Four DOI Enforcement Agreements So Far in 2025

For the first half of 2025, the Division of Insurance’s Enforcement Section has published four enforcement resolutions involving producers and a public adjuster for various violations of Massachusetts insurance laws.

The resolutions, which the DOI classifies as reportable administrative actions, involved fines totaling $6,500 and agreements to cease and desist, from the alleged unlawful conduct.

Here is our summary of the four enforcement actions.

Waltke Insurance Agency Fined $2,500 for False Auto Application Information

The DOI investigated Thomas Waltke of the Waltke Insurance Agency after Allstate Insurance Company (“Allstate”) conducted an internal investigation in 2024. Allstate’s investigation followed allegations that Mr. Waltke had submitted incorrect information on automobile insurance applications for multiple clients. The inquiry found “major discrepancies” with the customers’ prior insurance histories.

The Division alleged that Mr. Waltke’s actions violated several Massachusetts insurance laws, including:

• M.G.L. c. 175, § 162R(a)(1) for providing incorrect, misleading, incomplete or materially untrue information.
• M.G.L. c. 175, § 162R(a)(7) for having been found to have committed an unfair trade practice.
• M.G.L. c. 175, § 162R(a)(8) for using fraudulent or dishonest practices, or demonstrating incompetence or untrustworthiness.
• M.G.L. c. 176D, § 2 for engaging in unfair or deceptive acts in the business of insurance.

To resolve the matter without a public hearing, Mr. Waltke agreed to cease and desist from any future occurrences of the alleged conduct and pay a $2,500 fine. The settlement agreement, which is a reportable administrative action, was signed on April 11, 2025.

New York Agency Fined $2,500 for Unlicensed Activity

Bene Care Insurance Services (“BCIS”), a New York-based agency, settled with the Division for acting as a business entity insurance producer in Massachusetts without a license.

According to DOI records, the agency’s non-resident license expired on December 5, 2022, and was not renewed for nearly two years, until December 3, 2024. During that unlicensed period, BCIS renewed or sold 34 policies in the Commonwealth, which generated $18,072.27 in commissions from $150,037 in premium.

The Division alleged these 34 instances of writing business without a license were violations of M.G.L. c. 175, § 175 and M.G.L. c. 175, § 162R(a)(2). To resolve the allegations, BCIS agreed to waive a public hearing, cease and desist from the conduct, and pay a $2,500 fine. A representative for the agency signed the settlement agreement on January 14, 2025. The Division noted that the settlement is a reportable administrative event that must be disclosed on future license renewals in Massachusetts and other jurisdictions.

Public Adjuster Fined $1,500 for Working with an Expired License

The DOI investigated Military Housing Adjustors LLC (“MHA”) and its principal, Kenneth D. Ursaki, for operating in Massachusetts with an expired public insurance adjuster license. The agency’s license had expired on or about December 19, 2015.

The Division alleged that while unlicensed, MHA engaged in adjustment services and collected $19,864.00 in fees, a violation of M.G.L. c. 175, § 172. The potential penalty for each violation is a fine of up to $10,000.00.

In a settlement letter dated May 15, 2025, the Division offered to resolve the matter if MHA agreed to waive its right to a hearing, cease and desist from the alleged conduct, and pay a $1,500 fine. The settlement is a reportable administrative action. Mr. Ursaki signed the agreement on May 19, 2025.

Producer Settles Failure-to-Report Allegation with No Fine

The Division investigated producer Rami Mustafa for failing to report an administrative action from another state within the required 30-day timeframe. Mr. Mustafa had an “Agreed Order for a Voluntary Surrender of License” finalized by the Mississippi Insurance Department around April 2, 2024, but did not report it to the Massachusetts DOI.

The failure to report is a violation of M.G.L. c. 175, §162V (a). In a letter dated April 3, 2025, the Division proposed a resolution that required Mr. Mustafa to waive his hearing rights and cease and desist from any future violations.  The Division did not seek a monetary penalty, and the letter noted that Mr. Mustafa’s Massachusetts producer license was active and in good standing. The settlement is a reportable administrative action.