Transcript Highlights:

• This measure allows to insurance.
• </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:

• 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:

• “What I would say is, as insurance is generally a pass-through, meaning that the insurers are generally
• when a body shop and an insurance adjuster or insurance company could not agree on a loss value, to
• , not health insurance or other types.
• Commissioner to be involved in insurance rates?
• related to homeowners insurance.

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:

• What I would say is, as insurance is generally a pass-through, meaning that the insurers are generally
• By the insurance representatives that I spoke with today.
• House Bill 4488 says that when a body shop and the insurance adjuster or the insurance company don't
• Attorneys that do a lot of insurance litigation.
• involved in insurance rates?

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:

• a clear appraisal process when the Insurer and the policyholder cannot agree on the value of the vehicle
• 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:

• Welcome to Business and Insurance.
• I mean, that is the contention that I've heard from insurance companies.
• And I get a discount through the insurance program that I use with my optometrist.
• The insurance commissioner has been involved all the way back in 24.
• That concludes business and insurance.

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:

• It's it's regulated self-insurance. self-insurance. self-insurance.
• Requires homeowners insurers to provide policyholders with annual disclosures of replacement value cost
• Requires homeowners insurers to offer annually to policyholders increased coverage if their property
• Requires homeowners insurers to offer annually to policyholders increased coverage if their property
• Policyholders. Policyholders.

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.

Bills: SB100, SB122, SB127, HB182, HB275, SB100, SB122, SB127, HB182, HB275

Keywords: property tax, ad valorem tax, real property assessment, assessment cap, county-wide reappraisal, CPI-U, Consumer Price Index, tax assessor, Class II property, Class III property, local government revenue, property tax relief, reappraisal, tax increment district, retroactive tax law, Alabama Code 40-7-2.2, appropriation, education funding, Southern Preparatory Academy, fiscal responsibility

Transcript Highlights:

• I would like to call this meeting of Business and Insurance to order.
• This is for the middle people and healthcare insurance.
• But in my car insurance, I would actually have another option.
• I don't work for an insurance carrier.
• Insurance carriers are trying to catch up with these rising costs.

Bills: SB1969, SB1953, SB1277, SB1287, SB1061, SB1916, SB1589, SB2178, SB1444, SB1438, SB1501, SB1873, SB1364

Keywords: massage therapy, licensing, multistate compact, regulation, healthcare, professionals, Employer Health Plan Transparency Act, health insurance, claims data, contract provisions, health care providers, auditable materials, HIPAA compliance, insurance regulation, unemployment benefits, employment security, work search, job search, reemployment, jobless benefits

Transcript Highlights:

• Insurance.
• My first question to the senator: would you believe that insurers, insurance carriers currently, must
• Is insurance the only industry or Is insurance the only industry where we have seen increased pricing
• Auto insurance rates at that time, the previous year, Auto insurance rates at that time, the previous
• All as an independent insurance agent. I don't work for an insurance carrier.

Bills: SB1969, SB1953, SB1277, SB1287, SB1061, SB1916, SB1589, SB2178, SB1444, SB1438, SB1501, SB1873, SB1364

Keywords: massage therapy, licensing, multistate compact, regulation, healthcare, professionals, Employer Health Plan Transparency Act, health insurance, claims data, contract provisions, health care providers, auditable materials, HIPAA compliance, insurance regulation, unemployment benefits, employment security, work search, job search, reemployment, jobless benefits

Summary: The Senate Business and Insurance Committee met and first laid over Senate Bills 1969 and 1624 without hearing them. It then considered SB 1953, a health insurance transparency bill requiring third-party administrators to provide employers information on what was spent on employee health benefits; an amendment deleting the word “welfare” was adopted, and the bill passed 7-1. SB 1277, which codifies a three-week work-search requirement for unemployment benefits, passed 8-0. SB 1287, amended to change “may” to “shall,” would bar the Oklahoma Abstractors Board from licensing applicants not legally authorized to work in the U.S.; after questions about the need for the bill and the alleged loophole, it passed 7-2. The committee also passed SB 1061, a cleanup measure on mortgage broker licensing and renewal fees, and SB 1916, which would move the Oklahoma Receivership Office under the Insurance Department and streamline receivership operations. SB 1589, as amended to reference Indian Gaming Regulatory Act authorization, would increase penalties for illegal sweepstakes/gambling operations and expand enforcement against entities profiting from illegal gambling; it passed unanimously. SB 2178, a compromise special-event license bill requiring liability insurance coverage, also passed unanimously. Two major insurance reform bills were debated at length and failed. SB 1444 would shift homeowners insurance rate regulation from a use-and-file system to prior filing with authority for the Insurance Commissioner to declare rates excessive; after testimony from a homeowner about a large premium increase and extensive debate over regulation and market effects, it failed 4-5. SB 1438 would require reporting of underwriting gains and profits, cap average profits at 5% over three years, and require rebates or premium credits if profits exceeded that level; supporters argued it would protect consumers, while opponents warned of market disruption and reduced competition. It failed 2-7. The committee then passed SB 1501, clarifying medical marijuana grow reclamation bond requirements, SB 1873, correcting a drafting error in a prior bill and delaying its effective date, and SB 1364, requiring an affidavit of encumbrances before transferring a medical marijuana business license.

Bills: SB2043, SB2044, SB2004, SB2143, SB2411, SB2455, SB2519, SB2661, SB2665, SB2731, SB2737, SB2767, SB2794, SB2830, SB3334

Keywords: insurance, captives, examination, regulations, policyholders, dormant captive, tax exemption, Hawaii revised statutes, financial reporting, outdoor advertising, billboards, public safety, penalties, community pollution, elections, chief election officer, vacancy, order of succession, election commission, campaign finance

Bills: HR213, SB2607, SB2043, SB2396, SB2835

Keywords: Hawaiian Council, Council for Native Hawaiian Advancement, Native Hawaiian, Native Hawaiian community, Native Hawaiian advocacy, recognition resolution, ceremonial resolution, nonprofit, community development, economic development, cultural preservation, self-sufficiency, housing counseling, community development financial institution, CDFI, small business accelerator, trades academy, tourism, regenerative tourism, iwi kūpuna

Bills: HR213, SB2607, SB2043, SB2396, SB2835

Keywords: Hawaiian Council, Council for Native Hawaiian Advancement, Native Hawaiian, Native Hawaiian community, Native Hawaiian advocacy, recognition resolution, ceremonial resolution, nonprofit, community development, economic development, cultural preservation, self-sufficiency, housing counseling, community development financial institution, CDFI, small business accelerator, trades academy, tourism, regenerative tourism, iwi kūpuna

Transcript Highlights:

• There's multiple options of different insurance carriers.
• That my first few years teaching, I was one of the companies that offered those insurance services to
• And they had actually dropped my parents' health insurance when I was like 10 years old.
• But currently, the Office of Oklahoma Receivership is a nonprofit entity separate from the Insurance
• Though the board is made up of largely OID staff, and the chairman is the Insurance Commissioner, we

Bills: SB2063, SB1877, SB1884, SB2174, SB1525, SB1771, SB1805, SB1916, SB1365, SB1810

Keywords: unclaimed property, abandoned property, state treasurer, unclaimed property fund, public website, claimant, hearing, administrative procedures act, sales tax exemption, income tax subtraction, youth entrepreneurs, teen business, minor-owned business, sole proprietorship, business license exemption, entrepreneurship, youth vendor, Oklahoma Tax Commission, Title 60, Title 68

Transcript Highlights:

• Is this a problem we're trying to solve similar to, like, when insurance companies come in and they have
• access to the staff, there's multiple options of different insurance carriers, and this would give access
• One of the companies that offered those insurance services to our school, they had actually dropped my
• parents' health insurance when I was like 10 years old, and I just remember listening to that, reading
• We ...largely made up of OID staff, and the chairman is the insurance commissioner.

Bills: SB2063, SB1877, SB1884, SB2174, SB1525, SB1771, SB1805, SB1916, SB1365, SB1810

Keywords: unclaimed property, abandoned property, state treasurer, unclaimed property fund, public website, claimant, hearing, administrative procedures act, sales tax exemption, income tax subtraction, youth entrepreneurs, teen business, minor-owned business, sole proprietorship, business license exemption, entrepreneurship, youth vendor, Oklahoma Tax Commission, Title 60, Title 68

Summary: The committee first laid over Senate Bill 263, then took up several other measures. Senate Bill 1877, which would create a centralized reporting system for reports through the Secretary of State, was discussed as similar to House Bill 3047 and was reported due pass by a 6-0 vote. Senate Bill 1884, concerning access for statewide educator associations and individual school employees, drew questions about union access, off-campus recruitment, right-to-work law, and possible conflicting language on fees and reimbursement; it was reported due pass 6-1. The committee then advanced tourism and public safety measures. Senate Bill 1365 would update promotional fund language and allow the Tourism and Recreation Department to make certain merchandise purchases outside the central purchasing process up to $75,000; it passed 6-2. Senate Bill 2174 would change the appointment and makeup of the State Fire Marshal Commission board and was reported due pass 8-0. Senate Bill 1525, as amended by a PCS, would let the Tourism and Recreation Department contract for support of its annual tourism conference and charge registration fees to recoup costs, with emergency language added; it passed 6-2. The committee also approved House Bill 1810, which would allow expert testimony in human trafficking cases and add trafficking victims to existing victim services, by an 8-0 vote. On workforce and agency administration, Senate Bill 1771 would expand the Workforce Commission’s authority to collect funding, expenditure, and performance data and to hire outside counsel; it passed 5-2. Senate Bill 1805 would bar certain group homes and post-adjudication treatment facilities from using contract staff, due to concerns about records access and staffing; it passed 6-1. Finally, Senate Bill 1960 would move the Oklahoma Receivership Office under the Oklahoma Insurance Department to modernize and reduce duplication, and it was reported due pass 7-0. The meeting then adjourned.

Transcript Highlights:

• Third reading of Senate Bill 2043, Senate Draft 1, relating to insurance. >> Is there any discussion?

Bills: SB2042, SB2892, SB1163, SB2076, SB2116, SB2122, SB99, SB2088, SB2114, SB2117, SB2118, SB2245, SB2386, SB2079, SB2043, SB2155, SB2268, SB2932, SB3240

Keywords: SB2042, Hawaii insurance, captive insurance, sponsored captive, class 4 captive, minimum capital, surplus requirement, unimpaired capital, insurance commissioner, HRS 431:19-104, commercial insurance, risk retention, insurance regulation, financial solvency, captives, Ways and Means, CPN, feral chickens, chickens, animal control

Bills: SB2042, SB2892, SB1163, SB2076, SB2116, SB2122, SB99, SB2088, SB2114, SB2117, SB2118, SB2245, SB2386, SB2079, SB2043, SB2155, SB2268, SB2932, SB3240

Keywords: SB2042, Hawaii insurance, captive insurance, sponsored captive, class 4 captive, minimum capital, surplus requirement, unimpaired capital, insurance commissioner, HRS 431:19-104, commercial insurance, risk retention, insurance regulation, financial solvency, captives, Ways and Means, CPN, feral chickens, chickens, animal control

Transcript Highlights:

• I would like to call this meeting of Business and Insurance to order.
• Believe me, I am in the insurance industry. I\'ve done this for 17 years.
• or will it save costs to the insurers?
• Captive Insurance Association to improve the statutes surrounding the captive insurance framework.
• Chair. 3796 is the Oklahoma Insurance Department's requests omnibus bill.

Bills: HB4322, HB4202, HB4203, HB4457, HB3983, HB3660, HB3802, HB2933, HB2955, HB2956, HB3781, HB3521, HB3794, HB3796, HB3800

Keywords: funeral services licensing, funeral director, embalmer, funeral director in charge, dual licensure, mortuary science, Oklahoma Funeral Board, funeral establishment, commercial embalming establishment, crematory, cremation, alkaline hydrolysis, apprenticeship, licensing requirements, professional regulation, undertaker, mortician, burial services, death care industry, workers' compensation

Transcript Highlights:

• I'd like to call this meeting of Business and Insurance to order.
• insurers?
• Captive Insurance Association.
• Captive Insurance Association to improve the statutes surrounding the captive insurance framework.
• House Bill 3794 is a request from the Insurance Department.

Bills: HB4322, HB4202, HB4203, HB4457, HB3983, HB3660, HB3802, HB2933, HB2955, HB2956, HB3781, HB3521, HB3794, HB3796, HB3800

Keywords: funeral services licensing, funeral director, embalmer, funeral director in charge, dual licensure, mortuary science, Oklahoma Funeral Board, funeral establishment, commercial embalming establishment, crematory, cremation, alkaline hydrolysis, apprenticeship, licensing requirements, professional regulation, undertaker, mortician, burial services, death care industry, workers' compensation

Summary: The Business and Insurance Committee first handled a series of executive nominations, including appointments or reappointments to the Oklahoma Securities Commission, Real Estate Commission, State Athletic Commission, Accountancy Board, Commission on Consumer Credit, Uniform Building Code Commission, Abstractors Board, Used Motor Vehicle Dismantler and Manufactured Housing Commission, and State Banking Board. Most nominees briefly addressed the committee, and the nominations were advanced by unanimous or near-unanimous votes. One HB 4488 was laid over at the start of the meeting. The committee then considered several bills. HB 4322, which would remove a dual-licensure requirement for funeral directors and embalmers, drew questions about consumer protection and body care procedures and passed 6-3. HB 4202, changing workers’ compensation fee schedule treatment for radiology, passed unanimously. HB 4203, directing the Uniform Building Code Commission to explore guidelines for single-exit configurations in certain buildings up to four stories, passed 7-2 after concerns were raised about fire safety. HB 4457, dealing with specialty pharmacies, pharmacy benefit managers, and access to specialty medications, passed unanimously. Members also debated HB 3983, which would move Oklahoma’s moist smokeless tobacco tax to a weight-based system; supporters argued it would improve fairness and revenue stability, while opponents said it would raise taxes on some products and lacked consumer protections. It passed 6-3. HB 3660, authorizing natural organic reduction as an additional end-of-life option, prompted a lengthy debate over dignity, religious concerns, and consumer choice; it passed 5-4. HB 3802, prohibiting auto insurers from raising premiums solely because a spouse died, passed unanimously. HB 2933, a consumer protection insurance bill, passed 9-0 after extensive discussion of claims handling and insurer accountability. Additional insurance and regulatory measures—HB 2955, HB 2956, HB 3781, HB 3521, HB 3796, HB 3794, and HB 3800—were also advanced, most with little or no opposition. The chair closed by noting all executive nominations and legislation had been cleared from the committee for the year.

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