Regulatory Updates

Effective January 1, 2027, Washington's Travel insurance framework will roll out. Please see below for more details on the framework update.

- "Limited lines travel insurance producer" means: - A licensed insurance producer, including a licensed limited lines  producer of travel insurance; or - A travel administrator. - "Travel administrator" means a person who directly or indirectly underwrites, collects charges, collateral, or premiums from, or adjusts or settles claims on Washington residents in connection with travel insurance.  The following persons will not be considered travel administrators: - A person working for a travel administrator, to the extent the person's activities are subject to the travel administrator's  supervision and control; - An insurance producer selling insurance or engaged in  administrative and claims-related activities within the producer's license scope; - A travel retailer offering and disseminating travel insurance that is registered under a limited lines travel insurance producer's  license; - An attorney-at-law who adjusts insurance losses from time to time incidental to the practice of their profession and who does not collect  charges or premiums in connection with insurance coverage; or - A business entity that is affiliated with an authorized insurer  while acting as a travel administrator for the affiliated insurer's  direct and assumed insurance  business. - "Travel insurance": - Means insurance coverage for personal risks incident to planned travel, including: - Trip or event interruption or cancellation; - Loss of baggage or personal effects; - Damages to accommodations or rental vehicles; - Sickness, accident, disability, or death occurring during  travel, provided that the health benefits are not offered on a  stand alone basis and are incidental to other coverage; - Emergency evacuation; - Repatriation of remains; and - Any other contractual obligation to indemnify or pay a  specified amount to a traveler upon determinable contingencies  related to travel, approved by the. Commissioner; and - Does not include: - Major medical plans that provide comprehensive medical protection for travelers with trips lasting 6 months or longer  including, for example, those working or residing overseas  as an expatriate; or - Any other product requiring a specific insurance producer  license. - The Commissioner may issue a limited lines travel insurance  producer license to an individual or a business entity. - Applicants must file the required license application. - The limited lines travel insurance producer must be licensed to  sell, solicit, or negotiate travel insurance through an authorized insurer. - No person may act as a limited lines travel insurance producer or travel retailer unless properly licensed or registered,  respectively. - Limited lines travel insurance producers and travel retailers are  subject to the same criteria for suspension, revocation, and  penalties applicable to resident insurance producers under - A travel retailer may offer and disseminate travel insurance under a  limited lines travel insurance producer business entity license if: - The producer or travel retailer provides to the travel insurance purchasers: - The actual material terms of insurance coverage or a description of the material terms of the insurance coverage; - A description of the claims filing process; - A description of the review or cancellation process for the travel insurance policy; and - The insurer's and limited lines travel insurance producer's identity and contact information; - At the time of licensure, the limited lines travel insurance producer establishes and maintains a register of each travel retailer that offers travel insurance on the producer's behalf; - The limited lines travel producer: - Certifies that the travel retailer registered complies with 18 USCA § 1033; - Designates an employee who is a licensed individual producer as the person responsible for the compliance with Washington's travel insurance laws and rules applicable to the producer and its registrants; - Pays the applicable licensing fees; and - Requires each of the travel retailer's employees and authorized representatives that offer and disseminate travel insurance to complete a training program, which is subject to the Commissioner's review and approval, that covers: - The types of insurance offered; - Ethical sales practices; and - Required disclosures to prospective purchasers; and •The employee designated under (6)(c (II), president, secretary, treasurer, and any other officer or person who directs or controls the producer's insurance operations complies with the fingerprinting requirements applicable to insurance producers in the limited lines travel insurance producer's resident state. - The register discussed above must: - Be created on the Commissioner-prescribed form; - Be maintained and updated by the limited lines travel insurance producer; - Include: - The name, address, and contact information of the travel retailer and an officer or person who directs or controls the travel retailer's operations; and - The travel retailer's federal tax identification number; and - Be submitted to the Commissioner annually in the Commissioner-prescribed form and manner. - The travel retailer must make brochures or other written materials available to prospective purchasers that have been approved by the travel insurer.  The materials must: - Provide the insurer's and limited lines travel insurance producer's identity and contact information; - Explain that purchase of travel insurance is not required to purchase any other product or service from the travel retailer; and - Explain that an unlicensed travel retailer may provide general information about the offered travel insurance, including a description of the coverage and price, but is not qualified or authorized to: - Answer technical questions about the insurance terms and conditions; or - Evaluate the adequacy of the customer's existing insurance coverage. - A travel retailer's employee or authorized representative who is not licensed as an insurance producer may not: - Evaluate or interpret the technical terms, benefits, or conditions of the offered travel insurance coverage; - Evaluate or provide advice concerning a prospective purchaser's existing insurance coverage; or - Hold himself/herself out as an authorized insurer, licensed producer, or insurance expert. - As the insurer designee, the limited lines travel insurance producer: - Is responsible for the acts of a travel retailer; and - Must ensure that the travel retailer complies with the Washington Travel Insurance Act. - The limited lines travel insurance producer is responsible for any acts committed by any unlicensed persons that violate the Insurance Code under the producer's or travel retailer's supervision, control, or direction.  The Commissioner may enforce the provisions of Title 48 (Insurance) against the limited lines travel insurance producer or travel retailer for any such acts. - Travel administrators are subject to the requirements below. - To act or represent itself as a travel administrator for travel insurance in Washington, a person must be licensed as a limited lines travel insurance producer. - A travel administrator and its employees are exempt from the adjuster licensing requirements of WA ST 48.17.060(2) for travel insurance the travel administrator administers. - An insurer is responsible for: - The acts of a travel administrator administering travel insurance underwritten by the insurer; and - Ensuring that the travel administrator maintains all books and records relevant to the insurer, to be made available by the travel administrator to the Commissioner upon request.

Effective March 27, 2026, Wisconsin updated clarifying language around individual navigators and navigator entities for residents and nonresidents. For more information on the word changes, please visit https://docs.legis.wisconsin.gov/2025/related/acts/122

Effective April 15, 2026, Kentucky will stop processing initial Public Adjuster and Apprentice Adjuster license applications for two years.

Posted April 13, 2026, Delaware has completed its review of the proposed Export List presented at the March 19, 2026 public hearing and has issued a Final Order adopting the Export List. Please see the attached bulletin post for the Export List.

Posted April 14, 2026, The California Department of Insurance will hold a hearing about the Export List in the near future. The state asks that interested parties provide information on any suggested additions, modifications, or deletions to the Export List no later than 5:00 pm Pacific Time on May 1, 2026. Please direct this information to: ExportListHearing@insurance.ca.gov

Effective May 6, 2026, the general requirements for Utah resident and nonresident licenses are being updated.

The following changes apply to Utah resident licensees: - Title Agents are now required to maintain a fidelity bond or crime insurance policy of $500,000 (increased from $250,000), along with a professional liability insurance policy. - The Commissioner may take any of the following actions against a title insurance producer who conducts title insurance business without an appointment from a title insurer or has not had an appointment from a title insurer for more than 28 consecutive days: - Long-term care producers are no longer subject to training requirements. The following changes apply to both resident and nonresident licensees: - Long-term care producers are no longer required to hold an accident and health line of authority. - The Commissioner may assess a forfeiture, suspend, revoke, limit, or deny any license, or take a combination of these actions, after proper notice and hearing, for the following causes: failure to maintain an active resident license in the home state or designated home state.

Posted April 3, 2026, New York added four companies to the list of Excess & Surplus lines (E&S) insurers, maintained by the Excess Line Association of New York (ELANY). Please see the attachment for more information.

Effective June 1, 2026, Arkansas company appointment renewal invoices will be available for payment from June 1, 2026, through June 30, 2026. The termination deadline is May 24, 2026. The invoice fees are based on the residency of the appointee. For the license classes: Insurance Producer, Exchange Agency, Exchange Producer, Purchasing Group Broker, Risk Retention Agency, Risk Retention Agent, Title Agency, Title Agent - Resident: $20 - Nonresident: $60

Connecticut has announced 2026 Company Appointment Renewal dates.  Appointment types included are: Fraternal Agent, Insurance Producer, Surety Bail Bond Agent, Rental Car Agency Permits, PA 187 Travel.

Posted March 26, 2026, The Texas State Securities Board adopted amendments to allow special provisions for military applicants. These amendments include changes to:

- Definitions - Expedited review of applications - Eligibility for refunds or waivers

For more information on Texas recent adopted changes with military applicants, visit