Market Conduct

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The Division of Market Conduct is dedicated to conducting impartial market conduct analysis and examinations to identify potential consumer harm and regulatory violations for state insurance departments.  The Division offers a range of services, including targeted and comprehensive examinations, single and multi-state examinations, market regulation program development, market regulation consultation, market analysis (including Level 1, Level 2, and Market Conduct Annual Statement (MCAS) reviews), and data analysis.

We specialize in examining all lines of business, including:

  • Private Passenger Automobile,
  • Professional Liability,
  • Homeowners,
  • Dwelling Fire,
  • Commercial Automobile,
  • Commercial Multiple Peril,
  • Workers’ Compensation,
  • Whole Life,
  • Universal Life,
  • Term Life,
  • Annuities

Our professionals have earned the IRES Certified Insurance Examiner (CIE), Accredited Insurance Examiner (AIE), or Market Conduct Management (MCM) designations. Our team members bring a diverse range of expertise and experience, including former insurance company compliance attorneys, former National Association of Insurance Commissioner (NAIC) Market Regulation Staff, the NAIC’s first Market Analysis Manager, and former state regulators including Division Directors and Chief Market Conduct examiner.

Each team member brings a specialized area of focus including extensive underwriting or rating expertise and claims handling experience. Our team is passionate about market regulation and helping state regulators identify issues and areas of concern. We are committed to providing exceptional market conduct analysis and examinations to ensure consumer protection and regulatory compliance. Contact us to learn more about how we can assist your state insurance department.

Division Leadership

Craig L. Leonard, CPCU, CCP, CIE, FLMI, ARC, AIAF, ARMDirector

Craig has 30+ years in the insurance industry including 23 years as a state regulator, NAIC…

Kelly Wylie, MCM, CPCU, ARM, SCLA, AIC-MManager

Kelly has 30+ years in the Property and Casualty insurance industry which includes agency, underwriting and…

Scott RhodesSupervisor

Scott began his insurance career as a college intern at the Missouri Department of Insurance as…