalties for violations of billboard and outdoor advertising laws. Testimony on that measure was limited; Henry Curtis of Life of the Land was first up, and written support was noted from Hawaiian Electric and the Outdoor Circle. The committee then heard SB 2039 on election campaign finance, which would prohibit certain business entities from engaging in campaign finance activities. The Attorney General’s office offered comments and did not take a formal position at the hearing. Several proponents testified in support, including Josh Frost, Tom Moore of the Center for American Progress, Hapa/Hawaii Alliance for Progressive Action, and Common Cause Hawaiʻi, all arguing the bill would curb corporate and dark-money influence and return elections to the people. Moore distinguished between regulating corporate “rights” and limiting corporate “powers,” and said the state can redefine the powers it grants corporations. In questions, Senator McKelvey asked whether the bill could be expanded to include unions; the Attorney General said he would need to get back with legal analysis, while Moore said his preferred approach would include all entities and that leaving out nonprofits or unions would create problems. Members also discussed whether the bill would affect PACs, and Moore explained that the proposal would prohibit corporate and dark-money flows into PACs while leaving individual political giving and existing political committees in place. The committee then moved on to the next measure. SB 2042, relating to insurance, was heard next. The bill would reduce the unimpaired minimum capital and surplus required of class 4 sponsored captive insurance companies under certain circumstances. The DCCA Insurance Division said it stood on its written testimony, and the Hawaii Captive Insurance Council testified in support, describing the change as a narrow, risk-based adjustment that would not affect the commissioner’s authority where actual risk resides and would help keep Hawaii competitive. The committee noted additional written support and proceeded without a vote or final action in the portion of the hearing provided.

Transcript Highlights:

• agents to be eligible for licensure as an adjuster without taking the Arizona adjuster examination.
• claims as a salaried employee of an insurer or managing general agent.
• Don Isaacson, welcome. without taking the examination to only adjust claims as a salaried employee of
• an insurer or managing general agent and specifies this adjuster license is valid and renewable only
• I'm here on behalf of State Farm Insurance in support of Senate Bill 1415.

Bills: SB1181, SB1252, SB1254, SB1415

Keywords: certified public accountants, CPA certification, accounting regulations, professional standards, continuing education, assignment for benefit of creditors, ABC act, insolvency, creditor claims, debt liquidation, business wind-up, receivership, liquidation, secured creditors, unsecured creditors, proof of claim, voidable transactions, fraudulent transfer, wage claims, priority claims

Transcript Highlights:

• directly with life insurance, retirement products, and various health insurance products offered in
• We're going to shift from health insurance to a very niche industry of prescribed burning insurance.
• Patients have expressed a desire for the Texas Department of Insurance to more regularly examine the
• This bill would require the TDI commission. ...to perform annual examinations of certain insurers for
• The cost of TDI examinations would be paid for by the insurer or plan which TDI... ...estimates would

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

Keywords: HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301

Transcript Highlights:

• One insurer could care about a particular issue a lot more than another insurer, which may not care about
• Typically what happens is an insurer will provide... to the insured a certificate of insurance that does
• have health care insurance.
• product better than no insurance?
• That can't afford insurance, that need insurance the most.

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

Keywords: HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301

Transcript Highlights:

• So, are there any like independent appraisers that wouldn't be underneath an envelope of an insurance
• House Bill 2955 updates and modernizes the Oklahoma captive insurance company act.
• Insurance Association to improve the state's captive insurance framework.
• It's a bill that I've been working on with the insurance department since last summer.
• insurance.

Bills: HB3783, HB2955, HB3802, HB4488, HB2471, HB3781, HB3127

Keywords: HB3783, plumbing apprentice, endorsed apprentice, endorsed plumbing apprentice, journeyman plumber, plumbing license, Construction Industries Board, Committee of Plumbing Examiners, apprenticeship, trade license, vocational education, occupational licensing, professional licensing, Title 59, Plumbing License Law of 1955, licensure exam, journeyman examination, apprentice registration, plumbing industry regulations, administrative penalty

Transcript Highlights:

• the insurance commissioner for certificates of exemption from examination after meeting...
• ><c> in</c> insurance because captive insurance in insurance because captive insurance in essence<00:
• It's it's regulated self-insurance. self-insurance. self-insurance.
• It simply requires insurers insurance.
• </c> insurance agent to act. insurance agent to act.

Bills: SB2607, SB2031, SB2043, SB2623, SB2876, SB2396, SB2964, SB2089

Keywords: landscape architecture, licensure, educational requirements, examination, professional standards, consumer protection, junk fees, live-event tickets, short-term lodging, transparency, pricing disclosure, deceptive practices, insurance, captives, regulations, policyholders, SB2623, Hawaii pharmacy law, Board of Pharmacy, registered pharmacy technician

Summary: The committee first heard HCR 168 and HR 158, which would create a temporary working group to study utility capacity, coastline infrastructure lifespan, and the costs of needed expansions. Public Utilities Commission staff said the commission was not the right entity to direct all of the work because it lacks authority over many affected agencies. Members discussed whether the study should be limited to a coastal area or broadened to the whole island, and in decision-making the committee amended the measure to focus on the County of Honolulu, correct references to the Public Utilities Commission, and revise the working group membership to include the PUC chair, legislative designees, and directors or designees from DLNR, DOT, HIEMA, and DCCA Consumer Advocacy. The committee then passed both resolutions with amendments; the vote was adopted unanimously, with some members excused. The committee next considered HCR 145 and HR 137, which would convene a working group on climate change impacts on insurance availability and affordability. The Insurance Division stood on its written comments, the Climate Change Mitigation and Adaptation Commission supported the intent, and the Attorney General opposed the measure, warning that a working group could create discoverable materials that might complicate the state’s climate litigation and noting a technical ambiguity in the reference to the Hawaii Hurricane Relief Fund administrator. After questions about discovery and the lawsuit, the committee amended the resolutions to replace the administrator reference with the chair of the Hawaii Hurricane Relief Fund Board of Directors, remove the Attorney General as convener while keeping the office as a member, and have the working group share findings and recommendations with the House CPC and Senate CPN committees instead of issuing a report. The committee passed the measures with amendments, with Rep. Martin voting with reservations. In the later agenda, the committee heard SB 2607, SD 1 on landscape architect licensure. The Board of Professional Engineers, Architects, Surveyors, and Landscape Architects supported the bill, explaining it modernizes licensure requirements to align with national standards and clarifies the profession’s design-focused role. The bill was discussed as distinguishing landscape architecture from groundskeeping and from civil engineering drainage work. No opposition was heard. The committee also heard SB 2031, SD 2 on consumer protection and price transparency for live ticket events and short-term lodging. The Office of Consumer Protection supported the bill, saying it largely mirrors an FTC rule requiring all-in pricing and would give the state enforcement authority and remedies. The Hawaii Financial Services Association opposed the bill as drafted and sought a limited exemption for credit card issuers relying on third-party hotel information, while the Hawaii Hotel Alliance supported the measure but asked for language deeming compliance with the federal rule sufficient for short-term lodging. Committee members questioned whether those proposed exemptions would conflict with federal law or weaken state enforcement, and the discussion focused on preemption, liability, and the value of state remedies such as restitution.

Transcript Highlights:

• Where are the insurance companies? I'll tell you what, my car insurance keeps going up.
• What type of insurance will optometrists have to get additional insurance?
• What type of insurance will optometrists have to get additional insurance?
• What type of insurance will optometrists have to get additional insurance?
• Will optometrists have to get additional insurance or malpractice insurance?

Bills: HB99, HJR5, HM39, HB206, HB213, SB41, SB153, SB165, SB261, SB264

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

Transcript Highlights:

• examination.
• That is four months without an animal being seen or examined by a veterinarian.
• examination, requires that a person who is a licensed salaried employee adjuster adjust for an insurer
• or an insurer in a capacity other than as a salaried employer.
• We worked this out with the Department of Insurance.

Bills: SB1021, SB1144, SB1164, SB1178, SB1181, SB1241, SB1247, SB1286, SB1415, SCR1011

Keywords: health profession, regulatory boards, criminal activity, notification, auditor general, investigations, veterinary technicians, certification, education alternative, Arizona Revised Statutes, veterinary education, ALTCS, providers, ownership change, healthcare, Arizona Long Term Care System, naturopathic physician, naturopathic medicine, naturopathic doctor, naturopathic physicians medical board

Bills: HB386, HB387, HB388, HB389, HB386, HB387, HB388, HB389

Keywords: HB386, food tax, grocery tax, sales tax reduction, use tax, Education Trust Fund, state revenue trigger, tax cut, consumer tax relief, Alabama sales tax, Alabama use tax, groceries, retail tax, revenue growth threshold, county and municipal tax, fiscal trigger, sales tax, food taxation, local government, financial growth

Transcript Highlights:

• Well, while they're In trade school, that test and all those examination questions are fresh on their
• We have had significant increases in insurance costs, which are due to a variety of insurance costs and
• insurance companies challenging claims and then not paying.
• avenue for the consumer to create a savings account because of some of the things we're seeing in the insurance
• that up into, then I could pay that claims essentially out of that and keep that cost off of my insurance

Bills: HB2929, HB2956, HB2955, HB3128, HB3880, HB4294, HB2970, HB3338, HB3443, HB3783, HB3800, HB3818

Keywords: homeowner insurance, insurance premium, claim history, insurance regulation, at-fault claims, flood insurance, state law, consumer protection, appraisal management, Real Estate Appraiser Board, appraiser registration, background checks, ownership requirements, captive insurance, protected cell, sponsored captive, captive insurer, insurance commissioner, premium tax, dormant captive

Transcript Highlights:

• This particular bill focuses on insurance coverage, roof adoption, and you. For questions.
• The Oklahoma Insurance Department requests the following changes to update provisions related to the
• homeowner's insurance in the Oklahoma Insurance Code.
• Oklahoma Insurance Department. Thank you so much. Underwriting purposes.
• Oklahoma Insurance Department. Thank you so much. Have pass, see no questions.

Bills: HB2929, HB2956, HB2955, HB3128, HB3880, HB4294, HB2970, HB3338, HB3443, HB3783, HB3800, HB3818

Keywords: homeowner insurance, insurance premium, claim history, insurance regulation, at-fault claims, flood insurance, state law, consumer protection, appraisal management, Real Estate Appraiser Board, appraiser registration, background checks, ownership requirements, captive insurance, protected cell, sponsored captive, captive insurer, insurance commissioner, premium tax, dormant captive

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
• They were also 13.6% less likely to initiate early examinations when those insured saw... ...showed signs
• That way, the insurance cost that we're trying to buy would be less.
• overall availability of insurance in the marketplace.

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:

• It establishes clear insurance and liability standards and caps attorney's fees at 25% of recovered funds
• It establishes clear insurance and liability standards and caps attorney's fees at 25% of recovered funds
• Howard Adams, waived speaking in support, Preferred Governmental Insurance Trust.
• try to see if there's a way to strike this balance, is for law enforcement agencies that are self-insured
• And the reason being is there are larger law enforcement agencies that are self-insured and not a part

Bills: S0330, S0474, S0694, S1120, S1216, S1366, S1442, S7018

Keywords: firefighter disability, law enforcement disability, correctional officer disability, correctional probation officer, presumptive disability, workers' compensation, line of duty presumption, heart disease presumption, hypertension presumption, tuberculosis presumption, public safety employees, first responders, physical examination, preemployment exam, medical specialist, Medicare reimbursement, employing agency, Florida Statutes 112.18, Florida Statutes 943.13, occupational disease

Summary: The committee heard and advanced several bills, beginning with SB 694 on compensation for the descendants of the Groveland Four. Senator Bracey Davis described the wrongful accusations, convictions, deaths, and long-term harm to the families, and an amendment added a $4 million appropriation and updated the recipient for Ernest Thomas’s family. Multiple family members, advocates, clergy, and supporters testified in favor, emphasizing the decades-long delay in justice and the need for accountability and repair. Senators from both parties spoke in support, and the committee reported the bill favorably after a roll call vote. The committee then approved SB 330 on disability provisions for firefighters, law enforcement, and correctional officers; SB 474 on military affairs leave and related benefits; and SB 96 on the Veterans Dental Care Grant Program. SB 96 drew the most discussion, with Senator Sharief explaining that the bill raises eligibility to 400% of the federal poverty level and moves $500,000 in recurring funding to the General Appropriations Act. Senator Wright and Senator Harrell raised concerns about whether expanding eligibility could worsen the existing waitlist, while supporters argued the change would help more veterans access needed dental care. The bill was ultimately reported favorably. The committee also passed SB 7018 on child welfare, making the Step Into Success pilot program permanent and statewide, adjusting visitor/background-check rules for foster homes, and creating a best-practices program through the Florida Institute for Child Welfare. SB 480 on information technology was reported favorably after amendments creating a central IT governance structure under the Governor’s office, adding vendor performance metrics and a preferred vendor list, and restoring criminal justice information security provisions. SB 1066 on the Ocklawaha River and Rodman Dam also advanced after extensive testimony from supporters and historians about partial restoration, recreation, and economic benefits; the sponsor said he would continue working through permitting questions before floor consideration. Later, the committee approved SB 1216 on educator compensation, which gives districts more flexibility on cost-of-living adjustments, advanced degrees, and performance pay caps, and SB 1120 on water management district oversight and reporting. The committee also reported favorably SB 1366 on sovereign immunity and claims against government, which would raise damages caps, index them to CPI, shorten claim deadlines, and cap attorney fees at 25%. That bill drew testimony from hospitals, cities, counties, school districts, and others, with some supporting the Senate’s compromise approach and others raising concerns about impacts on self-insured law enforcement agencies and attorney incentives. The meeting concluded with the favorable report on the bill after debate continued over those issues.

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:

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