2018 Insurance Department Resources Report2018 Insurance Department Resources Report Volume One...
Transcript of 2018 Insurance Department Resources Report2018 Insurance Department Resources Report Volume One...
2018 Insurance Department Resources Report
Volume One
2019
The NAIC is the authoritative source for insurance industry information. Our expert solutions support the efforts of regulators, insurers and researchers by providing detailed and comprehensive insurance information. The NAIC offers a wide range of publications in the following categories:
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© 2019 National Association of Insurance Commissioners. All rights reserved.
ISBN: 978‐1‐64179‐025‐3
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2018 Insurance Department Resources Report
Volume One
Introduction Continued public interest in insurance regulation and
interest by the U.S. Congress has focused attention on the
activities and resources of state insurance departments. In
the past, state insurance departments have experienced
significant changes in available resources and considerable
enhancement of their ability to meet the challenges of
regulating an increasingly complex and competitive
industry.
This report is the 32nd in an annual series published by
the NAIC. It contains key statistics on the resources and
regulatory activities of the members of the NAIC, which
include the 50 states, the District of Columbia, American
Samoa, Guam, Northern Mariana Islands, Puerto Rico, and
the U.S. Virgin Islands. The data presented in this report
were obtained primarily through an extensive survey
completed by each of the departments.
Beginning with the 2010 edition, in order to provide the
NAIC membership with important information as soon as
possible, the report is released in two volumes. The second
volume primarily encompasses the premium data (such as
premium by line of business) not available at the time of
publishing the first volume.
The 2018 IDRR – Volume One is organized into five
key sections: Staffing; Budget and Funding; Examination
and Oversight; Insurance Producers; and Consumer
Services and Antifraud. Valuable statistics provided by
each jurisdiction include the number of departmental staff,
annual budgets, revenues collected, number of insurers and
producers, and the number of consumer complaints filed.
Unless otherwise indicated, the statistics presented are for
calendar year 2018.
Every effort has been made to compile the statistics on
a consistent basis. However, because of differences
between departments, this is not always possible. Where
known, these differences are explained in the Technical
Notes located at the end of the report. The efforts and
cooperation of the insurance commissioners and their
staffs in providing this information are greatly appreciated.
Please send any questions regarding this report to
[email protected]. Links to this report and other
NAIC reports can be found on the NAIC website at: NAIC
Publications.
OverviewOverall, insurance department full-time equivalent
staffing levels decreased 1.01% from the 2017 level.
Twenty-three departments increased staffing, and 18
decreased staff levels. The remaining departments either
stayed the same or did not have sufficient data to
determine the degree of change. The top five departments
based on staffing levels were Texas, California, Florida,
New York, and North Carolina. Insurance department
contractual staff (those hired for specific tasks but not
employees of the insurance departments) decreased by
3.07% from 2017 and was down by 3.40% since 2014.
Budget levels for fiscal year 2020 are expected to
increase by 1.62% from 2019 amounts and to increase by
8.60% since 2016. Total projected fiscal year 2020 budgets
are more than $1.5 billion. California reported the largest
2020 budget, which is $66.1 million greater than the
second-largest 2020 budget (New York). Thirty-six states
reported increased 2020 budget amounts from their 2019
reported budgets.
Revenues collected from the insurance industry
increased 4.88% from 2017 to $25.7 billion in 2018. Total
taxes collected increased by 4.45%.
The number of U.S. domestic insurers increased from
5,954 companies in 2017 to 5,965 companies in 2018. In
years prior to 2008, captives may be included in total
domestic insurer numbers. Captives are reported in the
second volume of the IDRR. The total number of company
examinations completed was 1,783. There were 207
liquidations in progress at year-end, as well as 36
rehabilitations in progress.
Licensed resident producers numbered nearly 2.2
million individuals and 228,393 entities. Non-resident
producers consisted of nearly 6.6 million individuals and
456,903 entities. Meanwhile, 5,598 fines and 1,582
restitutions were levied against insurance producers;
32,767 licenses were suspended; and 2,035 licenses were
revoked.
State insurance departments received 287,641 official
complaints and over 1.6 million inquiries. Forty-one states
had separate criminal fraud investigation units, and 55
jurisdictions had company and producer licensing
information available online.
© 2019 National Association of Insurance Commissioners
Table of Contents Volume One
Staffing Page 1
State Commissioners – 2018 ....................................................................................................................... 2 Total Insurance Department Staff 2014–2018 ............................................................................................ 3 Figure 1: Insurance Department Staff 2010–2018 ...................................................................................... 4 Figure 2: Insurance Department Staff Breakdown – 2018.......................................................................... 4 Insurance Department Staffing – By Position – 2018 ........................................................................... 5–13 Total Contractual/Intergovernmental Staff 2014 – 2018 .......................................................................... 14 Contractual/Intergovernmental Staff – By Position – 2018 ................................................................ 15–17 Insurance Department Salary Range – By Position – 2018 ................................................................ 18–26
Budget and Funding 27
Figure 3: Aggregate Insurance Department Budgets 2010–2019 ............................................................. 28 Figure 4: Annual Budget Growth Rates 2010–2019 ................................................................................. 28 Insurance Department Budgets – Fiscal Years 2016–2019 ...................................................................... 29 States in Descending Order of 2019 Budget ............................................................................................. 30 Funding and Expenses – 2018 .................................................................................................................. 31 Revenues – 2018 ....................................................................................................................................... 32
Examination and Oversight 33–34
Figure 5: Number of Domestic Insurers 2010–2018................................................................................. 35 Figure 6: Number of Domestic Insurers in 2018 ...................................................................................... 35 Number of Regulated Entities – 2018 ....................................................................................................... 36 Number of Domestic Insurers by Type – 2018 ......................................................................................... 37 Number of Licensed Foreign Insurers by Type – 2018 ............................................................................ 38 Financial and Market Conduct Exams Completed – 2018........................................................................ 39 Financial Exams – 2018 ............................................................................................................................ 40 Market Conduct Exams – 2018 ................................................................................................................. 41 Combined Financial/Market Conduct Exams – 2018 ............................................................................... 42 Market Actions – 2018 .............................................................................................................................. 43 Actions Taken Against Companies in 2018 .............................................................................................. 44 Formal Hearings – 2018 ............................................................................................................................ 45 Supervisions, Receiverships and Companies in Run-Off – 2018 ....................................................... 46–50
Insurance Producers 51
Licensed Producers – 2018 .................................................................................................................. 52-54 Actions against Producers – 2018 ........................................................................................................ 55-56
© 2019 National Association of Insurance Commissioners
Table of Contents Volume One
(continued)
Consumer Services and Antifraud 57
Consumer Complaints/Inquiries – 2018 ................................................................................................... 58 Fraud Investigation – 2018........................................................................................................................ 59 Availability of Consumer Information – 2018 .......................................................................................... 60 Consumer Access to Insurance Departments – 2018 .......................................................................... 61–62 Insurance Department Titles – 2018 ......................................................................................................... 63
Technical Notes ................................................................................................................................... 64–76
© 2019 National Association of Insurance Commissioners
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 1
Staffing
State insurance departments are continually changing to
accommodate the varying size and nature of the insurance
industry. This requires a change in the makeup of the
insurance department staff, whose job is to regulate the
insurance industry.
Insurance Commissioner It is the job of the state insurance commissioner
(superintendent or director in some states) to oversee the
regulation of the insurance industry in his/her state. The
majority of insurance commissioners are appointed to their
positions. However, commissioners in 12 of the 56 states
and territories are elected to their positions by a vote of the
general public. These different approaches to selection
cause the length of a commissioner’s term to vary from
state to state, with many serving at the pleasure of the
governor.
The duties of the commissioner also differ between
states. In the majority of states, the insurance department is
a separate agency, allowing the commissioner to
concentrate solely on insurance regulation. In other states,
the commissioner’s responsibilities also include oversight
of other areas. Examples of other offices held by state
insurance commissioners include that of fire marshal, state
auditor and commissioner of securities.
Staff It is the job of each state’s insurance department to
ensure the solvency of insurance companies doing business
in the state, to license insurance producers, to assist
insurance consumers, and to protect both consumers and
companies from insurance fraud.
Ensuring the solvency of insurance companies is the
primary function of state insurance regulators. Solvency
monitoring systems, such as the Insurance Regulatory
Information System (IRIS) and risk-based capital (RBC),
are used to identify and prioritize companies for detailed
review, either through desk audits or financial
examinations. Insurance companies are generally audited
every three to five years, but evidence of potential
impairment can also trigger an audit.
Historically, a large portion of each insurance
department’s staff has been employed for solvency
monitoring and financial examinations.
Other important charges of state insurance departments
are the licensing of insurance producers and the regulation
of rates and policy forms. Each state sets its own licensing
requirements for companies, agents, brokers, etc., and has
the authority to revoke licenses for illegal or unethical
conduct. Each state also sets its own rate and policy form
filing requirements.
The task of assisting insurance consumers takes many
forms. Insurance department staff members answer
consumers’ questions, investigate complaints against
insurance agents and companies, and perform market
conduct examinations to ensure that insurance producers
and companies are dealing with consumers in a fair and
consistent manner.
As many companies contract services to use their
limited resources more efficiently, the state insurance
departments also use contract staff. The states also use the
services of employees from other state agencies. For
instance, some states do not have attorneys on staff;
instead, they use the services of their state’s attorney
general’s office. Insurance departments also use the
services of other state agencies in the areas of liquidations,
receiverships, and examinations, among others.
With the expansion of technology, the state insurance
regulators’ need for employees with technical expertise has
grown. The electronic communication link between on-site
examiners at insurance companies and internal insurance
department staff has greatly improved the efficiency of the
examination process. The ability for insurance department
staff to electronically access NAIC database information is
also a benefit for state regulators.
Staffing data were compiled as of Dec. 31, 2018. In
certain instances, employees of a department may perform
work in more than one of the categories listed. For
example, company examiners might perform both financial
and market conduct examinations in some states. When
such a situation occurs, an attempt is made to match the
amount of time the employee spends doing each function
and report it as such. Therefore, if half of an examiner’s
time is spent doing financial exams and the other half is
spent performing market conduct exams, it is recorded as
0.5 financial examiners and 0.5 market conduct examiners
in the relevant tables.
© 2019 National Association of Insurance Commissioners
2 Staffing
Elected/
State Appointed Other State Offices Held
Alabama Appointed Ex officio member of AL Securities Commission
Alaska Appointed
American Samoa Appointed
Arizona Appointed
Arkansas Appointed
California Elected
Colorado Appointed
Connecticut Appointed
Delaware Elected
Dist. of Columbia Appointed
Florida Appointed
Georgia Elected State Fire Marshal, Industrial Loan Commissioner
Guam Appointed Banking Commissioner
Hawaii Appointed
Idaho Appointed
Illinois Appointed
Indiana Appointed
Iowa Appointed Securities Administrator
Kansas Elected Securities
Kentucky Appointed
Louisiana Elected
Maine Appointed
Maryland Appointed
Massachusetts Appointed
Michigan Appointed Banking, Credit Unions, Consumer Finance, and Consumer Services
Minnesota Appointed
Mississippi Elected State Fire Marshal
Missouri Appointed Financial Institutions and Professional Registration
Montana Elected Member of the State Land Board
Nebraska Appointed Chair, State Claims Board
Nevada Appointed
New Hampshire Appointed
New Jersey Appointed Commissioner of Banking & Real Estate Commission
New Mexico Appointed
New York Appointed Banking
North Carolina Elected State Fire Marshal
North Dakota Elected
N. Mariana Islands Appointed Secretary of the Department of Commerce, Director of Banking
Ohio Appointed
Oklahoma Elected
Oregon Appointed Administrator of the Division of Financial Regulation
Pennsylvania Appointed
Puerto Rico Appointed
Rhode Island Appointed Banking and Securities
South Carolina Appointed
South Dakota Appointed Securities
Tennessee Appointed State Fire Marshal, Securities, Professional Regulations
Texas Appointed
U.S. Virgin Islands Elected
Utah Appointed
Vermont Appointed Banking and Securities
Virginia Appointed
Washington Elected
West Virginia Appointed
Wisconsin Appointed
Wyoming Appointed
Table 1
State Commissioners - 2018
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 3
State
Alabama 168.25 166.25 164.50 156.00 152.50 10.33%
Alaska 44.00 42.00 43.00 40.00 54.00 -18.52%
American Samoa** 1.00 0.00 0.00 0.00 0.00 -
Arizona 78.50 78.25 80.25 84.25 87.75 -10.54%
Arkansas 168.00 160.00 169.00 217.00 218.00 -22.94%
California 1,412.50 1,415.00 1,392.00 1,410.00 1,391.00 1.55%
Colorado 95.00 92.00 92.50 92.50 99.00 -4.04%
Connecticut 148.00 148.00 147.00 148.00 150.00 -1.33%
Delaware 98.00 99.00 98.00 94.00 89.00 10.11%
Dist. of Columbia 85.00 84.50 85.50 83.00 82.00 3.66%
Florida 775.00 854.00 870.00 861.00 841.00 -7.85%
Georgia 191.00 220.00 225.00 221.00 234.00 -18.38%
Guam 7.00 8.00 9.00 8.00 8.00 -12.50%
Hawaii 101.00 101.00 97.00 95.00 95.00 6.32%
Idaho 75.50 76.50 73.50 73.50 73.50 2.72%
Illinois 262.00 221.00 248.00 258.00 249.00 5.22%
Indiana 87.00 87.00 88.00 88.00 92.00 -5.43%
Iowa 119.00 120.00 117.00 105.00 101.00 17.82%
Kansas 108.50 108.50 108.00 118.41 122.91 -11.72%
Kentucky 117.00 122.00 123.00 130.00 126.00 -7.14%
Louisiana 222.00 223.00 228.00 225.00 246.00 -9.76%
Maine 71.00 71.00 72.00 72.00 73.00 -2.74%
Maryland 205.00 204.00 200.00 236.00 241.00 -14.94%
Massachusetts 116.00 122.00 126.00 130.00 135.00 -14.07%
Michigan 179.31 174.08 168.38 167.91 167.36 7.14%
Minnesota 85.34 85.04 100.45 78.75 81.75 4.39%
Mississippi 97.00 95.00 95.00 94.00 96.00 1.04%
Missouri 209.00 224.00 240.00 234.00 229.00 -8.73%
Montana 77.50 77.50 75.20 76.20 77.30 0.26%
Nebraska 100.00 101.00 104.00 105.50 103.50 -3.38%
Nevada 87.00 87.00 87.00 86.00 85.00 2.35%
New Hampshire 82.00 82.00 82.00 82.00 78.00 5.13%
New Jersey 321.00 338.00 342.00 351.00 352.50 -8.94%
New Mexico 89.00 92.00 119.00 127.00 82.00 8.54%
New York 759.00 746.00 746.00 763.00 809.00 -6.18%
North Carolina 414.60 407.60 391.10 395.60 398.60 4.01%
North Dakota 46.00 46.00 49.50 49.50 49.50 -7.07%
N. Mariana Islands 3.00 3.00 3.00 0.00 0.00 -
Ohio 279.50 276.50 276.50 277.50 280.50 -0.36%
Oklahoma 123.00 117.00 117.00 119.00 116.00 6.03%
Oregon 98.94 94.44 94.00 93.50 98.00 0.96%
Pennsylvania 233.00 222.00 199.00 225.00 222.00 4.95%
Puerto Rico 82.00 89.00 98.00 99.00 102.00 -19.61%
Rhode Island 35.00 38.00 37.00 37.00 37.00 -5.41%
South Carolina 86.00 82.00 95.00 85.00 88.00 -2.27%
South Dakota 33.50 33.50 33.00 33.00 33.00 1.52%
Tennessee 122.00 119.00 119.00 127.00 133.00 -8.27%
Texas 1,464.20 1,459.20 1,525.50 1,525.75 1,716.45 -14.70%
U.S. Virgin Islands** 1.00 0.00 0.00 0.00 0.00 -
Utah 96.00 95.00 93.00 93.00 93.00 3.23%
Vermont 65.50 65.50 63.20 64.20 67.45 -2.89%
Virginia 189.00 199.00 192.00 192.00 197.00 -4.06%
Washington 247.00 245.50 243.50 240.00 230.50 7.16%
West Virginia 233.00 288.00 343.00 379.00 385.00 -39.48%
Wisconsin 132.40 132.25 132.25 132.25 132.25 0.11%
Wyoming 26.00 26.00 26.00 26.00 26.00 0.00%
Total 10,852.04 10,963.11 11,145.83 11,304.32 11,527.32 -5.86%
*Excludes contractual employees**For jurisdiction data not availabe at time of publication, a count of one was included in Other Personnel.
That is, the department's member of the NAIC.
2014-201820152017
Percent Change
2018 2016 2014
Table 2
Total Insurance Department Staff 2014-2018*
© 2019 National Association of Insurance Commissioners
4 Staffing
Figure 1
Insurance Department Staff 2010-2018
Figure 2
Insurance Department Staff Breakdown - 2018Executive, 6.1% Administration, 7.2%
Legal, 6.0%
Actuarial, 11.6%
Financial Regulation, 17.3%Market Conduct
Regulation, 4.4%
Antifraud, 13.0%
Consumer Affairs, 12.7%
Licensing, 6.2%
Information Systems/Technical Services, 4.3%
All Other (including Commissioner), 11.2%
2010 2011 2012 2013 2014 2015 2016 2017 2018
Staff by Year 11,601 11,575 11,532 11,529 11,531 11,304 11,209 10,963 10,852
0
2,000
4,000
6,000
8,000
10,000
12,000
14,000
Full‐Time Equivalent Em
ploye
es
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 5
State
Alabama 12.00 1.50 0.50 1.50 5.00 4.00
Alaska 1.00 1.00 2.00 - 0.00 -
American Samoa - - - - - -
Arizona 6.00 0.50 0.50 0.00 2.00 0.00
Arkansas 5.00 1.00 0.00 1.00 11.00 3.00
California 47.00 4.00 4.00 20.00 111.00 59.00
Colorado 3.00 1.00 1.00 1.00 2.00 0.00
Connecticut 10.00 1.00 1.00 0.00 5.00 1.00
Delaware 1.00 2.00 1.00 2.00 2.00 3.00
Dist. of Columbia 5.00 3.00 0.00 2.00 4.00 5.00
Florida 13.00 2.00 3.00 7.00 20.00 8.00
Georgia 2.00 1.00 1.00 2.00 4.00 2.00
Guam 0.00 0.00 0.00 0.00 0.00 0.00
Hawaii 10.00 1.00 0.00 2.00 5.00 1.00
Idaho 4.00 0.50 1.00 2.00 0.00 0.00
Illinois 16.00 1.00 3.00 6.00 11.00 2.00
Indiana 5.00 1.00 0.00 1.00 6.00 2.00
Iowa 3.00 0.00 1.00 1.00 5.00 1.00
Kansas 10.00 0.00 0.50 4.00 5.00 3.50
Kentucky 7.00 0.00 1.00 2.00 6.00 1.00
Louisiana 11.00 3.00 2.00 4.00 9.00 2.00
Maine 1.00 1.00 0.00 1.00 7.00 0.00
Maryland 9.00 4.00 1.00 3.00 9.00 4.00
Massachusetts 4.00 0.00 0.00 1.00 10.00 3.00
Michigan 6.00 0.50 2.00 2.00 6.24 3.60
Minnesota 2.00 1.00 2.00 1.00 3.00 0.50
Mississippi 9.00 1.00 1.00 4.00 3.00 2.00
Missouri 1.00 3.00 1.00 2.00 13.00 2.00
Montana 2.00 1.00 2.00 1.00 8.00 3.00
Nebraska 0.00 1.00 0.00 0.00 5.00 1.00
Nevada 3.00 1.00 1.00 3.00 4.00 7.00
New Hampshire 3.00 2.00 2.00 2.00 4.00 3.00
New Jersey 10.00 8.00 2.00 11.00 6.00 3.00
New Mexico 2.00 0.00 0.00 2.00 8.00 5.00
New York 2.00 2.00 2.00 10.00 28.00 9.00
North Carolina 10.00 1.00 0.00 2.00 3.50 3.00
North Dakota 1.00 1.00 0.00 1.00 4.00 1.00
N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00
Ohio 14.00 3.00 4.00 3.00 10.00 2.00
Oklahoma 12.00 4.00 0.00 2.00 7.00 2.00
Oregon 1.50 0.00 6.00 2.50 1.00 -
Pennsylvania 20.00 3.00 4.00 2.00 10.00 4.00
Puerto Rico 4.00 0.00 2.00 5.00 5.00 0.00
Rhode Island 0.00 0.00 0.00 0.00 1.00 0.00
South Carolina 6.00 1.00 1.00 1.00 3.00 1.00
South Dakota 3.50 0.00 0.00 1.00 4.00 1.00
Tennessee 3.00 2.00 1.00 5.00 8.00 3.00
Texas 13.00 4.00 6.00 11.00 60.05 4.00
U.S. Virgin Islands - - - - - -
Utah 9.00 1.00 0.00 1.00 1.00 0.00
Vermont 2.00 0.00 0.00 2.00 0.00 0.00
Virginia 12.00 0.00 6.00 3.00 6.00 0.00
Washington 10.00 5.00 8.00 11.00 6.00 4.00
West Virginia 2.00 0.00 0.00 1.00 9.00 10.00
Wisconsin 4.75 0.00 4.90 1.00 5.00 1.00
Wyoming 1.00 0.00 0.00 0.00 1.00 1.00
Total 353.75 75.00 81.40 156.00 471.79 180.60
Table 3
Insurance Department Staffing - By Position - 2018Executive Legal
Deputy/Assistant
Commissioners Media Public Policy Support Staff Lawyers Support Staff
© 2019 National Association of Insurance Commissioners
6 Staffing
State
Alabama 2.50 2.00 3.75 1.00 1.50 -
Alaska 2.00 - - 1.00 6.00 -
American Samoa - - - - - -
Arizona 2.00 0.00 2.00 2.00 0.00 0.00
Arkansas 2.00 3.00 0.00 0.00 0.00 41.00
California 27.00 27.00 14.00 10.00 34.00 8.00
Colorado 1.00 0.00 3.00 0.00 0.00 0.00
Connecticut 1.00 1.00 6.00 0.00 0.00 0.00
Delaware 2.00 3.00 1.00 4.00 0.00 3.00
Dist. of Columbia 2.00 3.00 0.00 0.00 5.00 0.00
Florida 1.00 1.00 - - - 2.00
Georgia 2.00 1.00 - 1.00 - -
Guam 0.00 0.00 0.00 0.00 0.00 0.00
Hawaii 0.00 0.00 3.00 0.00 2.00 0.00
Idaho 2.00 0.50 1.00 2.50 0.50 2.50
Illinois 4.00 6.00 9.00 3.00 0.00 0.00
Indiana 0.00 0.00 2.00 1.00 1.00 2.00
Iowa 1.00 1.00 0.00 0.00 2.00 4.00
Kansas 0.50 1.50 0.00 4.50 2.50 0.00
Kentucky 1.00 1.00 0.00 0.00 6.00 1.00
Louisiana 11.00 2.00 0.00 4.00 14.00 1.00
Maine 1.00 0.00 0.00 1.00 0.00 3.00
Maryland 6.00 4.00 0.00 0.00 0.00 1.00
Massachusetts 2.00 0.00 0.00 2.00 4.00 0.00
Michigan 1.04 0.52 1.04 1.04 4.16 1.04
Minnesota 0.40 0.60 0.70 0.00 0.00 0.00
Mississippi 2.00 1.00 1.00 4.00 0.00 3.00
Missouri 4.00 2.00 10.00 0.00 4.00 0.00
Montana 1.00 1.00 0.00 0.00 1.00 4.00
Nebraska 3.00 1.00 0.00 0.00 0.00 4.00
Nevada 1.00 0.00 0.00 0.00 0.00 6.00
New Hampshire 2.00 2.00 4.00 2.00 - 1.00
New Jersey 5.00 8.00 1.00 2.00 14.00 1.00
New Mexico 4.00 0.00 5.00 4.00 1.00 1.00
New York 2.00 16.00 10.00 5.00 9.00 4.00
North Carolina 5.00 5.00 6.00 0.00 10.00 4.00
North Dakota 0.50 0.25 1.25 0.00 0.00 2.00
N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00
Ohio 4.00 3.00 0.00 3.00 0.00 3.00
Oklahoma 3.00 1.00 1.00 2.00 5.00 5.00
Oregon 0.00 0.00 0.00 0.00 0.00 -
Pennsylvania 2.00 0.00 2.00 2.00 4.00 0.00
Puerto Rico 2.00 2.00 0.00 1.00 3.00 4.00
Rhode Island 0.00 0.00 0.00 0.00 0.00 0.00
South Carolina 4.00 1.00 2.00 2.00 2.00 2.00
South Dakota 0.00 0.00 0.00 1.00 2.00 0.00
Tennessee 0.00 0.00 0.00 0.00 0.00 0.00
Texas 6.00 18.00 4.00 4.00 57.50 2.00
U.S. Virgin Islands - - - - - -
Utah 0.00 0.00 0.00 3.00 2.00 0.00
Vermont 0.00 0.00 0.25 0.00 0.00 2.00
Virginia 2.00 0.00 2.00 1.00 0.00 0.00
Washington 7.00 3.00 5.00 0.00 8.00 -
West Virginia 2.00 5.00 2.00 11.00 1.00 2.00
Wisconsin 0.00 0.00 5.00 0.00 0.00 0.00
Wyoming 0.00 1.00 0.00 0.00 1.00 -
Total 135.94 128.37 107.99 85.04 207.16 119.54
AdministrativeResources
Business
Office Revenue
Table 3 (continued)
Insurance Department Staffing - By Position - 2018
Support Staff
Administration
Supervisory
Staff
Human Other
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 7
State
Alabama 0.00 1.00 1.00 3.50 3.00 1.00
Alaska 2.00 1.00 1.00 3.00 5.00 -
American Samoa - - - - - -
Arizona 2.00 0.50 0.00 5.50 1.50 2.00
Arkansas 1.00 0.00 0.00 3.00 5.00 2.00
California 1.00 24.00 14.00 0.00 77.00 9.00
Colorado 3.00 4.00 2.00 8.00 5.00 0.00
Connecticut 3.00 5.00 3.00 5.00 6.00 2.00
Delaware 0.00 0.00 0.00 2.00 2.00 1.00
Dist. of Columbia 3.00 3.00 2.00 4.00 1.00 0.00
Florida 16.00 4.00 7.00 14.00 31.00 5.00
Georgia 2.00 1.00 1.00 1.00 1.00 1.00
Guam 0.00 0.00 0.00 0.50 0.50 0.00
Hawaii 0.00 1.00 1.00 10.00 5.00 2.00
Idaho 1.00 1.00 0.00 1.00 0.00 2.00
Illinois 8.00 7.00 2.00 10.00 6.00 1.00
Indiana 2.00 2.00 1.00 4.00 4.00 1.00
Iowa 3.00 1.00 2.00 1.00 1.00 1.00
Kansas 2.00 1.00 0.00 6.00 9.00 2.00
Kentucky 6.00 0.00 0.00 5.00 5.00 7.00
Louisiana 9.00 2.00 2.00 12.00 18.00 5.00
Maine 1.00 1.00 1.00 6.00 2.00 0.00
Maryland 3.00 1.00 2.00 12.00 4.00 1.00
Massachusetts 2.00 1.00 4.00 2.00 6.00 0.00
Michigan 2.00 0.00 0.00 8.00 8.00 2.00
Minnesota 1.00 3.00 1.00 7.00 3.00 -
Mississippi 3.00 0.00 0.00 3.00 4.00 6.00
Missouri 2.00 3.00 1.00 9.00 7.00 1.00
Montana 2.00 1.50 1.00 3.00 2.00 1.50
Nebraska 3.00 3.00 1.00 2.00 3.00 1.00
Nevada 5.00 1.00 1.00 3.00 3.00 3.00
New Hampshire 3.00 1.00 1.00 4.00 4.00 1.00
New Jersey 3.00 3.00 4.00 10.00 11.00 3.00
New Mexico 4.00 1.00 2.00 4.00 1.00 0.00
New York 7.00 31.00 17.00 37.00 35.00 4.00
North Carolina 7.00 3.00 4.00 11.00 5.00 4.00
North Dakota 1.00 1.00 1.00 3.00 1.00 0.00
N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00
Ohio 7.00 9.00 4.00 14.00 7.00 3.00
Oklahoma 4.00 1.00 0.00 1.00 4.00 1.00
Oregon 0.94 3.00 2.00 7.00 3.00 4.50
Pennsylvania 2.00 9.00 5.00 5.00 2.00 0.00
Puerto Rico 2.00 1.00 2.00 0.00 2.00 2.00
Rhode Island 0.50 0.00 0.00 1.00 1.00 1.00
South Carolina 2.00 2.00 2.00 2.00 4.00 0.50
South Dakota 0.00 1.00 0.00 2.00 1.50 0.00
Tennessee 3.00 0.00 0.00 3.00 5.00 3.00
Texas 3.00 18.00 10.75 42.50 28.00 5.00
U.S. Virgin Islands - - - - - -
Utah 2.00 2.00 0.00 8.00 2.00 2.00
Vermont 3.00 0.00 0.00 4.00 4.00 0.00
Virginia 7.00 1.00 0.00 13.00 16.00 1.00
Washington 4.00 5.00 2.00 15.00 6.00 3.00
West Virginia 3.00 0.00 1.00 5.00 4.00 1.00
Wisconsin 1.00 0.00 0.00 2.00 2.00 1.00
Wyoming 1.00 0.00 0.00 2.00 2.00 1.00
Total 158.44 165.00 108.75 349.00 378.50 100.50
Table 3 (continued)
Insurance Department Staffing - By Position - 2018Actuarial
Supervisory Rate/Form
Support Staff
Rate/Form
Staff Actuaries - L/H Actuaries - P/C Analysts - L/H Analysts - P/C
© 2019 National Association of Insurance Commissioners
8 Staffing
State
Alabama 2.70 12.00 6.45 6.00 0.00 0.55 3.00
Alaska 1.00 4.00 0.00 0.00 0.00 0.00 1.00
American Samoa - - - - - - -
Arizona 5.00 0.00 6.00 1.00 2.00 1.00 3.00
Arkansas 5.00 12.00 7.00 0.00 0.00 0.00 5.00
California 25.00 7.00 72.00 0.00 0.00 0.00 9.00
Colorado 2.00 9.00 7.00 0.00 0.00 0.00 1.00
Connecticut 14.00 19.00 16.00 1.00 0.00 2.00 3.00
Delaware 8.00 0.00 10.00 0.00 0.00 5.00 4.00
Dist. of Columbia 2.00 2.00 3.00 0.00 0.00 6.00 0.00
Florida 28.00 17.00 60.00 1.00 0.00 0.00 6.00
Georgia 1.00 1.00 5.00 0.00 0.00 3.00 1.00
Guam 1.00 1.00 1.00 0.00 0.00 0.00 0.00
Hawaii 2.00 1.00 10.00 0.00 0.00 14.00 3.00
Idaho 2.00 2.00 2.00 0.00 0.00 0.00 2.00
Illinois 11.00 43.00 16.00 0.00 0.00 0.00 5.00
Indiana 4.00 0.00 7.00 0.00 0.00 0.00 1.00
Iowa 3.00 17.00 21.00 0.00 0.00 0.00 1.00
Kansas 2.00 8.00 9.00 0.00 0.00 1.00 0.00
Kentucky 2.00 0.00 0.00 0.00 0.00 1.00 2.00
Louisiana 6.00 6.00 15.00 0.00 0.00 0.00 1.00
Maine 8.00 6.00 2.00 0.00 0.00 2.00 0.00
Maryland 9.00 8.00 5.00 0.00 0.00 0.00 1.00
Massachusetts 10.00 6.00 7.00 0.00 0.00 0.00 1.00
Michigan 18.00 13.00 14.00 1.00 0.00 2.00 4.00
Minnesota 2.00 1.00 7.00 0.00 0.00 0.00 2.00
Mississippi 1.50 0.00 8.00 0.00 0.00 0.00 1.00
Missouri 5.00 40.00 12.00 2.00 0.00 1.00 2.00
Montana 1.00 3.00 0.00 0.00 0.00 5.00 2.50
Nebraska 11.00 10.50 10.00 0.00 0.00 3.00 2.00
Nevada 3.00 4.00 4.00 0.00 0.00 0.00 4.00
New Hampshire 1.00 4.00 6.00 - - - -
New Jersey 6.00 6.00 25.00 1.00 0.00 1.00 8.00
New Mexico 2.00 2.00 0.00 0.00 0.00 0.00 1.00
New York 17.00 99.00 123.00 0.00 0.00 0.00 26.00
North Carolina 15.00 15.60 13.00 2.00 0.00 9.00 6.00
North Dakota 1.00 1.00 3.00 0.00 0.00 0.00 0.00
N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Ohio 18.00 14.00 17.00 1.00 0.00 3.00 2.00
Oklahoma 2.00 0.00 13.00 0.00 0.00 1.00 1.00
Oregon 1.00 6.00 7.00 0.00 0.00 1.00 3.00
Pennsylvania 11.00 23.00 19.00 0.00 0.00 0.00 3.00
Puerto Rico 4.00 10.00 6.00 0.00 0.00 0.00 3.00
Rhode Island 1.50 6.00 6.00 0.00 0.00 0.00 0.50
South Carolina 4.00 5.00 3.00 0.00 0.00 6.00 1.50
South Dakota 1.00 0.00 3.00 0.00 0.00 0.00 0.00
Tennessee 3.00 15.00 17.00 1.00 0.00 6.00 10.00
Texas 4.00 51.00 41.65 11.50 0.00 0.00 5.00
U.S. Virgin Islands - - - - - - -
Utah 3.00 7.00 5.00 0.00 0.00 7.00 1.00
Vermont 3.00 4.00 1.00 0.00 0.00 28.00 0.00
Virginia 7.00 9.00 10.00 0.00 0.00 0.00 2.00
Washington 8.00 15.00 6.00 0.00 0.00 0.00 2.00
West Virginia 2.00 5.00 5.00 0.00 0.00 0.00 1.00
Wisconsin 7.00 22.00 22.00 0.00 0.00 0.00 3.00
Wyoming 1.00 3.00 1.00 0.00 0.00 0.00 0.00
Total 317.70 575.10 695.10 28.50 2.00 108.55 149.50
Table 3 (continued)
Insurance Department Staffing - By Position - 2018
Supervisory Financial Financial Receivership Guaranty Captive/Spec
Financial Regulation
Fund Insurance Support StaffStaff Examiners Analysts Personnel
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 9
State
Alabama 0.00 2.00 2.00 0.55 -
Alaska - - - - -
American Samoa - - - - -
Arizona 1.00 0.00 2.00 0.00 0.00
Arkansas 0.00 0.00 0.00 0.00 0.00
California 5.00 30.50 1.00 0.00 3.00
Colorado 1.00 4.00 1.00 0.00 0.00
Connecticut 2.00 7.00 1.00 0.00 1.00
Delaware 1.00 2.00 0.00 0.00 1.00
Dist. of Columbia 0.50 0.00 1.00 0.00 0.00
Florida 5.00 0.00 10.00 0.00 2.00
Georgia 1.00 2.00 0.00 0.00 -
Guam 0.00 1.00 0.00 0.00 0.00
Hawaii 0.00 2.00 1.00 0.00 0.00
Idaho 0.00 0.00 2.00 0.00 0.00
Illinois 1.00 13.00 3.00 0.00 1.00
Indiana 0.00 1.00 0.00 0.00 0.00
Iowa 0.00 0.00 1.00 0.00 0.00
Kansas 1.00 1.00 1.00 0.00 0.00
Kentucky 1.00 0.00 5.00 0.00 1.00
Louisiana 1.00 0.00 3.00 0.00 0.00
Maine 1.00 1.00 0.00 0.00 0.00
Maryland 6.00 7.00 2.00 0.00 1.00
Massachusetts 1.00 0.00 1.00 2.00 0.00
Michigan 3.00 6.00 7.00 3.00 0.00
Minnesota 1.00 1.00 0.00 0.00 0.00
Mississippi 0.50 0.00 0.00 0.00 0.00
Missouri 4.00 25.00 0.00 0.00 2.00
Montana 0.50 1.00 1.00 0.00 0.00
Nebraska 1.00 4.00 1.00 0.00 0.00
Nevada 1.00 1.00 0.00 0.00 1.00
New Hampshire 1.00 5.00 4.00 - -
New Jersey 1.00 3.00 7.00 0.00 0.00
New Mexico 1.00 0.00 0.00 2.00 0.00
New York 3.00 35.00 23.00 0.00 13.00
North Carolina 3.00 10.00 5.00 0.00 1.00
North Dakota 0.00 0.00 0.00 0.00 0.00
N. Mariana Islands 0.00 0.00 0.00 0.00 0.00
Ohio 4.00 5.00 4.00 0.00 0.00
Oklahoma 1.00 0.00 2.00 0.00 0.00
Oregon 0.50 3.00 3.00 0.00 1.50
Pennsylvania 2.00 10.00 3.00 0.00 0.00
Puerto Rico 1.00 1.00 2.00 0.00 1.00
Rhode Island 0.50 3.00 0.00 0.00 0.50
South Carolina 0.00 0.00 1.00 0.00 0.00
South Dakota 0.00 1.00 0.00 0.00 1.00
Tennessee 0.00 1.00 0.00 0.00 0.00
Texas 1.00 7.00 0.00 15.50 1.00
U.S. Virgin Islands - - - - -
Utah 0.00 7.00 1.00 0.00 1.00
Vermont 1.00 2.00 0.00 0.00 1.00
Virginia 5.00 0.00 17.00 0.00 1.00
Washington 3.00 8.00 3.00 0.00 1.00
West Virginia 1.00 4.00 1.00 0.00 1.00
Wisconsin 3.00 4.00 1.00 1.00 -
Wyoming 1.00 0.00 0.00 0.00 0.00
Total 72.50 220.50 123.00 24.05 37.00
Table 3 (continued)
Insurance Department Staffing - By Position - 2018
Supervisory Market Conduct Market Conduct Managed Care
Support Staff
Market Conduct Regulation
Staff Examiners Analysts Org. Oversight
© 2019 National Association of Insurance Commissioners
10 Staffing
State
Alabama 0.00 5.00 2.00 0.00 2.00
Alaska 1.00 3.00 - - -
American Samoa - - - - -
Arizona 1.00 6.00 0.00 2.00 1.00
Arkansas 1.00 6.00 0.00 0.00 2.00
California 81.00 186.00 70.00 0.00 99.00
Colorado 0.75 0.00 7.00 0.00 1.00
Connecticut 1.00 0.00 0.00 5.00 0.00
Delaware 3.00 0.00 7.00 0.00 2.00
Dist. of Columbia 2.00 0.00 6.00 0.00 0.00
Florida 60.00 195.00 0.00 74.00 0.00
Georgia 1.00 9.00 - - 1.00
Guam 0.00 0.00 0.00 0.00 0.00
Hawaii 2.00 5.00 0.00 0.00 1.00
Idaho 2.00 6.00 1.00 0.00 0.00
Illinois 4.00 0.00 5.00 8.00 2.00
Indiana 3.00 1.00 0.00 6.00 1.00
Iowa 1.00 3.00 0.00 0.00 1.00
Kansas 0.50 2.00 0.00 0.00 0.50
Kentucky 4.00 9.00 0.00 0.00 2.00
Louisiana 3.00 0.00 4.00 5.00 2.00
Maine 0.00 0.00 0.00 0.00 0.00
Maryland 4.00 4.00 1.00 10.00 4.00
Massachusetts 2.00 0.00 6.00 2.00 1.00
Michigan 1.00 0.00 2.00 0.00 2.00
Minnesota 6.00 13.00 9.00 0.00 0.50
Mississippi 1.00 0.00 3.00 0.00 2.00
Missouri 1.00 0.00 10.00 0.00 1.00
Montana 0.00 4.00 0.00 0.00 0.00
Nebraska 1.00 3.00 0.00 0.00 1.00
Nevada 1.00 0.00 4.00 0.00 0.00
New Hampshire 2.00 3.00 0.00 2.00 1.00
New Jersey 16.00 0.00 53.00 7.00 8.00
New Mexico 3.00 4.00 0.00 2.00 1.00
New York 2.00 41.00 5.00 0.00 3.00
North Carolina 2.00 33.00 0.00 0.00 1.00
North Dakota 0.00 0.00 2.00 0.00 0.00
N. Mariana Islands 0.00 0.00 0.00 0.00 0.00
Ohio 4.00 5.50 9.50 0.00 2.00
Oklahoma 1.00 5.00 0.00 0.00 1.00
Oregon 0.50 0.00 3.00 1.50 0.50
Pennsylvania 3.00 0.00 7.00 0.00 1.00
Puerto Rico 0.00 0.00 0.00 0.00 0.00
Rhode Island 0.00 0.00 0.00 0.00 0.00
South Carolina 1.00 0.00 0.00 2.00 0.00
South Dakota 0.00 0.00 0.00 2.00 0.00
Tennessee 0.00 0.00 0.00 0.00 0.00
Texas 6.00 28.00 6.75 5.00 8.00
U.S. Virgin Islands - - - - -
Utah 3.00 9.00 0.00 0.00 3.00
Vermont 0.00 0.00 0.00 0.00 0.00
Virginia 4.00 0.00 0.00 16.00 0.00
Washington 4.00 4.00 7.00 0.00 2.00
West Virginia 8.00 15.00 7.00 0.00 12.00
Wisconsin 0.00 0.00 0.00 0.00 0.00
Wyoming 0.00 0.00 0.00 0.00 0.00
Total 247.75 607.50 237.25 149.50 172.50
Table 3 (continued)
Insurance Department Staffing - By Position - 2018Antifraud/Enforcement
Supervisory Criminal Fraud Civil Fraud Enforcement
Personnel Support StaffStaff Investigators Investigators
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 11
State
Alabama 1.00 8.00 0.00 3.00 0.00 0.00 0.25
Alaska 1.00 2.00 - - - - -
American Samoa - - - - - - -
Arizona 2.00 0.00 0.00 7.00 0.00 1.00 1.00
Arkansas 2.00 11.00 0.00 0.00 2.00 0.00 6.00
California 15.00 73.00 0.00 28.00 2.00 0.00 10.00
Colorado 3.00 12.00 0.00 0.00 5.00 0.00 3.00
Connecticut 2.00 9.00 0.00 0.00 0.00 0.00 3.00
Delaware 6.00 8.00 0.00 0.00 2.00 0.00 2.00
Dist. of Columbia 1.50 6.00 1.00 0.00 0.00 0.00 0.00
Florida 7.00 50.00 5.00 40.00 0.00 0.00 8.00
Georgia 2.00 13.00 0.00 - 0.00 0.00 2.00
Guam 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Hawaii 0.00 5.00 0.00 2.00 0.00 0.00 1.00
Idaho 2.00 6.00 0.00 0.00 9.00 0.00 1.00
Illinois 4.00 19.00 8.00 3.00 0.00 0.00 6.00
Indiana 2.00 0.00 0.00 5.00 2.00 0.00 1.00
Iowa 1.00 6.00 1.00 0.00 8.00 1.00 1.00
Kansas 2.00 11.00 0.00 0.00 0.00 0.00 4.00
Kentucky 4.00 9.00 1.00 0.00 0.00 0.00 3.00
Louisiana 4.00 14.00 4.00 0.00 3.00 0.00 2.00
Maine 3.00 7.00 1.00 2.00 0.00 1.00 0.00
Maryland 9.00 24.00 0.00 4.00 0.00 4.00 11.00
Massachusetts 2.00 4.00 0.00 0.00 0.00 0.00 1.00
Michigan 3.00 17.00 0.00 5.10 0.00 4.00 1.03
Minnesota 1.00 7.00 0.00 0.00 0.00 0.00 0.00
Mississippi 5.00 6.00 0.00 0.00 0.00 0.00 3.00
Missouri 2.00 19.00 0.00 0.00 0.00 0.00 2.00
Montana 1.00 9.00 0.00 0.00 0.00 0.00 0.00
Nebraska 2.00 6.00 0.00 0.00 3.00 0.00 2.00
Nevada 1.00 6.00 0.00 0.00 0.00 0.00 1.00
New Hampshire 1.00 3.00 - 2.00 - - 1.00
New Jersey 7.00 19.00 0.00 5.00 0.00 2.00 4.00
New Mexico 1.00 0.00 2.00 0.00 0.00 0.00 0.00
New York 3.00 63.00 5.00 0.00 0.00 1.00 10.00
North Carolina 10.00 20.00 0.00 0.00 19.00 3.00 5.00
North Dakota 1.00 2.00 0.00 1.00 2.00 0.00 0.00
N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Ohio 8.00 21.00 0.00 0.00 15.00 0.00 3.00
Oklahoma 1.00 5.00 4.00 0.00 4.00 0.00 2.00
Oregon 1.00 10.50 0.00 4.00 0.00 0.00 2.00
Pennsylvania 3.00 12.00 0.00 0.00 0.00 0.00 4.00
Puerto Rico 2.00 4.00 0.00 2.00 0.00 0.00 2.00
Rhode Island 0.50 3.00 0.00 0.00 0.00 0.00 1.00
South Carolina 2.00 0.00 5.00 0.00 0.00 0.00 2.00
South Dakota 0.00 3.50 0.00 0.00 0.00 0.00 1.00
Tennessee 2.00 10.00 0.00 0.00 0.00 0.00 3.00
Texas 20.00 51.25 0.00 154.00 0.00 0.00 3.00
U.S. Virgin Islands - - - - - - -
Utah 0.00 5.00 0.00 0.00 0.00 0.00 0.00
Vermont 1.00 3.00 0.00 0.00 0.00 0.00 0.00
Virginia 5.00 12.00 2.00 0.00 0.00 1.00 6.00
Washington 8.00 0.00 15.00 0.00 9.00 - 9.00
West Virginia 5.00 1.00 1.00 9.00 0.00 2.00 3.00
Wisconsin 1.00 6.50 6.50 0.00 0.00 0.00 -
Wyoming 0.00 2.00 0.00 0.00 0.00 0.00 1.00
Total 173.00 623.75 61.50 276.10 85.00 20.00 137.28
Table 3 (continued)
Insurance Department Staffing - By Position - 2018
Supervisory Complaint Consumer Assistance Senior Health Healthcare
Consumer Affairs
Ins. Program Appeals Support StaffStaff Investigators Advocates Personnel
© 2019 National Association of Insurance Commissioners
12 Staffing
State
Alabama 2.00 7.00 0.75 4.00 5.00
Alaska 2.00 3.00 - - -
American Samoa - - - - -
Arizona 2.00 3.00 0.00 1.00 1.00
Arkansas 2.00 6.00 0.00 4.00 0.00
California 9.00 48.00 7.00 0.00 5.00
Colorado 0.25 1.00 1.00 0.00 0.00
Connecticut 1.00 5.00 0.00 0.00 0.00
Delaware 1.00 4.00 0.00 0.00 0.00
Dist. of Columbia 1.00 3.00 1.00 0.00 0.00
Florida 4.00 36.00 0.00 0.00 0.00
Georgia 1.00 1.00 3.00 - 1.00
Guam 0.00 0.50 0.50 0.00 0.00
Hawaii 0.00 7.00 0.00 0.00 1.00
Idaho 1.00 5.00 0.00 0.00 0.00
Illinois 6.00 3.00 3.00 2.00 0.00
Indiana 1.00 6.00 5.00 1.00 0.00
Iowa 1.00 5.00 0.00 0.00 0.00
Kansas 1.00 4.00 1.00 2.00 0.00
Kentucky 3.00 1.00 0.00 2.00 7.00
Louisiana 4.00 9.00 5.00 1.00 9.00
Maine 1.00 4.00 2.00 0.00 0.00
Maryland 4.00 4.00 3.00 0.00 0.00
Massachusetts 2.00 4.00 0.00 0.00 0.00
Michigan 4.00 16.00 1.00 0.00 2.00
Minnesota 1.00 2.00 2.00 1.80 0.84
Mississippi 2.00 0.00 0.00 0.00 7.00
Missouri 1.00 7.00 4.00 0.00 0.00
Montana 0.50 5.00 0.00 0.00 0.00
Nebraska 1.00 3.50 0.00 0.00 0.00
Nevada 3.00 5.00 0.00 0.00 0.00
New Hampshire 1.00 2.00 1.00 - -
New Jersey 3.00 3.00 0.00 8.00 0.00
New Mexico 2.00 4.00 3.00 0.00 3.00
New York 3.00 9.00 1.00 0.00 6.00
North Carolina 6.00 10.00 0.00 1.00 1.00
North Dakota 1.00 3.00 0.00 0.00 0.00
N. Mariana Islands 1.00 0.00 0.00 1.00 0.00
Ohio 4.00 3.00 2.00 6.00 0.50
Oklahoma 6.00 6.00 0.00 7.00 2.00
Oregon 0.50 7.00 0.00 1.00 -
Pennsylvania 3.00 4.00 3.00 0.00 7.00
Puerto Rico 0.00 3.00 0.00 0.00 0.00
Rhode Island 0.00 3.00 2.00 0.00 0.00
South Carolina 2.00 6.00 0.00 1.00 0.00
South Dakota 0.00 2.00 1.00 0.00 0.00
Tennessee 3.00 11.00 2.00 0.00 1.00
Texas 5.00 48.00 17.00 0.00 1.00
U.S. Virgin Islands - - - - -
Utah 0.00 5.00 2.00 0.00 0.00
Vermont 0.00 3.00 0.00 0.00 0.00
Virginia 2.00 7.00 6.00 0.00 0.00
Washington 5.00 4.00 3.00 4.00 1.00
West Virginia 1.00 4.00 0.00 0.00 0.00
Wisconsin 1.25 5.00 3.00 0.00 0.00
Wyoming 1.00 2.00 0.00 0.00 0.00
Total 112.50 362.00 85.25 47.80 61.34
Table 3 (continued)
Insurance Department Staffing - By Position - 2018
Supervisory Producer Company Other
Licensing Licensing Support StaffStaff Licensing
Licensing
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 13
State
Alabama 3.00 4.00 3.25 0.75 0.25 37.00 168.25
Alaska - - - - - 1.00 44.00
American Samoa* - - - - - 1.00 1.00
Arizona 1.00 1.00 0.00 0.00 0.00 1.00 78.50
Arkansas 1.00 5.00 4.00 1.00 0.00 8.00 168.00
California 19.00 41.00 32.00 7.00 0.00 38.00 1,412.50
Colorado 0.00 1.00 0.00 0.00 0.00 1.00 95.00
Connecticut 0.00 3.00 2.00 0.00 0.00 1.00 148.00
Delaware 1.00 1.00 1.00 0.00 0.00 - 98.00
Dist. of Columbia 1.00 2.00 0.00 1.00 0.00 3.00 85.00
Florida 6.00 0.00 11.00 10.00 1.00 5.00 775.00
Georgia 2.00 2.00 2.00 1.00 0.00 113.00 191.00
Guam 0.00 0.00 0.00 0.00 0.00 1.00 7.00
Hawaii 0.00 0.00 0.00 0.00 0.00 1.00 101.00
Idaho 1.00 1.00 2.00 1.00 0.00 6.00 75.50
Illinois 0.00 0.00 0.00 0.00 0.00 1.00 262.00
Indiana 0.00 0.00 0.00 0.00 0.00 5.00 87.00
Iowa 0.00 0.00 1.00 0.00 0.00 18.00 119.00
Kansas 0.00 1.00 1.00 0.00 0.00 3.50 108.50
Kentucky 1.00 0.00 2.00 0.00 3.00 5.00 117.00
Louisiana 2.00 3.00 2.00 0.00 1.00 2.00 222.00
Maine 1.00 0.00 0.00 2.00 0.00 1.00 71.00
Maryland 4.00 3.00 5.00 3.00 0.00 1.00 205.00
Massachusetts 0.00 0.00 0.00 0.00 0.00 23.00 116.00
Michigan 0.00 0.00 0.00 0.00 0.00 1.00 179.31
Minnesota 0.00 0.00 0.00 0.00 0.00 1.00 85.34
Mississippi 3.00 2.00 4.00 0.00 - 1.00 97.00
Missouri 0.00 0.00 0.00 0.00 0.00 4.00 209.00
Montana 1.00 0.00 2.00 0.00 1.00 5.00 77.50
Nebraska 0.00 0.00 2.00 0.00 0.00 5.00 100.00
Nevada 0.00 1.00 0.00 0.00 0.00 5.00 87.00
New Hampshire - - - - - 1.00 82.00
New Jersey 2.00 5.00 8.00 0.00 0.00 8.00 321.00
New Mexico 1.00 3.00 0.00 0.00 0.00 8.00 89.00
New York 3.00 6.00 17.00 8.00 2.00 2.00 759.00
North Carolina 3.00 6.00 8.00 0.00 1.00 122.50 414.60
North Dakota 0.00 1.00 0.00 0.00 0.00 9.00 46.00
N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 1.00 3.00
Ohio 6.00 1.00 10.00 2.00 4.00 12.00 279.50
Oklahoma 0.00 0.00 1.00 1.00 1.00 1.00 123.00
Oregon 0.00 0.50 0.00 1.50 0.00 8.00 98.94
Pennsylvania 0.00 0.00 0.00 0.00 0.00 39.00 233.00
Puerto Rico 1.00 0.00 0.00 2.00 0.00 1.00 82.00
Rhode Island 0.00 0.00 0.00 0.00 0.00 3.00 35.00
South Carolina 2.00 2.00 1.00 0.00 0.00 1.00 86.00
South Dakota 0.00 0.00 0.00 0.00 0.00 1.00 33.50
Tennessee 0.00 0.00 0.00 0.00 0.00 1.00 122.00
Texas 5.00 24.00 18.00 31.00 1.00 597.75 1,464.20
U.S. Virgin Islands* - - - - - 1.00 1.00
Utah 0.00 0.00 0.00 0.00 0.00 4.00 96.00
Vermont 0.00 0.25 0.00 0.00 0.00 1.00 65.50
Virginia 2.00 4.00 0.00 0.00 0.00 1.00 189.00
Washington 5.00 6.00 9.00 0.00 0.00 4.00 247.00
West Virginia 4.00 0.00 5.00 1.00 1.00 75.00 233.00
Wisconsin 1.00 3.00 6.50 1.00 0.00 7.00 132.40
Wyoming 0.00 0.00 0.00 0.00 0.00 3.00 26.00
Total 82.00 132.75 159.75 74.25 16.25 1,210.75 10,852.04
*For jurisdiction data not availabe at time of publication, a count of one was included in Other Personnel.
That is, the department's member of the NAIC.
Table 3 (continued)
Insurance Department Staffing - By Position - 2018Information Systems/Technical Services Other Staff Total
Support Staff
Data
Staff Personnel Prog./Analysts
Department
EmployeesPersonnel
Supervisory Systems/LAN Computer
All Other
© 2019 National Association of Insurance Commissioners
14 Staffing
State
Alabama 1.00 1.00 1.00 1.00 1.00 0.00%
Alaska 2.00 10.00 10.00 11.00 8.00 -75.00%
American Samoa 0.00 0.00 0.00 0.00 0.00 0.00%
Arizona 14.98 14.64 14.61 18.41 18.18 -17.60%
Arkansas 0.00 0.00 0.00 0.00 0.00 0.00%
California 23.50 23.50 24.00 24.00 29.00 -18.97%
Colorado 7.00 19.00 12.00 11.00 14.00 -50.00%
Connecticut 1.00 1.00 1.00 1.00 1.00 0.00%
Delaware 150.00 143.00 144.00 144.00 136.00 10.29%
Dist. of Columbia 8.00 8.00 8.00 8.00 0.00 -
Florida 0.00 0.00 0.00 0.00 0.00 0.00%
Georgia 0.00 0.00 0.00 0.00 0.00 0.00%
Guam 0.00 0.00 0.00 0.00 0.00 0.00%
Hawaii 0.00 0.00 0.00 0.00 0.00 0.00%
Idaho 11.10 10.90 10.90 10.90 12.00 -7.50%
Illinois 6.00 5.00 9.00 9.00 0.00 -
Indiana 35.00 35.00 35.00 35.00 31.00 12.90%
Iowa 1.50 1.50 1.50 1.50 1.50 0.00%
Kansas 0.00 0.00 0.00 0.00 2.00 -100.00%
Kentucky 21.00 31.00 30.70 34.60 29.60 -29.05%
Louisiana 68.00 68.00 68.00 91.00 98.00 -30.61%
Maine 2.95 2.95 2.75 3.00 3.00 -1.67%
Maryland 15.00 23.00 14.00 19.00 16.00 -6.25%
Massachusetts 0.90 1.30 5.40 4.40 4.40 -79.55%
Michigan 31.85 31.85 31.85 31.85 31.85 0.00%
Minnesota 27.40 31.65 32.65 24.65 24.15 13.46%
Mississippi 8.00 8.00 8.00 8.00 8.00 0.00%
Missouri 0.00 0.00 0.00 0.00 0.00 0.00%
Montana 0.00 0.00 0.00 0.00 0.00 0.00%
Nebraska 0.00 0.00 0.00 0.00 0.00 0.00%
Nevada 4.00 4.00 2.00 4.00 6.00 -33.33%
New Hampshire 1.88 2.50 2.50 4.50 0.00 -
New Jersey 49.00 19.00 19.00 19.00 18.00 172.22%
New Mexico 44.00 45.00 11.00 14.00 6.00 633.33%
New York 101.86 116.08 132.00 148.00 142.00 -28.27%
North Carolina 0.00 0.00 8.00 8.00 11.00 -100.00%
North Dakota 0.00 0.00 0.00 0.00 0.00 0.00%
N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00%
Ohio 3.00 3.00 15.00 7.00 14.00 -78.57%
Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00%
Oregon 0.50 0.50 0.50 0.50 0.50 0.00%
Pennsylvania 30.00 30.00 16.00 16.00 16.00 87.50%
Puerto Rico 0.00 0.00 4.00 1.00 3.00 -100.00%
Rhode Island 10.66 10.49 10.00 14.44 14.00 -23.86%
South Carolina 5.00 8.00 10.00 12.50 12.00 -58.33%
South Dakota 6.25 5.25 5.50 5.50 6.50 -3.85%
Tennessee 14.00 13.00 13.00 13.00 13.00 7.69%
Texas 12.00 12.00 14.00 12.00 12.00 0.00%
U.S. Virgin Islands 0.00 0.00 0.00 0.00 0.00 0.00%
Utah 17.00 19.00 19.00 19.00 20.00 -15.00%
Vermont 0.00 0.00 0.00 0.00 0.00 0.00%
Virginia 1.00 1.00 1.00 1.00 1.00 0.00%
Washington 3.35 3.30 4.60 4.60 4.60 -27.17%
West Virginia 7.00 7.00 7.00 7.00 7.00 0.00%
Wisconsin 0.36 0.57 0.45 0.40 0.38 -5.26%
Wyoming 10.00 11.00 10.00 7.00 8.00 25.00%
Total 757.04 780.98 768.91 809.75 783.66 -3.40%
Table 4
Total Contractual/Intergovernmental Staff 2014-2018
2014-20182017 2016 2015 2014
Percent
2018
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 15
State
Alabama 0.00 1.00 0.00 0.00 0.00 0.00
Alaska 0.00 2.00 0.00 0.00 0.00 0.00
American Samoa - - - - - -
Arizona 0.55 1.59 0.51 0.26 0.38 0.00
Arkansas 0.00 0.00 0.00 0.00 0.00 0.00
California 0.00 0.00 0.00 0.00 0.00 0.00
Colorado 0.00 6.00 0.00 0.00 0.00 0.00
Connecticut 0.00 0.00 0.00 0.00 0.00 0.00
Delaware 2.00 10.00 15.00 8.00 0.00 0.00
Dist. of Columbia 8.00 0.00 0.00 0.00 0.00 0.00
Florida - - - - - -
Georgia - - - - - -
Guam 0.00 0.00 0.00 0.00 0.00 0.00
Hawaii - - - - - -
Idaho 0.00 5.00 0.20 0.20 0.00 0.00
Illinois 3.00 - - - - -
Indiana 0.00 10.00 0.00 0.00 0.00 0.00
Iowa 1.50 0.00 0.00 0.00 0.00 0.00
Kansas 0.00 0.00 0.00 0.00 0.00 0.00
Kentucky 1.00 0.00 2.00 1.00 0.00 0.00
Louisiana 0.00 11.00 2.00 2.00 0.00 0.00
Maine - 2.95 - - - -
Maryland 2.00 0.00 0.00 0.00 0.00 0.00
Massachusetts 0.20 0.00 0.00 0.20 0.00 0.00
Michigan 1.00 6.00 3.50 2.00 0.25 0.25
Minnesota 0.00 0.00 3.00 0.50 2.00 0.00
Mississippi 0.00 5.00 0.00 1.00 0.00 2.00
Missouri 0.00 0.00 0.00 0.00 0.00 0.00
Montana - - - - - -
Nebraska 0.00 0.00 0.00 0.00 0.00 0.00
Nevada - 2.00 - - 2.00 -
New Hampshire - 0.50 - - - -
New Jersey 0.00 13.00 0.00 0.00 0.00 0.00
New Mexico 34.00 9.00 0.00 0.00 0.00 0.00
New York - - 4.60 0.20 - -
North Carolina - - - - - -
North Dakota - - - - - -
N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00
Ohio 0.00 0.00 0.00 0.00 0.00 0.00
Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00
Oregon 0.00 0.50 0.00 0.00 0.00 0.00
Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.00
Puerto Rico 0.00 0.00 0.00 0.00 0.00 0.00
Rhode Island 0.00 0.00 3.00 3.00 2.00 2.00
South Carolina 1.00 0.00 0.00 0.00 0.00 0.00
South Dakota 0.00 0.00 0.50 0.50 0.00 0.00
Tennessee 0.00 0.00 1.00 1.00 0.00 0.00
Texas 0.00 0.00 0.00 0.00 0.00 0.00
U.S. Virgin Islands - - - - - -
Utah 0.00 4.00 2.00 0.00 0.00 0.00
Vermont 0.00 0.00 0.00 0.00 0.00 0.00
Virginia 0.00 0.00 1.00 0.00 0.00 0.00
Washington 0.00 2.35 - - - -
West Virginia 0.00 0.00 0.00 3.00 0.00 0.00
Wisconsin - - 0.21 0.15 - -
Wyoming 0.00 4.00 5.00 0.00 0.00 0.00
Total 54.25 95.89 43.52 23.01 6.63 4.25
Table 5
Contractual/Intergovernmental Staff - By Position - 2018
Analysts - P/CLawyers Actuaries - L/H Actuaries - P/C Analysts - L/H
Rate/Form Rate/Form
Administration
© 2019 National Association of Insurance Commissioners
16 Staffing
State
Alabama 0.00 0.00 0.00 0.00 0.00 0.00
Alaska 0.00 0.00 0.00 0.00 0.00 0.00
American Samoa - - - - - -
Arizona 4.43 0.00 1.27 0.72 0.00 0.64
Arkansas 0.00 0.00 0.00 0.00 0.00 0.00
California 0.00 0.00 22.50 1.00 0.00 0.00
Colorado 0.00 0.00 0.00 1.00 0.00 0.00
Connecticut 0.00 0.00 0.00 0.00 0.00 0.00
Delaware 44.00 10.00 20.00 14.00 3.00 0.00
Dist. of Columbia 0.00 0.00 0.00 0.00 0.00 0.00
Florida - - - - - -
Georgia - - - - - -
Guam 0.00 0.00 0.00 0.00 0.00 0.00
Hawaii - - - - - -
Idaho 3.00 0.20 0.00 0.00 0.00 0.00
Illinois - - - - - -
Indiana 12.00 0.00 0.00 3.00 0.00 0.00
Iowa 0.00 0.00 0.00 0.00 0.00 0.00
Kansas 0.00 0.00 0.00 0.00 0.00 0.00
Kentucky 4.00 0.00 0.00 5.00 2.00 0.00
Louisiana 16.00 0.00 0.00 1.00 0.00 0.00
Maine - - - - - -
Maryland 0.00 0.00 0.00 2.00 0.00 0.00
Massachusetts 0.50 0.00 0.00 0.00 0.00 0.00
Michigan 1.00 0.50 0.00 0.10 0.00 0.00
Minnesota 6.00 0.00 0.15 15.75 0.00 0.00
Mississippi 0.00 0.00 0.00 0.00 0.00 0.00
Missouri 0.00 0.00 0.00 0.00 0.00 0.00
Montana - - - - - -
Nebraska 0.00 0.00 0.00 0.00 0.00 0.00
Nevada - - - - - -
New Hampshire - - - - - -
New Jersey 0.00 0.00 0.00 0.00 0.00 31.00
New Mexico 0.00 0.00 1.00 0.00 0.00 0.00
New York 17.11 - 78.00 - - -
North Carolina - - - - - -
North Dakota - - - - - -
N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00
Ohio 0.00 0.00 0.00 0.00 0.00 0.00
Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00
Oregon 0.00 0.00 0.00 0.00 0.00 0.00
Pennsylvania 0.00 0.00 30.00 0.00 0.00 0.00
Puerto Rico 0.00 0.00 0.00 0.00 0.00 0.00
Rhode Island 0.00 0.00 0.00 0.66 0.00 0.00
South Carolina 1.00 0.00 0.00 0.00 0.00 0.00
South Dakota 1.00 1.00 0.00 1.00 0.00 1.00
Tennessee 4.00 3.00 5.00 0.00 0.00 0.00
Texas 0.00 0.00 12.00 0.00 0.00 0.00
U.S. Virgin Islands - - - - - -
Utah 8.00 0.00 0.00 0.00 0.00 0.00
Vermont 0.00 0.00 0.00 0.00 0.00 0.00
Virginia 0.00 0.00 0.00 0.00 0.00 0.00
Washington - - - - - 1.00
West Virginia 4.00 0.00 0.00 0.00 0.00 0.00
Wisconsin - - - - - -
Wyoming 0.00 0.00 1.00 0.00 0.00 0.00
Total 126.04 14.70 170.92 45.23 5.00 33.64
Investigators
Table 5 (continued)
Contractual/Intergovernmental Staff - By Position - 2018
Criminal
FraudMarket
AnalystsExaminers Analysts Personnel Examiners
Financial Financial Receivership Market
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 17
State
Alabama 0.00 0.00 0.00 0.00 0.00 - 1.00
Alaska 0.00 0.00 0.00 0.00 0.00 0.00 2.00
American Samoa - - - - - - 0.00
Arizona 0.00 0.00 0.00 0.20 0.20 4.23 14.98
Arkansas 0.00 0.00 0.00 0.00 0.00 0.00 0.00
California 0.00 0.00 0.00 0.00 0.00 0.00 23.50
Colorado 0.00 0.00 0.00 0.00 0.00 0.00 7.00
Connecticut 0.00 0.00 0.00 0.00 - 1.00 1.00
Delaware 0.00 0.00 0.00 19.00 5.00 0.00 150.00
Dist. of Columbia 0.00 0.00 0.00 0.00 0.00 0.00 8.00
Florida - - - - - - 0.00
Georgia - - - - - - 0.00
Guam 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Hawaii - - - - - - 0.00
Idaho 0.00 0.00 1.00 0.00 0.00 1.50 11.10
Illinois - - 2.00 1.00 - - 6.00
Indiana 0.00 0.00 0.00 0.00 0.00 10.00 35.00
Iowa 0.00 0.00 0.00 0.00 0.00 0.00 1.50
Kansas 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Kentucky 0.00 0.00 0.00 6.00 0.00 0.00 21.00
Louisiana 0.00 0.00 0.00 17.00 0.00 19.00 68.00
Maine - - - - - - 2.95
Maryland 1.00 4.00 1.00 0.00 0.00 5.00 15.00
Massachusetts 0.00 0.00 0.00 0.00 0.00 0.00 0.90
Michigan 0.00 0.00 0.00 6.00 0.00 11.25 31.85
Minnesota 0.00 0.00 0.00 0.00 0.00 0.00 27.40
Mississippi 0.00 0.00 0.00 0.00 0.00 0.00 8.00
Missouri 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Montana - - - - - - 0.00
Nebraska 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Nevada - - - - - - 4.00
New Hampshire - - - 1.38 - - 1.88
New Jersey - - 0.00 0.00 0.00 5.00 49.00
New Mexico 0.00 0.00 0.00 0.00 0.00 0.00 44.00
New York - - - 1.38 - 0.57 101.86
North Carolina - - - - - - 0.00
North Dakota - - - - - - 0.00
N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Ohio 0.00 0.00 0.00 3.00 0.00 0.00 3.00
Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Oregon 0.00 0.00 0.00 0.00 0.00 0.00 0.50
Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.00 30.00
Puerto Rico 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Rhode Island 0.00 0.00 0.00 0.00 0.00 0.00 10.66
South Carolina 0.00 0.00 2.00 1.00 0.00 0.00 5.00
South Dakota 1.00 0.00 0.00 0.25 0.00 0.00 6.25
Tennessee 0.00 0.00 0.00 0.00 0.00 0.00 14.00
Texas 0.00 0.00 0.00 0.00 0.00 0.00 12.00
U.S. Virgin Islands - - - - - - 0.00
Utah 0.00 0.00 0.00 3.00 0.00 0.00 17.00
Vermont 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Virginia - 0.00 0.00 0.00 0.00 0.00 1.00
Washington - - - - - - 3.35
West Virginia 0.00 0.00 0.00 0.00 0.00 0.00 7.00
Wisconsin - 0.00 - - - - 0.36
Wyoming 0.00 0.00 0.00 0.00 0.00 0.00 10.00
Total 2.00 4.00 6.00 59.21 5.20 57.55 757.04
Table 5 (continued)
Contractual/Intergovernmental Staff - By Position - 2018
Civil Information
Fraud Enforcement
Personnel All Other TotalInvestigators Personnel
Systems Processing
Advocates Personnel
Consumer
Data
© 2019 National Association of Insurance Commissioners
18 Staffing
State
Alabama 46,867 157,196 33,257 55,615 56,987 86,804 46,867 146,039
Alaska 94,236 192,504 64,488 136,836 52,260 146,340 - -
American Samoa - - - - - - - -
Arizona 64,101 133,322 36,814 65,828 36,814 65,828 55,203 99,501
Arkansas 108,110 157,100 56,039 81,257 - - 56,039 125,986
California 71,004 211,656 59,700 92,256 38,232 88,212 67,224 172,812
Colorado 89,904 145,704 62,616 91,644 62,616 91,644 89,904 145,704
Connecticut 80,261 178,651 86,813 118,362 41,200 130,573 84,204 128,307
Delaware 76,903 115,355 39,093 87,998 54,827 82,241 97,569 162,615
Dist. of Columbia 104,702 180,544 79,930 118,670 - - 117,831 191,415
Florida 45,173 161,487 40,948 109,578 25,479 128,809 39,083 172,955
Georgia 56,639 149,003 57,289 100,124 53,560 220,667 12,674 113,328
Guam 0 0 0 0 0 0 0 0
Hawaii 46,000 129,000 50,000 70,000 - - 64,000 96,000
Idaho 70,000 125,100 34,000 60,700 53,700 95,900 - -
Illinois 69,996 131,844 73,692 113,664 73,692 113,664 66,600 90,312
Indiana 85,000 125,000 45,000 75,000 - - 50,000 88,000
Iowa 95,097 191,693 - - 67,017 103,064 59,592 92,164
Kansas 63,226 112,000 - - 91,800 110,187 57,000 72,000
Kentucky 64,000 72,000 - - 87,000 87,000 55,000 84,000
Louisiana 135,000 178,500 25,896 77,958 45,000 92,000 45,344 133,931
Maine 67,662 93,205 42,286 57,429 - - 52,229 93,205
Maryland 37,476 106,348 26,144 82,089 80,568 129,354 66,231 129,354
Massachusetts 48,478 134,546 - - - - 44,590 125,834
Michigan 125,092 154,843 75,445 82,685 59,070 97,635 72,913 127,535
Minnesota 96,027 187,774 56,752 100,078 51,219 93,167 63,162 119,496
Mississippi 63,408 130,150 59,008 103,265 67,521 118,163 50,000 110,000
Missouri 74,513 116,150 35,640 55,000 72,000 77,677 40,500 93,000
Montana 90,876 141,841 58,000 58,000 65,000 68,000 83,007 129,559
Nebraska - - 34,940 50,604 - - 67,003 116,147
Nevada 104,540 107,001 49,778 73,957 67,714 101,853 107,001 116,839
New Hampshire 74,470 105,382 50,193 85,410 32,555 94,039 68,055 93,463
New Jersey 122,000 135,000 69,202 120,000 90,000 105,000 66,484 121,043
New Mexico 53,558 132,558 - - - - 44,827 139,190
New York 160,000 173,000 86,000 173,000 108,000 172,000 67,000 181,000
North Carolina 56,046 180,177 60,530 108,879 - - 75,650 161,169
North Dakota - 106,000 51,121 85,210 - - - 106,000
N. Mariana Islands - - - - - - - -
Ohio 90,373 161,699 53,040 77,459 55,494 89,164 70,636 102,148
Oklahoma 95,000 99,750 61,500 64,875 - - 62,150 99,750
Oregon 89,112 131,232 - - 58,212 119,100 62,268 91,200
Pennsylvania 49,076 139,907 49,076 93,008 43,012 110,983 56,059 141,399
Puerto Rico 72,000 95,004 - - 60,000 71,832 60,540 81,996
Rhode Island - - - - - - 86,127 97,594
South Carolina 59,161 134,903 32,838 60,760 48,622 89,956 59,161 109,457
South Dakota 65,987 79,668 - - - - 65,520 78,673
Tennessee 93,228 236,148 44,400 79,920 57,228 103,020 44,844 136,592
Texas 83,991 228,775 45,158 90,393 39,521 142,052 45,158 156,256
U.S. Virgin Islands - - - - - - - -
Utah 77,800 132,600 49,900 75,000 - - 66,300 99,600
Vermont 111,946 114,982 - - - - - -
Virginia 90,563 171,847 0 0 81,687 130,700 81,687 175,100
Washington 92,016 130,128 57,984 91,872 82,008 109,440 76,500 93,252
West Virginia 35,028 114,888 - - - - 41,736 81,132
Wisconsin 43,234 136,111 - - 52,535 141,002 52,291 126,339
Wyoming 84,960 127,440 - - - - 68,388 102,588
Low
Lawyers
Deputy/Assistant
Commissioners Media Public Policy
High
Table 6
Insurance Department Salary Range - By Position - 2018LegalExecutive
Low HighHigh Low High Low
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 19
State
Alabama 48,882 93,447 45,000 58,000 30,853 74,867 44,639 78,639 25,333 37,585
Alaska 47,100 146,496 - - - - 47,100 146,496 31,524 84,564
American Samoa - - - - - - - - - -
Arizona 39,983 77,469 - - 27,111 52,040 33,435 59,812 - -
Arkansas 56,039 90,670 36,155 58,493 - - - - - -
California 53,748 107,592 32,676 74,736 32,832 74,736 59,700 74,736 32,076 96,840
Colorado 58,620 82,752 - - 34,068 60,204 - - - -
Connecticut 76,373 98,224 55,797 72,420 41,756 85,597 - - - -
Delaware 54,827 100,752 29,825 71,838 34,142 51,214 24,346 51,214 - -
Dist. of Columbia 104,702 146,582 59,727 94,543 - - - - 44,389 83,287
Florida 56,148 112,469 46,381 108,147 - - - - - -
Georgia 56,639 149,003 52,331 116,000 - - 52,331 110,000 - -
Guam 0 0 0 0 0 0 0 0 0 0
Hawaii - - - - 30,000 49,000 - - 64,000 96,000
Idaho 38,100 86,800 30,100 53,800 30,100 53,800 25,800 60,700 25,800 46,100
Illinois 88,704 98,424 57,360 98,424 33,384 71,652 37,488 75,912 - -
Indiana - - - - 39,000 48,000 25,000 42,000 32,000 42,000
Iowa 82,555 117,478 50,980 77,563 - - - - 69,056 117,478
Kansas 61,200 112,750 47,092 56,128 - - 22,398 55,726 25,858 49,185
Kentucky 65,000 65,000 32,042 42,656 - - - - 24,072 51,361
Louisiana 25,896 153,338 32,323 89,253 - - 24,211 95,493 19,760 89,253
Maine 32,552 45,594 - - - - 30,222 42,286 - -
Maryland 37,476 106,348 26,144 82,089 0 0 0 0 0 0
Massachusetts 44,590 125,834 - - - - 52,015 90,570 44,959 70,455
Michigan 108,521 133,427 49,820 72,850 52,219 85,570 58,777 87,612 41,468 79,490
Minnesota 74,625 123,756 44,788 107,344 37,688 80,910 - - - -
Mississippi 39,363 99,701 48,963 85,684 41,255 72,196 28,359 107,156 0 0
Missouri 99,450 104,040 44,184 55,012 26,340 68,529 - - 16,267 42,708
Montana 84,905 132,522 46,297 69,445 - - - - 44,838 67,325
Nebraska 34,511 85,896 36,437 54,658 - - - - - -
Nevada 35,726 52,033 - - - - - - - -
New Hampshire 52,377 97,500 36,172 74,022 36,172 47,950 68,055 97,500 - -
New Jersey 63,518 121,374 62,471 104,000 51,254 51,254 49,010 51,254 42,896 116,748
New Mexico 39,686 101,150 - - 23,525 69,035 28,766 55,307 23,525 40,914
New York 136,000 152,000 30,000 136,000 31,000 121,000 55,000 103,000 30,000 123,000
North Carolina 42,780 117,589 31,200 86,431 33,960 86,431 - - 32,703 72,424
North Dakota 51,120 85,200 51,120 85,200 51,120 68,771 - - - -
N. Mariana Islands - - - - - - - - - -
Ohio 58,468 84,198 44,158 69,326 - - 50,086 73,320 - -
Oklahoma 59,464 75,000 - 68,585 - 45,500 48,500 62,750 40,788 54,900
Oregon - - - - - - - - - -
Pennsylvania 56,059 97,213 - - 37,986 65,389 43,012 85,125 29,888 50,230
Puerto Rico 37,020 46,008 22,800 37,776 0 0 25,500 25,500 16,200 32,148
Rhode Island - - - - - - - - - -
South Carolina 39,960 89,956 39,960 73,935 32,838 60,760 26,988 60,760 32,838 73,935
South Dakota - - - - - - 34,861 34,861 45,032 53,206
Tennessee 27,348 64,608 27,348 113,580 27,348 113,580 27,348 113,580 27,348 64,608
Texas 63,104 142,052 27,840 96,720 36,976 90,393 29,439 90,393 26,332 129,137
U.S. Virgin Islands - - - - - - - - - -
Utah - - - - - - 37,600 51,200 32,600 33,800
Vermont - - - - 75,629 119,163 - - - -
Virginia 56,573 130,700 0 0 32,449 60,266 42,913 68,128 0 0
Washington 45,288 106,608 59,448 70,620 30,360 46,452 - - 28,308 94,440
West Virginia 23,724 84,852 23,724 64,612 20,471 48,396 22,584 68,712 24,912 43,896
Wisconsin - - - - 40,269 107,947 - - - -
Wyoming - - 41,448 62,184 - - - - 38,568 57,864
Low High
Other
Supervisory
Staff Human Resources
Low High Low High
Table 6 (continued)
Insurance Department Salary Range - By Position - 2018Administration
Business Office
Low High
Revenue
Low High
© 2019 National Association of Insurance Commissioners
20 Staffing
State
Alabama - - 103,204 157,197 103,204 157,197 38,512 67,661 49,191 74,867
Alaska 115,167 149,160 100,860 224,640 100,860 224,640 53,292 149,160 53,292 149,160
American Samoa - - - - - - - - - -
Arizona 50,891 99,501 65,161 117,992 - - 43,240 84,157 43,240 77,469
Arkansas 86,887 125,986 - - - - 40,340 58,493 40,340 58,453
California 137,844 171,744 68,664 163,572 109,812 163,572 - - 42,144 101,448
Colorado 72,192 109,440 51,900 132,720 51,900 132,720 43,620 100,860 50,400 100,860
Connecticut 85,011 123,104 105,623 144,021 105,623 155,767 76,373 98,224 76,373 98,224
Delaware - - - - - - 34,142 51,214 34,142 51,214
Dist. of Columbia 104,702 146,582 64,603 118,670 92,093 118,670 92,093 118,670 92,093 118,670
Florida 54,148 106,103 74,858 236,849 74,858 236,849 36,467 74,368 34,467 74,368
Georgia 96,990 113,466 59,134 118,965 59,134 118,965 29,973 57,699 27,248 47,685
Guam 0 0 0 0 0 0 40,763 67,493 33,911 61,143
Hawaii - - 120,000 160,000 120,000 160,000 48,000 79,000 48,000 79,000
Idaho 48,600 86,800 58,200 150,300 - - 38,100 68,000 - -
Illinois 80,988 128,400 47,628 113,664 52,344 94,056 40,452 70,956 40,452 64,416
Indiana 60,000 82,000 86,000 190,000 90,000 115,000 42,000 60,000 45,500 60,000
Iowa 134,826 210,558 104,458 148,512 62,650 96,491 62,650 96,491 59,592 92,165
Kansas 48,000 67,420 95,000 105,000 - - 45,027 59,240 36,353 58,150
Kentucky 42,646 56,495 - - - - 38,770 51,361 38,770 51,361
Louisiana 51,917 269,083 62,438 162,642 198,524 201,022 32,323 77,958 32,323 77,958
Maine 47,965 65,811 88,733 122,075 88,733 122,075 36,546 70,637 42,286 57,429
Maryland 80,568 138,132 45,123 72,030 54,529 129,354 45,123 99,644 42,397 87,546
Massachusetts 41,017 113,116 - 133,933 56,947 155,386 52,015 81,952 52,015 74,146
Michigan 75,445 108,521 - - - - 53,265 79,490 53,265 79,490
Minnesota 67,025 96,486 131,231 187,774 131,231 187,774 47,857 96,918 47,857 84,146
Mississippi 48,814 100,788 0 0 0 0 34,722 72,196 28,555 61,813
Missouri 54,370 61,900 55,376 149,997 133,926 143,926 34,416 59,037 32,000 48,852
Montana 52,824 112,697 53,251 79,877 53,251 79,877 35,436 53,154 35,436 53,154
Nebraska 67,402 148,787 51,675 110,048 117,501 145,870 40,822 58,683 40,822 58,683
Nevada 64,686 101,853 137,800 137,800 137,800 137,800 59,237 88,698 59,237 88,698
New Hampshire 68,055 110,596 83,258 110,596 70,833 94,039 59,572 81,666 59,572 81,666
New Jersey 100,000 110,627 106,854 120,500 74,620 110,505 51,253 110,169 57,984 110,169
New Mexico 39,686 186,664 35,381 69,035 39,686 186,664 31,782 61,568 35,381 61,568
New York 151,000 181,000 77,000 136,000 77,000 136,000 81,000 151,000 58,000 123,000
North Carolina 56,046 168,390 77,224 147,078 77,224 147,078 46,203 93,346 46,203 93,346
North Dakota 68,252 113,749 - 65,000 - 113,281 46,783 77,678 46,783 51,908
N. Mariana Islands - - - - - - - - - -
Ohio 84,198 140,364 45,760 107,785 66,497 123,905 54,953 97,884 54,953 97,884
Oklahoma 51,875 59,922 - 51,500 - - - 38,110 40,700 46,000
Oregon 69,936 119,100 69,936 129,444 69,936 129,444 55,548 91,200 55,548 86,952
Pennsylvania 56,059 126,690 64,020 110,983 43,012 110,983 43,012 74,641 49,076 74,641
Puerto Rico 44,700 79,704 34,848 34,848 28,500 28,500 0 0 23,820 25,020
Rhode Island 92,617 107,540 - - - - 64,407 72,924 64,407 72,924
South Carolina 48,622 89,956 48,622 133,179 48,622 133,179 32,838 60,760 32,838 60,760
South Dakota - - - - - - 44,928 48,381 43,805 48,381
Tennessee 44,844 80,724 - - - - 44,520 71,232 44,520 71,232
Texas 111,793 228,775 48,278 189,069 48,278 189,069 31,144 90,393 34,918 90,393
U.S. Virgin Islands - - - - - - - - - -
Utah 53,300 64,400 122,100 125,500 - - 46,900 52,700 45,900 47,100
Vermont 60,944 108,618 - - - - 42,848 74,838 42,848 74,838
Virginia 72,290 130,700 90,565 149,433 0 0 43,948 91,912 59,298 91,912
Washington 72,456 101,232 118,680 171,888 102,348 144,576 43,104 86,076 44,208 74,196
West Virginia 37,140 77,220 - - 53,676 107,364 31,164 61,128 33,036 61,128
Wisconsin 56,908 130,832 - - - - 37,232 85,841 37,232 85,841
Wyoming 54,072 81,096 - - - - 49,536 74,304 49,536 74,301
Actuarial
Table 6 (continued)
Insurance Department Salary Range - By Position - 2018
Rate/FormRate/Form
Actuaries - P/C
High
Analysts - L/H
Low High Low LowHigh
Analysts - P/CSupervisory Staff
Low High Low
Actuaries - L/H
High
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 21
State
Alabama 66,000 108,656 36,658 100,699 32,433 100,699 31,647 71,171 - - 66,000 100,699
Alaska 83,472 170,784 61,416 149,160 - - - - - - - -
American Samoa - - - - - - - - - - - -
Arizona 46,932 117,992 - - 33,435 84,157 55,203 99,501 36,814 77,469 39,983 71,564
Arkansas 69,776 112,900 56,039 101,175 40,340 65,263 - - - - - -
California 41,268 123,744 44,256 82,428 65,808 114,228 - - - - - -
Colorado 78,336 128,928 54,180 128,856 50,400 118,752 - - - - - -
Connecticut 88,428 123,104 76,373 102,853 49,312 114,714 80,155 102,853 - - 80,155 102,853
Delaware 31,912 107,804 - - 34,142 82,241 - - - - 44,755 94,164
Dist. of Columbia 104,702 146,582 64,603 118,670 92,093 118,670 - - - - 92,093 162,705
Florida 56,147 112,469 43,507 85,867 40,948 88,430 54,228 128,805 - - - -
Georgia 66,821 116,937 66,821 116,937 49,140 60,173 - - - - 31,200 85,000
Guam 49,897 87,943 33,911 61,143 40,762 67,493 0 0 0 0 0 0
Hawaii 64,000 96,000 59,000 89,000 52,000 89,000 - - - - 52,000 89,000
Idaho 63,600 113,600 48,600 103,900 43,000 96,000 - - - - - -
Illinois 98,004 118,656 41,976 70,956 47,628 113,664 - - - - - -
Indiana 60,000 106,500 - - 45,000 62,000 - - - - - -
Iowa 78,853 129,147 47,881 106,205 47,881 106,205 - - - - - -
Kansas 90,001 95,758 67,002 94,658 46,143 77,500 - - - - 55,000 62,000
Kentucky 42,647 68,359 - - - - - - - - 42,647 56,496
Louisiana 55,557 143,312 37,003 95,493 37,003 102,170 - - - - - -
Maine 49,483 101,941 33,550 54,517 33,550 45,198 - - - - 49,483 68,058
Maryland 58,168 129,354 45,123 93,395 45,123 87,546 0 0 0 0 0 0
Massachusetts 41,017 123,363 52,015 81,952 52,015 81,952 - - - - - -
Michigan 64,164 102,375 50,885 87,466 50,885 87,466 75,445 108,521 - - 60,093 102,375
Minnesota 67,025 107,344 63,162 93,918 46,354 93,918 - - - - - -
Mississippi 80,569 140,997 - - 43,167 108,321 - - - - - -
Missouri 55,012 98,222 45,000 94,860 39,708 48,852 46,359 65,392 - - 85,000 86,700
Montana 76,158 118,869 63,267 128,036 - - - - - - 50,232 128,036
Nebraska 72,171 161,105 36,136 105,396 43,801 95,814 - - - - 48,180 106,215
Nevada 64,686 101,853 54,330 88,698 49,778 80,973 - - - - - -
New Hampshire 83,258 110,596 59,572 101,536 59,572 101,517 - - - - - -
New Jersey 115,000 118,769 83,252 120,081 64,146 115,463 88,000 88,000 - - 118,101 118,101
New Mexico 39,686 88,525 35,381 61,568 - - - - - - - -
New York 144,000 181,000 58,000 122,000 56,000 136,000 - - - - - -
North Carolina 60,530 137,456 48,051 100,814 48,051 108,879 60,530 108,879 - - 48,051 108,879
North Dakota 72,432 110,384 44,323 85,210 56,004 93,336 - - - - - -
N. Mariana Islands - - - - - - - - - - - -
Ohio 70,636 130,000 82,950 114,400 82,950 114,400 74,276 106,558 - - 82,950 130,000
Oklahoma 70,750 75,750 - - 39,000 59,000 - - - - - 44,300
Oregon 69,936 119,100 58,236 91,200 58,236 91,200 - - - - 58,239 91,200
Pennsylvania 56,059 110,983 49,076 85,125 43,012 74,641 - - - - - -
Puerto Rico 45,996 80,352 27,300 43,776 23,820 42,144 - - - - - -
Rhode Island 86,127 107,540 47,950 88,062 47,950 88,062 - - - - - -
South Carolina 48,622 133,179 39,960 89,956 32,838 89,956 0 0 0 0 32,838 109,457
South Dakota 61,847 61,847 - - 38,022 54,891 - - - - - -
Tennessee 59,676 125,220 42,396 95,460 42,396 95,460 57,228 130,200 - - 42,396 116,040
Texas 76,356 156,256 48,278 156,256 48,278 156,256 27,840 142,052 - - - -
U.S. Virgin Islands - - - - - - - - - - - -
Utah 54,100 95,600 39,100 69,100 39,100 69,100 - - - - 39,100 67,400
Vermont 69,118 108,618 42,848 89,814 47,923 74,838 - - - - 42,848 108,618
Virginia 81,687 130,700 59,298 91,912 49,006 91,912 0 0 0 0 0 0
Washington 92,700 119,076 59,448 97,392 70,620 112,332 - - - - - -
West Virginia 41,736 87,612 47,352 93,756 39,400 68,712 - - - - - -
Wisconsin 56,908 130,832 37,232 85,841 37,232 85,841 - - - - - -
Wyoming 65,964 98,940 54,072 81,096 38,568 57,864 - - - - - -
Table 6 (continued)
Insurance Department Salary Range - By Position - 2018
Captive/
Specialty Ins.Fund
Financial Regulation
Supervisory Financial Financial Receivership Guaranty
Staff Examiners Analysts Personnel
Low High Low High Low HighHigh Low High Low High Low
© 2019 National Association of Insurance Commissioners
22 Staffing
State
Alabama - - 42,496 71,171 42,496 71,171 32,433 49,191
Alaska - - - - - - - -
American Samoa - - - - - - - -
Arizona 50,891 91,490 - - 43,240 77,469 - -
Arkansas - - - - - - - -
California 74,964 101,448 42,144 99,048 42,144 99,048 - -
Colorado 72,192 109,440 50,400 100,860 50,400 100,860 - -
Connecticut 85,011 110,499 76,373 98,224 76,373 98,224 - -
Delaware 44,755 67,133 39,093 58,639 - - - -
Dist. of Columbia 116,219 162,705 - - 79,930 102,268 - -
Florida 56,147 112,469 - - 32,690 88,430 - -
Georgia 59,134 110,313 47,500 82,770 - - - -
Guam 0 0 40,762 67,493 0 0 0 0
Hawaii - - 59,000 89,000 52,000 79,000 - -
Idaho - - - - 48,600 86,800 - -
Illinois 64,368 64,368 43,764 88,704 43,764 89,280 - -
Indiana - - 36,000 55,000 - - - -
Iowa - - - - 54,038 83,865 - -
Kansas 67,040 71,796 60,341 63,087 47,008 48,653 - -
Kentucky 42,647 56,495 - - 35,246 56,496 - -
Louisiana 51,917 102,170 - - 33,323 77,958 - -
Maine 49,483 68,058 42,286 57,429 - - - -
Maryland 51,152 99,644 42,397 76,896 45,123 72,030 0 0
Massachusetts 38,067 104,934 - - 71,370 107,430 57,245 81,952
Michigan 64,534 99,159 53,181 76,233 49,820 72,850 52,210 77,620
Minnesota 77,799 115,258 54,914 80,910 - - - -
Mississippi 80,569 140,997 - - - - - -
Missouri 98,222 99,072 49,816 89,365 - - - -
Montana 52,824 79,235 59,772 89,658 59,772 89,658 - -
Nebraska 54,257 86,386 43,668 65,948 43,668 65,948 - -
Nevada 59,237 88,698 54,330 80,973 - - - -
New Hampshire 71,233 97,500 64,974 93,463 57,096 87,932 - -
New Jersey 110,627 110,627 51,254 79,329 53,497 91,368 - -
New Mexico 35,381 61,568 - - - - 26,229 55,307
New York 136,000 151,000 56,000 122,000 71,000 122,000 - -
North Carolina 56,046 117,589 46,203 100,814 46,203 93,346 - -
North Dakota - - - - - - - -
N. Mariana Islands - - - - - - - -
Ohio 64,292 102,148 50,086 80,600 76,814 80,600 - -
Oklahoma - 65,214 - - 41,921 48,305 - -
Oregon 69,939 119,100 58,239 91,200 58,239 91,200 - -
Pennsylvania 64,020 97,213 49,076 85,125 56,059 85,125 - -
Puerto Rico 91,716 91,716 45,672 45,672 36,693 37,320 - -
Rhode Island 86,127 97,594 47,950 72,924 - - - -
South Carolina 0 0 0 0 39,960 73,935 0 0
South Dakota - - 45,032 45,032 - - - -
Tennessee - - 42,396 95,460 - - - -
Texas 69,415 117,397 48,278 103,491 - - 31,144 78,953
U.S. Virgin Islands - - - - - - - -
Utah - - 42,400 67,200 47,300 71,000 - -
Vermont 69,118 108,618 57,262 89,814 - - - -
Virginia 72,290 130,700 0 0 49,006 91,912 0 0
Washington 77,352 88,800 64,008 72,456 64,008 72,456 - -
West Virginia 54,228 100,332 37,140 68,712 35,025 72,840 - -
Wisconsin 56,908 130,832 37,232 85,841 37,232 85,841 37,232 85,841
Wyoming 54,072 81,096 - - - - - -
Table 6 (continued)
Insurance Department Salary Range - By Position - 2018
Managed Care
Organization Oversight
Market Conduct Market Conduct
Supervisory Staff Examiners
Low High
Market Conduct Regulation
Analysts
Low High Low High Low High
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 23
State
Alabama - - 38,512 78,637 34,919 100,699 - -
Alaska 68,328 139,524 57,336 121,944 - - - -
American Samoa - - - - - - - -
Arizona 36,814 65,828 39,983 71,564 - - 31,110 55,763
Arkansas 26,039 81,257 45,010 65,265 - - - -
California 71,004 200,148 55,620 89,544 39,948 81,264 - -
Colorado 72,192 109,440 - - 35,112 107,268 - -
Connecticut 86,813 118,362 - - - - 61,530 98,224
Delaware 39,093 82,241 - - 34,142 51,214 - -
Dist. of Columbia 104,702 180,544 - - 79,930 118,670 - -
Florida 55,907 111,864 40,000 75,801 - - 22,453 67,849
Georgia 87,693 97,693 44,069 63,063 - - - -
Guam 0 0 0 0 0 0 0 0
Hawaii 64,000 96,000 48,000 79,000 - - - -
Idaho 48,600 95,900 43,000 76,800 43,000 76,800 - -
Illinois 67,200 102,840 - - 58,476 70,620 40,452 70,956
Indiana 50,000 68,000 55,000 65,000 - - 39,000 78,000
Iowa 82,555 117,478 52,520 79,934 - - - -
Kansas 91,000 96,539 61,500 64,272 - - - -
Kentucky 42,647 68,359 32,042 46,690 - - - -
Louisiana 55,557 125,174 - - 32,323 95,493 32,323 72,862
Maine - - - - - - - -
Maryland 48,034 99,644 45,123 72,030 45,123 72,030 42,397 76,896
Massachusetts 62,530 123,363 - - 52,015 74,146 71,605 103,470
Michigan 90,000 90,000 0 0 46,249 72,850 0 0
Minnesota 67,025 115,258 64,185 84,689 47,857 80,910 - -
Mississippi 63,000 110,000 - - 36,000 72,000 - -
Missouri 41,884 55,713 - - 38,304 41,184 - -
Montana - - 52,525 78,787 - - - -
Nebraska 49,394 74,094 45,945 65,757 - - - -
Nevada 54,330 80,973 - - 43,827 67,714 - -
New Hampshire 66,251 94,039 59,415 93,463 - - 62,244 93,463
New Jersey 87,703 110,627 - - 70,369 91,368 50,316 91,368
New Mexico 39,686 88,525 35,381 61,568 - - 31,782 55,307
New York 151,000 167,000 60,000 137,000 81,000 103,000 - -
North Carolina 60,530 117,589 42,780 100,814 - - - -
North Dakota - - - - 51,120 70,063 - -
N. Mariana Islands - - - - - - - -
Ohio 64,292 102,148 50,086 73,320 42,244 73,320 - -
Oklahoma - 75,000 53,118 70,750 - - - -
Oregon 69,936 119,100 - - 45,972 71,916 64,068 100,296
Pennsylvania 56,059 97,213 - - 49,076 74,641 - -
Puerto Rico - - - - - - - -
Rhode Island - - - - - - - -
South Carolina 39,960 73,935 0 0 0 0 32,838 60,760
South Dakota - - - - - - 44,325 44,325
Tennessee 46,752 103,020 - - 34,896 64,608 - -
Texas 59,004 156,256 45,158 96,720 31,144 96,720 76,356 129,137
U.S. Virgin Islands - - - - - - - -
Utah 49,200 109,600 44,200 78,100 - - - -
Vermont - - - - - - - -
Virginia 72,290 130,700 0 0 0 0 49,006 91,912
Washington 72,456 101,592 83,988 86,076 44,208 68,940 - -
West Virginia 3,336 81,852 29,400 54,396 27,732 61,128 - -
Wisconsin - - - - - - - -
Wyoming - - - - - - - -
Antifraud
Enforcement
PersonnelInvestigators
Civil FraudCriminal Fraud
Supervisory Staff Investigators
Table 6 (continued)
Low HighLow High Low High Low High
Insurance Department Salary Range - By Position - 2018
© 2019 National Association of Insurance Commissioners
24 Staffing
State
Alabama 44,639 71,171 40,469 61,304 - - 25,333 44,639 - - - -
Alaska 59,586 132,684 49,776 106,716 - - - - - - - -
American Samoa - - - - - - - - - - - -
Arizona 39,983 71,564 - - - - 31,110 55,763 - - 36,814 65,828
Arkansas 45,010 65,265 32,405 72,822 - - - - 36,155 52,425 - -
California 74,946 101,448 62,676 78,504 - - 38,232 86,232 110,520 141,780 - -
Colorado 72,192 188,752 43,620 100,860 - - - - 43,620 73,764 - -
Connecticut 85,011 110,499 63,215 98,224 - - - - - - - -
Delaware 36,534 87,998 34,142 51,214 - - - - 29,825 51,214 - -
Dist. of Columbia 104,702 162,705 79,930 102,268 85,149 109,710 - - - - - -
Florida 48,881 70,200 35,797 57,549 46,381 91,984 27,983 52,000 - - - -
Georgia 85,196 118,145 28,279 59,639 0 0 - - 0 0 0 0
Guam 0 0 0 0 0 0 0 0 0 0 0 0
Hawaii - - 48,000 79,000 - - 48,000 79,000 - - - -
Idaho 43,000 95,900 43,000 76,800 - - - - 25,800 68,000 - -
Illinois 54,768 98,424 39,924 70,956 43,764 70,956 73,692 113,664 - - - -
Indiana 75,000 96,000 - - - - 38,000 76,000 28,000 60,000 - -
Iowa 95,097 148,512 45,801 83,865 69,056 106,204 - - 35,630 106,204 50,148 76,377
Kansas 55,275 67,049 33,800 53,249 - - - - - - - -
Kentucky 38,770 68,359 32,042 46,691 42,647 56,496 - - - - - -
Louisiana 51,917 125,174 32,323 77,958 32,323 83,408 - - 32,323 77,958 - -
Maine 52,998 82,035 30,992 54,517 43,784 59,446 27,955 36,629 - - 52,458 69,680
Maryland 45,123 93,395 39,857 76,896 0 0 37,476 72,030 0 0 42,397 76,896
Massachusetts 41,017 113,116 52,015 74,146 - - - - - - - -
Michigan 75,445 108,521 49,820 72,850 - - 38,670 79,490 - - 53,265 87,612
Minnesota 67,025 96,486 40,862 80,910 - - - - - - - -
Mississippi 37,458 93,801 30,581 72,196 - - - - - - - -
Missouri 41,844 55,012 36,924 42,780 - - - - - - - -
Montana 52,824 79,235 51,050 76,575 - - - - - - - -
Nebraska 49,554 87,487 37,791 65,948 - - - - 40,375 64,979 - -
Nevada 47,711 70,741 43,827 64,686 - - - - - - - -
New Hampshire 68,055 93,463 52,377 70,843 - - 44,167 81,666 - - - -
New Jersey 95,729 110,627 48,114 100,000 - - 45,127 55,000 - - 52,691 88,358
New Mexico 35,381 61,568 - - 26,229 45,656 - - - - - -
New York 136,000 181,000 56,000 122,000 47,000 57,000 - - - - 56,000 72,000
North Carolina 48,051 108,879 33,960 72,424 - - - - 33,960 72,424 42,780 72,424
North Dakota 72,432 110,384 46,788 60,943 - - 43,032 44,232 43,032 45,432 - -
N. Mariana Islands - - - - - - - - - - - -
Ohio 64,292 102,148 42,244 73,320 - - - - 42,244 60,091 - -
Oklahoma - 70,750 39,400 51,000 44,300 56,000 - - 39,644 43,388 - -
Oregon 69,936 119,100 50,592 79,080 - - 50,592 119,100 - - - -
Pennsylvania 64,020 110,983 43,012 74,641 - - - - - - - -
Puerto Rico 47,808 64,944 27,000 46,008 - - 25,200 27,336 - - - -
Rhode Island 92,617 107,540 47,950 72,924 - - - - - - - -
South Carolina 39,960 89,956 0 0 32,838 60,760 0 0 0 0 0 0
South Dakota - - 36,296 43,805 - - - - - - - -
Tennessee 38,460 84,768 31,644 50,628 - - - - - - - -
Texas 45,158 156,256 31,144 96,720 - - 29,439 129,137 - - - -
U.S. Virgin Islands - - - - - - - - - - - -
Utah - - 44,200 78,100 - - - - - - - -
Vermont 50,814 79,435 40,581 74,838 - - - - - - - -
Virginia 72,290 130,700 49,006 91,912 49,006 115,664 0 0 0 0 72,290 115,664
Washington 53,844 101,340 - - 55,152 76,196 - - 50,004 72,456 - -
West Virginia 25,028 77,220 27,732 51,312 35,028 75,060 31,164 57,660 - - 29,400 77,220
Wisconsin 56,908 130,832 37,232 85,841 37,232 85,841 - - - - - -
Wyoming - - 38,568 57,864 - - - - - - - -
Table 6 (continued)
Insurance Department Salary Range - By Position - 2018
Staff
Complaint
Investigators
Consumer Assistance
AppealsIns. Program
Consumer Affairs
High Low HighHigh Low High Low
Senior Health Healthcare
Advocates
Low High Low High
Supervisory
Personnel
Low
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 25
State
Alabama 40,469 61,304 20,780 45,750 66,000 100,699 26,597 71,171
Alaska 54,576 146,496 40,032 97,224 - - - -
American Samoa - - - - - - - -
Arizona 33,435 84,157 25,508 44,894 - - 36,814 65,828
Arkansas 45,377 81,257 26,034 52,425 - - 26,034 72,822
California 46,932 96,840 31,560 82,416 59,700 74,736 - -
Colorado 72,192 109,440 55,400 73,764 78,336 118,752 - -
Connecticut 85,011 110,499 40,901 98,224 - - - -
Delaware 62,776 94,164 26,048 41,806 - - - -
Dist. of Columbia 104,702 146,582 79,930 102,268 79,930 102,268 - -
Florida 46,381 101,526 27,926 91,984 - - - -
Georgia 52,331 116,937 37,627 39,848 37,627 39,901 - -
Guam 0 0 33,911 61,143 40,762 67,493 0 0
Hawaii - - 34,000 53,000 - - - -
Idaho 38,100 68,000 22,400 46,100 - - - -
Illinois 64,104 111,072 45,204 61,644 47,580 57,912 35,220 48,780
Indiana 60,000 74,000 25,000 34,000 26,000 55,000 36,000 46,000
Iowa 82,555 117,478 32,380 92,165 - - - -
Kansas 65,920 67,897 32,620 40,170 39,311 40,490 36,257 40,170
Kentucky 38,770 68,359 42,647 56,496 - - 32,042 42,656
Louisiana 25,896 125,174 32,323 77,958 32,323 77,958 32,323 77,958
Maine 47,965 65,811 27,830 49,525 27,955 54,517 - -
Maryland 39,857 106,348 33,178 59,260 27,727 52,095 0 0
Massachusetts 49,978 113,116 44,959 62,836 - - - -
Michigan 58,777 108,521 49,820 72,850 49,820 72,850 - -
Minnesota 57,796 83,687 43,493 63,162 43,493 96,486 35,183 55,144
Mississippi 53,600 93,801 - - - - - -
Missouri 41,844 55,012 24,360 35,556 36,500 40,304 - -
Montana 52,824 79,235 28,029 53,154 - - - -
Nebraska 50,467 75,704 15,267 54,398 - - - -
Nevada 42,094 73,957 32,990 52,033 - - - -
New Hampshire 50,193 67,918 33,364 44,167 42,471 57,096 - -
New Jersey 67,760 110,627 60,164 78,022 - - 40,577 75,901
New Mexico 39,686 69,035 21,195 40,914 23,525 61,568 - -
New York 68,000 98,000 43,000 72,000 47,000 58,000 - -
North Carolina 46,203 117,589 31,200 93,346 - - 48,051 86,431
North Dakota 72,432 110,384 26,784 46,889 - - - -
N. Mariana Islands 24,500 34,500 - - - - 24,500 34,500
Ohio 48,089 100,900 42,244 54,953 42,244 54,953 42,244 54,953
Oklahoma 42,750 65,631 32,300 36,980 - - 36,000 42,090
Oregon 69,936 119,100 35,472 71,916 - - 32,352 47,016
Pennsylvania 49,076 85,125 49,076 74,641 49,076 74,641 - -
Puerto Rico - - 22,488 35,904 - - - -
Rhode Island - - 38,015 46,543 53,700 77,400 - -
South Carolina 39,960 73,935 26,988 49,932 0 0 26,988 49,932
South Dakota - - 35,048 43,805 43,805 43,805 - -
Tennessee 36,420 76,872 26,028 53,172 44,520 74,808 - -
Texas 51,614 117,397 31,144 73,788 31,144 103,491 - -
U.S. Virgin Islands - - - - - - - -
Utah - - 35,100 58,700 25,300 43,600 - -
Vermont - - 36,587 70,678 - - - -
Virginia 81,687 130,700 49,006 91,912 43,948 91,912 0 0
Washington 47,532 104,424 36,528 50,004 57,984 67,236 50,004 76,092
West Virginia 31,164 65,000 20,472 37,884 - - - -
Wisconsin 37,398 85,841 37,460 64,064 33,384 50,440 - -
Wyoming 41,448 62,184 35,544 53,304 - - - -
Table 6 (continued)
Insurance Department Salary Range - By Position - 2018Licensing
Low High
Other Licensing
Low High
Supervisory Staff Producer Licensing Company Licensing
Low High Low High
© 2019 National Association of Insurance Commissioners
26 Staffing
State
Alabama 61,304 100,699 30,853 61,304 44,639 86,804 44,639 78,639
Alaska - - - - - - - -
American Samoa - - - - - - - -
Arizona 65,161 117,992 46,932 84,157 - - - -
Arkansas 71,704 103,970 51,762 83,745 51,762 83,745 84,541 129,835
California 80,196 130,524 38,976 108,972 46,524 108,972 46,524 99,360
Colorado - - 55,800 81,684 - - - -
Connecticut - - 74,945 101,107 74,945 94,975 - -
Delaware 54,827 82,241 39,093 58,639 47,892 71,838 - -
Dist. of Columbia 116,219 162,705 92,093 118,670 - - 53,620 69,037
Florida 43,507 108,147 28,684 83,066 40,948 88,430 29,344 93,333
Georgia 88,683 111,962 65,520 79,498 47,586 75,348 54,600 54,600
Guam 0 0 0 0 0 0 0 0
Hawaii - - - - - - - -
Idaho 53,700 95,900 43,000 76,800 43,000 76,800 34,000 60,700
Illinois - - - - - - - -
Indiana - - - - - - - -
Iowa - - - - 59,592 92,165 - -
Kansas - - 40,000 45,011 58,425 60,469 - -
Kentucky 42,647 56,496 - - 32,042 51,361 - -
Louisiana 67,309 125,194 41,912 89,960 41,912 103,002 - -
Maine 47,965 65,811 - - - - 40,227 57,429
Maryland 48,034 129,354 48,034 93,395 48,034 93,395 42,397 67,480
Massachusetts - - - - - - - -
Michigan - - - - - - - -
Minnesota - - - - - - - -
Mississippi 55,274 96,730 41,164 72,037 34,279 89,878 - -
Missouri - - - - - - - -
Montana 86,222 134,578 - - 53,567 105,028 - -
Nebraska - - - - 48,183 72,642 - -
Nevada - - 61,888 92,895 - - - -
New Hampshire - - - - - - - -
New Jersey 110,169 110,169 51,254 84,326 90,000 110,169 - -
New Mexico 58,094 96,844 40,685 96,844 - - - -
New York 87,000 173,000 85,000 112,000 56,000 112,000 47,000 100,000
North Carolina 56,339 184,410 46,561 100,892 56,339 100,892 - -
North Dakota - - 46,788 73,644 - - - -
N. Mariana Islands - - - - - - - -
Ohio 85,800 112,444 66,497 97,884 60,497 107,785 60,486 88,774
Oklahoma - - - - - 75,750 - 51,500
Oregon - - 38,244 59,400 - - 44,220 68,340
Pennsylvania - - - - - - - -
Puerto Rico 61,296 61,296 - - - - 23,820 25,020
Rhode Island - - - - - - - -
South Carolina 48,622 89,956 39,960 73,935 39,960 89,956 0 0
South Dakota - - - - - - - -
Tennessee - - - - - - - -
Texas 69,415 142,052 39,521 117,397 42,244 129,137 39,521 117,397
U.S. Virgin Islands - - - - - - - -
Utah - - - - - - - -
Vermont - - 45,282 70,678 - - - -
Virginia 72,290 149,433 49,006 75,960 0 0 0 0
Washington 95,016 118,320 62,436 97,392 56,580 97,392 - -
West Virginia 26,579 100,332 - - 35,025 72,840 44,244 81,852
Wisconsin 52,353 120,831 45,814 123,250 45,814 123,250 45,814 123,250
Wyoming - - - - - - - -
Low High
Table 6 (continued)
Insurance Department Salary Range - By Position - 2018
Data Services
Information Systems/Technical Services
Systems/LAN Computer
Supervisory Staff Personnel Programmer/Analysts Personnel
Low High Low HighLow High
© 2019 National Association of Insurance Commissioners
Budget and Funding
Budget Fiscal year 2020 budgets increased 1.62% over 2019
numbers and have increased 8.6% since 2016. Each year,
state insurance departments are asked to provide budget
information, including a projected budget amount for the
upcoming fiscal year. In the following year, insurance
departments update the projected amount to reflect the
actual budget amount for the fiscal year. So, for example,
the 2019 budget amounts reported in the 2017 publication
are projected amounts and have been updated in the 2018
publication to reflect the actual budget amounts for the
2019 fiscal year.
Funding The funding methods used by insurance departments
can be divided into the following categories:
• Dedicated Funding
• Quasi-dedicated Funding
• General Revenue Funding
• Combination
• Other
Under a dedicated funding system, specific amounts
are placed in a separate fund established for the insurance
department. Usually, the fund is created out of the fees and
assessments, fines and penalties, and other incomes
generated by the insurance department, while taxes
(premium taxes and retaliatory taxes) go into the state’s
general fund. The department spends from the dedicated
fund up to a level appropriated by the state legislature. If
revenue flowing into the fund exceeds the department’s
expenditures, the balance is carried over to the next fiscal
year. If the revenue flowing into the fund is less than
anticipated, the department must either reduce its spending
level below the legislative appropriation or use the
accumulated cash balance of the fund from previous years.
Dedicated funding systems allow the department to lessen
the effect of cyclical changes in its funding over time. The
department is able to build up a cash balance during high
revenue years and spend down the accumulated fund
during economic downturns.
A quasi-dedicated funding system is similar to the
dedicated system, except that the balance at the end of the
year returns to the state’s general fund rather than being
carried over to the next fiscal year. This system does not
dampen the effect of cyclical funding changes.
In a general revenue funding system, all revenue
generated by the state insurance department is placed into
the state’s general fund. The state legislature then allocates
an amount to the insurance department in the normal
budgetary process. Generally, the state legislature has
substantial control over how the insurance department
spends this money.
A combination system employs parts of two or more of
the funding methods described above. Any remaining
funding system is placed in the “other” category. This
includes unique funding systems that do not fit into any of
the more common categories mentioned above.
ExpensesInsurance department expenses can be divided into two
main categories. Administration and regulation expenses
are directly related to the administration of state insurance
law and the regulation of companies and producers.
Operations expenses are costs associated with the basic
running of the department, such as building expenses and
staff salaries.
Revenues Insurance departments generate considerable revenues
for their respective states. Not all revenue generated
through the auspices of the state insurance departments are
retained by the insurance departments. In most cases, these
revenues are deposited into a state’s general revenue fund,
although, in some states, the insurance department’s
budget is linked to the amount of revenues collected from
the insurance industry.
In the following tables, revenues generated by state
insurance departments have been divided into four
categories:
• Total Taxes
• Fees and Assessments
• Fines and Penalties
• Other
Total taxes include premium, retaliatory, franchise, and
income taxes paid by insurers. Fees include filing,
examination, and licensing fees. Assessments are defined
as payments required of an insurer and designated at the
time of collection for a specific use.
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 27
28 Budget and Funding
Figure 3
Aggregate Insurance Department Budgets 2010-2020
Figure 4
Annual Budget Growth Rates 2009-2019
-3.24%
3.37%
1.02%
0.35%
2.22%2.75%
5.06%
-1.73%
4.27% 4.29%
1.62%
-4.00%
-3.00%
-2.00%
-1.00%
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Gro
wth
Rat
e
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
Budget Year $1,237.3 $1,279.0 $1,292.1 $1,296.6 $1,325.4 $1,361.8 $1,430.7 $1,406.0 $1,466.1 $1,529.0 $1,553.7
$0
$200
$400
$600
$800
$1,000
$1,200
$1,400
$1,600
$1,800
Bu
dg
et (
$M)
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 29
State 2018 2017 2016
Alabama $44,032,323 $41,131,612 $35,141,491 $22,000,000 $24,260,583 81.50%
Alaska $7,279,600 $7,279,600 $7,447,200 $7,098,400 $7,161,300 1.65%
American Samoa - - - - - -
Arizona $34,490,200 $34,490,200 $44,251,300 $26,229,300 $38,826,000 -11.17%
Arkansas $14,270,015 $13,463,407 $13,500,028 $13,751,150 $13,243,262 7.75%
California $226,042,000 $224,724,000 $217,737,000 $204,137,000 $203,918,000 10.85%
Colorado $15,000,000 $13,495,203 $14,143,377 $12,720,710 $14,883,918 0.78%
Connecticut $29,920,152 $27,207,035 $27,092,246 $28,533,164 $29,300,275 2.12%
Delaware $11,664,100 $10,477,300 $10,797,400 $9,936,200 $8,936,200 30.53%
Dist. of Columbia $13,048,914 $12,255,959 $12,178,900 $11,345,569 $10,761,568 21.25%
Florida $89,505,969 $89,505,969 $87,026,993 $86,297,867 $88,269,849 1.40%
Georgia $22,885,289 $21,730,680 $21,485,853 $21,162,489 $20,968,908 9.14%
Guam $444,688 $586,410 $539,477 $533,330 $616,730 $0
Hawaii $17,760,950 $14,519,862 $14,449,753 $13,544,182 $13,257,720 33.97%
Idaho $9,777,000 $10,209,400 $9,690,600 $9,556,900 $9,028,500 8.29%
Illinois $53,427,400 $49,171,900 $49,522,100 $50,593,000 $50,720,200 5.34%
Indiana $12,357,990 $9,845,970 $9,845,970 $8,969,666 $8,969,666 37.78%
Iowa $16,023,274 $15,771,848 $15,045,763 $14,787,940 $13,307,453 20.41%
Kansas $14,585,012 $14,075,222 $13,434,300 $10,882,769 $10,832,083 34.65%
Kentucky $23,663,550 $22,219,610 $21,496,200 $19,498,200 $18,846,600 25.56%
Louisiana $32,829,836 $31,878,205 $31,113,343 $31,362,259 $30,565,409 7.41%
Maine $11,966,617 $10,546,070 $10,771,610 $10,420,302 $10,323,169 15.92%
Maryland $32,107,796 $32,620,889 $32,468,592 $32,783,205 $32,199,531 -0.28%
Massachusetts $15,309,000 $14,578,000 $14,412,000 $14,611,730 $14,712,080 4.06%
Michigan $36,787,100 $34,984,500 $34,279,000 $34,045,500 $33,182,100 10.86%
Minnesota $18,170,000 $18,455,000 $16,393,000 $17,082,000 $17,229,000 5.46%
Mississippi $12,213,658 $11,893,720 $11,881,431 $15,343,945 $14,873,175 -17.88%
Missouri $16,706,593 $16,626,782 $16,605,564 $16,681,016 $16,092,644 3.82%
Montana $5,881,579 $5,388,005 $5,196,617 $4,938,102 $5,266,721 11.67%
Nebraska $14,515,382 $14,424,684 $15,092,217 $15,553,891 $15,723,101 -7.68%
Nevada $19,148,220 $22,625,741 $13,231,389 $15,743,200 $16,736,508 14.41%
New Hampshire $12,693,814 $12,132,261 $12,025,544 $11,571,554 $11,304,670 12.29%
New Jersey $50,799,000 $50,799,000 $27,803,000 $27,803,000 $27,903,000 82.06%
New Mexico $10,174,300 $10,837,900 $10,291,200 $11,460,700 $11,354,300 -10.39%
New York $159,923,000 $157,852,000 $150,941,000 $147,583,000 $147,583,000 8.36%
North Carolina $51,080,490 $48,887,856 $48,838,212 $40,587,748 $38,652,279 32.15%
North Dakota $4,850,575 $5,364,672 $5,364,672 $5,772,570 $5,772,570 -15.97%
N. Mariana Islands $138,000 $112,000 $112,000 $99,000 - -
Ohio $42,518,154 $39,147,816 $39,084,444 $39,337,235 $37,778,947 12.54%
Oklahoma $20,000,000 $20,000,000 $16,121,447 $15,668,123 $16,000,000 25.00%
Oregon * $12,794,466 $13,661,316 $13,335,387 $13,378,538 -
Pennsylvania $29,975,000 $28,886,000 $27,113,000 $24,850,000 $37,460,000 -19.98%
Puerto Rico $8,351,000 $8,163,000 $8,464,000 $10,896,000 $10,896,000 -23.36%
Rhode Island $6,140,500 $5,690,878 $5,780,270 $5,807,156 $5,768,238 6.45%
South Carolina $17,899,474 $17,899,474 $17,851,064 $17,944,448 $18,877,368 -5.18%
South Dakota $3,426,602 $3,389,422 $3,389,422 $2,952,780 $3,139,340 9.15%
Tennessee $17,000,000 $16,321,600 $15,884,100 $14,976,500 $12,597,800 34.94%
Texas $121,804,367 $122,784,211 $122,150,137 $118,108,880 $126,275,111 -3.54%
U.S. Virgin Islands - - - - - -
Utah $14,953,700 $14,556,100 $14,679,500 $14,679,500 $14,407,700 3.79%
Vermont $9,881,794 $9,658,941 $10,035,914 $9,603,806 $9,940,634 -0.59%
Virginia $29,814,506 $29,814,506 $26,891,075 $27,099,896 $27,036,798 10.27%
Washington $36,512,000 $34,220,145 $30,826,108 $32,455,856 $28,478,438 28.21%
West Virginia $11,000,000 $11,000,000 $11,000,000 $11,646,000 $11,646,000 -5.55%
Wisconsin $19,858,600 $19,385,800 $18,499,700 $18,643,200 $18,612,800 6.69%
Wyoming $3,113,960 $3,113,960 $3,002,675 $3,002,675 $2,845,541 9.43%
Total $1,553,723,043 $1,528,994,791 $1,466,080,514 $1,406,028,000 $1,430,721,325 8.60%
*Budget was not available as of publication of this report.
Percent
2020 2016-20202019
Table 7
Insurance Department Budgets - Fiscal Years 2016-2020
© 2019 National Association of Insurance Commissioners
30 Budget and Funding
State
California $226,042,000 1 $224,724,000 1
New York $159,923,000 2 $157,852,000 2
Texas $121,804,367 3 $122,784,211 3
Florida $89,505,969 4 $89,505,969 4
Illinois $53,427,400 5 $49,171,900 6
North Carolina $51,080,490 6 $48,887,856 7
New Jersey $50,799,000 7 $50,799,000 5
Alabama $44,032,323 8 $41,131,612 8
Ohio $42,518,154 9 $39,147,816 9
Michigan $36,787,100 10 $34,984,500 10
Washington $36,512,000 11 $34,220,145 12
Arizona $34,490,200 12 $34,490,200 11
Louisiana $32,829,836 13 $31,878,205 14
Maryland $32,107,796 14 $32,620,889 13
Pennsylvania $29,975,000 15 $28,886,000 16
Connecticut $29,920,152 16 $27,207,035 17
Virginia $29,814,506 17 $29,814,506 15
Kentucky $23,663,550 18 $22,219,610 19
Georgia $22,885,289 19 $21,730,680 20
Oklahoma $20,000,000 20 $20,000,000 21
Wisconsin $19,858,600 21 $19,385,800 22
Nevada $19,148,220 22 $22,625,741 18
Minnesota $18,170,000 23 $18,455,000 23
South Carolina $17,899,474 24 $17,899,474 24
Hawaii $17,760,950 25 $14,519,862 30
Tennessee $17,000,000 26 $16,321,600 26
Missouri $16,706,593 27 $16,626,782 25
Iowa $16,023,274 28 $15,771,848 27
Massachusetts $15,309,000 29 $14,578,000 28
Colorado $15,000,000 30 $13,495,203 33
Utah $14,953,700 31 $14,556,100 29
Kansas $14,585,012 32 $14,075,222 32
Nebraska $14,515,382 33 $14,424,684 31
Arkansas $14,270,015 34 $13,463,407 34
Dist. of Columbia $13,048,914 35 $12,255,959 36
New Hampshire $12,693,814 36 $12,132,261 37
Indiana $12,357,990 37 $9,845,970 44
Mississippi $12,213,658 38 $11,893,720 38
Maine $11,966,617 39 $10,546,070 41
Delaware $11,664,100 40 $10,477,300 42
West Virginia $11,000,000 41 $11,000,000 39
New Mexico $10,174,300 42 $10,837,900 40
Vermont $9,881,794 43 $9,658,941 45
Idaho $9,777,000 44 $10,209,400 43
Puerto Rico $8,351,000 45 $8,163,000 46
Alaska $7,279,600 46 $7,279,600 47
Rhode Island $6,140,500 47 $5,690,878 48
Montana $5,881,579 48 $5,388,005 49
North Dakota $4,850,575 49 $5,364,672 50
South Dakota $3,426,602 50 $3,389,422 51
Wyoming $3,113,960 51 $3,113,960 52
Guam $444,688 52 $586,410 53
N. Mariana Islands $138,000 53 $112,000 54
American Samoa - - - -
Oregon * - $12,794,466 35
U.S. Virgin Islands - - - -
Total $1,553,723,043 - $1,528,994,791 -
*Budget was not available as of publication of this report.
Table 8
2020 Rank 2019 Rank
States in Descending Order of 2020 Budget
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 31
State
Alabama Combination 81.48% 0.39% 0.00% 18.13% 73.00% 27.00%
Alaska Combination 97.00% 0.00% 0.00% 3.00% 65.00% 35.00%
American Samoa - - - - - - -
Arizona Combination 27.26% 0.00% 15.57% 57.17% 94.97% 5.03%
Arkansas Combination 100.00% 0.00% 0.00% 0.00% 38.00% 62.00%
California Dedicated 96.09% 0.00% 3.72% 0.19% 73.00% 27.00%
Colorado Quasi-dedicated 79.80% 0.00% 1.40% 18.80% 91.60% 8.40%
Connecticut Dedicated 100.00% 0.00% 0.00% 0.00% 75.00% 25.00%
Delaware Dedicated 100.00% 0.00% 0.00% 0.00% 86.45% 13.55%
Dist. of Columbia Combination 100.00% 0.00% 0.00% 0.00% 55.00% 45.00%
Florida Dedicated 85.53% 12.91% 0.00% 1.56% 80.35% 19.65%
Georgia General 20.00% - 73.00% 7.00% 52.00% 48.00%
Guam General 0.00% 0.00% 100.00% 0.00% 30.00% 70.00%
Hawaii Dedicated 82.20% 1.50% 0.00% 16.30% 85.00% 15.00%
Idaho Quasi-dedicated 93.52% 0.00% 0.00% 6.48% 78.94% 21.06%
Illinois Dedicated 98.80% 0.00% 0.00% 1.20% 91.50% 8.50%
Indiana Dedicated 100.00% 0.00% 0.00% 0.00% 75.00% 25.00%
Iowa Quasi-dedicated 49.30% 0.00% 0.00% 50.70% 97.53% 2.47%
Kansas Dedicated 100.00% 0.00% 0.00% 0.00% 74.00% 26.00%
Kentucky Combination 98.00% 1.00% 0.00% 1.00% 89.00% 11.00%
Louisiana Combination 95.57% 2.18% 0.00% 2.25% 71.00% 29.00%
Maine Dedicated 100.00% 0.00% 0.00% 0.00% 80.00% 20.00%
Maryland Dedicated 98.00% 0.00% 0.00% 2.00% 70.00% 30.00%
Massachusetts Combination 100.00% 0.00% 0.00% 0.00% 80.00% 20.00%
Michigan Dedicated 100.00% 0.00% 0.00% 0.00% 95.30% 4.70%
Minnesota Combination 52.00% 0.00% 48.00% 0.00% 90.00% 10.00%
Mississippi General - - 100.00% - 65.00% 35.00%
Missouri Dedicated 92.48% 0.00% 0.00% 7.52% 91.76% 8.24%
Montana Dedicated 100.00% 0.00% 0.00% 0.00% 90.00% 10.00%
Nebraska Dedicated 97.00% - - 3.00% 75.00% 25.00%
Nevada Dedicated 88.34% 2.13% 0.00% 9.53% 63.00% 37.00%
New Hampshire Dedicated 100.00% - - - 77.00% 23.00%
New Jersey Quasi-dedicated 100.00% 0.00% 0.00% 0.00% 88.00% 12.00%
New Mexico Combination 87.00% 0.00% 0.00% 13.00% 87.00% 13.00%
New York Dedicated 100.00% 0.00% 0.00% 0.00% 79.00% 21.00%
North Carolina Dedicated 4.00% 2.00% 94.00% 0.00% 92.00% 8.00%
North Dakota Other 95.00% 2.00% 0.00% 3.00% 90.00% 10.00%
N. Mariana Islands General 0.00% 0.00% 100.00% 0.00% 25.00% 75.00%
Ohio Dedicated 94.34% 1.44% 0.00% 4.22% 70.22% 29.78%
Oklahoma Dedicated 94.00% 0.00% 0.00% 6.00% 72.00% 28.00%
Oregon Dedicated 92.00% 0.00% 0.00% 8.00% 77.00% 23.00%
Pennsylvania Combination 0.86% 0.00% 97.44% 1.70% 86.69% 13.31%
Puerto Rico Dedicated 90.61% 7.45% 0.00% 1.94% 80.00% 20.00%
Rhode Island Combination 12.44% 1.84% 82.15% 3.57% 98.80% 1.20%
South Carolina Combination 70.00% 0.00% 29.00% 1.00% 78.00% 22.00%
South Dakota Quasi-dedicated 0.00% 0.00% 100.00% 0.00% 75.00% 25.00%
Tennessee Other 100.00% 0.00% 0.00% 0.00% 80.00% 20.00%
Texas Dedicated 80.00% 0.00% 0.00% 20.00% 77.00% 23.00%
U.S. Virgin Islands - - - - - - -
Utah Dedicated 90.00% 5.00% 0.00% 5.00% 85.00% 15.00%
Vermont Quasi-dedicated 100.00% 0.00% 0.00% 0.00% 85.00% 15.00%
Virginia Dedicated 100.00% 0.00% 0.00% 0.00% 40.00% 60.00%
Washington Dedicated 95.58% 0.00% 0.00% 4.42% 81.79% 18.21%
West Virginia Dedicated 100.00% 0.00% 0.00% 0.00% 90.00% 10.00%
Wisconsin Combination 100.00% 0.00% 0.00% 0.00% 68.00% 32.00%
Wyoming Dedicated 100.00% 0.00% 0.00% 0.00% 84.00% 16.00%
Average 79.97% 0.80% 16.24% 5.34% 76.72% 23.28%
(Overhead)Funding Type
Fees and
Assessments
Fines and
Penalties OtherFunds Regulation
Funding and Expenses - 2018
Table 9
Admin and
ExpensesFunding Type and Sources
OperationsGeneral
© 2019 National Association of Insurance Commissioners
32 Budget and Funding
State
Alabama Fiscal $429,318,759 $370,029,024 $41,757,189 $226,835 $17,305,711
Alaska Fiscal $70,965,544 $62,892,123 $7,464,845 $564,406 $44,170
American Samoa - $0 - - - -
Arizona Fiscal $600,207,412 $568,387,640 $21,652,669 $749,422 $9,417,681
Arkansas Fiscal $300,013,953 $233,977,302 $47,225,749 $1,202,351 $17,608,551
California Fiscal $2,836,408,308 $2,553,746,242 $270,356,736 $8,614,778 $3,690,552
Colorado Fiscal $318,166,264 $304,516,629 $10,717,864 $409,366 $2,522,405
Connecticut Fiscal $218,232,759 $76,864,157 $139,200,355 $2,168,247 -
Delaware Calendar $151,393,133 $114,631,863 $35,187,450 $1,573,820 $0
Dist. of Columbia Fiscal $138,452,015 $115,290,314 $23,028,754 $132,947 $0
Florida Fiscal $418,443,661 $297,158,119 $73,914,156 $23,685,693 $23,685,693
Georgia Fiscal $1,163,713,278 $505,037,651 $49,318,269 $2,507,413 $606,849,944
Guam - $0 $0 $0 $0 $0
Hawaii Fiscal $172,846,543 $162,317,736 $10,317,827 $141,312 $69,668
Idaho Fiscal $119,133,707 $92,214,489 $26,151,132 $149,456 $618,630
Illinois Fiscal $538,921,617 $452,070,101 $83,879,252 $2,941,299 $30,965
Indiana Fiscal $401,976,337 $231,532,665 $18,828,693 $610,113 $151,004,866
Iowa Fiscal $155,296,371 $121,730,985 $33,179,698 $385,688 $0
Kansas Fiscal $216,338,764 $194,674,879 $21,053,649 $402,596 $207,640
Kentucky Fiscal $369,943,521 $330,099,506 $38,029,334 $1,785,889 $28,792
Louisiana Fiscal $1,006,847,540 $893,997,279 $112,049,490 $239,135 $561,636
Maine Fiscal $94,797,219 $77,506,030 $16,516,198 $774,991 $0
Maryland Fiscal $558,573,096 $525,915,536 $31,254,630 $1,402,930 $0
Massachusetts Fiscal $562,937,372 $381,888,550 $179,610,896 $1,437,926 $0
Michigan Fiscal $673,205,891 $643,816,366 $29,033,693 $355,833 $0
Minnesota Fiscal $526,449,000 $497,721,000 $25,295,000 $3,433,000 $0
Mississippi Fiscal $359,532,469 $330,464,802 $17,921,638 $388,299 $10,757,730
Missouri Fiscal $389,953,699 $369,422,657 $19,292,837 $1,213,411 $24,794
Montana Fiscal $114,212,090 $106,257,434 $7,574,692 $61,071 $318,893
Nebraska Fiscal $110,361,129 $89,350,178 $19,313,667 $107,250 $1,590,034
Nevada Fiscal $46,739,573 $14,159,998 $29,986,601 $721,542 $1,871,432
New Hampshire Fiscal $115,018,648 $96,787,835 $18,009,342 $221,471 $0
New Jersey Fiscal $677,509,898 $591,243,000 $80,193,072 $6,073,826 -
New Mexico Fiscal $370,043,730 $337,828,442 $31,423,143 $765,714 $26,431
New York Fiscal $2,464,485,000 $1,747,377,000 $701,800,000 $15,308,000 $0
North Carolina Fiscal $621,370,544 $566,105,324 $54,463,032 $802,188 $0
North Dakota Fiscal $72,016,935 $62,776,024 $8,329,614 $624,311 $286,986
N. Mariana Islands Calendar $32,364 $0 $185 $529 $31,650
Ohio Fiscal $670,029,022 $615,393,886 $51,543,523 $789,238 $2,302,375
Oklahoma Fiscal $351,520,859 $310,143,520 $39,448,262 $814,206 $1,114,871
Oregon Calendar $182,648,574 $76,705,693 $101,059,273 $1,206,462 $3,677,146
Pennsylvania Fiscal $892,528,883 $821,889,430 $67,050,048 $1,813,413 $1,775,992
Puerto Rico Fiscal $71,939,996 $60,183,768 $10,897,688 $653,611 $204,929
Rhode Island Fiscal $86,628,856 $49,522,113 $2,507,411 $370,737 $34,228,595
South Carolina Fiscal $246,498,921 $217,083,212 $28,747,523 $540,424 $127,762
South Dakota Fiscal $103,034,081 $90,507,636 $12,256,731 $253,784 $15,930
Tennessee Fiscal $965,214,065 $950,250,491 $13,802,088 $1,161,486 $0
Texas Fiscal 2,692,408,013 $2,356,335,353 $269,073,374 $55,009,983 $11,989,303
U.S. Virgin Islands - $0 - - - -
Utah Fiscal $177,225,600 $161,576,700 $14,841,900 $251,200 $555,800
Vermont Fiscal $79,954,670 $59,130,911 $20,610,860 $212,899 $0
Virginia Fiscal $583,919,733 $505,964,146 $76,606,725 $1,348,862 $0
Washington Fiscal $681,555,400 $630,656,888 $45,847,470 $3,760,596 $1,290,446
West Virginia Fiscal $246,287,000 $170,180,000 $37,057,000 $595,000 $38,455,000
Wisconsin Fiscal $251,172,000 $207,820,600 $42,974,400 $249,800 $127,200
Wyoming Calendar $39,793,579 $20,045,010 $3,167,457 $178,876 $16,402,236
Total $25,706,217,395 $21,423,178,237 $3,170,823,084 $151,393,635 $960,822,439
Percent of Total - 83.34% 12.33% 0.59% 3.74%
Revenues - 2018
Table 10
Calendar/
Fiscal Year
Total
Revenues
Fees and Fines and Other
Total Taxes Assessments Penalties Revenue
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 33
Examination and Oversight
Number of Insurers Insurance departments are responsible for monitoring
many different types of entities, including traditional insurance companies and non-traditional risk financiers. It should be noted, however, that the regulation of health maintenance organizations (HMOs) is not charged to the state insurance departments for all jurisdictions.
Insurers are traditionally classified as domestic, foreign, or alien. However, other non-traditional types of companies require regulatory resources.
Domestic Insurer: An insurance company domiciledin the state in which the business is written.
Foreign Insurer: An insurance company whose stateof domicile is other than the state in which thecompany is writing business.
Alien Insurer: An insurance company that isincorporated according to the requirements of acountry other than the United States.
Purchasing Group: A collection of individuals whoband together to purchase group insurance.Members usually have something in common, suchas belonging to a particular company, union, ortrade association.
Risk Retention Group: An insurance company thatprovides liability insurance to its member-owners.
Many captive insurers only report premium to their domiciliary state, and it can be difficult, if not impossible, for non-domiciliary states to provide allocations of premium written within their state. Therefore, because of the way captive insurers are regulated and their unique reporting requirements, captive insurers are no longer being reported in the IDRR – Volume One with other domestic insurers.
Company Examinations Insurance regulators are responsible for monitoring the
solvency of all insurers doing business in their respective states. However, with the number of companies licensed to do business in each state, as well as the multi-state nature of many insurance enterprises, it is inefficient for regulators to focus equal attention on all insurers. Typically, state insurance regulators focus primarily on those insurance companies domiciled in their respective states.
The task of monitoring non-domiciliary companies (foreign and alien companies) is generally delegated to the domiciliary state’s regulator. This results in each state placing heavy reliance on the quality and efficiency of its fellow state insurance regulators. The members of the NAIC have instituted an accreditation program to ensure that minimum standards of conduct are being followed by each state. In fact, 98% of financial exams completed in 2018 were conducted on domestic insurers. The ability to rely on their counterparts across the country allows state insurance regulators to more efficiently use their limited resources to protect insurance consumers. This also saves money for insurers, because they are not subject to redundant examinations.
To monitor solvency and evaluate market conduct, insurance companies are examined by the state insurance departments. Generally, companies are examined every three to five years. Special circumstances might warrant more frequent examinations of a specific company. Additionally, desk audits and solvency monitoring systems aid regulators in targeting companies for special attention.
Company examinations are either “single-state” or “multi-state” exams. Single-state exams are conducted by and reports are filed with one particular state or territory. Multi-state exams are generally performed on companies doing a significant amount of business in more than one state. These exams are called by the company’s domiciliary state, and other states are given the opportunity to participate. Examination reports resulting from such an exam are filed and may be accepted by each participating state.
Financial examinations investigate a company’s accounting methods, procedures and financial statement presentation. These exams verify and validate what is presented in the annual financial statement to ascertain whether the company is in good financial standing. The main thrust of these exams is the verification of the company’s solvency and whether the company has complied with state laws and regulations. Major improvements have been made in the examination process through increased examiner training, the use of specialized computer audit software, and enhancements to the Financial Condition Examiners Handbook.
Market conduct exams review agent licensing issues, complaints, types of products sold by the company and/or agents, agent sales practices, rating practices, claims handling, and other market-related aspects of an insurer’s operation.
© 2019 National Association of Insurance Commissioners
34 Examination and Oversight
Statutory exams occur on a scheduled basis and cover every aspect related to the financial status or market conduct of the company. Discretionary exams are conducted when deemed necessary by a state insurance regulator. The exam may focus only on a specific area of concern, such as a company’s investment portfolio or reinsurance agreements, or could be a complete financial or market conduct examination.
In the tables that follow, the state totals reflect the number of examinations in which the insurance department was the lead state. The total number of exams in each category is broken down into examinations of domestic or foreign companies and between statutory and discretionary examinations.
Supervisions, Receiverships, and Companies in Run-Off
One of the responsibilities of a state insurance commissioner is to take control of an insurance company when an examination of its financial records or other evidence shows the company to be financially impaired. The commissioner then operates the company in the best interest of the policyholders and other creditors.
If the commissioner believes the company may be saved, the company is placed in rehabilitation by court order. In rehabilitation, the company is reorganized and may be allowed to continue or resume writing new business when it is once again financially sound. However, if it is not possible to restore the company’s financial health, the commissioner will normally decide to liquidate the company. In liquidation, once the company’s assets are sold and the payment of outstanding claims has been handled (property/casualty) or the business has been assumed by a solvent company (life/health), the company’s estate is closed. The corporate existence may be dissolved at any time after the entry of a liquidation order.
Occasionally, a company voluntarily decides to close its doors. In such cases, the company stops writing new business and stops renewing old business, but it is still responsible for claims associated with in-force and previously written policies. During this time, the company is said to be in run-off. Only after the last claim has been settled, paid, reinsured, or otherwise provided for is the company allowed to cease all operations.
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 35
Figure 5
Number of Domestic Insurers 2010-2018
Figure 6
Number of Domestic Insurers in 2018
2010 2011 2012 2013 2014 2015 2016 2017 2018
Insurers by Year 6,313 6,296 6,115 6,086 6,118 5,926 5,977 5,954 5,965
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
8,000
Nu
mb
er
of
Co
mp
an
ies
© 2019 National Association of Insurance Commissioners
36 Examination and Oversight
State
Alabama 40 1,439 0 12
Alaska 5 756 0 0
American Samoa 5 29 0 0
Arizona 120 1,597 24 24
Arkansas 56 1,495 0 1
California 133 1,116 0 45
Colorado 47 1,468 9 41
Connecticut 102 1,237 0 26
Delaware 140 1,339 0 113
Dist. of Columbia 50 1,341 0 13
Florida 432 1,647 14 49
Georgia 92 1,604 23 0
Guam 9 150 0 0
Hawaii 47 1,083 10 3
Idaho 19 1,373 14 2
Illinois 341 1,409 12 160
Indiana 140 1,633 16 20
Iowa 222 1,391 3 0
Kansas 47 1,517 17 13
Kentucky 51 1,507 10 11
Louisiana 105 1,483 22 5
Maine 22 1,169 18 1
Maryland 58 1,474 5 13
Massachusetts 80 1,330 25 4
Michigan 123 1,369 15 11
Minnesota 150 1,363 18 22
Mississippi 43 1,535 0 3
Missouri 181 1,528 11 9
Montana 39 1,391 0 5
Nebraska 104 1,459 6 5
Nevada 45 1,549 8 5
New Hampshire 57 1,149 0 3
New Jersey 119 1,311 50 21
New Mexico* 35 3,356 5 0
New York 577 1,170 9 81
North Carolina 85 1,452 3 4
North Dakota 30 1,351 8 2
N. Mariana Islands 10 51 0 0
Ohio 257 1,504 0 24
Oklahoma 79 1,498 5 6
Oregon 48 1,455 0 6
Pennsylvania 251 1,578 14 30
Puerto Rico 65 234 0 0
Rhode Island 31 1,304 1 24
South Carolina 72 1,595 0 10
South Dakota 38 1,385 0 0
Tennessee 72 1,566 3 6
Texas 410 1,576 6 52
U.S. Virgin Islands 7 139 0 0
Utah 103 1,743 0 10
Vermont 109 1,133 0 8
Virginia 62 1,526 15 17
Washington 34 1,290 0 7
West Virginia 29 1,363 1 2
Wisconsin 332 1,580 0 8
Wyoming 5 1,391 0 1
Total 5,965 74,481 400 938
Average 107 1,330 7 17
*New Mexico had 1,323 foreign insurers. The 3,356 were licensed foreign insurer lines of business totaled from Table 13. See technical notes.
Number of Regulated Entities - 2018
Table 11
Domestic Insurers
Licensed Foreign
Insurers
Domiciled Self-Insured Domiciled Purchasing
Groups or Pools Groups
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 37
State
Alabama 7 19 5 1 1 2 5
Alaska 0 4 0 0 0 0 1
American Samoa - 5 - - - - -
Arizona 25 40 31 0 1 11 12
Arkansas 24 12 8 0 1 0 11
California 14 99 - 2 4 0 14
Colorado 10 10 20 2 3 2 0
Connecticut 26 64 10 1 0 1 0
Delaware 25 100 6 2 0 3 4
Dist. of Columbia 0 7 6 0 0 37 0
Florida 9 116 68 0 5 0 234
Georgia 13 23 21 0 0 0 35
Guam 1 6 2 - - - 0
Hawaii 4 16 7 0 0 16 4
Idaho 1 10 7 0 0 0 1
Illinois 51 195 30 12 0 1 52
Indiana 26 61 12 2 3 0 36
Iowa 42 74 16 1 0 0 89
Kansas 11 25 7 0 0 0 4
Kentucky 6 8 18 0 0 3 16
Louisiana 30 34 14 2 2 0 23
Maine 3 12 6 0 0 1 0
Maryland 4 29 24 0 1 0 0
Massachusetts 16 48 13 2 1 0 0
Michigan 21 65 31 2 0 0 4
Minnesota 8 39 20 2 0 0 81
Mississippi 14 15 8 1 2 0 3
Missouri 28 44 23 1 1 0 84
Montana 1 13 5 - - 9 11
Nebraska 34 36 10 1 1 0 22
Nevada 0 11 17 0 0 14 3
New Hampshire 1 48 8 0 0 0 0
New Jersey 3 65 48 2 1 0 0
New Mexico 0 19 14 0 0 0 2
New York 82 171 54 4 7 0 259
North Carolina 10 53 11 0 1 10 0
North Dakota 3 11 3 0 0 0 13
N. Mariana Islands 0 10 0 0 0 0 0
Ohio 38 145 30 9 3 0 32
Oklahoma 24 31 13 0 4 2 5
Oregon 3 17 25 0 0 0 3
Pennsylvania 22 163 46 19 1 0 0
Puerto Rico 13 19 16 0 0 0 17
Rhode Island 2 24 4 0 0 0 1
South Carolina 6 20 12 0 2 32 0
South Dakota 2 15 7 0 1 0 13
Tennessee 10 15 15 1 1 9 21
Texas 123 200 60 6 10 1 10
U.S. Virgin Islands 0 6 1 - - - -
Utah 17 10 16 0 0 0 60
Vermont 1 12 4 0 1 85 6
Virginia 3 19 19 0 1 0 20
Washington 6 6 18 2 1 0 1
West Virginia 1 19 9 0 0 0 0
Wisconsin 17 167 50 5 0 0 93
Wyoming 0 2 3 0 0 0 0
Total 841 2,507 931 82 60 239 1,305
Annuities
Table 12
Number of Domestic Insurers by Type - 2018
Property/
Risk
Life/ Retention
Casualty Health Fraternal Group OtherTitle
© 2019 National Association of Insurance Commissioners
38 Examination and Oversight
StateAlabama 437 871 8 10 24 88 1Alaska 289 401 19 6 5 29 7American Samoa 12 16 - 1 - - -Arizona 450 951 35 31 26 102 2Arkansas 475 893 9 15 21 79 3California 401 664 - 36 15 0 0Colorado 443 872 5 34 18 96 0Connecticut 355 744 0 35 18 85 0Delaware 418 783 10 21 21 86 0Dist. of Columbia 434 788 11 23 23 62 0Florida 385 927 41 37 19 107 131Georgia 462 991 0 17 24 110 0Guam 57 62 2 1 4 1 23Hawaii 365 612 25 7 15 59 0Idaho 415 815 19 15 14 81 14Illinois 435 862 22 37 0 0 53Indiana 456 963 22 42 26 104 20Iowa 361 863 53 29 0 85 0Kansas 453 915 15 30 18 77 9Kentucky 417 906 55 20 22 87 0Louisiana 427 832 46 20 21 85 52Maine 345 714 4 12 17 77 0Maryland 389 882 61 31 24 87 0Massachusetts 370 706 2 26 17 117 92Michigan 416 791 1 48 18 95 0Minnesota 384 823 31 32 20 73 0Mississippi 469 919 7 14 20 75 31Missouri 462 907 23 28 20 88 0Montana 444 830 6 24 17 70 -Nebraska 442 882 8 29 18 76 4Nevada 449 911 15 15 24 85 50New Hampshire 326 687 30 16 15 75 0New Jersey 365 775 5 36 21 109 0New Mexico* 437 * * 13 22 80 0New York 50 708 16 30 16 121 229North Carolina 441 868 8 20 22 93 0North Dakota 437 797 5 19 18 66 9N. Mariana Islands 16 33 2 0 0 0 0Ohio 442 855 12 41 24 113 17Oklahoma 461 884 8 20 21 93 11Oregon 433 856 10 21 14 95 26Pennsylvania 441 934 3 35 25 140 0Puerto Rico 96 132 0 1 5 0 0Rhode Island 377 744 7 26 15 81 54South Carolina 414 1,019 41 20 21 80 0South Dakota 404 831 43 20 16 71 0Tennessee 462 949 6 19 24 106 0Texas 454 946 9 29 18 119 1U.S. Virgin Islands 71 59 4 1 4 - -Utah 445 900 2 16 22 77 281Vermont 315 687 26 14 12 42 37Virginia 398 913 61 23 21 110 0Washington 414 719 22 21 15 98 1West Virginia 434 800 6 28 18 77 0Wisconsin 365 823 39 36 19 0 298Wyoming 405 704 1 14 15 71 181Average** 375 759 17 22 17 77 31*New Mexico reported 1,637 foreign licensed P/C insurers and 1,167 foreign licensed health insurers. See technical notes.**Average does not include New Mexico foreign P/C or Health insurer counts.
Title Group OtherAnnuities Casualty Health Fraternal
Table 13
Number of Licensed Foreign Insurers by Type - 2018
Life/ RetentionProperty/Risk
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 39
State
Alabama 13 12 0 25
Alaska 3 0 3 6
American Samoa 0 0 0 0
Arizona 20 1 0 21
Arkansas 0 0 8 8
California 26 81 0 107
Colorado 9 5 0 14
Connecticut 12 50 0 62
Delaware 49 14 0 63
Dist. of Columbia 11 0 0 11
Florida 31 27 1 59
Georgia 12 0 0 12
Guam 4 4 0 8
Hawaii 3 0 0 3
Idaho 5 2 0 7
Illinois 91 28 0 119
Indiana 31 0 0 31
Iowa 17 21 0 38
Kansas 3 2 0 5
Kentucky 21 13 0 34
Louisiana 16 0 0 16
Maine 4 2 0 6
Maryland 13 14 0 27
Massachusetts 8 121 0 129
Michigan 45 5 0 50
Minnesota 22 3 0 25
Mississippi 1 2 6 9
Missouri 28 20 0 48
Montana 4 6 0 10
Nebraska 23 3 0 26
Nevada 8 0 0 8
New Hampshire 11 7 0 18
New Jersey 16 5 0 21
New Mexico 36 27 0 63
New York 69 17 23 109
North Carolina 12 10 0 22
North Dakota 6 1 0 7
N. Mariana Islands 0 0 0 0
Ohio 66 11 0 77
Oklahoma 15 15 0 30
Oregon 5 1 0 6
Pennsylvania 113 6 0 119
Puerto Rico 0 15 0 15
Rhode Island 2 1 0 3
South Carolina 11 0 0 11
South Dakota 15 1 0 16
Tennessee 18 0 14 32
Texas 0 24 94 118
U.S. Virgin Islands 0 0 0 0
Utah 7 4 1 12
Vermont 16 1 0 17
Virginia 24 12 0 36
Washington 14 0 0 14
West Virginia 8 4 0 12
Wisconsin 38 0 0 38
Wyoming 0 0 0 0
Total 1,035 598 150 1,783
Completed
Financial and Market Conduct Exams Completed - 2018
Table 14
Financial Exams
Only
Market Conduct Combined Financial/ Total Exams
Exams Only Market Conduct Exams
© 2019 National Association of Insurance Commissioners
40 Examination and Oversight
State
Alabama 13 13 0 13 0
Alaska 3 2 1 2 1
American Samoa 0 - - - -
Arizona 20 20 0 20 0
Arkansas 0 0 0 0 0
California 26 25 1 25 1
Colorado 9 9 0 9 0
Connecticut 12 12 0 12 0
Delaware 49 49 0 33 16
Dist. of Columbia 11 11 0 11 0
Florida 31 31 - 22 9
Georgia 12 12 0 9 3
Guam 4 4 0 4 -
Hawaii 3 3 0 3 0
Idaho 5 5 0 5 0
Illinois 91 91 0 84 7
Indiana 31 31 0 31 0
Iowa 17 17 0 17 0
Kansas 3 3 0 3 0
Kentucky 21 21 0 21 0
Louisiana 16 16 0 15 1
Maine 4 4 0 4 0
Maryland 13 13 0 13 0
Massachusetts 8 8 0 8 0
Michigan 45 45 0 45 0
Minnesota 22 22 0 22 0
Mississippi 1 1 0 1 0
Missouri 28 28 0 28 0
Montana 4 4 0 4 0
Nebraska 23 23 0 23 0
Nevada 8 8 0 7 1
New Hampshire 11 11 0 11 0
New Jersey 16 16 0 16 0
New Mexico 36 17 19 5 31
New York 69 69 0 69 0
North Carolina 12 12 0 12 0
North Dakota 6 6 0 6 0
N. Mariana Islands 0 0 0 0 0
Ohio 66 66 0 62 4
Oklahoma 15 15 0 15 0
Oregon 5 5 0 5 0
Pennsylvania 113 113 0 111 2
Puerto Rico 0 0 0 0 0
Rhode Island 2 2 0 2 0
South Carolina 11 11 0 11 0
South Dakota 15 15 0 15 0
Tennessee 18 18 0 16 2
Texas 0 0 0 0 0
U.S. Virgin Islands 0 - - - -
Utah 7 7 0 7 0
Vermont 16 16 0 16 0
Virginia 24 24 0 24 0
Washington 14 14 0 14 0
West Virginia 8 8 0 8 0
Wisconsin 38 38 0 38 0
Wyoming 0 0 0 0 0
Total 1,035 1,014 21 957 78
Table 15
Financial Exams - 2018
Total
Completed Domestic Foreign Statutory Discretionary
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 41
Exams EntitiesState Complete Include Domestic Foreign OtherAlabama 12 13 12 0 0 12 0Alaska 0 0 0 0 0 0 0American Samoa 0 - - - - - -Arizona 1 1 0 1 0 0 1Arkansas 0 0 0 0 - 0 0California 81 136 9 66 6 77 4Colorado 5 5 0 5 0 0 5Connecticut 50 7 4 46 - 0 50Delaware 14 - 2 12 0 0 14Dist. of Columbia 0 0 0 0 0 0 0Florida 27 29 2 25 0 1 26Georgia 0 4 - - - - -Guam 4 4 4 0 - 4 -Hawaii 0 0 0 0 - 0 0Idaho 2 2 - 2 - - 2Illinois 28 39 10 18 - 0 28Indiana 0 0 0 0 0 0 0Iowa 21 - 18 3 0 0 21Kansas 2 6 0 2 0 0 2Kentucky 13 13 6 7 - 0 13Louisiana 0 0 0 0 0 0 0Maine 2 3 0 2 - 2 0Maryland 14 23 0 14 0 0 14Massachusetts 121 121 23 98 - 8 113Michigan 5 5 3 2 - 0 5Minnesota 3 17 0 3 - 0 3Mississippi 2 2 1 1 - - 2Missouri 20 20 2 18 0 0 20Montana 6 6 6 - - 6 -Nebraska 3 3 2 1 0 2 1Nevada 0 0 0 0 - 0 0New Hampshire 7 0 1 6 0 0 7New Jersey 5 - 1 4 - 0 5New Mexico 27 27 8 19 - 0 27New York 17 23 16 1 0 16 1North Carolina 10 14 2 8 0 0 10North Dakota 1 1 0 1 0 0 1N. Mariana Islands 0 0 0 0 0 0 0Ohio 11 12 4 7 - 0 11Oklahoma 15 23 0 10 5 0 15Oregon 1 1 1 0 0 0 1Pennsylvania 6 6 0 6 0 0 6Puerto Rico 15 15 15 0 0 0 15Rhode Island 1 1 0 1 - 0 1South Carolina 0 0 0 0 0 0 0South Dakota 1 1 0 1 - 0 1Tennessee 0 - 0 0 - 0 0Texas 24 24 14 10 - 0 24U.S. Virgin Islands 0 - - - - - -Utah 4 4 3 1 0 0 4Vermont 1 1 0 1 0 0 1Virginia 12 29 1 11 - 0 12Washington 0 0 0 0 0 0 0West Virginia 4 4 1 3 - 1 3Wisconsin 0 - 0 0 - 0 0Wyoming 0 - 0 0 - 0 0Total 598 645 171 416 11 129 469
Table 16
Market Conduct Exams - 2018
Statutory Discretionary
© 2019 National Association of Insurance Commissioners
42 Examination and Oversight
State Domestic Foreign OtherAlabama 0 0 0 0 0 0Alaska 3 0 3 0 0 3American Samoa 0 - - - - -Arizona 0 0 0 0 0 0Arkansas 8 8 0 0 8 0California 0 0 0 0 0 0Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0Dist. of Columbia 0 0 0 0 0 0Florida 1 1 0 0 1 0Georgia 0 0 0 0 0 0Guam 0 - - - - -Hawaii 0 0 0 0 0 0Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 0 0 0 0 0 0Kentucky 0 0 0 0 0 0Louisiana 0 - - - - -Maine 0 0 0 0 0 0Maryland 0 0 0 0 0 0Massachusetts 0 0 0 0 0 0Michigan 0 0 0 0 0 0Minnesota 0 0 0 0 0 0Mississippi 6 6 - - 6 -Missouri 0 0 0 0 0 0Montana 0 - - - - -Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 0 0 0 0 0 0New Jersey 0 0 0 0 0 0New Mexico 0 0 0 0 0 0New York 23 23 0 0 23 0North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0N. Mariana Islands 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 0 0 0 0 0 0Puerto Rico 0 0 0 0 0 0Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 14 14 0 0 14 0Texas 94 94 0 0 94 0U.S. Virgin Islands 0 - - - - -Utah 1 1 0 0 0 1Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 0 0 0 0 0 0West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Total 150 147 3 0 146 4
Table 17
Combined Financial/Market Conduct Exams - 2018
TotalCompleted Statutory Discretionary
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 43
Market Actions
State
Alabama - - - -
Alaska 13 0 13 6
American Samoa - - - -
Arizona 10 0 10 13
Arkansas - - - -
California 0 0 0 0
Colorado 63 0 63 63
Connecticut 7 0 7 7
Delaware - - - -
Dist. of Columbia 0 0 0 0
Florida 354 0 354 354
Georgia 5 2 3 38
Guam - - - -
Hawaii 0 0 0 0
Idaho 12 0 12 12
Illinois - - - -
Indiana - - - -
Iowa - - - -
Kansas 21 0 21 21
Kentucky 1 - 1 0
Louisiana 38 0 38 38
Maine 2 0 2 2
Maryland 226 0 226 321
Massachusetts 0 0 0 0
Michigan 12 0 12 15
Minnesota 0 0 0 0
Mississippi - - - -
Missouri 73 0 73 75
Montana 4 4 - 4
Nebraska 3 0 3 4
Nevada - - - -
New Hampshire 0 0 0 0
New Jersey - - - -
New Mexico 0 0 0 0
New York 7 0 7 11
North Carolina 161 0 161 129
North Dakota 25 0 25 26
N. Mariana Islands 0 0 0 0
Ohio 5 - 5 16
Oklahoma 2 0 2 39
Oregon 4 0 4 200
Pennsylvania 2 0 2 36
Puerto Rico 45 45 0 9
Rhode Island - - - -
South Carolina 0 0 0 0
South Dakota 137 0 137 140
Tennessee - - - -
Texas 100 94 6 100
U.S. Virgin Islands - - - -
Utah 5 0 5 5
Vermont 8 0 8 2
Virginia 16 0 16 34
Washington 65 0 65 59
West Virginia - - - -
Wisconsin 1 0 1 418
Wyoming 0 - - 0
Total 1,427 145 1,282 2,197
Table 18
Market Actions - 2018
Actions Including Focused Inquiries
Entities Included in Closed Market
Total Statutory Discretionary and Regulatory Interventions
© 2019 National Association of Insurance Commissioners
44 Examination and Oversight
State
Alabama 5 0 0 16 0 0 0
Alaska 0 0 0 0 0 0 0
American Samoa - - - - - - -
Arizona 2 0 0 1 1 0 0
Arkansas 9 0 0 0 28 0 0
California 0 0 0 0 0 0 0
Colorado 0 0 0 0 0 0 0
Connecticut 1 0 0 0 39 0 0
Delaware 0 0 0 0 14 0 0
Dist. of Columbia 1 0 0 0 0 0 0
Florida 0 1 1 1 0 0 354
Georgia 0 0 0 0 0 0 14
Guam - - - - - - -
Hawaii 0 2 0 0 0 0 0
Idaho 6 0 0 7 13 0 2
Illinois 3 1 0 0 25 0 0
Indiana 0 0 0 3 0 0 0
Iowa 1 0 0 0 0 0 0
Kansas 0 0 0 5 0 0 3
Kentucky 19 0 0 0 11 0 0
Louisiana 1 9 0 27 0 0 0
Maine 0 0 0 0 2 0 0
Maryland 0 0 1 0 16 0 0
Massachusetts 0 0 0 0 1 0 0
Michigan 0 2 0 0 517 0 9
Minnesota 0 0 0 1 3 0 0
Mississippi 1 - - - - - -
Missouri 0 0 0 0 68 0 25
Montana 0 0 0 0 4 - -
Nebraska 0 0 1 0 3 - -
Nevada 0 3 0 159 0 1 0
New Hampshire 0 0 0 0 0 0 0
New Jersey 0 0 0 0 1 0 0
New Mexico 0 0 0 0 7 0 0
New York 0 0 0 0 32 0 123
North Carolina 0 0 1 3 1 0 0
North Dakota 1 1 0 0 4 0 4
N. Mariana Islands 0 0 0 0 0 0 0
Ohio 2 0 0 4 0 0 0
Oklahoma 2 0 0 0 0 0 0
Oregon 3 0 0 0 0 0 0
Pennsylvania 0 0 1 4 0 0 0
Puerto Rico 0 0 1 0 75 0 30
Rhode Island 0 0 0 0 5 0 8
South Carolina 1 0 0 0 16 0 0
South Dakota 26 0 0 0 25 0 58
Tennessee 2 0 2 4 2 0 0
Texas - - 2 - 191 - 34
U.S. Virgin Islands - - - - - - -
Utah 0 0 0 0 26 0 52
Vermont 0 0 0 0 1 0 0
Virginia 3 0 0 0 22 8 3
Washington 4 4 0 0 46 0 0
West Virginia 0 1 0 0 39 0 174
Wisconsin 0 0 0 34 30 0 0
Wyoming 6 0 0 0 0 0 23
Total 99 24 10 269 1,268 9 916
Certificate of Authority
Suspended Revoked
Delinquency
Order
Table 19
Actions Taken Against Companies in 2018Financial/Regulatory Market Conduct
Other Other
Administrative
Order
Judicial
Order
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 45
State
Alabama 0 0 1 0 2
Alaska 0 0 0 0 0
American Samoa - - - - -
Arizona 0 0 0 0 1
Arkansas 0 0 0 0 0
California 0 0 0 0 0
Colorado 0 0 0 0 0
Connecticut 0 3 41 0 1
Delaware 0 8 1 0 207
Dist. of Columbia 0 0 2 0 1
Florida 0 1 0 0 0
Georgia - - - - -
Guam - - - - -
Hawaii 0 0 0 0 0
Idaho 0 0 0 0 0
Illinois 0 0 0 0 18
Indiana 0 5 0 0 42
Iowa 0 3 1 0 0
Kansas 1 0 0 0 0
Kentucky 0 0 0 0 0
Louisiana 0 0 0 1 0
Maine 0 1 0 0 36
Maryland 0 0 6 0 0
Massachusetts 0 0 1 0 16
Michigan 0 0 0 0 7
Minnesota 0 0 0 0 0
Mississippi - - - - -
Missouri 0 5 2 0 0
Montana 3 2 - - 6
Nebraska 0 5 2 0 0
Nevada 0 0 0 0 28
New Hampshire 0 0 0 0 0
New Jersey 0 10 0 0 0
New Mexico 0 0 0 0 0
New York 0 0 0 0 6
North Carolina 0 0 0 0 30
North Dakota 0 2 0 0 0
N. Mariana Islands 0 0 0 0 0
Ohio 0 0 0 0 0
Oklahoma 1 6 0 0 12
Oregon 0 1 14 0 0
Pennsylvania 0 0 0 0 45
Puerto Rico 47 1 0 1 0
Rhode Island 1 0 0 0 2
South Carolina 0 0 0 0 0
South Dakota 0 3 0 0 0
Tennessee 0 2 0 0 0
Texas - - - - 34
U.S. Virgin Islands - - - - -
Utah 0 0 0 0 12
Vermont 0 0 0 0 0
Virginia 0 0 3 0 0
Washington 1 3 0 0 4
West Virginia 3 0 0 0 0
Wisconsin 0 6 - 0 0
Wyoming 0 0 0 0 1
Total 57 67 74 2 511
Holding Company Rate Reports Other
Table 20
Formal Hearings - 2018
Company
Disciplinary
Acquisition and Examination
© 2019 National Association of Insurance Commissioners
46 Examination and Oversight
State
Alabama 0 0 0 $0
Alaska 0 0 0 -
American Samoa - - - -
Arizona 0 0 0 $0
Arkansas 0 0 0 $0
California 0 0 0 $0
Colorado 0 0 0 $0
Connecticut 0 0 1 $16,919,673
Delaware 0 1 6 $992,000,000
Dist. of Columbia 0 0 0 $0
Florida 0 2 6 $4,980,439
Georgia 0 0 0 $0
Guam - - - -
Hawaii 0 0 0 $0
Idaho 0 0 0 -
Illinois 0 0 0 $0
Indiana 0 1 7 $3,749,847,613
Iowa - - - -
Kansas 0 0 0 $0
Kentucky 0 0 1 $0
Louisiana 0 0 0 $0
Maine - - 1 $1,970,963
Maryland 0 0 1 $175,254,373
Massachusetts 0 0 0 $0
Michigan 0 2 0 $0
Minnesota 0 0 0 $0
Mississippi 0 0 0 $0
Missouri 0 0 0 $0
Montana 0 0 4 $0
Nebraska - - - -
Nevada 2 0 4 $91,000,000
New Hampshire - - - $0
New Jersey - - - -
New Mexico 0 0 0 $0
New York 0 0 0 $0
North Carolina 0 0 0 $0
North Dakota 0 0 0 $0
N. Mariana Islands 0 0 0 $0
Ohio 1 0 8 $2,157,092,000
Oklahoma 0 0 0 $0
Oregon 2 - 3 $4,532,671
Pennsylvania 0 2 10 $4,627,231,626
Puerto Rico 0 0 0 $0
Rhode Island - - 2 $4,205,756
South Carolina 0 0 0 $0
South Dakota 0 0 0 $0
Tennessee 1 0 1 -
Texas 0 0 0 $0
U.S. Virgin Islands - - - -
Utah 0 0 0 $0
Vermont 1 3 5 $22,542,316
Virginia 0 0 0 $0
Washington 0 0 0 $0
West Virginia 0 0 0 $0
Wisconsin 0 0 3 $1,893,683,760
Wyoming 0 0 0 $0
Total 7 11 63 $13,741,261,190
*As run-offs may also have supervision, rehabilitation, or conservation status, additional run-offs could exist in the other categories.
Table 21A
Supervisions, Receiverships and Companies in Run-Off - 2018Companies in Run-Off*
Initiated Completed In Progress
In Progress
Claims Liability
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 47
State
Alabama 0 0 0 $0
Alaska 0 0 0 -
American Samoa - - - -
Arizona 0 0 0 $0
Arkansas 0 0 0 $0
California 0 0 0 $0
Colorado 0 1 0 $0
Connecticut 1 0 1 $0
Delaware 1 0 1 $786,000,000
Dist. of Columbia 0 0 0 $0
Florida 1 1 1 $5,530,235
Georgia 0 0 0 $0
Guam - - - -
Hawaii 0 0 0 $0
Idaho 0 0 0 -
Illinois 0 0 0 $0
Indiana 0 1 0 $0
Iowa - - - -
Kansas 0 0 0 $0
Kentucky 0 0 0 $0
Louisiana 4 1 4 $80,000
Maine - - 1 -
Maryland 0 0 0 $0
Massachusetts 0 0 0 $0
Michigan 0 1 0 $0
Minnesota 0 0 1 $40,469,192
Mississippi 0 0 1 $0
Missouri 0 0 0 $0
Montana 0 0 0 $0
Nebraska 1 - 1 $98,000
Nevada 0 0 0 $0
New Hampshire - - - $0
New Jersey - 1 2 $167,997,197
New Mexico 1 0 1 $0
New York 0 0 0 $0
North Carolina 3 1 3 $3,151,993,250
North Dakota 0 0 0 $0
N. Mariana Islands 0 0 0 $0
Ohio 0 0 0 $0
Oklahoma 1 0 1 $4,653,428
Oregon - - 1 $210,634
Pennsylvania 0 0 2 $790,365,679
Puerto Rico 0 0 0 $0
Rhode Island - - - -
South Carolina 0 0 0 $0
South Dakota 0 0 0 $0
Tennessee 1 0 3 $0
Texas 4 2 2 $13,596,633
U.S. Virgin Islands - - - -
Utah 0 0 0 $0
Vermont 0 0 0 $0
Virginia 0 0 0 $0
Washington 0 0 2 $0
West Virginia 0 0 0 $0
Wisconsin 0 0 0 $0
Wyoming 0 0 0 $0
Total 18 9 28 $4,960,994,248
Initiated Completed In Progress Claims Liability
Table 21B
Supervisions, Receiverships and Companies in Run-Off - 2018Supervisions
In Progress
© 2019 National Association of Insurance Commissioners
48 Examination and Oversight
State
Alabama 0 0 0 $0
Alaska 0 0 0 -
American Samoa - - - -
Arizona 0 0 0 $0
Arkansas 0 0 0 $0
California 0 0 1 $1,544,891
Colorado 0 0 0 $0
Connecticut 0 0 0 $0
Delaware - - 0 -
Dist. of Columbia 0 0 0 $0
Florida 0 0 0 $0
Georgia 0 0 0 $0
Guam - - - -
Hawaii 0 0 0 $0
Idaho 0 0 0 -
Illinois 0 0 0 $0
Indiana 0 0 0 $0
Iowa - - - -
Kansas 0 0 0 $0
Kentucky 0 0 0 $0
Louisiana 0 0 0 $0
Maine - - - -
Maryland 1 0 2 $86,750,903
Massachusetts 0 0 0 $0
Michigan 0 0 0 $0
Minnesota 0 0 0 $0
Mississippi 0 0 0 $0
Missouri 0 0 0 $0
Montana 0 0 0 $0
Nebraska - - - -
Nevada 0 0 0 $0
New Hampshire - - - $0
New Jersey 0 0 0 $0
New Mexico 0 0 0 $0
New York 0 0 0 $0
North Carolina 0 0 0 $0
North Dakota 0 0 0 $0
N. Mariana Islands 0 0 0 $0
Ohio 0 0 0 $0
Oklahoma 0 0 0 $0
Oregon - - 1 $220,855
Pennsylvania 0 0 0 $0
Puerto Rico 0 0 0 $0
Rhode Island - - - -
South Carolina 0 0 0 $0
South Dakota 0 0 0 $0
Tennessee 0 0 0 $0
Texas 0 0 0 $0
U.S. Virgin Islands - - - -
Utah 0 0 0 $0
Vermont 0 0 0 $0
Virginia 0 0 0 $0
Washington 0 0 0 $0
West Virginia 0 0 0 $0
Wisconsin 0 0 0 $0
Wyoming 0 0 0 $0
Total 1 0 4 $88,516,649
Initiated Completed In Progress Claims Liability
Table 21C
Supervisions, Receiverships and Companies in Run-Off - 2018Receiverships - Conservations/Supervisions
In Progress
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 49
State
Alabama 0 1 0 $0
Alaska 0 0 0 -
American Samoa - - - -
Arizona 0 0 1 $2,006,318,114
Arkansas 0 0 2 $2,700,000
California 0 0 0 $0
Colorado 0 0 0 $0
Connecticut 0 0 0 $0
Delaware - - 1 $4,314,581
Dist. of Columbia 0 0 0 $0
Florida 0 0 2 $1,009,516
Georgia 0 0 2 $0
Guam - - - -
Hawaii 0 0 0 $0
Idaho 0 0 0 -
Illinois 0 0 7 $1,088,982,443
Indiana 1 0 2 $1,437,931
Iowa - - - -
Kansas 0 0 0 $0
Kentucky 1 0 2 $167,000,000
Louisiana 1 0 7 $4,024,572
Maine - - - -
Maryland 0 0 0 $0
Massachusetts 0 1 2 $0
Michigan 0 0 0 $0
Minnesota 0 0 0 $0
Mississippi 0 0 0 $0
Missouri 0 0 0 $0
Montana 0 0 0 $0
Nebraska - - 1 $3,798,000
Nevada 0 0 0 $0
New Hampshire - - - $0
New Jersey 0 0 0 $0
New Mexico 0 0 0 $0
New York 0 0 0 $0
North Carolina 1 0 1 $48,872,113
North Dakota 0 0 0 $0
N. Mariana Islands 0 0 0 $0
Ohio 0 0 0 $0
Oklahoma 0 1 0 $0
Oregon - - - -
Pennsylvania 0 0 0 $0
Puerto Rico 0 1 1 -
Rhode Island - - - -
South Carolina 0 1 1 $5,057,000
South Dakota 0 0 0 $0
Tennessee 0 0 0 $0
Texas 1 0 3 $285,459,423
U.S. Virgin Islands - - - -
Utah 0 0 1 $1,000,000
Vermont 0 0 0 $0
Virginia 0 0 0 $0
Washington 0 0 0 $0
West Virginia 0 0 0 $0
Wisconsin 0 1 0 $0
Wyoming 0 0 0 $0
Total 5 6 36 $3,619,973,693
Initiated Completed In Progress Claims Liability
Table 21D
Supervisions, Receiverships and Companies in Run-Off - 2018Receiverships - Rehabilitations
In Progress
© 2019 National Association of Insurance Commissioners
50 Examination and Oversight
State
Alabama 1 0 5 $9,015,324
Alaska 0 0 0 -
American Samoa - - - -
Arizona 0 0 2 $211,500,674
Arkansas 0 1 9 $26,915,000
California 1 1 14 $12,137,672,001
Colorado 0 0 1 $0
Connecticut 0 0 1 $17,940,705
Delaware - - 11 $1,128,646,160
Dist. of Columbia 0 0 5 $59,431,570
Florida 2 8 11 $1,499,996,820
Georgia 0 3 12 $0
Guam - - - -
Hawaii 0 0 6 $16,700,000
Idaho 0 0 1 -
Illinois 1 2 8 $1,919,313,709
Indiana 0 2 1 $5,688,746
Iowa - - - -
Kansas 0 0 0 $0
Kentucky 0 0 1 $105,000,000
Louisiana 1 1 1 $2,387,736
Maine - - - -
Maryland 0 0 0 $0
Massachusetts 1 0 3 $353,400,000
Michigan 0 0 2 $102,295,355
Minnesota 0 0 1 $65,000
Mississippi 0 2 4 $133,310,114
Missouri 0 1 8 $530,278,187
Montana 0 0 2 $11,075,880
Nebraska - - - -
Nevada 0 4 6 $79,044,409
New Hampshire - - 1 $4,033,699,000
New Jersey 0 0 7 -
New Mexico 0 0 0 $0
New York 2 1 18 $6,061,770,423
North Carolina 0 0 1 $19,826,727
North Dakota 0 0 0 $0
N. Mariana Islands 0 0 0 $0
Ohio 0 0 1 $1,402,236
Oklahoma 0 0 13 $281,576,752
Oregon - - 1 $17,711,715
Pennsylvania 1 1 11 $13,931,774,656
Puerto Rico 0 0 2 -
Rhode Island - - 2 $15,986,234
South Carolina 0 1 4 $137,540,362
South Dakota 1 0 1 -
Tennessee 0 0 3 $0
Texas 1 2 16 $1,852,162,843
U.S. Virgin Islands - - - -
Utah 0 0 6 $209,801,297
Vermont 1 0 2 $11,200,000
Virginia 0 0 2 $16,429,491
Washington 0 0 0 $0
West Virginia 0 0 0 $0
Wisconsin 0 1 0 $0
Wyoming 0 0 1 $25,000,000
Total 13 31 207 $44,965,559,126
Table 21E
Supervisions, Receiverships and Companies in Run-Off - 2018Receiverships - Liquidations
In Progress
Initiated Completed In Progress Claims Liability
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 51
Insurance Producers
In 2018 9.46 million individuals and entities were
licensed to provide insurance services in the United States.
The following types of licenses are listed in this report:
Licensed Producers/Adjusters:
• Producers: Licensed to offer several insurance
services.
• Surplus Lines Brokers: Licensed to place insurance
with companies that are not licensed in the broker’s
state. Coverage must be unavailable from
companies licensed in the state.
• Bail Bonds: Licensed to sell bail bonds in the
indicated state.
• Adjusters: Independent individual/entity contracted
by an insurance company or policyholder to review
claims brought against the insurer and make
settlement recommendations.
• Other: Includes any issued license that does not fit
into one of the above categories.
Non Risk-Bearing Organizations:
• Premium Finance Companies: Loan money for
insurance premiums to policyholders. The amount
loaned, including fees and interest, is then repaid
over time.
• Third-Party Administrators: Perform managerial
and clerical duties related to an employee insurance
program on behalf of another company. Commonly
used by self-insured employers.
• Utilization Review: Examine health care usage to
determine if treatment received is consistent with an
injury and appropriate for the insurance plan.
• Rating/Advisory Organizations: Develop rates, loss
costs, coverages, and policy forms for member
insurance companies based on data collected from
the companies.
• Managing General Agents: Manage all or part of an
insurance company’s business, including writing
business, underwriting and claims settlement.
• Other: Includes any issued license that does not fit
into one of the above categories.
The sum of the license types issued does not equal the
total number of producers, because an individual or entity
may hold more than one license in a particular state. Thus,
a person licensed as both a producer and a surplus lines
broker would be counted as two licenses.
States also distinguish between resident and non-
resident producers, and many have separate licensing
requirements for these two groups. Such requirements are
usually stricter for resident producers, as it is presumed
that the non-resident producer’s state of domicile strictly
scrutinizes the activities of resident producers in the state.
State insurance departments monitor the activities of
producers licensed in their respective states as part of their
market conduct regulation responsibilities. When
producers operate in multiple jurisdictions, insurance
departments must coordinate their efforts to track
producers and prevent violations. Special databases are
maintained by the NAIC to assist the states by sharing
information about the activities of insurance producers.
The Regulatory Information Retrieval System (RIRS)
contains information on producers and companies against
which some type of regulatory action has been taken.
The National Insurance Producer Registry (NIPR), an
independent non-profit affiliate of the NAIC, developed
and implemented the national repository for producer
license information (PDB) and established a network to
facilitate the electronic exchange of producer information
(NIPR Gateway).
The PDB is an electronic database consisting of
information relating to insurance agents and brokers
(producers). The PDB links state regulatory licensing
systems into one common system establishing a repository
of producer licensing information. The PDB also includes
data from the Regulatory Information Retrieval System
(RIRS) of the NAIC to provide a more comprehensive
producer profile.
The NIPR Gateway is an electronic communication
network that links state insurance regulators with the
entities they regulate. The goal is to simplify
communications and to distribute information
electronically, including licensing applications,
appointments and terminations. The NIPR Gateway was
designed to improve the effectiveness and efficiency of the
state licensing process among all parties through
automation, standardization and reciprocity.
© 2019 National Association of Insurance Commissioners
52 Insurance Producers
State
Alabama 161,368 32,453 128,915 11,416 2,498 8,918
Alaska 66,455 3,346 63,109 5,151 311 4,840
American Samoa 0 - - 0 - -
Arizona 237,241 51,574 185,667 16,849 3,806 13,043
Arkansas 135,291 20,560 114,731 9,723 2,072 7,651
California 384,679 230,703 153,976 22,318 13,276 9,042
Colorado 166,580 39,768 126,812 13,736 3,566 10,170
Connecticut 128,189 21,516 106,673 10,141 1,972 8,169
Delaware 143,302 5,409 137,893 7,858 780 7,078
Dist. of Columbia 91,318 1,290 90,028 6,503 119 6,384
Florida 470,798 231,208 239,590 100,663 60,759 39,904
Georgia 242,623 77,650 164,973 23,062 8,027 15,035
Guam 584 441 143 98 34 64
Hawaii 63,642 7,733 55,909 4,581 671 3,910
Idaho 109,949 9,824 100,125 8,276 1,092 7,184
Illinois 219,784 75,332 144,452 16,855 6,452 10,403
Indiana 170,900 41,178 129,722 13,985 3,623 10,362
Iowa 131,709 26,312 105,397 6,915 1,108 5,807
Kansas 139,220 23,229 115,991 12,889 4,528 8,361
Kentucky 220,028 25,117 194,911 10,529 2,204 8,325
Louisiana 145,715 35,917 109,798 11,591 3,754 7,837
Maine 144,608 7,565 137,043 7,057 751 6,306
Maryland 180,090 38,257 141,833 12,614 2,785 9,829
Massachusetts 134,152 30,584 103,568 7,514 2,411 5,103
Michigan 298,281 63,006 235,275 20,337 8,165 12,172
Minnesota 129,281 35,944 93,337 9,648 3,056 6,592
Mississippi 110,710 18,932 91,778 8,561 1,613 6,948
Missouri 168,318 44,308 124,010 14,614 4,987 9,627
Montana 91,474 6,575 84,899 9,548 1,597 7,951
Nebraska 99,179 15,226 83,953 8,714 2,227 6,487
Nevada 151,816 20,017 131,799 11,786 1,897 9,889
New Hampshire 83,858 6,461 77,397 6,306 604 5,702
New Jersey 197,820 56,545 141,275 16,345 5,097 11,248
New Mexico 151,747 8,078 143,669 7,494 775 6,719
New York 299,540 137,108 162,432 28,194 16,959 11,235
North Carolina 327,229 80,906 246,323 15,463 4,754 10,709
North Dakota 73,304 5,395 67,909 6,673 948 5,725
N. Mariana Islands 23 23 0 66 66 0
Ohio 227,062 70,931 156,131 18,225 6,927 11,298
Oklahoma 130,602 25,019 105,583 12,709 2,409 10,300
Oregon 128,909 18,569 110,340 12,090 2,154 9,936
Pennsylvania 233,610 74,102 159,508 17,012 5,458 11,554
Puerto Rico 9,930 8,997 933 1,331 792 539
Rhode Island 82,259 5,780 76,479 2,264 309 1,955
South Carolina 281,193 38,048 243,145 12,390 2,892 9,498
South Dakota 78,098 7,325 70,773 5,791 669 5,122
Tennessee 188,828 48,494 140,334 10,097 1,752 8,345
Texas 374,074 185,331 188,743 25,389 11,666 13,723
U.S. Virgin Islands 0 - - 0 - -
Utah 136,627 25,176 111,451 11,074 2,599 8,475
Vermont 78,586 3,479 75,107 4,042 231 3,811
Virginia 276,377 70,235 206,142 14,396 5,090 9,306
Washington 146,516 28,794 117,722 12,868 3,629 9,239
West Virginia 107,031 9,165 97,866 6,983 776 6,207
Wisconsin 152,724 37,682 115,042 6,450 1,104 5,346
Wyoming 73,169 2,555 70,614 8,112 592 7,520
Total 8,776,400 2,195,172 6,581,228 685,296 228,393 456,903
*Total Business Entities may not equal the sum of Resident plus Non-Resident Business Entities as some states do not
maintain categories of Resident and Non-Resident.
Business Entities
Table 22
Licensed Producers - 2018
Total Resident Non-Resident Total* Resident Non-Resident
Individuals
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 53
State
Alabama 143,357 2,715 202 23,733 -
Alaska 60,343 1,994 12 7,979 19
American Samoa - - - - -
Arizona 237,174 3,113 174 16,355 1,165
Arkansas 114,201 1,526 0 16,227 2,286
California 400,335 6,662 2,841 3,150 2,259
Colorado 180,316 2,248 0 413 0
Connecticut 138,016 2,720 381 90,780 1,221
Delaware 85,458 2,264 67 59,020 4,351
Dist. of Columbia 97,821 2,186 2 132 1,841
Florida 640,666 2,494 2,355 142,879 0
Georgia 265,587 2,226 0 34,474 1,498
Guam 682 35 - 60 -
Hawaii 68,223 2,051 0 3,102 133
Idaho 101,690 1,657 309 14,174 64
Illinois 219,784 2,509 0 733 0
Indiana 178,796 2,658 265 20,533 983
Iowa 131,709 1,888 0 130 0
Kansas 139,220 1,823 456 145 14,686
Kentucky 144,492 2,513 - 85,235 250
Louisiana 157,306 3,252 1,096 89,151 0
Maine 144,608 1,881 0 16,471 57
Maryland 170,777 1,927 0 508 6,878
Massachusetts 141,666 2,940 - 309 6,175
Michigan 291,595 2,863 0 20,638 1,886
Minnesota 138,929 1,726 378 19,364 276
Mississippi 113,528 3,639 1,453 21,785 3,308
Missouri 182,932 2,153 793 173 3,209
Montana 91,474 2,513 118 13,404 1,426
Nebraska 97,469 1,349 0 73 4,202
Nevada 145,732 2,982 333 15,046 3,800
New Hampshire 83,858 2,485 0 69,334 0
New Jersey 214,165 4,896 490 - 1,388
New Mexico 94,469 2,084 100 61,231 1,067
New York 276,327 3,895 298 18,463 557
North Carolina 300,882 2,491 2,071 87,900 36,721
North Dakota 73,304 1,306 62 - 48
N. Mariana Islands 89 11 0 12 0
Ohio 241,460 3,147 772 276 3,370
Oklahoma 136,442 2,637 558 84,624 1,197
Oregon 138,990 3,161 0 15,559 104
Pennsylvania 250,622 4,006 0 1,138 14,692
Puerto Rico 9,756 148 114 2,243 496
Rhode Island 79,750 1,582 0 72,288 0
South Carolina 180,870 3,351 674 92,806 4,166
South Dakota 83,889 1,421 44 0 0
Tennessee 189,274 4,801 1,257 446 0
Texas 398,976 7,078 0 138,392 3,684
U.S. Virgin Islands - - - - -
Utah 129,661 2,583 390 14,495 20
Vermont 77,682 1,391 30 64,334 91
Virginia 292,233 2,298 0 246 1,324
Washington 159,376 2,995 348 13,012 -
West Virginia 107,031 1,466 - 32,828 8
Wisconsin 152,725 1,773 0 0 96
Wyoming 81,281 2,230 0 61,183 0
Total 8,776,998 135,743 18,443 1,546,986 131,002
Bail Bonds Adjusters Other
Table 22 (continued)
Licensed Producers - 2018Licensed Producers/Adjusters
Producers
Surplus Lines
Brokers
© 2019 National Association of Insurance Commissioners
54 Insurance Producers
State
Alabama 70 0 - 12 26 -
Alaska 0 446 0 0 80 743
American Samoa - - - - - -
Arizona 36 311 23 23 0 185
Arkansas 0 350 0 0 33 209
California 0 791 0 34 46 0
Colorado 0 0 0 24 60 0
Connecticut 41 293 59 - - 0
Delaware 23 278 1 13 0 0
Dist. of Columbia 26 0 0 8 45 278
Florida 0 0 0 0 331 0
Georgia 82 358 - 0 0 1,177
Guam - - - - 237 -
Hawaii 0 0 0 0 47 0
Idaho 0 349 0 16 33 177
Illinois 134 460 240 0 0 0
Indiana 0 327 125 16 35 272
Iowa - 388 - 19 - -
Kansas 29 334 62 13 101 85
Kentucky 45 1,840 105 16 92 90
Louisiana 0 387 79 0 46 0
Maine 0 339 81 15 39 0
Maryland 59 355 102 - - 0
Massachusetts - - - - - -
Michigan 52 429 0 0 122 0
Minnesota 8 374 79 19 70 574
Mississippi 0 314 0 0 94 -
Missouri 0 422 110 34 50 338
Montana 23 304 0 20 42 41
Nebraska 0 420 145 18 87 0
Nevada 30 379 122 18 89 9
New Hampshire 17 260 63 15 39 9
New Jersey 71 185 0 8 98 241
New Mexico 32 590 0 0 0 0
New York 0 0 0 0 0 0
North Carolina 79 - - - - 1,161
North Dakota 25 240 92 - 53 -
N. Mariana Islands 0 0 0 0 0 0
Ohio 0 587 0 0 70 0
Oklahoma - 319 116 21 212 0
Oregon 0 354 0 0 121 79
Pennsylvania 62 546 0 0 69 358
Puerto Rico 0 0 0 4 224 0
Rhode Island 0 317 0 15 35 0
South Carolina 70 350 89 25 15 268
South Dakota 0 371 98 17 105 175
Tennessee 0 306 148 18 0 5
Texas 220 694 204 15 573 0
U.S. Virgin Islands - - - - - -
Utah 0 449 0 0 103 0
Vermont 0 0 0 0 0 0
Virginia 69 0 0 0 25 0
Washington - - - - 38 -
West Virginia 0 369 0 11 32 0
Wisconsin 0 362 0 27 107 0
Wyoming 0 188 0 0 32 192
Total 1,303 16,735 2,143 494 3,756 6,666
General Agents OtherCompanies
Third-Party Utilization Rating/Advisory
Administrators Review Organizations
Table 22 (continued)
Licensed Producers - 2018Non Risk-Bearing Organizations
Premium Finance Managing
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 55
State
Alabama 62 1 2 0
Alaska 0 3 0 1
American Samoa - - - -
Arizona 3 28 4 5
Arkansas 44 18 0 2
California 44 276 4 319
Colorado 14 6 1 18
Connecticut 0 14 0 5
Delaware 31,281 46 0 0
Dist. of Columbia 0 5 0 0
Florida 99 142 4 344
Georgia 12 6 3 17
Guam - - - -
Hawaii 0 4 0 0
Idaho 0 23 0 3
Illinois 119 12 0 20
Indiana 28 21 5 129
Iowa 38 9 9 0
Kansas 2 27 0 29
Kentucky 0 25 0 0
Louisiana 48 134 14 16
Maine 0 14 0 2
Maryland 20 35 0 9
Massachusetts 0 14 18 0
Michigan 8 307 30 12
Minnesota 24 17 1 0
Mississippi 0 13 3 4
Missouri 0 3 0 52
Montana 0 1 0 1
Nebraska 1 47 1 6
Nevada 4 51 0 18
New Hampshire 2 4 0 5
New Jersey 1 34 0 9
New Mexico 4 2 0 0
New York 0 27 0 0
North Carolina 0 18 0 32
North Dakota 0 6 0 25
N. Mariana Islands 0 0 0 0
Ohio 34 44 0 17
Oklahoma 1 5 0 16
Oregon 3 28 6 3
Pennsylvania 18 42 0 0
Puerto Rico 5 1 26 8
Rhode Island 0 0 1 0
South Carolina 1 36 0 1
South Dakota 0 47 1 55
Tennessee 58 13 2 95
Texas 0 40 6 18
U.S. Virgin Islands - - - -
Utah 0 11 0 24
Vermont 0 6 0 0
Virginia 0 119 5 0
Washington 0 84 3 -
West Virginia 785 13 0 233
Wisconsin 4 143 4 87
Wyoming 0 10 0 0
Total 32,767 2,035 153 1,640
Table 23
Actions Against Producers - 2018
Suspensions Revocations Cease & Desist Denial Order
© 2019 National Association of Insurance Commissioners
56 Insurance Producers
State
Alabama 39 $18,900 0 $0 43
Alaska 2 $23,551 0 $0 0
American Samoa - - - - -
Arizona 16 $4,300 2 $31,819 9
Arkansas 17 $292,751 29 $35,087 -
California 199 $4,509,683 1 $98,000 703
Colorado 13 $1,369,050 12 $905,731 20
Connecticut 3 $6,250 0 $0 0
Delaware 2,540 $762,000 106 $805,523 0
Dist. of Columbia 17 $18,500 0 $0 0
Florida 124 $324,985 39 $480,041 0
Georgia 37 $11,300 0 $0 125
Guam - - - - -
Hawaii 0 $0 0 $0 0
Idaho 4 $22,250 0 $0 6
Illinois 42 $59,250 0 $0 0
Indiana 35 $292,460 536 $52,586 -
Iowa 11 $273,348 3 $242,900 0
Kansas 3 $1,600 0 $0 74
Kentucky 5 $1,557,500 0 $0 4
Louisiana 330 $137,800 0 $0 0
Maine 1 $200 0 $0 2
Maryland 56 $111,450 36 $1,062,904 0
Massachusetts 435 $359,650 20 $109,405 0
Michigan 69 $165,400 20 $24,261 116
Minnesota 239 $302,750 0 $0 229
Mississippi 20 $43,850 0 $0 11
Missouri 103 $41,900 60 $1,664,632 14
Montana 2 $5,500 - $37,000 -
Nebraska 4 $50,700 0 $0 7
Nevada 32 $110,722 4 $98,464 11
New Hampshire 21 $607,000 20 $99,125 3
New Jersey 63 $1,180,000 5 $7,716,145 0
New Mexico 0 $10,000 0 $0 0
New York 123 $836,450 0 $0 0
North Carolina 122 $117,675 0 $0 57
North Dakota 29 $23,800 0 $0 38
N. Mariana Islands 0 $0 0 $0 0
Ohio 175 $46,950 0 $0 40
Oklahoma 78 $58,750 0 $0 76
Oregon 9 $26,500 1 $800 2
Pennsylvania 18 $73,752 19 $385,591 54
Puerto Rico 40 $201,510 0 $0 0
Rhode Island 3 $2,250 1 $2,951 0
South Carolina 57 $147,450 0 $0 126
South Dakota 21 $97,500 0 $0 0
Tennessee 19 $267,750 19 $25,737 0
Texas 134 $7,481,914 14 $4,113,168 -
U.S. Virgin Islands - - - - -
Utah 27 $176,650 0 $0 0
Vermont 2 $95,000 0 $0 0
Virginia 33 $97,750 627 $2,422,757 215
Washington 141 $103,950 4 $37,992 20
West Virginia 13 $16,100 0 $0 0
Wisconsin 45 $221,548 4 $1,345,715 40
Wyoming 27 $20,125 0 $0 17
Total 5,598 $22,787,974 1,582 $21,798,334 2,062
Fines Restitutions Restitution Other
Table 23 (continued)
Actions Against Producers - 2018
Number of
Fines
Amount of Number of Amount of
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 57
Consumer Services and Antifraud
Consumer Services State insurance departments provide many services to
the residents of their respective states. Each state has a mechanism in place for responding to and resolving consumer complaints. In 2018, 287,641 complaints were received by insurance departments. Consumers can also check with their state insurance department before buying insurance from a particular company or agent to ascertain the number of complaints or regulatory actions taken against a particular insurance provider.
Insurance departments are also a good source for general insurance information. Many states produce and/or provide consumer brochures on several types of insurance to help consumers understand the large number of insurance options available. Some states also publish rate comparison guides to help consumers get the best value when they purchase insurance. Insurance departments handle large numbers of inquiries after earthquakes,
hurricanes, and other natural disasters. Several states also fund educational seminars for consumers.
Antifraud While every state investigates fraud, many states have
formed separate criminal insurance fraud units. These units, which may or may not reside within the state’s insurance department, investigate insurance fraud in order to prevent unscrupulous individuals from harming consumers and to keep fraudulent claims from increasing the cost of insurance. Some units are limited as to the types of insurance fraud that may be investigated, and the investigators in some units have peace authority (authority to place persons under arrest). The increasing awareness and scrutiny focused on insurance fraud has led to an increase in the number of fraud investigators employed by the state insurance departments in recent years.
© 2019 National Association of Insurance Commissioners
58 Consumer Services and Antifraud
Aggregated Complaint Data
State Available to Public?
Alabama 1,701 2,084 Yes
Alaska 256 1,696 Yes
American Samoa - - -
Arizona 2,290 14,996 Yes
Arkansas 2,395 17,627 Yes
California 45,532 152,309 Yes
Colorado 4,130 10,690 Yes
Connecticut 4,758 19,067 Yes
Delaware 745 3,800 No
Dist. of Columbia 829 1,095 Yes
Florida 22,300 297,456 Yes
Georgia 9,139 706 Yes
Guam - - -
Hawaii 608 5,520 Yes
Idaho 887 6,872 Yes
Illinois 8,232 84,952 Yes
Indiana 3,673 53,334 Yes
Iowa 1,492 833 No
Kansas 2,702 1,052 Yes
Kentucky 5,475 288 Yes
Louisiana 3,241 196 Yes
Maine 658 4,986 Yes
Maryland 11,981 721 Yes
Massachusetts 1,986 14,374 Yes
Michigan 4,446 12,670 Yes
Minnesota 3,464 11,748 Yes
Mississippi 1,042 12,366 Yes
Missouri 3,228 2,297 Yes
Montana 1,009 295 Yes
Nebraska 1,704 8,678 No
Nevada 3,168 12,175 Yes
New Hampshire 974 4,810 Yes
New Jersey 5,853 26,052 Yes
New Mexico 1,546 15,515 No
New York 36,794 34,189 Yes
North Carolina 10,861 144,849 No
North Dakota 147 2,913 Yes
N. Mariana Islands 1 0 No
Ohio 5,933 276,956 Yes
Oklahoma 2,556 18,809 No
Oregon 3,883 12,440 Yes
Pennsylvania 9,365 38,768 Yes
Puerto Rico 2,654 2,088 No
Rhode Island 338 166 Yes
South Carolina 3,378 9,422 Yes
South Dakota 565 - No
Tennessee 3,487 - No
Texas 27,735 137,617 Yes
U.S. Virgin Islands - - -
Utah 1,508 11,492 Yes
Vermont 428 3,286 Yes
Virginia 4,241 11,311 Yes
Washington 6,779 83,129 Yes
West Virginia 1,942 21,484 Yes
Wisconsin 3,205 20,776 Yes
Wyoming 397 1,657 Yes
Total 287,641 1,632,612
Table 24
Consumer Complaints/Inquiries - 2018
Consumer Complaints Consumer Inquiries
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 59
Separate Investigators Limitations on
Criminal Ins. Have Peace Types of Ins.
State Fraud Unit? Parent Agency Authority? Fraud Investigated?
Alabama Yes State Insurance Department Yes No
Alaska Yes Alaska Division of Insurance No No
American Samoa - - - -
Arizona Yes Insurance Department Yes No
Arkansas Yes Arkansas Insurance Department Yes No
California Yes CA Department of Insurance, Enforcement Branch Yes No
Colorado Yes Attorney General's Office Yes No
Connecticut Yes Office of the Chief State's Attorney Yes Yes
Delaware No - No No
Dist. of Columbia Yes DISB/Enforcement & Consumer Protection No Yes
Florida Yes Department of Financial Services Yes No
Georgia Yes Office of Commissioner of Insurance Yes Yes
Guam - - - -
Hawaii Yes Insurance Division Yes Yes
Idaho Yes Department of Insurance No No
Illinois Yes Department of Insurance No Yes
Indiana No - No No
Iowa Yes Iowa Insurance Division Yes No
Kansas Yes Kansas Insurance Department No No
Kentucky Yes Department of Insurance Yes No
Louisiana Yes LDI, State Police, LDOJ (Atty. Gen.) Yes No
Maine No - - -
Maryland Yes Maryland Insurance Administration No No
Massachusetts Yes IFB and Office of the Attorney General Yes Yes
Michigan Yes Department of Insurance and Financial Services No No
Minnesota Yes Minnesota Department of Commerce Yes No
Mississippi Yes State Attorney Generals Office Yes No
Missouri No - No No
Montana Yes Office of the Montana State Auditor, Commissioner of Securities and InsuranceNo No
Nebraska Yes Yes No
Nevada Yes Yes No
New Hampshire Yes No No
New Jersey Yes Yes No
New Mexico Yes Yes No
New York Yes Yes No
North Carolina Yes Yes No
North Dakota Yes Yes No
N. Mariana Islands No No No
Ohio No No No
Oklahoma Yes Yes Yes
Oregon No - -
Pennsylvania Yes Yes Yes
Puerto Rico No No No
Rhode Island Yes - No
South Carolina Yes Yes No
South Dakota Yes Yes No
Tennessee No No No
Texas Yes Yes No
U.S. Virgin Islands - - -
Utah Yes Yes No
Vermont No - -
Virginia Yes Yes Yes
Washington Yes Yes Yes
West Virginia Yes No No
Wisconsin No - -
Wyoming No
Department of Insurance
Office of the Attorney General
Insurance Department
Law and Public Safety
Office of Superintendent of Insurance
Department of Financial Services
North Carolina Department of Insurance
Legal Division
Office of the Attorney General
-
Insurance Dept and AG's Office
-
OAG, State, County & Local Authorities
-
RISP
SC Attorney General's Office
Attorney General's Office
Department of Commerce and Insurance
Texas Department of Insurance
-
Insurance Fraud Division
-
Virginia State Police
Office of Insurance Commissioner
Offices of the Insurance Commissioner
-
- - No
Table 25
Fraud Investigation - 2018
© 2019 National Association of Insurance Commissioners
60 Consumer Services and Antifraud
Long-Med. Term Workers
State Auto Home Life Health Supp. Care Comp. Other Other LanguagesAlabama Yes Yes Yes Yes Yes Yes No YesAlaska Yes Yes Yes Yes Yes Yes Yes YesAmerican Samoa - - - - - - - -Arizona Yes Yes Yes Yes Yes Yes Yes Yes Spanish (limited)Arkansas Yes Yes Yes Yes Yes Yes No Yes Spanish (limited)California Yes Yes Yes Yes Yes Yes Yes Yes Twelve additional languages are available online.Colorado Yes Yes Yes Yes Yes Yes Yes Yes Spanish (limited)Connecticut Yes Yes Yes Yes Yes Yes No Yes Spanish (limited)Delaware Yes Yes Yes Yes Yes Yes Yes Yes SpanishDist. of Columbia Yes Yes Yes Yes Yes Yes Yes Yes SpanishFlorida Yes Yes Yes Yes Yes Yes Yes Yes Spanish, Haitian, CreoleGeorgia Yes Yes Yes Yes Yes Yes Yes YesGuam Yes Yes Yes Yes Yes No Yes -Hawaii Yes Yes Yes Yes Yes Yes No YesIdaho Yes Yes Yes Yes Yes Yes Yes Yes SpanishIllinois Yes Yes Yes Yes Yes Yes Yes Yes Spanish, Korean, PolishIndiana Yes Yes Yes Yes Yes Yes Yes Yes Spanish, BrailleIowa Yes Yes Yes Yes Yes Yes No YesKansas Yes Yes Yes Yes Yes Yes Yes YesKentucky Yes Yes Yes Yes Yes Yes No Yes Spanish (limited)Louisiana Yes Yes Yes Yes Yes Yes Yes Yes Some available in Spanish and VietnameseMaine Yes Yes Yes Yes Yes Yes Yes Yes Spanish (limited)Maryland Yes Yes Yes Yes Yes Yes Yes Yes Spanish, KoreanMassachusetts Yes Yes Yes Yes Yes Yes Yes YesMichigan Yes Yes Yes Yes Yes Yes No Yes Spanish, ArabicMinnesota Yes Yes Yes Yes Yes Yes Yes YesMississippi Yes Yes Yes Yes Yes Yes Yes YesMissouri Yes Yes Yes Yes Yes Yes Yes YesMontana Yes Yes Yes Yes Yes Yes Yes YesNebraska Yes Yes Yes Yes Yes Yes Yes Yes Spanish (limited)
Nevada Yes Yes Yes Yes Yes Yes Yes Yes Health and Health Insurance Rate Review in Spanish
New Hampshire Yes Yes Yes Yes Yes Yes Yes Yes SpanishNew Jersey Yes Yes No Yes No Yes No No SpanishNew Mexico Yes Yes Yes Yes Yes Yes Yes YesNew York Yes Yes Yes Yes Yes Yes No Yes SpanishNorth Carolina Yes Yes Yes Yes Yes Yes Yes Yes SpanishNorth Dakota Yes Yes Yes Yes Yes Yes - YesN. Mariana Islands No No No No No No Yes NoOhio Yes Yes Yes Yes Yes Yes No YesOklahoma Yes Yes Yes Yes Yes Yes Yes Yes SpanishOregon Yes Yes Yes Yes Yes Yes Yes Yes Spanish, RussianPennsylvania Yes Yes Yes Yes Yes Yes Yes Yes SpanishPuerto Rico Yes Yes Yes Yes Yes Yes Yes Yes SpanishRhode Island Yes Yes Yes Yes Yes Yes No YesSouth Carolina Yes Yes Yes Yes Yes Yes No YesSouth Dakota Yes Yes Yes Yes Yes Yes Yes YesTennessee Yes Yes Yes Yes Yes Yes Yes Yes HTML convertible to many different languagesTexas Yes Yes Yes Yes Yes Yes Yes Yes SpanishU.S. Virgin Islands Yes Yes Yes Yes No No No Yes SpanishUtah Yes Yes Yes Yes Yes Yes Yes YesVermont Yes Yes Yes Yes Yes Yes Yes NoVirginia Yes Yes Yies Yes Yes Yes No Yes SpanishWashington Yes Yes Yes Yes Yes Yes Yes Yes SpanishWest Virginia Yes Yes Yes Yes Yes Yes Yes YesWisconsin Yes Yes Yes Yes Yes Yes Yes Yes SpanishWyoming Yes Yes Yes Yes Yes Yes No No
Table 26
Availability of Consumer Information - 2018
© 2019 National Association of Insurance Commissioners
2018 Insurance Department Resources Report 61
State
AL 800-433-3966 a 334-241-4141 334-269-3550 334-241-4192
AK 800-467-8725 a 907-269-7914 907-269-7900 907-269-7910
AS 011-684-633-4116 011-684-633-4116 011-684-633-2269
AZ 800-325-2548 a 602-364-2499 602-364-3100 602-364-2400
AR 800-852-5494 501-371-2640 501-371-2600 501-371-2618
CA 800-927-4357 800 927-4357 916-492-3500 916-445-5280
CO 800-930-3745 a 303-894-7490 303-894-7499 303-894-7455
CT 800-203-3447 a 860-297-3900 860-297-3800 860-566-7410
DE 800-282-8611 a 302-674-7310 302-674-7300 302-739-5280
DC 202-442-7812 202-727-8000 202-535-1196
FL 877-693-5236 a 850-413-3089 850-413-3089 850-413-2950
GA 800-656-2298 404-656-2070 404-656-2056 404-657-8542
GU 011-671-635-1844 011-671-635-1817 011-671-633-2643
HI 808-586-2790 808-586-2790 808-586-2806
ID 800-721-3272 a 208-334-4250 208-334-4250 208-334-4398
IL 866-445-5364 217-782-4515 217-782-4515 217-782-5020
IN 800-622-4461 a 317-232-2395 317-232-2385 317-232-5251
IA 877-955-1212 a 515-281-6348 515-281-5705 515-281-3059
KS 800-432-2484 a 785-296-7827 785-296-3071 785-296-7805
KY 800-595-6053 a 502-564-6034 502-564-3630 502-564-1453
LA 800-259-5300 a 225-342-5900 225-342-5900 225-342-8622
ME 800-300-5000 a 207-624-8475 207-624-8475 207-624-8599
MD 800-492-6116 410-468-2000 410-468-2000 410-468-2020
MA 877-563-4467 617-521-7777 617-521-7794 617-753-6830
MI 877-999-6442 517-284-8784 517-284-8800 517-284-8837
MN 800-657-3602 a 651-539-1600 651-539-1500 651-539-1547
MS 800-562-2957 a 601-359-2453 601-359-3569 601-359-2474
MO 800-726-7390 a 573-751-2640 573-751-4126 573-526-3416
MT 800-332-6148 a 406-444-2040 406-444-2040 406-444-3497
NE 877-564-7323 a 402-471-0888 402-471-2201 402-471-4610
NV 888-872-3234 a 775-687-4270 775-687-0700 775-687-0787
NH 800-852-3416 a 603-271-2261 603-271-2261 603-271-1406
NJ 800-446-7467 609-292-5316 609-292-7272 609-984-5273
NM 855-427-5674 a 505-827-4549 505-827-4601 505-827-4734
NY 800-342-3736 212-480-6400 212-709-3500 212-709-3520
NC 855-408-1212 919-807-6750 919-807-6000 919-733-6495
ND 800-247-0560 a 701-328-9611 701-328-2440 701-328-4880
MP 670-664-3064 670-664-3000 670-664-3067
OH 800-686-1526 800-686-1526 614-644-2658 614-644-3744
OK 800-522-0071 a 405-521-2991 405-521-2828 405-521-6635
OR 888-877-4894 503-947-7984 503-947-7980 503-378-4351
PA 877-881-6388 a 717-783-2153 717-787-7000 717-772-1969
PR 888-722-8686 787-304-8686 787-304-8686 787-273-6365
RI 401-462-9616 401-462-9520 401-462-9602
SC 800-768-3467 a 803-737-6180 803-737-6160 803-737-6231
SD 605-773-3563 605-773-3563 605-773-5369
TN 800-342-4029 a 615-741-2218 615-741-2241 615-532-6934
TX 800-578-4677 800-252-3439 512-676-6000 512-490-1045
VI 340-774-7166 340-774-7166 340-774-9458
UT 800-439-3805 a
Health
Life
P/C
801-538-3077;
801-538-3066;
801-538-3035
801-538-3800 801-538-3829
VT 800-964-1784 802-828-3302 802-828-3301 802-828-3306
VA 800-552-7945 a 877-310-6560 804-371-9741 804-371-9873
WA 800-562-6900 360-725-7080 360-725-7000 360-586-3535
WV 888-879-9842 a 304-558-3386 304-558-3354 304-558-0412
WI 800-236-8517 a 608-266-3585 608-266-3585 608-266-9935
WY 800-438-5768 a 307-777-7402 307-777-7401 307-777-2446
a - In-state calls only
Table 27
Consumer Access to Insurance Departments - 2018
Toll Free Hotline Consumer Direct Department Phone Department Fax
© 2019 National Association of Insurance Commissioners
62 Consumer Services and Antifraud
Company Producer Consumer OnlineLicensing Licensing Complaint Complaint
State Internet Address Info Info Statistics SubmissioAlabama www.aldoi.gov Yes Yes Yes YesAlaska http://www.insurance.alaska.gov Yes Yes Yes YesAmerican Samoa - - - - -Arizona https://insurance.az.gov Yes Yes Yes YesArkansas Insurance.Arkansas.gov Yes Yes Yes YesCalifornia www.insurance.ca.gov Yes Yes Yes YesColorado www.dora.colorado.gov/insurance Yes Yes Yes YesConnecticut www.ct.gov/cid Yes Yes Yes YesDelaware www.insurance.delaware.gov Yes Yes No YesDist. of Columbia disb.dc.gov Yes Yes Yes YesFlorida www.FLOIR.com Yes Yes Yes YesGeorgia www.oci.ga.gov Yes Yes Yes YesGuam https://www.guamtax.com Yes Yes No NoHawaii http://cca.hawaii.gov/ins/ Yes Yes Yes NoIdaho www.doi.idaho.gov Yes Yes Yes YesIllinois www.insurance.illinois.gov Yes Yes Yes YesIndiana www.IN.gov/idoi Yes Yes Yes YesIowa www.iid.iowa.gov Yes Yes No YesKansas www.ksinsurance.org Yes Yes Yes YesKentucky http://insurance.ky.gov Yes Yes Yes YesLouisiana www.ldi.la.gov Yes Yes Yes YesMaine http://www.maine.gov/pfr/insurance/index.html Yes Yes Yes YesMaryland www.insurance.maryland.gov Yes Yes Yes YesMassachusetts http://www.mass.gov/doi Yes Yes No NoMichigan www.Michigan.gov/difs Yes Yes Yes YesMinnesota http://mn.gov/commerce/industries/insurance/ Yes Yes No YesMississippi www.mid.ms.gov Yes Yes Yes YesMissouri www.insurance.mo.gov Yes Yes Yes YesMontana www.csimt.gov Yes Yes No YesNebraska doi.nebraska.gov Yes Yes No YesNevada http://doi.nv.gov Yes Yes Yes YesNew Hampshire www.nh.gov/insurance Yes Yes Yes YesNew Jersey www.dobi.nj.gov Yes Yes Yes YesNew Mexico www.osi.state.nm.us Yes Yes Yes YesNew York www.dfs.ny.gov Yes Yes Yes YesNorth Carolina www.ncdoi.com Yes Yes No YesNorth Dakota www.nd.gov/ndins Yes Yes Yes YesN. Mariana Islands http://commerce.gov.mp/ Yes Yes No YesOhio www.insurance.ohio.gov Yes Yes Yes YesOklahoma www.oid.ok.gov Yes Yes No YesOregon www.dfr.oregon.gov Yes Yes Yes YesPennsylvania www.insurance.pa.gov Yes Yes Yes YesPuerto Rico www.ocs.pr.gov Yes Yes No YesRhode Island www.dbr.ri.gov Yes Yes No YesSouth Carolina www.doi.sc.gov Yes Yes Yes YesSouth Dakota www.dlr.sd.gov/insurance Yes Yes No YesTennessee https://www.tn.gov/commerce/insurance-division.html Yes Yes No YesTexas www.tdi.texas.gov Yes Yes Yes Yes
U.S. Virgin Islands https://ltg.gov.vi/departments/banking-insurance-and-financial-regulation/ Yes Yes - No
Utah https://insurance.utah.gov/ Yes Yes Yes YesVermont www.dfr.vermont.gov Yes Yes No YesVirginia https://www.scc.virginia.gov/boi/ Yes Yes No YesWashington www.insurance.wa.gov Yes Yes Yes YesWest Virginia www.wvinsurance.gov Yes Yes No YesWisconsin oci.wi.gov Yes Yes Yes YesWyoming http://doi.wyo.gov Yes Yes Yes Yes
Table 27 (continued)
Consumer Access to Insurance Departments - 2018Available on Web Site?
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2018 Insurance Department Resources Report 63
State Title Parent AgencyAlabama Alabama Department of Insurance Office of the Governor
Alaska Alaska Division of InsuranceDepartment of Commerce, Community & Economic Development
American Samoa Office of the Insurance Commissioner Office of the GovernorArizona Arizona Department of Insurance Office of the GovernorArkansas Arkansas Insurance Department Office of the GovernorCalifornia California Department of InsuranceColorado Colorado Division of Insurance Department of Regulatory AgenciesConnecticut Connecticut Insurance Department Office of the GovernorDelaware Delaware Department of Insurance Office of the Insurance CommissionerDist. of Columbia Office of the MayorFlorida Florida Financial Services CommissionGeorgiaGuam Department of Revenue and TaxationHawaii Department of Commerce and Consumer AffairsIdaho Office of the GovernorIllinois Office of the GovernorIndiana Office of the GovernorIowa Department of CommerceKansasKentucky Public Protection CabinetLouisianaMaine Department of Professional and Financial RegulationMaryland Office of the GovernorMassachusetts Office of Consumer Affairs and Business RegulationMichiganMinnesota Department of CommerceMississippi
Missouri Office of the Governor
Montana Office of the Montana State Auditor
Nebraska Office of the GovernorNevada Department of Business and IndustryNew Hampshire Office of the GovernorNew Jersey State of New JerseyNew MexicoNew York Office of the GovernorNorth CarolinaNorth Dakota
DC Department of Insurance, Securities and Banking Florida Office of Insurance RegulationGeorgia Office of Insurance and Safety Fire Commissioner Guam Regulatory DivisionHawaii Insurance DivisionIdaho Department of InsuranceIllinois Department of InsuranceIndiana Department of InsuranceIowa Insurance DivisionKansas Insurance DepartmentKentucky Department of InsuranceLouisiana Department of InsuranceMaine Bureau of InsuranceMaryland Insurance AdministrationMassachusetts Division of InsuranceMichigan Department of Insurance and Financial Services Minnesota Department of CommerceMississippi Insurance DepartmentMissouri Department of Insurance, Financial Institutions and Professional Registration Montana Office of the Commissioner of Securities & InsuranceNebraska Department of InsuranceNevada Division of InsuranceNew Hampshire Insurance DepartmentNew Jersey Department of Banking and Insurance New Mexico Office of Superintendent of Insurance New York State Department of Financial Services North Carolina Department of InsuranceNorth Dakota Insurance Department
N. Mariana Islands CNMI Office of Insurance Commissioner CNMI Department of CommerceOhio Ohio Department of Insurance Office of the GovernorOklahoma Oklahoma Insurance DepartmentOregon Division of Financial Regulation Department of Consumer and Business ServicesPennsylvania Pennsylvania Insurance Department Office of the GovernorPuerto Rico Office of the Commissioner of Insurance of Puerto RicoRhode Island Rhode Island Division of Insurance Department of Business RegulationSouth Carolina South Carolina Department of Insurance Office of the GovernorSouth Dakota South Dakota Division of Insurance Department of Labor and RegulationTennessee Tennessee Insurance Division Department of Commerce and InsuranceTexas Texas Department of InsuranceU.S. Virgin Islands Division of Banking, Insurance, and Financial Regulation Office of the Lieutenant GovernorUtah Utah Insurance Department Office of the GovernorVermont Vermont Department of Financial Regulation Office of the GovernorVirginia Virginia Bureau of Insurance Virginia State Corporation CommissionWashington Washington State Office of the Insurance CommissionerWest Virginia West Virginia Offices of the Insurance Commissioner Department of RevenueWisconsin Wisconsin Office of the Commissioner of Insurance Office of the GovernorWyoming Wyoming Insurance Department Office of the Governor
Table 28
Insurance Department Titles - 2018
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64 Technical Notes
Technical Notes to the 2018 Insurance Department Resources Report – Volume One
Staffing Table 1– State Commissioners This is the elected/appointed and other offices held table. American Samoa: NAIC provided the information. Colorado: The position of Commissioner was filled on an
acting basis by the Deputy Commissioner from Jan. 1, 2018 to Jan. 7, 2019.
Kansas: Office of the Kansas Securities Commissioner merged with the Kansas Insurance Department July 1, 2017.
Michigan: The Commissioner’s role extends to banking, credit unions, consumer finance, and consumer services.
New York: Due to the 2011 merger of the NYS Insurance Department and NYS Banking Department, the Commissioner regulates both Banking and Insurance under the Department of Financial Services which was not reported in 2016.
Northern Mariana Islands: Data was first received in 2016 but not years prior.
Rhode Island: In 2018, the Superintendent of Insurance was assigned the oversight responsibilities of the Division of Banking and the Securities Division. The Divisions of Insurance, Banking and Securities are now referred to as the Financial Services Division of the RI Department of Business Regulation.
U.S. Virgin Islands: NAIC filled in the status based on territory statute.
Texas: The "Commissioner" of the Division of Workers' Compensation is appointed; however, the position is the head of one of the agency's divisions, and is, therefore, included in the "Deputy/Assistant Commissioners" category.
Tables 2–3, 6 - Insurance Department Staff by Position including Salary Ranges Deputy/assistant commissioners are defined as individuals who are either on the commissioner’s staff or are the head of a division and report directly to the commissioner. Headcount and salary may vary year to year due to internal movement, intra-agency transfers, retirement, and attrition. The “Other Personnel” for each state includes a count for the insurance department’s Commissioner, Superintendent, or Director (i.e the person who represents the department as an NAIC member). Alabama: “Other” employees include the executive
secretary, and state fire marshal office employees. Alaska: Note market conduct duties are written into position
descriptions for all P/C and L/H positions. As of year-end 2018, the division was fully staffed with both P/C and L/H actuaries. Changes in staffing reflect the reclassification of some positions.
American Samoa: NAIC updated to include a count of one for the commissioner in the Other Personnel section.
Arizona: Insufficient differentiation exists for "Civil Fraud Investigators," "Enforcement Personnel," "Complaint Investigators," and "Assistance Personnel/Facilitators" categories. The department’s "Enforcement Personnel" and "Assistance Personnel" also investigate complaints. A Consumer Affairs supervisor position and Antifraud supervisor position was newly established in 2018.
Arkansas: “Other” employees include risk consultants, not contractual workers.
California: Changes were a result of reclassifications. A position was added to the Media category which adjusted the salary range for Revenue. “Other” employees include community programs and policy initiative branch, California Organized Investment Network (COIN), and Office of Management and Budget (OMB).
Colorado: The Deputy Commissioner position was not back filled in 2018. Administration support staff position was reclassified, and Executive support staff position was contracted to temporary staff. Changes in the Actuarial figures represent vacant positions and the promotion of one support staff to a professional position. Changes in the Financial Regulation figures reflect two vacant financial examiner positions and the addition of one support staff position and two financial analysts (accreditation). Changes in the Market Conduct Regulation and Consumer Affairs figures reflect vacancies.
Delaware: Administration changes reflect the reduction of support staff due to retirement, attrition, and some reclassifications. Licensing changes reflect the addition of a seasonal position.
District of Columbia: The 2017 Legal positions were overstated, and Market Conduct Analyst positions omitted. “Other” employees include health care policy analysts.
Florida: Changes are due to the reorganization and expansion of several departments and functions. All but one Receivership Personnel figure should have been classified as contract in prior years. “Other” personnel include employees in the Commissioner’s Office.
Georgia: There were several instances where a salary range was not provided in 2018 responses. In those instances, the NAIC used the 2017 range reported by Georgia. If that position category did not have employees in 2017 a similar position was used. For example, there were no P/C Actuaries reported in 2017, so the Life/Health Actuary salary range was used for the Property/Casualty Actuary salary range. The use of 2017 salary ranges impacted the following: Media; Public Policy; Human Resources; Revenue, Actuarial Staff, Financial Regulation supervisory staff, financial examiners, and captive/specialty insurer personnel; Market Conduct Regulation supervisory staff;
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Antifraud/Enforcement supervisory staff; and Licensing supervisory staff. Note the salary range used for producer licensing personnel was the same value as the company licensing personnel since there were none reported in 2017.
Hawaii: The additional personnel number reflects a count of one for the Commissioner which was not included in the 2017 count.
Idaho: “Other” employees include state fire marshal, inspectors, Idaho fire incident reporting system employees, plans reviewer, and technical records.
Illinois: Headcount totals include funded vacancies. Decreases in headcount reflect vacated positions not funded.
Indiana: “Other” includes patients’ compensation fund employees.
Iowa: “Other” employees include supervisor, compliance officer, field auditor, administrative assistant, executive officers and secretary.
Kansas: The Assistant Commissioner, Human Resources Director and Anti-Fraud Supervisor split their time between Department and Securities Commission duties. The actuarial staff supervisors consist of an Actuarial Examiner who manages outside contract actuaries and a Life/Health Supervisor who oversee the rate/form analysis function. A captive employee was added in July 2018. “Other” employees include assistant commissioner, executive assistant to the commissioner, the firefighter relief fund head and part time firefighter relief.
Kentucky: “Other” employees include undefined vacancies yet to be determined where needed.
Louisiana: The '”Other” full-time exempt category includes the Commissioner and internal auditor.
Maine: Several full-time positions were reclassified in 2018.
Massachusetts: “Other” employees include research analysts and administrative view officers.
Michigan: Antifraud figures reflect the addition of a new Fraud Investigation Unit in 2018.
Missouri: “Other” employees include research analysts and designated principal assistants.
Montana: Wages were based on 2018 market analysis. There were some position reclassifications. “Other” employees include appointed staff.
Nebraska: “Other” employees may include health care reform employees.
Nevada: “Other” employees include self-insured and workers’ compensation section staff. In order to be more efficient, the Division reorganized some sections which included moving some staff.
New Jersey: In 2018, the Office of Innovation, Strategic Planning and Policy was established and reported under the public policy position category. “Other” employees include administrative analyst, special projects director, research scientist, adjuster, and legislative liaison. Changes in personnel are attributed to a retirements, new hires, and attrition.
New Mexico: The Human Resources position was vacant as of year-end 2018. “Other” employees include federal grant employees, title, and patient compensation funds employees.
North Carolina: There was some reorganization within the department in 2018 as well as backfilling of some vacancies. “Other” employees include engineers, engineering technicians, and fire and rescue training instructors.
North Dakota: “Other” employees include underwriter, office assistant, deputy boiler inspector, chief boiler inspector, building appraiser and division director of special funds.
Northern Mariana Islands: “Other” includes a licensing officer.
Oregon: Oregon is organized with an Enforcement Section which includes most of the staff with Juris Doctorate degrees and are attorneys who work on insurance related cases. “Other” employees include retaliatory tax analysts, rate review analysts, budget analysts, reinsurance program analysts, operations coordinator, and travel coordinator. The Insurance Division and the Division of Finance and Corporate Securities merged in 2017.
Pennsylvania: “Other” personnel includes Special Funds Deputate.
Rhode Island: The variance from 2017 of financial examiners was due to turnover and reassignments. “Other” employees include a secretary and accountant.
Tennessee: While the number of FTE was reported as zero under the Administration section, the Media, Public Policy, Human Resources, Business Office, and Revenue staff are part of the larger Department of Commerce and Insurance Budget. Their time is spread across the whole of the Department, not just the insurance division. The Insurance division is charged 33% of the larger Department of Commerce and Insurance budget in an overhead charge.
Texas: The information security officer and the position’s support staff report to the Deputy Commissioner of Administrative Operations and are accounted for under “Other Administrative” personnel. Some changes are due to reorganization and reclassification. “Other” includes Information Specialists, Insurance Specialists, Program Specialists, Auditors, Statisticians, and Engineers.
U.S. Virgin Islands: NAIC included a count of one for the insurance commissioner.
Utah: “Other” employees include research consultants. Washington: “Other” employees include employees with
holding company duties. Personnel changes are attributed to restructuring. There were 246.1 budgeted full-time employees budgeted for OIC 2017-19.
West Virginia: “Other” employees include workers’ compensation and health policy-related positions. Personnel changes are attributed to resignations, retirements, and filling vacancies. The increase in financial examiners was due to increased workload.
Wisconsin: Office reorganization of bureau.
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66 Technical Notes
Wyoming: “Other administrative staff” includes the department’s accountant. “Other” employees include auditors and senior policy and planning analyst.
Tables 4–5 - Contractual or Intergovernmental Staff Alabama: Contractual/intergovernmental employees
include an attorney on loan from the governor’s office. Arizona: “Other” contractual/intergovernmental employees
include health care appeal external review, federal Affordable Care Act (ACA) consulting, paralegals, guaranty fund claims adjusting and guaranty fund financial audit employees.
Colorado: Contractual employees are no longer included in personnel.
Connecticut: “Other” contractual/intergovernmental employees include the IT manager assigned to the Department of Insurance.
Idaho: “Other” contractual/intergovernmental employees include paralegals, hearing officers, and court reporters.
Illinois: Contractual headcount based upon specific agency, division, unit and program need. It will vary fiscal year to fiscal year.
Indiana: “Other” contractual/intergovernmental employees include counselors for the senior health insurance program.
Louisiana: The Contractual/Intergovernmental Employee “Other” category includes information technology.
Maryland: “Other” contractual/intergovernmental employees include Process Manager, Special Project Coordinator, Administrative Assistants, Law Clerk Intern, and Health Insurance & Managed Care Policy Analyst.
Massachusetts: The Contractual/Intergovernmental Employee “Other” category includes mathematicians, information technology consultants and financial examination consultants.
Nevada: Two attorneys employed through the Attorney General’s office were assigned to work with the Division.
New Jersey: “Other” contractual/intergovernmental employees include individual/small employer health care employees and librarians. As of year-end 2018, contractual information systems personnel were no longer required. Criminal fraud investigators were employed by the Office of Insurance Fraud Prosecutor within the Department of Law and public Safety.
New York: “Other” contractual/intergovernmental employees include pension actuaries and property reorganization employees.
Pennsylvania: Other contractual/intergovernmental employees include business partners and contractors.
South Dakota: The increase in contractual/intergovernmental employees was due to additional staff needed to analyze captive insurance companies.
Texas: The Texas Commissioner as Receiver contracts with Special Deputy Receivers to manage receiverships. The contracts, however, are not with the state and the
special deputy or any other person with whom the liquidator (rehabilitator) contracts is not considered to be an agent of the state.
Washington: The Criminal Fraud Investigators category includes a detective with the Washington State Patrol. Also, the Office of the Insurance Commissioner (OIC) were represented by WA State Attorney General’s Office staff.
Wisconsin: The changes in use of actuaries were due to the normal variations in the examination schedule.
Budget and Funding Tables 7–9 - Insurance Department Budgets, Funding
and Expenses tables Alabama: Budget runs Oct. 1–Sept. 30. Funding is a
combination of dedicated and quasi-dedicated. “Other” budget category includes additional funds from new SAH program. The expense data reported in 2017 and later calculate department operation expenses differently than 2016 data and prior.
Alaska: The insurance division has a combination funding type. The division uses general funds (the legislature sets division budget) and an allowed carryover of $1 million annually. The “other” funding source includes federal funds. The “Administration & Regulation” category includes personnel costs.
Arizona: Funding is a combination of quasi-dedicated and other. The “other” is dedicated and non-appropriated. Specific amounts are collected and placed in a separate fund established for the Insurance Department. The department spends from the fund as needed. It must maintain a positive cash balance in the fund. Any cash balance remaining at the end of the fiscal year is available to the department during the subsequent fiscal year. The “Other” revenue category includes receivership and guaranty fund recoveries; and interest/investment income. Fees and assessments increased due to life/disability guaranty fund assessments. “Other” budget amounts received are receivership and guaranty fund recoveries and interest/investment income.
Arkansas: The Combination funding system allows for the balance in excess of one-year budget returns to state's General Fund every other year, while the funds are carried over every other year. Expense data is not captured at the level requested, therefore the figures given are a best estimate based on the categories the state does capture.
California: “Other” funding includes miscellaneous revenue (sales of documents, cost recovery, transfers and other adjustments). Budget includes federal and general funds. The methodology for calculating Funding Types and Sources was changed to a percentage of revenues rather than expenditures in 2018.
Colorado: Colorado has appropriated funding by the General Assembly. All corporate and producer licensing fees go into the cash fund to cover that appropriation. Whatever shortfall there may be is
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supplemented by an allocation of additional funds from the general funds to make up the difference. Colorado also receives funding from federal grants to cover the Student Health Insurance Plan (SHIP) program and the Rate Review Supplemental Program for the federal Affordable Care Act (ACA). “Other” funding includes federal grants for SHIP and from the U.S. Department of Health and Human Services (HHS) for rate review analysis under the ACA. Budget reduction reflects the spend out of some federal grants. Change in Fees and Assessments reflect fluctuation in statutorily required fees for revenue purposes.
Delaware: “Other” funding category includes NAIC grant and zone funds. Budget figures include Fraud budgets not included in prior years.
District of Columbia: The budget runs from Oct. 1–Sept. 30. Funding is combination; dedicated is used for insurance trust fund and quasi-dedicated is used for captive insurance.
Florida: “Other” funding includes cost good/services refunds, interest, royalties and transfers.
Georgia: “Other” funding includes federal funds. Guam: The fiscal budget year is Oct. 1–Sept. 30, e.g. fiscal
year 2019 is Oct. 1, 2018 – Sept. 30, 2019. Hawaii: “Other” funding includes interest earned and
premium tax on captive insurers. Idaho: “Other” funding includes federal grant funds.
Funding is quasi-dedicated. Illinois: Budget reflects proposed budget submitted to the
Illinois State Assembly. “Other” funding includes U.S. Department of Health and Human Services (HHS) federal Affordable Care Act (ACA) federal grants. The percentage of the budget will decrease as grants expire.
Iowa: Funding includes quasi-dedicated funding. Kansas: Office of the Kansas Securities Commissioner
merged with the Kansas Insurance Department July 1, 2017.
Kentucky: Budget projections are based on previous years and increase in revenue. Funding is a combination of funds that are restricted but can be reallocated to a general fund if needed. “Other” funding includes federal grants. The department is mostly funded by fees and assessments.
Louisiana: Funding is a combination of dedicated and quasi-dedicated. “Other” funding includes federal funds, auto theft funds, interest income from the federal Health Insurance Portability and Accountability Act (HIPAA), and auto theft funds.
Maryland: “Other” funding includes federal grants. Massachusetts: Funds are appropriated by the legislature;
assessments levied on the industry are shared between the insurance department and the state general fund. The Division of Insurance receives its budget from the general fund but is generated from fees and assessments received. The fiscal year 2020 is July 1, 2019 to June 30, 2020.
Michigan: The budget year runs from Oct. 1–Sept. 30. Minnesota: Funding is a combination of general, quasi-
dedicated and dedicated.
Mississippi: The legislature changed the law to fund the agency out of the state general fund starting with FY 2017.
Missouri: “Other” funding includes federal grants. Montana: Fines and penalties vary from year to year and
decreased in FY 2018. “Other” revenues include miscellaneous and conference revenues.
Nevada: The FY 2019 estimate reported in the 2017 IDRR did not include non-executive budgets. “Other” funding includes special services, recoveries, miscellaneous revenue, treasurer’s interest, appropriations and prior year revenue.
New Jersey: Funding is quasi-dedicated. Funding and spending governance are part of the general fund but dedicated to the Department. There is no surplus to the general fund; actual expenses equal the assessments. Only the assessments support the insurance department’s budget; fees go to the general fund. Note the 2017 IDRR reported budget amounts (FY2018 approved and estimated FY2019) and prior fiscal year responses to the budget did not include antifraud/enforcement personnel and contractual/intergovernmental employees, which was included in 2018 (FY 2019 approved and estimated/forecasted FY 2020) responses. Regarding proportion of expenses, only the assessments support the insurance department’s budget, the fees go to the general fund.
New Mexico: Funding is a combination of dedicated, quasi-dedicated and trust fund. Part of the funds remain dedicated in the form of fund balance that can be utilized in future fiscal years, while some funds revert to the state's general fund. It depends on the type of funds and legal authority. However, any deviations from the appropriation must be done through a budget adjustment request approved by the Executive and Legislature. “Other” funding includes direct and indirect federal grants, fund balance, and miscellaneous revenue.
New York: The budget runs April 1–March 31. North Dakota: One million is carried over, and the
remainder is transferred to the general fund. “Other” funding includes federal grants for the State Health Insurance Counseling Program (SHIC).
Northern Mariana Island: The Insurance Section is only a part of the Department of Commerce's Budget. The reported figures are estimates based on personnel and operations expenses. Budget year runs Oct. 1-Sept. 30.
Ohio: “Other” funding includes federal grants. Oklahoma: “Other” funding includes federal grants. The
department became non-appropriated in 2016. Oregon: “Other” funding includes examination fees, testing
fees, interest income and rebates. Oregon has a biennial budget from 7/1/2017 to 6/30/2019. As of publication the 7/1/2019 – 6/30/2021 biennium was not yet approved as of data collection.
Pennsylvania: Passing of the Pennsylvania General Assembly Act of July 2, 2013 provided for dedicated funding to the Department of Insurance (DOI). At the
© 2019 National Association of Insurance Commissioners
68 Technical Notes
end of the fiscal year, the fund shall retain an amount equal to not more than 100% of the total expenditures and commitments by the department from the fund in the immediately preceding fiscal year. If the balance in the fund at the end of the fiscal year exceeds the retention amount, then that amount of the fund that exceeds the retention amount shall be lapsed and deposited in the general fund within 30 days of the end of the fiscal year. “Other” funding includes recoupment of costs related to special funds.
Puerto Rico: “Other” funding includes sales of publications, seminars, copies, and miscellaneous.
Rhode Island: Funding is a combination of general and dedicated funding. “Other” funding includes taxation funds.
South Carolina: The same budget was requested for fiscal year 2020 and no federal budget expected for 2020. Funding is a combination of general fund, earmarked and restricted. “Other” funding includes donations, investment earnings, refunds and miscellaneous.
Tennessee: The funding system is 100% of current service revenue beginning in FY 2006. The insurance division does request funds from the state general fund for the operations of the captive section. Those funds are generated by the captive section that go directly to the state general fund and then are requested back for operations of said section.
Texas: The budget runs Sept. 1–Aug. 31. “Other” funding includes federal funds, Texas Sure, Subsequent Injury Fund, interagency contracts and third-party reimbursements.
Washington: “Other” funding includes federal grants. Wisconsin: Wisconsin is allowed to keep a cash reserve of
10% of expenditure level; the rest goes to the state’s general fund.
Table 10 - Revenues Alabama: Fines collected in the prior year reflected a large
settlement. “Other” Revenue increase includes transfers, reimbursements of overpayments, and prior year adjustments.
Alaska: For consistency purposes, total taxes include retaliatory although Alaska considers this a fee. “Other Revenues” contains a new, as of fiscal year 2017, third party collections fund outside of regular fees and assessments. Fines/penalties fluctuate based upon the number of non-compliance issues that occur during a given year. The increase in this category reflect a third-party reimbursement that began in 2017.
Arizona: Total taxes paid by insurers in 2017 include workers’ compensation taxes paid to the Industrial Commission of Arizona. "Other revenues" increased due to life and disability insurance guaranty fund assessments.
California: The amount collected in fines and penalties each year will vary depending on the number of cases that settle, the size of the settlement and any costs recovery or restitution included in the settlement.
Colorado: Fines and penalties vary year to year and are dependent on market conduct, producer licensing and investigations, and other actions. Other revenues include federal grants, some of which were drawn down for ACA related projects in 2018.
Connecticut: Revenues reflect only collected Surplus Lines amounts.
District of Columbia: The collections are unpredictable. They change based on the number of and type of violations.
Florida: For Fiscal Year 2016-17, the fines and penalties were a lot higher due to one particularly large fine that was imposed on an insurance company.
Guam: There was no revenue data available as of publication of this report and has not been reported since 1994.
Idaho: There was a reduction in fines and penalties but an increase in settlement agreements during fiscal year 2017.
Illinois: Fine and Penalty Revenue decreased as a result of fewer producer fines. Other Revenue increased due to interest income received from late payment of taxes and fees.
Louisiana: The variance decreases for Fines and Penalties collected in 2018 are due to 1) an overall decrease in collections for producer licensing fines for "Failure to File Timely" and "Invalid/Bad Address" 2) the receipt of a single multi-state examination settlement over $1 million in 2017 compared to multi-state examination settlements of $700,000 in 2018; 3) penalties for taxes of $1.5 million in 2017 compared to a net $942,000 credit in 2018 resulting from the waiving/refunding of a penalty for taxes paid in 2017, but refunded in 2018. The variance in Other Revenues Collected in 2018 are due to 1) income not available collections of $8,000 in 2018 compared to $600,000 in 2017 due to accounts receivable collections from prior fiscal years and 2) draws for federal funds of $165,000 less in 2018 than 2017 due to the expiration of a federal grant in September, 2016.
Michigan: Total taxes paid by insurers in 2018 included taxes collected outside the department (i.e., retaliatory taxes collected by the Department of Treasury). Prior year NAIC IDRR survey reports did not include this data. The FY 2017 total taxes paid by insurers should have been 643,615,924. Fines and penalties are actual amounts collected during the fiscal year.
Minnesota: Fine revenue in 2018 was lower than 2017 due to inclusion of a large fine. Note fines and penalties will vary from year to year.
Missouri: Revenue reported may consist of late fees, settlements, and voluntary forfeitures. These fees are unpredictable in nature.
North Carolina: The decrease in fines from FY 2017 to FY 2018 was a result of some large fines/penalties collected in 2017 and not collected in 2018.
Northern Mariana Islands: Revenues are reported for calendar year 2018. Note 2017 revenues did not have a
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2018 Insurance Department Resources Report 69
basis provided. Revenues were reported starting in 2016.
New Jersey: Fine and penalty collections vary with the violations committed by insurers and other licensees.
Oregon: Total fees and assessments are up dramatically due to the addition of the Health Reinsurance Fund which levies a 1.5% assessment on health insurance premiums in accordance with HB 2391 (2017 session). Fines and penalties can vary significantly from one year to the next due to the amount of insurer or producer infractions. Other revenues are up mainly due to an increase in interest earnings from a higher fund balance due to the Health Reinsurance Fund.
Pennsylvania: Fines and penalties are unpredictable depending on the issue being evaluated. “Other” revenue for expenses related to examinations, federal funds and miscellaneous reimbursements to the department.
Rhode Island: The revenues reported in this report are on a fiscal year 2018: July 1, 2017 – June 30, 2018. Over the last few years the insurance companies were required to make their estimated payment for the full calendar year in March and June. There were no payments due for the period July through December. This goes back to when there was a budget shortfall and the legislature imposed an acceleration of estimated payments. That is being unwound and taxpayers now make four estimated payments in April, June, September, and December. See statute § 44-26-2.1.
South Carolina: The change in fees and assessments is related to biennial licensing. The change in fines and penalties was due to less activity.
South Dakota: There were fewer fines and penalties issued during fiscal year ending June 30, 2018 than were in the fiscal year ending June 30, 2017.
Tennessee: In 2017 there was a large refund due to a retaliatory settlement which caused the appearance of a large increase in fines/penalties in 2018 compared to 2017.
Vermont: Total fees and assessments decreased from 2017 to 2018 due to producer licenses being due every other year.
Washington: Fines and penalties vary based on consent orders and licensing late fees.
West Virginia: The “Other” revenue collected reduced in 2018 due to the department no longer receiving Severance Tax and the department’s portion of the Video Lottery revenue was reduced by 50% from 2017.
Wyoming: Starting in 2017, electronic late fees were included in the fine and penalty category.
Examination and Oversight Tables 11–13 - Number of Regulated Entities, Domestic and Foreign Insurers by Type Alabama: “Other” domestic insurers include prepaid dental
services corporations and a prepaid legal services corporation. “Other” foreign insurers include prepaid legal services corporations.
Alaska: “Other” domestic insurers include Multiple Employer Welfare Arrangement (MEWA), some of which are not required to report to the NAIC. “Other” foreign insurers include automobile service companies.
American Samoa: The count of domestic and foreign insurers was provided by the NAIC. These are company counts by type of annual statement filed.
Arizona: “Other” domestic and foreign insurers include life care providers.
Arkansas: “Other” domestic insurers include Farmers Mutual Aid Associations (FMAA) and Risk-Based Provider Organizations. “Other” foreign insurers include pre-paid legal insurers. “Other” non-filing domestic insurers include FMAA.
California: “Other” domestic insurers include home protection insurers that do not file with the NAIC. Health count is not provided, as in prior years. Health company counts are available from the California Department of Managed Health Care (CADMHC). There were 113 companies from CADMHC with written premium used for premium volume in 2018 IDRR Volume II as of June 10, 2019. Of companies that filed written premiums with the NAIC, 12 domestic companies filed 2018 health written premium in annual statements and 381 foreign companies filed 2018 health written premiums.
Delaware: “Other” domestic insurers include reinsurance trusts and workers’ compensation trust.
District of Columbia: The foreign health insurer count for 2016 should have been 12.
Florida: “Other” domestic and foreign insurers include continuing care retirement communities (CCRC), home warranty associations (HWA), motor vehicle manufacturers (MVM), motor vehicle service agreement companies (MVSAC), premium finance companies (PFC), legal expense insurers, service warranty associations (SWA), viatical settlement providers and reciprocal exchanges. In addition, “Other” foreign insurers include life expectancy providers (LEP), IICI and service warranty manufacturers (SWM). In addition, “Other” foreign insurers include new categories not included in prior years.
Georgia: “Other” domestic insurers include county mutual insurers, multiple employer welfare arrangements (MEWAs), inter-local risk management agencies (IRMAs) and auto self-insured.
Guam: “Other” foreign insurers include 12 surety insurers and 11 approved reinsurers.
Hawaii: “Other” domestic insurers include guaranty associations and dental insurers.
Idaho: “Other” domestic insurers include a county mutual insurer. “Other” foreign insurers include advisory and ratings organizations.
Illinois: “Other” domestic insurers include 50 farm mutual insurers and two mutual holding companies. “Other” foreign insurers include alien accredited reinsurers (foreign and alien), and alien fraternal.
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Indiana: “Other” domestic insurers include seven reciprocals and 29 farm mutual insurers. “Other” foreign insurers include 19 reciprocals.
Iowa: “Other” domestic insurers include state mutual insurers, county mutual insurers and benevolent associations.
Kansas: “Other” domestic insurers include non-profit dental service corporations and prepaid dental service plans. “Other” foreign insurers include prepaid legal and prepaid dental.
Kentucky: “Other” domestic insurers include assessment companies.
Louisiana: “Other” domestic insurers include nonprofit, service, guaranteed auto protection and vehicle mechanical breakdown. “Other” foreign insurers include reinsurance (accredited, certified, and trusteed) and vehicle mechanical breakdown. As provided for under Act No. 592 of the 2018 Regular Session, a large number of vehicle mechanical breakdown insurers elected to be regulated by the Louisiana Secretary of State rather than the Louisiana Department of Insurance.
Maine: Domestic and foreign insurers were reported in incorrectly in 2018. There should be one life/annuity insurer and five health insurers for a total of 20 domestic insurers. There should also be 704 property/casualty insurers and 16 title insurers for a total of 1,158 total foreign insurers.
Maryland: Some foreign insurers were double counted in life and health, annuities, and health in prior years. This was corrected in 2018.
Massachusetts: “Other” foreign insurers include service contract providers and life settlement providers.
Michigan: “Other” domestic insurers include a cooperative, one dental care company, and two farm mutual insurers.
Minnesota: “Other” domestic insurers include township mutual insurers.
Mississippi: “Other” domestic insurers include blood plans and legal expense. “Other” foreign insurers include auto clubs.
Missouri: “Other” domestic insurers include farm mutual companies, surplus lines carriers, and multiple employer welfare arrangements (MEWAs).
Montana: “Other” domestic insurers include multiple employer welfare arrangements (MEWAs). “Other” non-filing domestic insurers includes single state farm mutual insurers and MEWAs.
Nebraska: “Other” domestic insurers include assessments (county mutual) and associations. “Other” foreign insurers include two prepaid limited health and two prepaid dental.
Nevada: “Other” domestic insurers include one premium finance and two motor clubs. “Other” foreign insurers include 29 premium finance and 21 motor clubs. The increase in the number of foreign health insurers was due to companies applying for expansion in the state.
New Mexico: “Other” domestic insurers include prepaid dental. As of July 1, 2017, NM OSI started using NAIC
SBS system and some of the data is combined. For example, Title is included in Casualty also accident is included with health. NM had a total of 1,323 foreign insurance companies in 2018. In the 2016 and prior reports the department was able to separate each LOB.
New York: “Other” domestic insurers include charitable annuity societies, retirement systems, welfare funds, life settlement providers, continuing care retirement, municipal cooperatives, prepaid health services plans, and student health. “Other” foreign insurers include charitable annuity societies and life settlement providers.
North Carolina: The state adopted legislation in October 2013 allowing the licensing of North Carolina domestic Risk Retention Group. The number of licensed domestic health insurers increased adding three Health Maintenance Organization (HMO) companies. Note the purchasing groups reported in 2018 were not new but had not been reported in the 2017 report. There should have been 4 purchasing groups reported in the 2017 report.
North Dakota: “Other” domestic insurers include 11 county mutual insurers and two surplus lines. “Other” foreign insurers include four prepaid legal services and five reciprocals.
Ohio: “Other” domestic insurers includes credit union share guaranty, multiple employer welfare arrangements (MEWAs), and mutual protectives. “Other” foreign insurers include reciprocal exchanges.
Oklahoma: “Other” domestic insurers include mutual benefit associations, nonprofits and prepaid dental. “Other” foreign insurers include certified reinsurers and reciprocals. There were two exempt multiple employer welfare arrangements (MEWAs) not included in 2017 IDRR that were included in 2018.
Oregon: “Other” domestic insurers include exempt companies and multiple employer welfare arrangements (MEWAs). “Other” foreign insurers include exemptions, MEWAs, legal expense organizations and life settlement providers.
Puerto Rico: “Other” domestic insurers include international insurers (Chapter 61 of the insurance code of Puerto Rico).
Rhode Island: “Other” domestic insurers include Automobile Insurance Plan. “Other” foreign insurers include various reinsurers.
South Dakota: “Other” domestic insurers include farm mutual insurers and a multiple employer trust.
Tennessee: The change in the count of health companies is due to only including HMOs and Health Plans in 2017, whereas in 2018 other health insurers such as MEWAs were included. “Other” domestic insurers include county mutuals and limited capital reinsurers. The Non-filing domestic insurer count for 2017 had included captives that should have been reported in IDRR Volume Two instead of Volume One. For 2018, these captives were reported in Volume Two resulting in a decrease. “Other” non-filing domestic insurers includes county mutual insurers.
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Texas: “Other” domestic insurers include exempt associations, mutual aids, mutual burial and legal services. “Other” foreign insurers include exempt associations.
U.S. Virgin Islands: Count of domestic was companies provided by the NAIC.
Utah: “Other” domestic and foreign insurers include guaranteed asset protection (GAP) waiver, home warranty, independent review, professional employer organizations. Additionally, “Other” foreign insurers include motor clubs and life settlement providers. The increase in “All Other” foreign insurers is from new Professional Employer Organizations (PEOs) being licensed in 2018.
Vermont: “Other” domestic insurers include continuing care retirement communities (CCRC), surplus lines (SL), and Statutory Insurance Trust. “Other” foreign includes mortgage guaranty insurers (MGI), reciprocals and life settlement providers. The decrease in other category because this was the first year that purchasing groups have been excluded from the total for this category.
Virginia: “Other” domestic insurers include legal service plans, P/C county mutual and burial society.
Washington: “Other” domestic and foreign insurers include multiple employer welfare arrangements (MEWAs).
Wisconsin: “Other” domestic insurers include continuing care retirement communities, warranty plans, service contract providers and care management organizations. “Other” foreign insurers include motor clubs, service contract providers, vehicle protection product plans, life settlement providers and continuing care retirement communities.
Wyoming: “Other” foreign insurers include service contract providers and Mechanical Breakdown Insurance Organizations (MBIOs).
Tables 14–17 - Financial and Market Conduct Exams and Examined Entities Tables Alaska: There was a correction to the number of financial
exams reported in 2017. The number of domestic statutory financial exams should have been 2, thus totaling 2 financial exams in 2017.
Arkansas: The number of financial exams completed in 2017 should have been 1. The number of combination financial/market conduct examinations in 2017 should have been 12 instead of 9.
California: Increased examination numbers do not reflect a change in operations.
Illinois: Of the 39 market conduct examinations started, 28 were completed in 2018.
Louisiana: Financial examinations in 2018 exclude coordinated exams where Louisiana was not a lead state.
Maryland: The Administration performs a financial examination every five years. In 2017, the Department adjusted their examination schedule to coincide with other states to perform more efficient multi-state coordinated examinations.
Michigan: Administrative oversight as three premium finance company examinations were not recorded in the Market Action Tracking System (MATS).
Minnesota: The department examines on a five-year rotation and there were fewer examinations due in 2016-2018 compared to 2015. Total exams do not match FEETS due to single state assessment associations and HMOs not being called in FEETS. There are entities that do not file with the NAIC and therefore were not called through FEETS. The increase in financial exams increased in 2018 compared to 2017 dye tin ire exams during the annual cycle.
Mississippi: As of 2013, statutory examinations are conducted on a five-year cycle. Previous years were completed on a three-year statutory cycle.
New Jersey: Financial examinations are based on either a 3-year or 5-year cycle. Examinations can and will be cyclical, and the total number of examinations can vary year to year.
New York: Because financial exams are conducted on a three to five-year statutory cycle and multistate exams are scheduled in coordination with other states, the number of exams that close during a given timeframe fluctuates. Due to timing and the cycle of exams there were more examinations completed in 2018 compared to 2017 for exams that were financial in nature and market conduct in nature.
North Carolina: Market Conduct (MC) Examinations are called whenever the Department deems it to be prudent for the protection of policyholders or the public. Domestic companies are not confirmed for a MC examination on a yearly basis. Therefore, the number of MC exams on domestics will vary from year to year.
Ohio: The increase in the number of financial exams was due to examining several large groups in 2018 compared to 2017. The decrease in market conduct examinations in 2018 was a result of less issues with domestic insurers during the year.
Pennsylvania: Examinations are completed based on the Pennsylvania statutory five-year exam requirement. The department numbers will NOT match FEETS because it does not typically call single state exams in FEETS, nor is there a way to call organizational exams to meet the 90 days FEETS requirement.
Puerto Rico: While no financial exams were completed in 2018, there were exams in progress as of year-end 2018.
Rhode Island: The number of domestic financial exams completed during any given year will fluctuate based upon the state’s five-year rotating exam schedule and the total staff hours needed to complete both large and small exams.
South Dakota: The number of financial exams increased due to completing a majority of farm mutual insurance companies’ examinations in 2018.
Texas: Market conduct examinations are not predetermined or scheduled. Examination candidates are identified through market analysis work, which includes a review of different market information and data in order to
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72 Technical Notes
identify potential compliance issues. TDI conducts combination financial/market conduct exams. The increase in combination exams from 2017 was due to more companies being examined in the examination cycle as a result of coordination with other states. This in part, was driven by industry merger and acquisition activity.
Utah: More examinations were completed due to full staffing of the Examination Division.
West Virginia: W. Va. Code §33-2-9 states that the commissioner or his or her examiners shall at least once every five years visit each domestic insurer and thoroughly examine its financial condition and methods of doing business and ascertain whether it has complied with all the laws and regulations of this state. Market Conduct exams vary from year to year based on market conditions, complains, and statutory requirements. Market conduct examinations on self-insured groups are not included on MATS.
Table 18 –Market Actions This table includes completed non-exam market actions and counts of entities included in those actions. Idaho: The Administrative Order count includes consent
orders issued on multi-state penalties or fines, two actions were the result of a complaint investigation and a cease and desist issued by the legal section.
Louisiana: Financial/Regulatory Other Actions include cease and desist, fines or consent orders.
Missouri: The state of Missouri may have an Order grouping several companies of one group together, but each company has its own individual exam number and is examined separately.
Rhode Island: Note variances are minimal and the number of actions vary from year to year.
Texas: For 2018, 94 of the 100 actions reported in this table were combination financial/market conduct exams. Therefore only 6 were non-exam action.
Table 19 – Actions Taken Against Companies for Financial/Regulatory and Market Conduct Arizona: Other Actions include Cease and Desist Orders for
an unlicensed service company and Consent Orders for qualified health plans.
Colorado: Included in other actions are fines for violations of Reg. 1-1-8 for failure or delay in responding to Division inquiries.
Idaho: More Market Conduct exams were closed in 2017 leading to this increase.
Nevada: “Other” financial/regulatory actions include Consent to Fines issued for late payment of fees and assessments.
Texas: Data is not collected on judicial orders. “Other” actions under market conduct include commissioner/public hearings, State Office of Administrative Hearings (SOAH) (agents) and Texas Windstorm Insurance Association (TWIA) appeals.
West Virginia: Actions against companies are case by case and can vary widely from year to year.
Wyoming: The 21 “Other Actions” reported in the 2017 IDRR under Financial/Regulatory should have been listed under “Other Actions” in the Market Conduct section.
Table 20 - Formal Hearings Alabama: “All Other” Hearings include fire marshal
hearings. Illinois: “Other” hearings include producer disciplinary
hearings. Indiana: “Other” hearings include producer hearings,
including bail and recovery agents. Massachusetts: “All other” formal hearings includes three
residual market matters, 11 enforcement, one dental service plan and one Medicare supplement plan.
Nevada: “Other” hearings include licensing violations, regulation workshops, and regulation hearings. Nevada's Legislature is in session only during odd years. During those years, regulations are being revised so hearings are not held as often. In even years, following the Legislative session, hearings regarding regulations are held more frequently.
New Jersey: Note the number of acquisitions can vary from year to year.
New York: “Other” formal hearings include agency and/or broker disciplinary hearings.
North Carolina: “Other” hearings may include agent and bail bondsman licensure and disciplinary hearings, rate hearings, and other administrative matters and appeals.
Oklahoma: “Other” hearings include licensing and bail bondsmen.
Pennsylvania: “Other” hearings include insurance policy terminations and a mixed variety of cases under the commissioner’s jurisdiction.
South Dakota: The number of hearings increased in 2018 due to some domestic insurers having hearings as part of a change of control Form A filing.
Texas: “Other” hearings include commissioner, State Office of Administrative Hearings (SOAH) (Agents) and Texas Windstorm Insurance Association (TWIA) appeals.
Utah: “Other” includes evidentiary hearings. Virginia: “Other” hearings include Agent Hearings. Washington: “Other” hearings include producer licensing
hearings. These numbers did not account for review of Pharmacy Benefit appeals.
West Virginia: Hearings are held on an as-needed or as-reviewed basis and may vary year to year.
Wyoming: “Other” hearings include agency hearings.
Tables 21 - Supervisions, Receiverships, and Companies in Run-Off Colorado: Amount reported in 2017 as a Receivership-
Liquidation represented the anticipated total cost of the receivership of a single entity, which was assigned to the guaranty fund in 2018.
Idaho: Market actions, other than market examinations, include all non-regulatory interventions and focused inquiries closed in 2018.
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Massachusetts: The in-progress receiverships-rehabilitations should have been a count of three instead of two in 2017.
Nevada: The increase in the liability amount of run-offs is the result of several receivership estates reaching the latter stages of their administration when the total liabilities were finally able to be determined. Note this can take several years to get to in the receivership process.
Oregon: The 2 in-progress “Receiverships – Conservations/Supervisions” as of year-end 2017 should have been reported as 1 instead of 2.
Rhode Island: The companies in receivership were winding down operations and thus reduced reserves.
South Dakota: The liability amount for the runoff initiated in 2018 was not available as of publication of this report.
Texas: Note there were two companies not previously reported in 2017 which were included in 2018 under the Receivership – Liquidations category.
Washington: Liability for supervisions is not disclosable. Wisconsin: There were three in-progress run-offs as of year-
end 2018 and should have been reported in 2017.
Insurance Producers Table 22 - Licensed Producers by Type Alaska: Some categories are significantly different due to
the way they were counted in 2017 compared to 2018. For 2018, Adjusters includes all reinsurance license types. “Other” includes Exempt Motor Vehicle Employees, Motor Vehicle Service Contract entities, and Viatical Settlement licensees. Managing General Agent (MGA) numbers are significantly higher in 2018 because exempt MGA licenses were not counted in 2017. Third-Party Administrators (TPAs) increased in 2018 because Alaska passed legislation requiring pharmacy benefit managers (PBMs) to register as a TPA in the state. Bail Bonds decreased in 2018 because several firms went out of business.
Arizona: The “Other” non risk-bearing organizations category did not include service companies or motor vehicle service contract programs in 2016 and prior reports that are included in 2017 and later.
Arkansas: The “Other” licensed producer/adjuster and non risk-bearing organizations may include continuing care, professional employer organizations (PEO) and exempt PEOs.
Colorado: Bail bonds are licensed as casualty producers in Colorado.
District of Columbia: “Other” licensed producers were individual and business entities with title insurance licenses and “Other” non risk-bearing organizations were domestic and foreign risk purchasing groups.
Georgia: The number of non risk-bearing organizations in the utilization review category was not available for 2018 as of publication of this report.
Guam: Prior to 2017, the number of licenses held was counted as opposed to the total number of individuals/entities licensed.
Florida: Starting July 1, 2018, the Managing General Agent (MGA) License was no longer available. Individuals wanting to act in the capacity of an MGA are now required to get an MGA appointment by an insurer under a General Lines (P&C), Life, Health or Limited Surety (Bail Bond) agent license. As of Dec. 31, 2018, there were 512 MGA appointments on record.
Hawaii: The 2017 Licensed Individual Insurance Producers total should have been 57,144 (Combined Resident of 7,682 and Non-Resident of 49,462). The 2017 Licensed Business Entities Total should have been 4,310 (Combined Resident of 622 and Non-Resident of 3,688). The 2017 Producer Licenses should have been 61,454, Surplus Lines Broker Licenses should have been 1,957 and Other should have been 125. The number of insurance producers increased due to more recruitments/appointments.
Idaho: Rating/Advisory organizations were over-reported in 2017.
Illinois: Adjuster licenses increased due to increased numbers of construction and roofing companies now licensed as Adjusters.
Indiana: “Other” non risk-bearing organizations include medical claims review agents (MCR), reinsurance intermediary managers (RIM), professional employer organizations (PEO), preferred provider organizations (PPO), and reinsurance intermediary brokers (RIB).
Kansas: “Other” individuals/entities include viatical, auto club, pharmacy benefits manager.
Maine: “Other” Licensed Producers/Adjusters are consultants.
Maryland: Rating/Advisory and Managing General Agent data was not available as of the publication date of this report.
Missouri: “Other” non risk-bearing organizations may include discount medical plans, life care facilities, reinsurance intermediaries, statutorily created entities and service contract providers.
Nebraska: The 2018 increase over 2017 in non risk-bearing organizations of rating/advisory were mostly advisory organizations, statistical agents, or both.
Nevada: The number of licensed producers/adjusters reported in 2017 did not include business entities which are included in the 2018 data. The “other” non risk-bearing organizations include independent review organizations.
New Jersey: Regarding Licensed Producer/Adjusters, the decrease in 2018 from 2017 in bail bonds was due to legislative changes in criminal law which lowered the need for bail bonds.
New Mexico: “Other” licensed producers/adjusters may include motor club representatives, insurance consultants, and viatical brokers.
Oregon: “Other” categories may include self-service storage, vehicle rental, portable electronics, consultant, life settlement brokers, life settlement investment agents, and temporary producers.
Rhode Island: The decrease in the individual entities counted in the “Other” category of Licensed
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Producers/Adjustors section was reclassified to Producer or Adjuster categories.
South Dakota: The large decrease in the number of licensed business entities in 2018 compared to 2017 are due to a business renewal law becoming effective in 2018.
Utah: The 50% reduction in "Other" licensed producers/adjustors from 40 to 20 represents a reduction in licensed Navigators due to the wind-down of the operations of Utah's Avenue H small employer health exchange effective July 1, 2018 resulting from legislation passed during the 2017 legislative session.
Wisconsin: Other Licensed Producers/Adjusters include Life Settlement Firm, Life Settlement Individual, Travel Insurance Firm, Navigator Business Entity, and Navigator Individual.
Wyoming: “Other” non risk-bearing organizations include preneed, rental car, portable electronic devise, travel and baggage, reinsurance intermediary brokers, reinsurance intermediary managers, and consultants. The decrease in the “Other” non risk-bearing organizations was due to a law change repealing Motor Club licensing for individuals and entities. Motor Clubs licenses were discontinued effective July 1, 2018.
Table 23 – Actions Against Producers Alaska: As of publication, several administrative actions
from 2018 are still pending and not reflected in the number of actions and fine amounts.
Colorado: The 2018 increase in suspensions reflects more warning letters to producers. The increase in 2017 suspensions from child support suspensions normalized in 2018.
Delaware: Late fees on license renewals are classified as fines and the number of license renewals increases bi-annually with non-resident renewals. Non-resident licensees are required to renew by February of every odd year. Resident licensees are required to renew by February of every even year. Delaware producer suspensions are defined as temporarily barring the privileges of an insurance license or licenses for a maximum of 12 months, which would include expired licensees, who may reinstate their license within the 12 months by paying an administrative penalty. The number of suspensions included in-actives, non-renewals, etc.
District of Columbia: The increase in revocations reflects better tracking. The increase in fines reflects normal variations.
Florida: Variations in workflow and work type can significantly affect the type of actions taken and total amount of restitution required.
Idaho: “Other” regulatory actions represent two consents, two denials, and three supervised licenses.
Illinois: The increase in suspensions and revocations is due to a new process of handling producers who fail to pay state taxes or child support. The new law regarding "Felonies" in 2018 is the reason for the decrease in denial orders. Total fines decreased due to an unusually large fine paid in the prior year.
Kentucky: "Other" total may include enforcements issued for Orders of Probation for one or two-year terms.
Maryland: The number of fines and restitutions represents the number of orders issued by the Enforcement Unit.). An order issued by the Enforcement unit may include a penalty and/or restitution.
Michigan: Enforcement actions resulted in market conduct settlement payments. Other actions increased due to special Designated Responsible Licensed Persons (DRLP) project.
Minnesota: The number of revocations and cease & desist orders are dependent on type and severity of violation determined during an investigation and may vary year to year. The increase in number of fines and other actions for 2018 increased over 2017 was due to investigations relating to continuing education (CE) non-compliance at time of renewal.
Missouri: The “Other” includes voluntary license surrenders. The large increase in restitution in 2018 over 2017 was due to several larger than normal returns to consumers related to improperly placed annuities, escrow funds held in title insurance files, and home service contracts/warranty files.
New Jersey: The number of denials will vary from year to year based on the number of applicants who fail to meet our standard qualifying requirements. The changes in enforcement action figures reflect the frequency and severity of the violations concluded in 2018.
Ohio: The "Other" category includes insurance licenses that were surrendered for cause. The decrease in revocations was due to a process change initiated by the Department’s Legal Division in 2018 whereby the applicable license is suspended instead of revoked. There was a decrease in the total case volume of all types, resulting in the reduced number of denials.
Oklahoma: “Other” actions against producers may include bail bond matters, denials, suspensions, revocations, and censures.
Oregon: Other actions include licenses issued on a probationary basis. Fines and fees can change dramatically from one year to the next.
South Carolina: Other actions include warning letters. South Dakota: The results include miscellaneous entities
such as third-party administrators (TPAs), discount medical plan organizations (DMPO), etc.
Virginia: The high number of revocations came as a result of a change in the Code of Virginia requiring agencies to name a Designated Licensed Producer, and many agencies failed to comply with the new requirements. The difference in fine amounts varies by the number of types of cases concluded in a given year.
Wyoming: The difference in fees relates to the nature of actions and an increase in cases that were settled for the investigation fee during 2018. These will vary from year to year. "Other" actions include settlements, memorandums of understanding (MOUs), consent orders, withdrawal of licenses, and suspensions of new business.
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Consumer Services and Antifraud Table 24 - Consumer Complaints and Inquiries District of Columbia: The increase in inquiries reflects
better tracking. Idaho: Starting with 2017, consumer complaints opened
does not include health external reviews. Louisiana: As of 2013, inquiries are no longer tracked. Massachusetts: January call data was unavailable. Total
figures include estimated number of calls based upon the remaining 11 months.
Nevada: Complaint data is available upon request by consumers.
North Carolina: Complaint data is not posted to the department website; however, consumers may request aggregate complaint data. The 2018 decrease from 2017 of the number of inquiries relates to a transition to a new reporting database during 2018 which was unable to capture outstanding inquiry that was reportable for the 2017 data.
Ohio: The Ohio Senior Health Information Program conducted outreach events at county fairs during 2018, which had not been done previously. This resulted in the significant increase in inquiries.
Oklahoma: The 2017 values should have been 2,985 (instead of 4,558) complaints and 19,605 (instead of 21,873) inquiries.
Pennsylvania: The decrease in the number of inquiries is related to the department’s robust outreach and comprehensive information available on the department’s website.
Rhode Island: The 2017 number of inquiries was overreported due to inclusion of general consumer assistance, which was not included in the reported number of inquiries in 2018.
South Dakota: The department does not track inquiries as they are defined in the report.
Utah: The Health & Life Division implemented a new reporting process which resulted in more rigorous statistical data.
Vermont: The reduction in inquiries was due to fewer Affordable Health Care inquiries based on consumers becoming more educated over the past two years. This is primarily due to the public understanding the Department regulates Insurance Carriers not enrollment centers.
Wisconsin: Inquiries include phone calls received, emails received and requests for information and referrals.
Table 25 – Fraud Investigation Michigan: The Fraud Investigation Unit was established in
September 2018. Massachusetts: The Insurance Fraud Bureau (IFB) of
Massachusetts, separate from the Department of Insurance, is a unique and multifaceted investigative quasi-governmental agency authorized by an Act of the Massachusetts Legislature and signed into law in 1990.
Tennessee: During 2017 the fraud division became as separate and independent division within the Department of Commerce and Insurance. The fraud
division investigates securities, insurance and other type fraud cases in filed within the Department of Commerce and Insurance but does not have “criminal” authority.
Table 26 – Availability of Consumer Information Alabama: “Other” consumer information includes captive
insurance companies. Alaska: “Other” consumer information includes the Alaska
Insurance Consumer Guide. Arizona: “Other” consumer information includes premium
comparison, home warranty plans and use of credit. The Department offers Spanish brochures on healthcare appeals and resolving complaints.
Arkansas: “Other” consumer information includes disaster, federal Affordable Care Act (ACA), federal Consolidated Omnibus Budget Reconciliation Act (COBRA), federal Health Insurance Portability and Accountability Act (HIPPA), credit, home inventory and earthquake.
California: “Other” consumer information is available regarding earthquake insurance, insurance fraud, small business guide to commercial insurance, and guides for topics relevant for seniors.
Colorado: “Other” consumer information includes bail bonds, title, flood, annuities, discount health plans and buyer’s guide.
Connecticut: “Other” consumer information includes comparison of managed care organizations.
Delaware: “Other” consumer information includes flood, workplace safety, pet, travel and college.
District of Columbia: “Other” consumer information includes fraud, cancer, Medicare, prescription drug, flood and health discount cards.
Florida: “Other” consumer information includes HMOs, Annuities, Renters, Title, Viatical and Life Settlements and Medical Discount Program.
Georgia: “Other” consumer information includes the federal Health Insurance Portability and Accountability Act (HIPAA), federal Consolidated Omnibus Budget Reconciliation Act COBRA, pension, Medicare, disaster, flood, life and annuity.
Hawaii: “Other” consumer information includes flood. Idaho: “Other” consumer information includes life
settlements, annuities, title, and bail bonds. Illinois: “Other” consumer information includes Illinois
Comprehensive Health Insurance Plan (ICHIP), Fair Access to Insurance Requirements (FAIR) plan, mandatory insurance, guaranty association and uninsured ombudsman and Illinois Mine Subsidence Insurance Fund.
Indiana: “Other” consumer information includes the federal Health Insurance Portability and Accountability Act (HIPAA), federal Consolidated Omnibus Budget Reconciliation Act (COBRA), mine subsidence, Medicare Advantage, Medicare Part D, and Low-income Assistance for people with Medicare.
Iowa: “Other” consumer information includes continuing care and retirement communities.
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Kansas: “Other” consumer information includes renters, annuities, and travel.
Kentucky: “Other” consumer information includes annuities, dental, federal Consolidated Omnibus Budget Reconciliation Act (COBRA), renters, Kentucky Children’s Health Insurance Program (KCHIP), life settlements and health insurance appeals. Some brochures are available in Spanish.
Louisiana: “Other” consumer information includes insurance fraud, storm and a weekly consumer column. Some brochures are available in Spanish and Vietnamese.
Maine: “Other” consumer information includes credit scoring, business owners’ liability, farmowners’ liability and daycare liability. A few brochures are available in Spanish.
Maryland: “Other” consumer information includes annuities, title, commercial, fraud awareness, flood insurance and natural disaster preparedness. Some consumer brochures are available in Spanish and Korean.
Massachusetts: “Other” consumer information includes boat, commercial, credit, pet, recreational vehicle, federal Affordable Care Act (ACA), ride sharing/transportation network companies and renters’ insurance.
Michigan: “Other” consumer information includes insurance misrepresentation.
Minnesota: “Other” consumer information includes flood. Mississippi: “Other” consumer information includes
annuities and guaranty associations. Missouri: “Other” consumer information includes claim
(State Health Insurance Assistance Plan), renters’ insurance and “Surviving Severe Weather.”
Montana: “Other” consumer information includes wildfire insurance awareness and hail help.
Nebraska: “Other” consumer information includes surplus lines, flood insurance, burial plans and discount health plans.
Nevada: “Other” consumer information includes title, flood, bail, and earthquake.
New Hampshire: “Other” consumer information includes boat, annuities, renters’ insurance, condo, flood, breast cancer, small business and COBRA.
New Mexico: “Other” consumer information includes Patient Protection Act and Grievance Rights.
New York: “Other” consumer information includes small business, fraud, flood, and disability.
North Carolina: “Other” consumer information includes safe driver incentive program, “Teen Driving”, “External Review”, motorcycle, disaster preparation and recovery, and annuities.
North Dakota: “Other” consumer information includes fraud, prescription connection program and the State Health Insurance Assistance Program (SHIP).
Ohio: “Other” consumer information includes annuity. Oklahoma: “Other” consumer information includes
earthquake, flood, and bail bonds.
Oregon: “Other” consumer information includes Senior Health Insurance Benefits Assistance (SHIBA) and health insurance marketplace. Brochures are also available in Spanish and Russian.
Pennsylvania: “Other” consumer information includes renters’ insurance, pet, annuities, flood/National Flood Insurance Program (NFIP), senior insurance issues and young adults’ insurance issues.
Puerto Rico: “Other” consumer information available in the office, and online under NAIC InsureU guides.
Rhode Island: “Other” consumer information includes annuities.
South Carolina: “Other” consumer information includes flood, hazard, general liability, business owner and annuity.
South Dakota: “Other” consumer information includes farm/ranch and flood.
Tennessee: “Other” consumer information includes flood and earthquake. The information is HTML convertible to many different languages.
Texas: “Other” consumer information includes Health Maintenance Organizations (HMOs), surplus lines, title and commercial property.
U.S. Virgin Islands: NAIC updated based on information on the department’s webpage.
Utah: “Other” consumer information includes information for captives, annuities, bail bonds, title, flood and earthquake.
Virginia: “Other” consumer information includes commercial, teen auto, credit, title, disaster, renters, consumer assistance, force-placed, and credit scoring.
Washington: “Other” consumer information includes Medicare Part D, Medicare fraud/abuse, title, crop, credit, travel, and pet.
West Virginia: “Other” consumer information includes flood, fraud, consumer advocate, annuities and teen drivers.
Wisconsin: “Other” consumer information includes general insurance information.
Table 27 – Consumer Access to Insurance Departments U.S. Virgin Islands: NAIC updated the table to include the
web address. Note the webpage links to NAIC's State Based Systems for company and producer licensing information. The insurance complaint form is available online to print, fill out and mail/drop off at the Lt. Governor's Office.
Vermont: Online complaint submission is available through the Portal on the Insurance Website and housed in the Sircon platform.
Table 28 – Insurance Department Titles Table 28 is taken from the NAIC Membership List from the
NAIC Members webpage accessed June 25, 2019 (https://mymembership.naic.org/naic/members/bios.html).
© 2019 National Association of Insurance Commissioners