Whose accounts or records can the Commissioner examine?

The Commissioner is authorized to examine the accounts and records of any insurance producers or adjusters. This authority is crucial for the oversight of the insurance industry, ensuring compliance with state laws and regulations, and maintaining the integrity of the insurance marketplace. By examining these records, the Commissioner can assess the financial health of insurance producers and adjusters, investigate potential irregularities, and take appropriate action to protect policyholders and ensure fair practices within the industry. This broad scope of examination ensures that all entities involved in the insurance process are held to a high standard of accountability and transparency.

The other options are more restrictive and do not align with the regulatory responsibilities of the Commissioner. For example, limiting the examination to only insurance producers or to individuals with insurance licenses would neglect the important role that adjusters play in the industry. Similarly, only allowing examinations of policyholders would not serve the purpose of regulatory oversight intended to protect consumers and uphold industry standards.