Who enforces insurance codes within an insurance department?

The commissioner is the individual responsible for enforcing insurance codes within an insurance department. This role involves overseeing the insurance industry's compliance with state laws and regulations, ensuring that insurance companies operate within the legal framework established to protect consumers and maintain orderly markets. The commissioner has the authority to investigate complaints, initiate enforcement actions, and impose penalties for violations of these codes.

In contrast, insurance agents serve primarily as intermediaries who sell insurance products to consumers, while policyholders are the consumers who purchase insurance policies. Financial advisors typically focus on broader financial planning rather than specific enforcement of insurance regulations. Therefore, the commissioner is uniquely positioned within the insurance department to uphold and enforce the legal standards that govern the insurance industry.