The Texas Department of Insurance (TDI) proposes
to amend 28 TAC §5.5002, concerning inland marine insurance.
Section 5.5002 implements Insurance Code §2251.004 and §2301.005.
The amendments classify pet insurance as inland marine insurance.

EXPLANATION. Pet insurance covers veterinary expenses arising from
pet injury or illness. It is commonly considered a type of inland
marine insurance, but Texas currently treats it as a miscellaneous
kind of property and casualty insurance, meaning that insurers cannot
offer pet insurance through group policies. The proposed amendment
to §5.5002 would classify pet insurance as inland marine insurance,
giving insurers more flexibility in how they offer it. Specifically,
insurers could offer both individual and group pet insurance policies.

Although pet insurance represents a small fraction of the property
and casualty insurance market, pet insurance is growing and becoming
popular as an employer-offered benefit.

Under its current treatment as a miscellaneous kind of property
and casualty insurance, pet insurance rates must be filed and forms
must be approved by TDI before they are used. In contrast, inland
marine products are designated as "filed" or "non-regulated" in §5.5002.
The amended rule would add subparagraph (QQ) to designate pet insurance
as a "non-regulated" inland marine product, meaning that rules, rates,
and forms will no longer need to be filed or approved. Designating
pet insurance as a non-filed type of inland marine, instead of a filed
type, will help maintain a level playing field among insurers, because
Lloyd's plans, reciprocals, and interinsurance exchanges are not required
to file inland marine rates or forms.

In addition, the proposed amendment includes nonsubstantive editorial
and formatting changes to conform the text of §5.5002 to the
agency's current style and to improve the rule's clarity. These changes
include changing "shall" to "must" or other clearer language and removing
unnecessary wording. The amendment also corrects a typographical mistake
in a reference to Property Code §59.001.

TDI received comments on an informal draft posted on TDI's website
on October 8, 2020. TDI considered those comments when drafting this proposal.

FISCAL NOTE AND LOCAL EMPLOYMENT IMPACT STATEMENT. David Muckerheide,
assistant director of the Property and Casualty Lines Office, has
determined that during each year of the first five years the proposed
amendment is in effect, there will be no measurable fiscal impact
on state and local governments as a result of enforcing or administering
the sections, other than that imposed by the statute. Mr. Muckerheide
made this determination because the proposed amendments do not add
to or decrease state revenues or expenditures, and because local governments
are not involved in enforcing or complying with the proposed amendments.

Mr. Muckerheide does not anticipate any measurable effect on local
employment or the local economy as a result of this proposal.

PUBLIC BENEFIT AND COST NOTE. For each year of the first five years
the proposed amendment is in effect, Mr. Muckerheide expects that
administering the proposed amendment will have the public benefit
of allowing group pet insurance policies and maintaining a level playing
field between insurers, since Lloyd's plans, reciprocals, and interinsurance
exchanges are not currently required to file inland marine forms or rates.

Mr. Muckerheide expects that the proposed amendment will not increase
the cost of compliance with Insurance Code Chapters 2251 and 2301
because the amendment does not impose requirements beyond those in
the statute. Additionally, the proposed amendment will reduce the
cost of compliance and regulatory burden for some insurers because
they will no longer have to file pet insurance rules, rates, or forms.

ECONOMIC IMPACT STATEMENT AND REGULATORY FLEXIBILITY ANALYSIS.
TDI has determined that the proposed amendment will not have an adverse
economic effect on small or micro businesses, or on rural communities.
The proposed amendment would increase the availability of pet insurance,
regardless of the size or location of the prospective consumers or
providers. As a result, and in accordance with Government Code §2006.002(c),
TDI is not required to prepare a regulatory flexibility analysis.

EXAMINATION OF COSTS UNDER GOVERNMENT CODE §2001.0045. TDI
has determined that this proposal does not impose a possible cost
on regulated persons.

GOVERNMENT GROWTH IMPACT STATEMENT. TDI has determined that for
each year of the first five years that the proposed amendments are
in effect, the proposed rule:

- will not create or eliminate a government program;

- will not require the creation of new employee positions or the
elimination of existing employee positions;

- will not require an increase or decrease in future legislative
appropriations to the agency;

- will not require an increase or decrease in fees paid to the agency;

- will not create a new regulation;

- will expand an existing regulation;

- will not limit or repeal an existing regulation;

- will not increase or decrease the number of individuals subject
to the rule's applicability; and

- will not positively or adversely affect the Texas economy.

TAKINGS IMPACT ASSESSMENT. TDI has determined that no private real
property interests are affected by this proposal and that this proposal
does not restrict or limit an owner's right to property that would
otherwise exist in the absence of government action. As a result,
this proposal does not constitute a taking or require a takings impact
assessment under Government Code §2007.043.

REQUEST FOR PUBLIC COMMENT. TDI will consider any written comments
on the proposal that are received by TDI no later than 5:00 p.m. central
time, on March 1, 2021. Send your comments to ChiefClerk@tdi.texas.gov,
or to the Office of the Chief Clerk, MC 112-2A, Texas Department of
Insurance, P.O. Box 149104, Austin, Texas 78714-9104.

To request a public hearing on the proposal, submit a request before
the end of the comment period to ChiefClerk@tdi.texas.gov; or to the
Office of the Chief Clerk, MC 112-2A, Texas Department of Insurance,
P.O. Box 149104, Austin, Texas 78714-9104. The request for public
hearing must be separate from any comments and received by the department
no later than 5 p.m., central time, on March 1, 2021. If TDI holds
a public hearing, TDI will consider written and oral comments presented
at the hearing.

STATUTORY AUTHORITY. TDI proposes §5.5002 under
Insurance Code §§2251.004, 2301.005, and 36.001.

Insurance Code §2251.004 provides that the Commissioner may
adopt rules governing how rates are regulated for the various classifications
of risks insured under inland marine insurance, as determined by the Commissioner.

Insurance Code §2301.005 provides that the Commissioner may
adopt rules governing how forms are regulated for the various classifications
of risks insured under inland marine insurance, as determined by the Commissioner.

Insurance Code §36.001 provides that the Commissioner may
adopt any rules necessary and appropriate to implement the powers
and duties of TDI under the Insurance Code and other laws of this state.

CROSS-REFERENCE TO STATUTE. Section 5.5002 implements Insurance
Code §2251.004 and §2301.005.

§5.5002.Texas Definition of Inland Marine Insurance.

Inland marine insurance is defined and classified as follows.

(1) Imports (non-regulated). Imports may be insured
under inland marine policies, when such property is not subject to
import risk under marine (ocean) policies, as follows.

(A) Imports on consignment may be covered wherever
the property may be and without restriction as to time, provided the
coverage of the issuing companies includes hazards of transportation.
A shipment on consignment means property consigned and entrusted to
a factor or agent to be held in his or her care, or under his or her
control for sale, for account of another, or for exhibit or trial
or approval or auction, and if not disposed of, to be returned.

(B) Imports not on consignment in such places of storage
as are usually employed by importers, provided the coverage of the
issuing companies includes hazards of transportation. Such policies
may also include the same coverage in respect to property purchased
on cost-insurance-freight terms or spot purchases for inclusion with
or in substitution for bona fide importations. An import, as a proper
subject for inland marine insurance, is deemed to maintain its character
as such so long as the property remains segregated in the original
form or package in such a way that it can be identified and has not
become incorporated and mixed with the general mass of property in
the United States, and will [shall] be deemed
to have been completed when such property has been:

(i) sold and delivered by the importer, factor, or consignee; or

(ii) removed from place of storage as described in
this subparagraph and placed on sale as part of importer's stock in
trade at a point of sales distribution; or

(iii) delivered and accepted for manufacture, processing,
or change in form to premises of the importer or of another used for
any such purposes.

(2) Exports (non-regulated). Inland marine policies
may cover property for export, when such property is not subject to
export risk under marine (ocean) policies, as follows.

(A) Export property may be covered wherever the property
may be without restriction as to time, provided the coverage of the
issuing companies includes hazards of transportation.

(B) Export property is deemed to acquire its character
as such when designated as such or while being prepared for export
and retains that character unless diverted for domestic trade, and
when so diverted, the provisions of these sections respecting domestic
shipment apply [shall apply]; provided, however,
these provisions do not apply to long-established [long
established] methods of insuring certain commodities, e.g., cotton.

(3) Domestic shipments (non-regulated).

(A) Domestic shipments on consignment for consignor
and/or consignee may be written as follows, provided that
in all events the policy covers [shall cover]
while in transit:

(i) on consignment for sale or distribution for account
of consignor, with no restriction as to time in storage or deposit,
while in the custody of others and including return shipments, provided
that in no event will [shall] the policy cover
on premises owned, leased, or controlled by the consignor;

(ii) on consignment for sale or distribution for account
of consignee while in the custody of others and including return shipments,
provided that in no event may [shall] coverage
be granted in excess of 120 days at premises owned, leased, or controlled
by consignee; further provided that if coverage be issued jointly
to consignee and consignor the same limitation of 120 days for coverage
at premises owned, leased, or controlled by consignee will [shall] be applicable only with respect to the interest of the
consignee; and

(iii) on consignment for account of consignor and/or
consignee for exhibition, trial, approval, or auction, without restriction
as to time in storage or deposit or on exhibition and while in the
custody of others and including return shipments.

(B) Domestic shipments not on consignment may be written
as follows, provided that in all events the policy covers [shall cover] while in transit:

(i) at premises of transportation companies or freight
forwarders pending transportation without restriction as to time in
storage or deposit. [Note:] For purposes of insurance under
this clause, a "freight forwarder" [freight forwarder]
is defined as a warehouse or transportation concern who takes custody
of the property of others for storage and transport either by schedule
or upon call;

(ii) furniture shipment policies without restriction
as to time in storage or deposit to cover only used household furniture
and used furniture and fixtures in course of transit while awaiting
determination or availability of final destination. Such policies may
 [shall] not cover after delivery to final destination
and may [shall] not include merchandise held
for sale; and

(iii) in all other situations provided the coverage may
 [shall] not exceed 120 days at any place of storage
or deposit operated by the assured except coverage at points of sales
distribution or at manufacturing premises of the assured which may
be written without regard to such restriction of time in storage;
provided, however, that in no event will [shall]
any policy cover the perils of fire and extended coverage at such
points of sales distribution or such manufacturing premises.

(4) Bridges, tunnels and other instrumentalities of
transportation and communication (non-regulated). No policy may [shall] be issued under this paragraph where the perils of fire
and extended coverage are the only hazards to be covered; provided
further that in all cases policies must [shall]
exclude buildings, office furniture, and supplies held in storage
therein. Policies covering piers, wharves, docks, and slips must [shall] exclude the hazards of fire and extended coverage. Other
aids to navigation and transportation, including dry docks and marine
railways, may be covered against any [and all]
risks. Property insured under this paragraph may include, but is not
[necessarily] limited to:

(A) pipelines, including on-line propulsion, regulating,
and other equipment appurtenant to such pipelines, but excluding all
property at manufacturing, producing, refining, converting, treating,
or conditioning plants;

(B) power transmission and telephone and telegraph
lines, excluding all property at generating, converting, or transforming
stations, substations, and exchanges;

(C) radio and television communication equipment in
commercial use as such, including towers and antennae, auxiliary equipment,
electrical operating and control apparatus, and other property directly
used for transmitting and/or receiving; and

(D) outdoor cranes, loading bridges, and similar equipment
used to load, unload, and transport.

(5) Other inland marine risks.

(A) Accounts receivable (filed).

(B) Agricultural machinery and equipment (excluding
dealers) (filed).

(C) Bailee customers policies (non-regulated). Covering
property in the custody of bleacheries, throwsters, fumigatories,
dyers, cleaners, laundries, needle workers, and other bailees for
the purpose of storage or performing work thereon. Such policies may
 [shall] include coverage while in transit but may [shall] not cover bailee's property at his or her 
premises.

(D) Block policies. Block policies presently approved
under this section are:

(i) camera dealers (filed);

(ii) equipment dealers (filed);

(iii) furrier's block (non-regulated);

(iv) jeweler's block:

(I) retailers with average inventories of less than
$250,000 (filed); and

(II) all other classes (non-regulated);

(v) musical instrument dealers (filed).

(E) Cold storage locker plant policies (non-regulated).
Covering merchandise of customers such as meats, game, fish, poultry,
fruit, vegetables, and property of a similar nature.

(F) Cotton buyers transit policies (filed).

(G) Domestic bulk liquids policies (non-regulated).
Covering domestic bulk liquids stored in tanks, provided the risks
of fire and extended coverage are excluded therefrom.

(H) Exhibition policies covering property while on
exhibition and in transit to or from such exhibition (non-regulated).

(I) Film floaters, including builders' risk during
the production and coverage on completed negatives and positives and
sound records (filed).

(J) Fine arts policies covering objects of art such
as pictures, bronzes, and antiques, rare manuscripts and books, articles
of virtu, etc.:

(i) private collections (filed);

(ii) dealers (non-regulated); and

(iii) all other commercial risks (filed).

(K) Floor plan policies (filed). Covering property
for sale while in possession of dealers under a floor plan or any
similar plan under which the dealer borrows money from a bank or lending
institution with which to pay the manufacturer, provided:

(i) such merchandise is specifically identifiable as
encumbered to the bank or lending institution;

(ii) the dealer's right to sell or otherwise dispose
of such merchandise is conditioned upon its being released from encumbrance
by the bank or lending institution; and

(iii) that such policies cover the merchandise in transit
and do not extend beyond the termination of the dealer's interest
and may [shall] not cover merchandise for which
the dealer's collateral is the stock or inventory as distinguished
from merchandise specifically identifiable as encumbered to the lending institution.

(L) Furriers' customers policies (non-regulated). Policies
under which certificates or receipts are issued by furriers or fur
storers covering specified articles, the property of customers.

(M) Garment contractors floaters (non-regulated).

(N) Government service floaters (non-regulated).

(O) Home freezers and contents against loss resulting
from power failure and/or mechanical breakdown (non-regulated).

(P) Installation risks or builders' risks (non-regulated).
Covering loss to owner, seller, or contractor on account of physical
damage to machinery, equipment, building materials, or building supplies
being used with and during the course of installation, testing, building,
renovating, or repairing of dwelling, commercial, or industrial construction.
Such policies may cover at points or places where work is being performed,
while in transit, and during temporary storage or deposit of property
designated for and awaiting specific installation, building renovating,
or repairing. In no event may [shall] any policy
cover such properties while contained in stock of merchandise held
for sale to the public by dealers and such coverage must [shall] be limited to installation risks or builders' risks where
perils in addition to fire and extended coverage are to be insured.
If written for account of owner, the coverage must [shall
] cease upon completion and acceptance thereof or if written
for account of a seller or contractor, the coverage must [shall] terminate when the interest of the seller or contractor ceases.

(Q) Inland marine insurance classes of coverage, commonly
referred to as consumer credit property insurance and commercial credit
property insurance, set out in clauses (i) and (ii), respectively,
as follows:

(i) Coverage resulting from an open- or closed-end [open or closed end] consumer credit transaction that is a retail
installment transaction (filed). For purposes of this subparagraph,
"retail installment transaction" has the meaning assigned in [the]
Finance Code, §345.001. The credit property insurance addressed
in this clause must comply with provisions in subclauses (I) through
(VIII) of this clause.

(I) Policies offering coverage addressed in this clause
must include coverage while in transit and may be extended to include
the interest of a vendee, mortgagor, or lessee, but in no event may [shall] the policy cover the vendor's, mortgagee's, or lessor's
interest beyond the termination of that interest.

(II) All policies or certificates issued under this
clause must [shall] include a clear statement
to the insured about the method of payment allocation to all outstanding
purchase obligations by reference to the applicable lending documents
to determine how the coverage will be applied.

(III) Premium calculations for coverage addressed in
this clause involving a closed-end [closed end]
consumer transaction may not be based on amounts paid for services,
meals, entertainment, finance or service fees, loan interest, delivery
charges, or other insurance premiums (e.g., credit life, credit disability,
credit property, or credit involuntary unemployment insurance coverage).

(IV) An offer to extend coverage for a closed-end [closed end] consumer transaction addressed in this clause must
 [shall] include, at the time of the invitation to
contract, the following prominent written disclosure in no smaller
than 10-point boldface type: "This coverage might duplicate existing
coverage if you have a residential property insurance policy. This
coverage ceases when you have fully paid the debt. This coverage is
primary, so it is the first source to be used in the event of a loss
on property it covers. You may cancel this coverage at any time by
calling the insurer at the toll-free telephone number provided to
you, or by writing to the insurer. This coverage costs (set out the
total identifiable credit property insurance charge)."

(V) An offer to extend coverage for an open-end [open end] consumer transaction addressed in this clause must [shall] include, at the time of the invitation to contract, the
following prominent written disclosure in no smaller than 10-point
boldface type: "This coverage might duplicate existing coverage if
you have a residential property insurance policy. It applies to any
item of covered property on which you owe a debt. This coverage is
primary, so it is the first source to be used in the event of a loss
on property it covers. You may cancel this coverage at any time by
calling the insurer at the toll-free telephone number provided to
you, or by writing to the insurer. This coverage costs $(enter amount)
per $100 of outstanding balance on your account. The premium charged
for this coverage is based on your entire outstanding balance, but
the coverage only applies to tangible personal property purchased
on an open-end credit account. Services, meals or other consumables,
entertainment, finance or service fees, loan interest, delivery charges,
or other insurance premiums, which may be part of your outstanding
balance, are not covered."

(VI) Policies or certificates extending the coverage
addressed in this clause must [shall] be provided
to the insured at the time coverage is accepted by the insurer, along
with written instructions on filing claims under the coverage. The
instructions must [shall] include the insurer's
toll-free telephone number, as well as a list of essential elements
for inclusion by the insured to perfect a claim. All such policies
or certificates provided to insureds must [shall]
include the disclosure set out in subclause (IV) of this clause, or
subclause (V) of this clause, as applicable, subject to the same type
face and size requirements.

(VII) Policies and certificates of insurance issued
to cover open-end [open end] consumer transactions must [shall] provide that the policyholder or certificate
holder will be furnished the following disclosure notice on the face
of the account statement or through a statement insert not less than
semi-annually in no smaller than 6-point boldface type if on the face
of that statement or in no smaller than 10-point boldface type if
on a statement insert: "If you are paying a credit property insurance
premium, that premium is based on the entire outstanding balance of
this account. You may cancel this coverage at any time by calling
the insurer at the toll-free telephone number it has provided to you,
or by writing to the insurer. Any premium charged for credit property
insurance coverage is based on your entire outstanding balance, but
the coverage only applies to tangible personal property purchased
on an open-end credit account. Services, meals or other consumables,
entertainment, finance or service fees, loan interest, delivery charges,
or other insurance premiums, which may be part of your outstanding
balance, are not covered."

(VIII) Policies and certificates of insurance offering
coverage for an open-end [open end] consumer transaction must [shall] provide that the policyholder or certificate
holder will be furnished a statement each billing cycle, but not less
frequently than quarterly, which indicates:

(-a-) the amount of the credit property insurance charge,
shown separately from any total insurance charge;

(-b-) the amount of the insured's indebtedness to which
the insurance charge rate was applied;

(-c-) the date the rate was applied; and

(-d-) the period covered by such monthly charge.

(ii) Coverage resulting from commercial credit transactions
involving installment sales, leased property, and deferred payment
contracts (non-regulated). For purposes of this subparagraph, a commercial
credit transaction is one which does not fall within the meaning of
an open- or closed-end [open or closed end] or consumer
credit transaction that is a retail installment transaction under
clause (i) of this subparagraph. The credit property insurance coverage
addressed in this clause covers the interest of a vendor or mortgagee
in property sold in a commercial transaction under an installment
sales contract, or a partial or deferred payment contract , ; and the interest of a lessor in property leased. Credit property
insurance policies subject to this clause must include coverage while
in transit and may be extended to include the interest of the vendee,
mortgagor, or lessee, but in no event may [shall]
the policy cover beyond termination of the vendor's, mortgagee's,
or lessor's interest.

(R) Live animal floaters as follows:

(i) cattle kept for feeding, dairy, breeding, or show
purposes, sheep, swine, horses, and mules, except horses and mules
used exclusively for racing or show including breeding therefor (filed); and

(ii) range cattle and range sheep while on ranges;
horses or mules used exclusively for racing or show, including breeding
therefor; livestock while being transported to or from or while at
stockyards; policies issued to assureds conducting sales or auction,
covering livestock of others for public sale; livestock insured under
mortality policies covering, among other perils, against death or
destruction due to natural causes; livestock of circus, carnival,
or theatrical enterprises; policies issued to veterinarians and humane
societies to cover livestock of others in their custody or control
for professional purposes (non-regulated).

(S) Mobile equipment and miscellaneous movable property
(non-regulated) . [e.g.,] For example, this includes contractors'
equipment, industrial and other special equipment not primarily designed
for highway use, mechanical sales devices, storage batteries, stevedores,
divers' equipment, undertakers' equipment, outboard boats and motors,
parachutes, [and] balloons, [.] scientific
 [Scientific] and surveyors' instruments, articles
for sport and recreation, musical scores and orchestrations, and all
other similar movable and identified property not on sale or consignment,
or in the course of manufacture, which has come into the custody and/or
control of parties who intend to use such property for the purpose
for which it was manufactured or created. Such policies may [shall] not include coverage of storage risks at premises of
the assured, except where incidental to the regular use of the equipment
or property away from the premises.

(T) Musical instrument floaters (radios, televisions,
record players, and combinations thereof are not deemed musical instruments) (filed).

(U) Nuclear insurance (non-regulated). Insurance against
loss resulting from physical damage (including risks in course of
construction) to:

(i) designated nuclear facilities, including property
associated therewith and subject to radiation damage therefrom;

(ii) other property directly related to such nuclear facilities; and

(iii) other facilities involving substantial quantities
of radiation.

(V) Oil and gas lease property (filed).

(W) Pattern and die floaters, excluding coverage on
the owner's premises (non-regulated).

(X) Personal effects floaters (filed).

(Y) Personal fur floaters (filed).

(Z) Personal jewelry floaters (filed).

(AA) Personal property floaters (filed).

(BB) Physicians' and surgeons' equipment floaters (excluding
dealers) (filed).

(CC) Radium floaters (non-regulated).

(DD) Rolling stock covering locomotives and other rolling
stock used on a railway system. Coverage may be provided on an all
risk basis or named peril basis, subject to the inclusion of the perils
of fire, collision, derailment, overturn, strikes, and riots (non-regulated).

(EE) Salespersons' [Salesmen's]
samples floaters (non-regulated).

(FF) Sign and street clock policies, covering neon
signs, automatic or mechanical signs, street clocks, while in use
as such (filed).

(GG) Silverware floaters (filed).

(HH) Stamp and coin floaters:

(i) private collection (filed); and

(ii) commercial risks (non-regulated).

(II) Self-service storage customer floater policies
(filed for policy forms and endorsements; non-regulated for rates)
may be issued to a tenant of a self-storage facility and covering
property stored at such facility. Coverage is limited to property
in storage for the perils set forth in the policies, which must include
coverage for property while in transit. Coverage may not
be provided for any motor vehicles subject to motor vehicle registration
and inspection. It is not intended that this coverage definition will
allow coverage of property stored in any facility where the lessor
issues a warehouse receipt, bill of lading, or other document of title
relating to the stored property, or in facilities other than storage
facilities that have multiple storage units. Accordingly, the terms
"self-service storage facility" and "tenant" [shall] have
the meaning prescribed by [the] Texas Property Code, §59.001
 [§59.000], i.e., "self-service storage facility"
means real property that is rented to be used exclusively for storage
of property and is cared for and controlled by the tenant.  "Tenant"
 [Tenant] means a person entitled under a rental
agreement to the exclusive use of storage space at a self-service
storage facility.

(JJ) Theatrical floaters, excluding buildings and their
improvements and betterments and furniture and fixtures that do not
travel about with theatrical troupes (filed).

(KK) Tourists' floaters (filed).

(LL) Travel baggage (non-regulated).

(MM) Valuable papers and records (filed).

(NN) Wedding present floaters (non-regulated).

(OO) Wool growers and wool buyers floater policies,
covering property usual to the conduct of the assured's business while
in transit and all other situations customary and incidental thereto (non-regulated).

(PP) Electronic Equipment Protection Policy (filed).
Coverage may be provided for electronic equipment, including data
processing equipment and components, connections, extensions, and
systems; electronic media including converted data; and extra expense
incurred in order to continue normal operations which are interrupted
as a result of an insured loss. The policy must provide coverage on
such property while in transit.

(QQ) Pet insurance (non-regulated).
Individual or group insurance policies covering veterinary expenses
for pet illness or injury.

The agency certifies that legal counsel
has reviewed the proposal and found it to be within the state agency's
legal authority to adopt.

Filed with the Office of the Secretary of State on January 11, 2021.

TRD-202100131

James Person

General Counsel

Texas Department of Insurance

Earliest possible date of adoption: February 28, 2021

For further information, please call: (512) 676-6584