The following chart represents a summary of the administrative actions taken against insurance producers and insurance companies by the Division's Enforcement Section between July, 2003 and September, 2003. If you require additional information concerning a particular administrative action, please send your request via e-mail to the Enforcement Email Address.

For each administrative action, please note the following definitions.
 
Licensee NameType of LicenseCase No.Primary Allegation(s)DispositionEffective Date
Federal Life Insurance Company (Mutual)
Riverwoods, IL
Life, Accident & Health Company4439Issuing accident & health policies without licensing authoritySettlement Agreement: $2,000 Administrative Assessment; Cease & Desist7/3/2003
American Home Assurance Company
New York, NY
Property/Casualty Company4294DPaying Commission to unlicensed entitySettlement Agreement: $12,500 Administrative Assessment; Cease & Desist7/3/2003
Lexington Insurance Company
New York, NY
Surplus Lines Company4294FPaying Commission to unlicensed entitySettlement Agreement: $250 Administrative Assessment; Cease & Desist7/3/2003
National Union Fire Insurance Company of Pittsburgh, PA
Harrisburg, PA
Property/Casualty Company4294GPaying Commission to unlicensed entitySettlement Agreement: $250 Administrative Assessment; Cease & Desist7/3/2003
Gordon & Gordon Adjusters, Inc.
Boston, MA
Public Adjuster3731Conducting business in name other than that appearing on licenseSettlement Agreement: $1,000 Administrative Assessment; Cease & Desist7/9/2003
Federal Kemper Life Assurance Company
Schaumburg, IL
Life, Accident & Health Company4432Paying Commission to unlicensed entitySettlement Agreement: $1,800 Administrative Assessment; Cease & Desist7/14/2003
Gammons, Lewis R.
Lakeville, MA
Producer3752Failure to Make Required Disclosure on License ApplicationSettlement Agreement:$250 Administrative Assessment; Cease & Desist7/18/2003
Horace Mann Insurance Company
Springfield, IL
Property/Casualty Company4191Use of unapproved homeowners non-renewal formSettlement Agreement: $500 Administrative Assessment; Cease & Desist7/24/2003
Friedman, Martin
Brookline, MA
Unlicensed4328Conducting insurance business while unlicensed or unappointedSettlement Agreement: Cease & Desist7/30/2003
Christian, Rudolph W.
Marshfield, MA
Producer3786Failure to Make Required Disclosure on License ApplicationSettlement Agreement: Cease & Desist7/30/2003
Employers Mutual Casualty Company
Warwick, RI
Property/Casualty Company4414BPaying Commission to Unlicensed EntitySettlement Agreement: $1,100 Administrative Assessment; Cease and Desist8/4/2003
Lowell, David B.
Mendon, MA
Unlicensed4269Unlicensed operation of insurance agencySettlement Agreement:3 Year License Revocation; Cease & Desist8/11/2003
Avery-Smith Insurance Agency, Inc.
Barrington, RI
Unlicensed4414ASale of insurance while unlicensed or unappointedSettlement Agreement:$2,500 Administrative Assessment; Cease & Desist8/11/2003
Flanagan, John Jude
Worcester, MA
Producer3750Selling health insurance issued by unlicensed company; MisrepresentationSettlement Agreement:$5,800 Fine; Health Insurance Continuing Education8/13/2003
B.K. McCarthy Insurance Agency, Inc.
Peabody, MA
Business Entity Producer4399Alteration of motor vehicle coverage limits without affirmative request from insuredsSettlement Agreement: $5,000 Fine; Cease & Desist8/14/2003
Eastern Casualty Insurance Company
Marlborough, MA
Domestic Property/Casualty Company4192Failure to Notify Commissioner of merger or consolidationSettlement Agreement: $250 Fine; Cease & Desist8/15/2003
Sturgeon, John C.
Wheaton, IL
Non-Resident Producer4462Failure to Make Required Disclosure on License ApplicationSettlement Agreement: $300 Administrative Assessment; Cease & Desist8/18/2003
Taylor, Ralph W.
New Bedford, MA
Producer3739Misappropriation of customer funds; failure to remit funds to insurance companySettlement Agreement:License Revocation; Restitution to insurance company; Cease & Desist from all insurance activity8/19/2003
Coverall Insurance Agency, Inc.
Jamaica Plain, MA
Business Entity Producer4416Sale of insurance while unlicensed or unappointedSettlement Agreement; $5,000 Administrative Assessment; Cease & Desist8/20/2003
Adams, David J.
Gloucester, MA
Producer3782Misrepresentation of Policy ConditionsSettlement Agreement:Permanent License Revocation; Cease & Desist8/22/2003
Schneider, Daniel L.
Tubac, AZ
Non-Resident Producer4463Failure to Make Required Disclosure on License ApplicationSettlement Agreement:$300 Administrative Assessment; Cease & Desist8/29/2003
Gaetani, Francis J.
Sutton, MA
Producer3751Selling health insurance issued by unlicensed company; Misrepresentation; ImpersonationSettlement Agreement:$4,500 Fine; Continuing Education compliance program; Cease & Desist9/3/2003
Anchor International Insurance Agency, Inc.
Duxbury, MA
Business Entity Producer4499Sale of surplus lines policy without license authoritySettlement Agreement: $50.00 Administrative Assessment; Cease & Desist9/4/2003
Reynolds, Edward C.
Plympton, MA
Public Adjuster3508Misrepresentation on public adjuster license applicationsHearing Officer Order on Motion for Summary Decision:Permanent License Revocation; $1,000 Fine9/8/2003
New England Financial Insurance Agency, LLC
Boston, MA
Business Entity Producer4390BPaying Commission to unlicensed entitySettlement Agreement: $500 Administrative Assessment; Cease & Desist9/9/2003
Goldman, Jill L.
Barnstable, MA
Producer3754Sale of health insurance issued by unlicensed company; Misrepresentation on insurance license applicationsSettlement Agreement: $8,000 Fine; Cease & Desist; Restitution; Continuing Education9/9/2003
Kaplan, Marvin S. &
Marvin S. Kaplan Insurance Agency, Inc.
Boston, MA
Producer4211Sale of surplus lines coverage after lapse of licenseSettlement Agreement: $3,000 Administrative Assessment; $6,800 Policyholder Restitution; Cease & Desist9/18/2003
Reid, Jr., Robert J.
Falmouth, MA
Producer3792Sale of health insurance issued by unlicensed companySettlement Agreement:$9,600 Fine; Cease & Desist; Compliance Program9/19/2003
Meister, Kurt
North Bend, WA
Non-Resident Producer4471Misrepresentation on insurance license applicationSettlement Agreement: $500 Administrative Assessment; Cease and Desist9/22/2003
Insurance Innovators Agency of New England, Inc.
West Springfield, MA
Business Entity Producer3639FPaying Commission to unlicensed entitySettlement Agreement: $1,500 Administrative Assessment; Cease & Desist9/25/2003
Hingham Mutual Fire Insurance Company
Hingham, MA
Domestic Property/Casualty Company4543Failure to submit statistical data through approved statistical agentSettlement Agreement: $2,000 Fine; Cease & Desist; Compliance Program9/26/2003
Lapham, James A.
Mashpee, MA
Producer3870Failure to maintain trustworthiness and suitability for licensure; Misrepresentation on insurance license applicationsSettlement Agreement: Permanent license revocation; Cease and Desist from all insurance activity9/29/2003
Acordia of Illinois Insurance Agency
Schaumburg, IL
Business Entity Producer4382Sale of surplus lines coverage without license authoritySettlement Agreement:$5,000 Fine; Cease & Desist; Compliance Program9/29/2003
Renaissance Alliance Insurance Services LLC
Wellesley, MA
Surplus Lines Company4363Issuing surplus lines policies while unlicensedSettlement Agreement: $500 Administrative Assessment; Cease and Desist9/30/2003