When must insurance records for agents and brokers be available to the insurance commissioner?

Insurance records for agents and brokers must be available to the insurance commissioner at all times to ensure compliance with regulatory requirements and to facilitate oversight of the insurance industry. This continuous access allows the commissioner to monitor practices, investigate complaints, and enforce laws related to insurance operations.

Making records available only during audits would limit oversight and potentially allow for non-compliance issues to go unchecked until an audit occurs. Similarly, having records available only at the end of each fiscal year or during policy renewals would not provide adequate transparency or protection for consumers throughout the year. Continuous availability of records ensures that regulations can be enforced proactively rather than reactively.