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.

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

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

Transcript Highlights:

• first-party physical damage coverage to provide a clear appraisal process when the Insurer and the policyholder

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

Keywords: captive insurance, protected cell, sponsored captive, captive insurer, insurance commissioner, premium tax, dormant captive, risk retention group, pure captive, association captive, industrial insured captive, series captive, branch captive, special purpose captive, reciprocal insurer, capital and surplus, letter of credit, change in control, merger, conversion

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 is a provision in here that allows any policyholder to do that.
• to bring rates down, but they're also to provide some consumer protections on the back end for policyholders
• For policyholders, right? So it's not necessarily all about rates.
• idea that, like, I think you might have been in here when we talked about this: the idea that any policyholder
• one, that would just add cost to the rate process, and that cost would probably be spread on to policyholders

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

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:

• and the sufficiency of policyholders' coverage.
• And the sufficiency of policyholders' coverage.
• United Policyholders in support on Zoom. I'm here. Okay, can you hear me? Yes.
• Um, and I'm very sympathetic to the comments from United Policyholders.
• 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: 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

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:

• ' policyholders and policyholders in the private market.
• And it's charged to policyholders and Citizens policyholders and non-policyholders alike.
• But as far as—are you talking about policyholders? Policyholders, yeah. Oh, okay.
• Policyholders and non-policyholders alike get hit with the emergency assessment.
• We assisted about 3,500 policyholders.

Summary: The Insurance and Banking Subcommittee received a lengthy presentation from Citizens Property Insurance Corporation CEO Tim Serio, with Insurance Commissioner Michael Yaworski also answering questions. Serio reviewed Citizens’ role as Florida’s insurer of last resort, its statutory funding structure, eligibility rules, depopulation program, reinsurance obligations, and the surcharge/emergency assessment mechanisms that can be used if Citizens runs a deficit. He emphasized that recent legislative reforms, combined with lower litigation and improved market conditions, have helped the private market recover and reduced Citizens’ policy count from a peak of about 1.41 million in 2023 to 936,182 at the end of 2024, with a projected drop to about 771,000 by the end of 2025. He also said the reforms reduced Citizens’ rate need and helped avoid an emergency assessment after the 2024 storms. Members asked about Citizens’ rate increases, why Citizens still seeks higher rates despite lower litigation, how the 20% eligibility threshold works, whether Citizens should be wind-only, and whether the state or federal government could help with deficits. Serio explained that Citizens is still charging below actuarially sound rates in most areas, that rate filings reflect reduced litigation and lower reinsurance exposure, and that assessments on all Florida property policyholders are the reason Citizens tries to build surplus and depopulate. He said the depopulation program is working better than in the past, with less than 2% of takeout policies returning to Citizens, and that the Office of Insurance Regulation has been vetting takeout companies more carefully. A substantial portion of the discussion focused on claims handling after Debby, Helene, and Milton, including flood-versus-wind disputes and Citizens’ use of the Division of Administrative Hearings for some claim disputes. Serio said Citizens had received 76,625 claims from the three storms and had paid nearly $823 million in indemnity and expenses as of January 7, 2025. He said many closed-without-payment claims were either below deductible, withdrawn, duplicate, or flood-only, and that Citizens had asked its internal audit function to independently review the claims data and denials. He also described Citizens’ storm outreach, catastrophe response centers, managed-repair program, and claim review process, and said the corporation remains focused on paying valid claims while minimizing the risk of assessments on the broader Florida market.

Transcript Highlights:

• I'm a staff attorney speaking on behalf of United Policyholders in support of SB 429.
• I'm a staff attorney speaking on behalf of United Policyholders in support of SB 429.
• So this has just proven to be really unrealistic for policyholders experiencing loss.
• My name is Richard Otis, staff attorney, speaking on behalf of United Policyholders.
• Richard Otis, staff attorney speaking on behalf of United Policyholders.

Summary: The Assembly Insurance Committee met to hear several bills related to insurance coverage, wildfire risk, workers’ compensation, and paid family leave. SB 8 by Senator Ashby would extend workers’ compensation and disability protections to Sacramento County park rangers, with testimony emphasizing that they perform law-enforcement-like duties and should receive the same protections as comparable officers. SB 429 by Senator Cortese would create a public wildfire catastrophe model and related wildfire safety program, with support from the Department of Insurance and consumer advocates who said public access to modeling data would improve transparency and help evaluate private insurance risk models. The committee also heard SB 525 by Senator Jones, which would require the FAIR Plan to offer coverage options for manufactured and mobile home owners, including replacement cost coverage. Supporters said the bill would help lower-income residents obtain meaningful insurance protection, while no opposition testified. SB 495 by Senator Allen, as amended, would require insurers to provide a larger contents-coverage advance after a total loss during a declared emergency without requiring an immediate itemized inventory, extend proof-of-loss deadlines, and require insurers to provide catastrophe modeling and reinsurance data to the Department of Insurance. Several insurers withdrew opposition after amendments, and the Department of Insurance and United Policyholders supported the measure. SB 590 by Senator Durazo would expand paid family leave to cover care for designated persons or chosen family members, with strong support from AARP, labor, civil rights, caregiving, and health organizations, and testimony from a parent describing the need to care for a non-legal family member during surgery recovery. The committee also took up consent items SB 230 and SB 854. After roll calls, SB 8, SB 429, SB 495, SB 525, and SB 590 all received do-pass votes, with SB 429 sent to the Committee on Emergency Management, SB 495 to Judiciary, and SB 525 and SB 590 to Appropriations. The consent calendar bills were also approved, and the committee adjourned.

Transcript Highlights:

• And they don't sufficiently specify why a policyholder is being dropped.
• I just mean that that's something that is so unactionable by a policyholder.
• This opacity makes compliance impossible for policyholders.
• I'm committed to addressing these gaps while protecting policyholders from increasing costs.
• I'm here on behalf of United Policyholders. We'll keep it short.

Summary: The Assembly Insurance Committee met to consider several insurance-related bills, with SB 1301 by Senator Allen and SB 876 by Senator Padilla receiving the most discussion. SB 1301 would reform residential property insurance non-renewals by requiring clearer written explanations, giving policyholders a chance to fix identified issues, and limiting non-renewals based on unreasonable grounds. The bill was supported by consumer advocates, fire survivors, local officials, and several organizations, while insurers said they had worked extensively with the author and were moving to neutral, though they still raised implementation and proprietary-information concerns. The committee voted to pass SB 1301 as amended to Appropriations, with the roll left open briefly before the bill was declared out. SB 876 would overhaul wildfire and disaster claims handling by requiring updated replacement-cost estimates, stronger extended replacement-cost and building-code coverage options, faster status updates when adjusters change, and other consumer protections. Supporters included the Department of Insurance, United Policyholders, consumer groups, and local representatives, who argued the bill addresses underinsurance, delays, and inconsistent claims handling exposed by recent wildfires. Several industry groups said recent amendments resolved major concerns and moved them to neutral, while the California Fair Plan remained respectfully opposed pending further review. The committee approved SB 876 as amended to Judiciary, again leaving the roll open briefly before finalizing the vote. The committee also took up a consent item, SB 536 by Senator Archuleta, which was approved unanimously to Appropriations. Other bills listed at the start of the hearing, SB 555 and SB 795, were pulled at the request of the authors and were not heard.

Transcript Highlights:

• And they don't sufficiently specify why a policyholder is being dropped.
• I just mean that that's something that is so unactionable by a policyholder.
• This opacity makes compliance impossible for policyholders.
• Hello, Joel Loucher, on behalf of United Policyholders, we strongly support this bill. Thank you.
• I'm here on behalf of United Policyholders. We'll keep it short.

Keywords: 988, house, all

Transcript Highlights:

• Doesn't this bill encourage more policyholders to stay in Citizens? Do you think?
• You will have policyholders that will be placed with—hear me out.
• It's with the policyholders.
• It's with the policyholders. And I'm thinking. ...with the insurance companies.
• So I understand putting time limits on insurance companies, but not policyholders.

Summary: The committee met with a quorum and heard several insurance- and trust-related bills. CS/HB 265, relating to post-judgment execution proceedings involving terrorism, was presented as a measure to help victims enforce long-standing judgments against terrorist assets; it received no opposition in testimony and was reported favorably. CS/HB 1173, concerning the Florida Trust Code, clarified that the Florida Attorney General is the only public official with standing to enforce charitable trusts administered in Florida; members discussed that it was intended to resolve ambiguity identified by a court decision, and it also passed favorably. The committee then took up PCS/HB 643 on residual market insurers. The bill would remove the “diligent effort” requirement for surplus lines placements, revise surplus lines eligibility, and let Citizens policyholders elect arbitration through DOAH or the courts at renewal or issuance. The sponsor argued the changes would reduce red tape and give consumers more options, while an opponent from the Florida Justice Association warned that removing diligent-search protections could push more policyholders into higher-cost, less-regulated surplus lines coverage and that arbitration could favor insurers. Committee members raised concerns about the lack of premium credits for arbitration, the effect on Citizens, and the loss of consumer protections, but the bill was reported favorably. Finally, PCS/HB 1047 on insurance regulation generated extensive debate. The bill would reduce pre-licensure hours for general lines agents from 200 to 60, clarify restrictions on public adjuster conduct, require claims-handling manuals only for active residential property insurers, and define “sufficient evidence” for bad-faith claims with examples and a 10-day objection/response process. Supporters said it would streamline claims handling and clarify timelines; opponents and several members argued it could burden policyholders, especially after disasters, and might make it easier for insurers to delay or deny claims. There was also concern about the reduced training hours for new agents and the lack of detail on what constitutes sufficient evidence or a specific objection. After a divided debate, the bill was reported favorably by a 12-6 vote. The meeting then adjourned.

Transcript Highlights:

• It's an automatic adjustment to policyholders.
• Our TWIA policyholders have their cost for reinsurance premiums?
• Surcharge our policyholders an additional amount.
• It's an automatic adjustment to policyholders.
• We've never essentially gotten the benefit of it as a policyholder.

Keywords: 1185, senate, all

Transcript Highlights:

• or actually reserves that need to go back to the policyholders, and we're.
• We just want to make sure that policyholders are taken care of. See no further questions.
• , and that the policyholders themselves will?
• That should be determined by the mutual company, the policyholders themselves, because.
• You know, that could be determined up to the policyholders.

Bills: SB330, SB2069, SB2095, SB1721, SB1433, SB1316, SB1280, SB1455, SB1456, SB1457, SB1459, SB1461, SB1463, SB1465, SB1466, HJR1088, SB1684, SB378, SB1447, SB1920, SB1443, HR1047, SB1877, SB1884, SB1365, SB2174, SB1525, SB1810, SB1771, SB1805, SB1916, SB1530, SB1847, SB1990, SB2060, SB1992, SB1579, SB1778, SB2132, SB1623, SB2067, SB1589, SB1441, SB1224, SB372, SB1232, SB1264, SB1450, SB2011, SB2030, SB1980, SB1936, SB1477, SB1593, SB1725, SB1670, SB1480, SB1726, SB1633, SB1735, SB1632, SB1277, SB1217, SB1826, SB1824, SB1813, SB1326, SB1937, SB1641

Keywords: elk population, wildlife management, Oklahoma State University, veterinary medicine, ecosystem health, habitat assessment, waterfowl hunting, crane hunting, hunting guide, hunting outfitter, wildlife conservation, commercial hunting, outfitter license, guide license, hunting services, licensed guide, licensed outfitter, game and fish, hunting for compensation, waterfowl guide

Transcript Highlights:

• COMES TO ARBITRATION, WILL LIKELY REQUIRE A TERM OF SETTLEMENT THAT WOULD LIKELY PRECLUDE THE POLICYHOLDER
• THE TIME AND WHEN THE CASES WERE SETTLED LESS THAN 500 PERCENT WENT TO THE POLICYHOLDER.
• I DON'T THINK THERE IS ANYONE IN THIS BUILDING WHO HAS MORE EXPERIENCE REPRESENTING POLICYHOLDERS THAN
• I EXPECT THE BETTER OVER A DECADE REPRESENTATIVE SOMETHING POLICYHOLDERS AND THESE EXACT DISPUTES.
• BEFORE POLICYHOLDERS SIGN AND PAY THEIR HARD EARNED MONEY FOR THAT POLICY WE SHOULD REQUIRE THAT EVER

Transcript Highlights:

• lot has changed since our last hearing, but one thing remains the same: the number of Fair Plan policyholders
• I'll talk more about it, but in a nutshell, what it is: it's a platform for policyholders to move from
• It opens up the market, and then the policyholders have somewhere to go.
• Why is there so much growth among your policyholders now, or new policyholders?
• Why is there so much growth among your policyholders now or new policyholders in areas where your member

Summary: The Assembly Insurance Committee held an oversight hearing on the California Fair Plan, focused on the plan’s rapid growth, its financial stability after the January Southern California wildfires, and its role as the insurer of last resort. Fair Plan officials explained that the plan was created in 1968, is a not-for-profit involuntary association of licensed property insurers, and is intended to be a temporary safety net until policyholders can return to the admitted market. They emphasized that the plan is not a state agency or taxpayer-funded, but is regulated by the Department of Insurance and supported by member-company assessments if claims exceed available funds. Victoria Roach and Armand Feliciano said the Fair Plan has grown sharply since 2018 and especially after market pullbacks by major insurers, reaching about 575,000 policies and roughly $600 billion in exposure by spring 2025. They noted that growth is increasingly occurring in lower wildfire-risk areas, where the plan can sometimes be cheaper than the voluntary market, and said this undermines depopulation back into the private market. They also discussed recent policy expansions, including coverage for farms, higher residential and commercial limits, and pending or proposed changes such as AB 290, SB 525, and AB 226, which would add tools like a line of credit and bond access. A major portion of the hearing addressed the January wildfire losses and the plan’s financial response. Fair Plan officials said they assessed member insurers for $1 billion after determining claims and cash flow would exceed available resources, and that the process was approved quickly and paid smoothly, with more than 80% of the assessment collected within 10 days. They also described the reinsurance tower, the plan’s limited surplus, and the need for actuarially sound rates to reduce future reliance on assessments. On claims handling, they said the plan has received over 5,500 claims from the fires, has paid more than $2.9 billion so far, expects total payments near $4 billion, and has focused on advancing payments quickly for total losses and other urgent needs. Members questioned the plan’s solvency, the growth in non-wildfire areas, claim denials, smoke-loss coverage, and how depopulation works. Roach said most closed claims without payment were duplicates rather than denials, and that smoke claims require direct physical loss under the policy, with coverage determined case by case. Public commenters from the California Building Industry Association and the Independent Insurance Agents and Brokers of California said the Fair Plan’s growth reflects a weak voluntary market, inadequate rates, and insurer fear of future assessments, and urged support for rate increases and AB 226. The hearing concluded with no vote, but with a commitment from Fair Plan officials to follow up on unanswered questions and continue providing more transparency through public data and website disclosures.