Transcript Highlights:

• insurance coverage.
• type of treatment, which creates unknowable Potential limitless liability on insurers.
• If insurers wish to avoid the legal liability against Texans based on sex, they'll be forced to pass
• Commercial auto liability insurance coverage for drivers operating through a transportation network company
• If you don't have a passenger in your vehicle, your need for liability insurance is... which is what

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:

• I represent the Texas Coalition for Affordable Insurance Solutions. Insurance solutions.
• and excess general liability.
• 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

Bills: SB 1468, SB 1612, SB 1789, SB 2530, SB 2571, SB 2717, SB 2967

Keywords: utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties, coastal counties, catastrophe year

Bills: SB 1468, SB 1612, SB 1789, SB 2530, SB 2571, SB 2717, SB 2967

Keywords: utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties, coastal counties, catastrophe year

Transcript Highlights:

• <01:31:21.760> insurance<01:31:22.400> means maintaining liability insurance means
• maintaining liability insurance means safer<01:31:22.960> roads<01:31:23.280> and<01:31
• As you have heard from others, basic liability insurance is priced on non-driving factors such as level
• As you have heard from others, basic liability insurance is priced on non-driving factors such as level
• As you have heard from others, basic liability insurance is priced on non-driving factors such as level

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:

• Basically, it is to help our insurance carriers, the workers' compensation insurance carriers based in
• the committee substitute does, is make a change to where before there was some concern that the insurance
• Out-of-state insurance carriers will not be charged a retaliatory tax when issuing a policy in the state
• With respect to the 90%, what is the best way to avoid criminal liability?
• This bill represents a massive expansion of liability for owners, both personal liability and cutting

Bills: SB1468, SB1612, SB1789, SB2530, SB2571, SB2717, SB2967

Keywords: utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties, coastal counties, catastrophe year

Transcript Highlights:

• Our members are 400 property and casualty insurance companies who write auto, home, and commercial insurance
• , again, would be a cost borne by the insurance industry.
• For the record, Ryan Brannon with the Coastal Windstorm Insurance Coalition.
• Is it across the state by all insurers?
• That's right, all insurers except for mutuals, and that money is collected and paid by the insurers to

Bills: SB1468, SB1612, SB1789, SB2530, SB2571, SB2717, SB2967

Keywords: utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties, coastal counties, catastrophe year

Transcript Highlights:

• Insurance agents and brokers are engaging in the business of insurance and should be subject to the insurance
• Basically, there are domestic bail bond insurers, foreign bail bond insurers, and alien bail bond insurers
• Domestic bail bond insurers, foreign bail bond insurers, and alien bail bond insurers.
• They handle insurance operations among insurance carriers.
• They handle insurance operations among insurance carriers.

Bills: S0266, S0394, S0540, S0632, S0642, S0832, S0834, S1028

Keywords: public adjuster, contract cancellation, state of emergency, vulnerable adults, disciplinary actions, financial regulation, information security, financial exploitation, licensing, transportation, insurance, TNC, ride-sharing, automobile liability, bail bond, insurance regulation, foreign insurers, financial disclosure, premium reporting, residential property insurance

Summary: The Committee on Banking and Insurance met with a quorum and took up several bills, beginning with SB 834 on insurance requirements for nonprofit religious organizations and health care sharing ministries. The bill repeals a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing fraud and disclosure protections; opponents said allowing agents and brokers could create consumer confusion and has been associated with bad actors. A title amendment was adopted, and after debate the committee reported the bill favorably. The committee also heard and passed SB 642, which extends reporting and duty requirements to foreign and alien bail bond insurers, and SB 394, a technical bill updating reinsurance intermediary manager law to match current DFS practice. SB 266, which lets vulnerable adults rescind public adjuster contracts without penalty, was reported favorably after testimony from supporters in the insurance and elder law communities and a public adjuster who said the intent was good but the bill may need refinement. SB 832, a residential property insurance transparency bill requiring rate breakdown reports and a consumer resource center, also passed after discussion about consumer clarity and whether the required cost categories can be compiled as written. Later, the committee approved SB 540, which creates cybersecurity requirements for mortgage and money service businesses, closes a regulatory gap for certain investment advisers, adjusts OFR examination-payment deadlines, changes de novo charter requirements, allows virtual credit union meetings, and makes other financial regulation updates. Several amendments were adopted, including a substitute amendment removing fintech sandbox provisions. Finally, SB 1028 on Citizens Property Insurance Corporation was reported favorably after debate over a commercial lines clearinghouse intended to reduce Citizens’ exposure and shift more business to the private market; members discussed taxpayer risk, market competition, and consumer protections. The meeting ended with adjournment.

Transcript Highlights:

• This is a meeting of the Insurance Committee. Today is May 13th, 2026.
• This is a meeting of the Insurance Committee.
• I do have a lot of experience as a lawyer with health insurance in particular and insurance in general
• I do have a lot of experience as a lawyer with health insurance in particular and insurance in general
• I do have a lot of experience as a lawyer with health insurance in particular and insurance in general

Bills: SB511, SB512, HB591, HB909, HB938, HB1154, HB1187

Keywords: automobile repairs, insurance transparency, repair shop liability, non-OEM parts, policyholder rights, automobile insurance, appraisal process, insurance policyholders, dispute resolution, claim valuation, family leave, insurance, paid leave, employment benefits, caregiver support, behavioral health, crisis services, mental health care, insurance coverage, healthcare access

Transcript Highlights:

• This measure allows to insurance.
• Insurance Council in support. Insurance Council in support.
• > with First up, insurance division with First up, insurance division with comments.
• relating to insurance. relating to insurance.
• 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:

• The doctor's company is a large insurer of doctors here.
• I’m very skeptical about any—does your car insurance ever go down? No.
• Does your health insurance... Down to your car. Does your car insurance ever go down? No.
• And then again, not familiar with medical malpractice insurance, I think about homeowners or car insurance
• My car insurance, homeowners insurance goes up when my neighborhood has more break-ins or more cars are

Bills: HB99, HB49, HB164, SB30, SB43, SB50, SB136

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:

• They'll come in like to call this committee meeting of Business and Insurance to order.
• Referential favorable treatment to bidders whose pharmacy benefit managers do not own health insurance
• Oklahoma Insurance Commission. For questions, do pass from Senator Brooks. Second from the chair.
• But the PM and their parent insurance company.
• The PM and their parent insurance company are the ones who choose where this dispensing fee goes.

Bills: SB1673, SB1500, SB1447, SB1646, SB2007, SB1275, SB2074

Keywords: prosthetics, health insurance, medical necessity, patient rights, insurance liability, pharmacy benefits manager, healthcare providers, claims processing, reimbursement, insurance regulation, employees insurance, contract awarding, certifications, state procurement, insurance plan, mental health, substance use disorders, utilization review, benefit coverage, pharmacy

Bills: SB303, SB303

Keywords: education, principal leadership, mentoring, high-poverty schools, professional development, off-road vehicles, public roads, registration, liability insurance, age requirement, traffic regulations, 1136, house, all

Transcript Highlights:

• If the insurer is unable to contact the insured, the insurer denies the third party's claim.
• 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.
• The insurer has no duty to pay anything until the liability has been established.

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:

• She said they were almost unable to find liability insurance, and the carriers specifically cited their
• She said they cannot operate without liability insurance.
• Trisha Kajimura, Parents and Children Together, said they were almost unable to find liability insurance
• She said they cannot operate without liability insurance.
• . insurance. insurance.

Bills: HB1573, HB1645, HB1875, HB1898, HB2121

Keywords: electronic smoking devices, e-liquids, certification, FDA, state law, penalties, compliance, directory, public health, nonprofit, child welfare, liability, insurance, legal protections, Hawaii, health care, reproductive rights, gender-affirming care, privacy, civil liability

Summary: The committee heard testimony on HB 1573, which would create state enforcement authority over unauthorized e-cigarette products and related tobacco enforcement. Supporters including SHPDA, the Department of Health, the Attorney General’s office, Hawaii Public Health Institute, and others said the bill would help protect youth from unauthorized vaping products, give the state tools to enforce an FDA-authorized product list, and add penalties and inspection authority. A committee member asked whether enforcement staff were available and what penalties would apply; the response was that existing tobacco investigators would take on the work, and the bill includes civil penalties, seizure authority, and possible license revocation referrals. The measure drew both support and opposition testimony, but no vote was taken in the portion provided. The committee then took up HB 1645, relating to liability for child welfare service providers. The Insurance Division said it was aware of the insurance-cost problem, had raised the issue with the NAIC, and was exploring a captive insurance option, while suggesting the legislature consider additional appropriations to DHS to cover higher contract costs. Supporters, including Parents and Children Together and Hawaii Insurance Council, argued the bill would help child welfare providers obtain insurance and continue critical services. Opponents, including the Hawaii Association for Justice, warned that removing joint and several liability could leave victims undercompensated and might not actually lower premiums. The insurance commissioner said other states have done tort reform in this area, but the committee was told it is not clear the bill would reduce insurance costs. Finally, the committee heard extensive testimony on HB 1875, which would protect access to gender-affirming care in Hawaii and shield patients and providers from out-of-state legal actions. Support came from the Hawaii State Youth Commission, LGBTQ+ and public health groups, medical professionals, ACLU Hawaii, Planned Parenthood, and others, who said gender-affirming care is evidence-based, medically necessary, and important for patient privacy, provider stability, and continuity of care. Several witnesses asked for amendments to the bill’s definition language. Opposition testimony came from individuals and groups including Hawaii Christian Coalition, Leeward Republican Women’s Club, and others, who argued the bill could expose children to irreversible decisions and that more research is needed. The chair noted roughly 176 supporters and about 40 opponents testified. No final action or vote was reported in the excerpt.

Transcript Highlights:

• Section 544.002 of the Insurance Code is intended to protect individuals from having insurance companies
• premiums in Harris County for basic liability insurance and for good drivers.
• insurance is a crime in Texas.
• And so I raise all of that to at least say that for basic liability insurance, which people are required
• Credit-based insurance scores have been used in insurance for a few decades.

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
• They must have their site investigated by the Fire Prevention Officer and obtain liability insurance.
• assign to single insureds.
• The chair lays out as pending business HB3520 by Spiller, relating to automobile liability 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:

• continue the explanation of your Bill with title off Senate Bill 2019 creates the political subdivision liability
• insurance guarantee program and the political subdivision guarantee fund, and some of these words we're
• That's what it's intended uses for these will be with your shared insurance groups in those political
• This is a voluntary buy-in reinsurance insurance program that they can pay into if they want to.
• What I'm hearing is insurance, and then the next I'm hearing about civil issues as it relates to civil

Bills: SB1288, SB1705, SB1878, SB2019, SB2118

Keywords: emergency management, federal funding, disaster relief, cost sharing, public assistance, bail reform, public funds, nonprofit organizations, political subdivisions, injunctive relief, criminal procedure, surety bond, judicial discretion, uniform bond schedule, liability insurance, judgments, insurance fund, Oklahoma, county sheriff, commissary

Transcript Highlights:

• the citizens of the state are protected, but also allow the risk that the state has to take with insurance
• /c><00:31:41.840> to<00:31:42.000> take<00:31:42.240> with<00:31:42.559> insurance
• <00:31:43.120> that<00:31:43.279> it state has to take with insurance that it state
• has to take with insurance that it can<00:31:43.600> be<00:31:43.760> somewhat<00:31:44.159
• <00:35:15.280> pools it gives our um self- insurance pools it gives our um self- insurance

Bills: HB0101, HB0062, HB0109

Keywords: guardianship, monitoring, ward protection, financial independence, case management, governmental claims, liability limits, inflation adjustment, public safety, local government insurance, property tax, tax exemption, homeowner, armed forces, residency requirement, 916, all

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.
• insurance.
• liability.
• We have a system where you cannot be a certified burner in Texas without general liability insurance;

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