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| Home > Insurance Division > Enforcement Activity |
| 2026 Division of Insurance Enforcement Activity |
January > February > March > April
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| Please Note: P.L. 2013, c. 259 became effective on July 1, 2014. This law amended the Administrative Procedure Act, R.S. 52:14B-1 et seq. One of the amendments requires all state agencies to post on their websites all non-confidential final agency orders, decisions and opinions. Accordingly, all such final agency orders or decisions in disciplinary actions issued subsequent to July 1, 2014 may be accessed by clicking on the link within the summaries below. Orders or decisions issued on such matters prior to July 1, 2014 are available upon request to the Division of Insurance. |
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| April |
Consent Orders
Garden State Public Adjusters, Marlton, NJ
Matthew J. Moore, Marlton, NJ
Order #E26-51, April 17, 2026
Respondents failed to timely submit an executed appraisal demand to an insurer on behalf of a New Jersey insured.
Sanction: Fine - $2,500
Hillis Adjustment Agency Inc., Bensalem, PA
Order #E26-52, April 17, 2026
Respondent issued two public adjuster contracts that failed to contain the required terms and conditions.
Sanction: Fine - $2,500
People’s Choice Public Adjusters, Mullica Hill, NJ
Noelle Renee Cobin, Mullica Hill, NJ
Order #E26-53, April 17, 2026
Respondents issued public adjuster contracts that failed to contain the required terms and conditions and permitted the unlicensed participation of an individual with a revoked license in the adjustment of claims.
Sanction: Revocation of license
Adam Holeman, Old Bridge, NJ
Order #E26-54, April 17, 2026
Respondent forged the signature of a New Jersey insured on an insurance application.
Sanction: Revocation of license
Jack R. Sudol, Matawan, NJ
Order #E26-55, April 17, 2026
Respondent provided false and misleading information to an insurer in connection with reinstating an insurance policy, including misrepresenting that no losses occurred during a lapse in coverage despite a known accident.
Sanction: Fine - $10,250 (Producer Act violations - $5,000; Fraud Act violations - $5,000, Fraud Act surcharge - $250)
Roger Shockley, Freehold, NJ
Order #E26-56, April 17, 2026
Respondent submitted multiple applications that contained false and misleading information.
Sanction: Fine - $15,000
Robert E. Perrone, Jr., Williamstown, NJ
Order #E26-57, April 21, 2026
Respondent failed to report criminal charges arising from an indictment.
Sanction: Revocation of license
Robert C. Martin, Durham, NC
Order #E26-58, April 21, 2026
Respondent failed to report an administrative action taken by the North Carolina Department of Insurance.
Sanction: Fine - $1,000
Brian Callahan, Little Falls, NJ
Order #E26-59, April 21, 2026
Respondent submitted multiple insurance applications that contained inaccurate information.
Sanction: Fine - $15,000
Orders to Show Cause
Mario Rivero, Miami, FL
Order #E26-49, April 17, 2026
Respondent is charged with misappropriating more than $500,000 from clients through deceptive investment practices, and failing to report material regulatory and criminal actions, including a Financial Industry Regulatory Authority bar, federal fraud charges and conviction, and a New Jersey Bureau of Securities revocation order.
Victor L. Fonseca, Jersey City, NJ
Goretti Nobre, LLC, Jersey City, NJ
Order #E26-50, April 17, 2026
Respondents are charged with engaging in a fraudulent scheme to overcharge insurance clients by inflating premiums, misrepresenting policy terms and affiliations, and retaining unearned funds for personal profit; submitting false information in premium finance agreements; failing to timely remit premium payments; collection fees without written agreements; and conducting unlicensed insurance business. |
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| March |
Final Order
Leon Lowenthal, Monsey, NY
Order #E26-31, March 13,2026
Respondent submitted four life insurance applications without the knowledge or consent of the applicants. Each of the four applications submitted contained false and misleading information and forged signatures to earn a greater commission amount.
Sanction: Revocation of License; Fine – $40,000 ($20,000 for Producer Act violations and $20,000 for Fraud Act violations), Costs - $1,500, Attorneys’ Fees - $4,082, Fraud Act Surcharge - $1,000
Consent Orders
Clarity RCM LLC, San Francisco, CA
Order #E26-32, March 20, 2026
Respondent operated a third party billing service in New Jersey without obtaining prior certification from the Department.
Sanction: Fine - $5,000
Thomas Mulligan, Farmingdale, NJ
Order #E26-33, March 20, 2026
Respondent failed to report actions taken against them from the State of Kansas Department of Insurance and State of Kentucky Insurance Department.
Sanction: Fine - $5,000
Tamia V. Wilkerson, Williamstown, NJ
Order #E26-34, March 20, 2026
Respondent issued a public adjuster contract, on behalf of her unlicensed entity, Arch Graphics, which failed to contain the required terms and conditions. Respondent also submitted false and misleading information to an insurer in an attempt to obtain additional claim payments.
Sanction: Revocation of license
Unified Health LLC, West Jordan, UT
Order #E26-35, March 20, 2026
Respondent sent mailers to New Jersey Medicare members that failed to identify the insurance producer and contained language misleading recipients to believe an immediate response was required.
Sanction: Fine - $9,500
Vinod Babu, West Hempstead, NY
Order #E26-36, March 20, 2026
Respondent submitted two automobile insurance applications with false information to obtain favorable premiums for New Jersey insureds.
Sanction: Revocation of license
Renegade Insurance LLC, Beaverton, OR
Order #E26-37, March 20, 2026
Respondent employed an unlicensed individual and paid commissions to said unlicensed individual for 23 policies.
Sanction: Fine - $23,000
Richard B. Kay, Cedar Knolls, NJ
Order #E26-38, March 23, 2026
Respondent conducted an unsolicited telephone call to a potential Medicare enrollee.
Sanction: Fine - $2,500; Costs - $462.50
Aflac Benefits Solutions, Inc., Tampa, FL
Order #E26-40, March 30, 2026
Respondent operated a certified organized delivery system in New Jersey without obtaining prior certification from the Department.
Sanction: Fine - $5,000
Insurance Office of America Inc., Longwood, FL
Order #E26-41, March 30, 2026
Respondent paid commissions to an unlicensed individual while they were an employee of the agency.
Sanction: Fine - $20,000
Burrowes Insurance Group, Inc., West Palm Beach, FL
Order #E26-42, March 30, 2026
Respondent employed an unlicensed individual and paid commissions to said unlicensed individual for one policy.
Sanction: Fine - $5,000
Fairmount Agency, Inc., Summit, NJ
Order #E26-43, March 30, 2026
Respondent changed ownership and failed to notify the Commissioner within 30 days of said change as required.
Sanction: Fine - $2,500
Thomas D. Fish, Long Branch, NJ
Order #E26-44, March 30, 2026
Respondent, while unlicensed, engaged in the business of insurance by submitting a total of 30 policies.
Sanction: Fine - $3,750
Thomas Dispenza, Marlton, NJ
Order #E26-45, March 30, 2026
Respondent submitted a New Jersey insurance application to Standard Insurance Company, knowing it was completed by an unauthorized individual.
Sanction: Fine - $10,000
United States Fire Insurance Company, Morristown, NJ
Order #E26-46, March 30, 2026
Respondent issued 1,936 group certificates to New Jersey residents that were marketed as hospital confinement indemnity coverage, but failed to comply with New Jersey individual health benefits plan requirements.
Sanction: Fine - $395,000
Orders to Show Cause
Kenneth Clark, Perth Amboy, NJ
Order #E26-29, March 2, 2026
Respondent is charged with submitting life insurance applications in the names of two individuals without their knowledge or authorization, using false and fictitious personal identifying information, and forging their signatures in order to obtain commission payments. Respondent is further charged with failing to cooperate with the Department investigation.
Derek Dixon, Atco, NJ
Order #E26-30, March 13, 2026
Respondent is charged making false statements to an insurance company in support of a theft claim and causing another individual to submit false information, engaging in fraudulent and dishonest practices, failing to report criminal charges, and providing false information on a license application.
Vincent Lawrence, Delran, NJ
Major Lawrence Group, LLC, Delran, NJ
Order #E26-39, March 23, 2026
Respondents are charged with engaging in the business of public adjusting without a license and executing unlawful and unauthorized adjuster contracts while the business entity license was expired. Respondents are further charged with using deficient adjuster contracts that failed to comply with statutory and regulatory requirements by not clearly specifying the services to be rendered.
Joseph Giardina, South Salem, NY
Order #E26-47, March 30, 2026
Respondent is charged with providing false information on a license application, failing to report criminal charges and regulatory disciplinary actions, and engaging in fraudulent and dishonest practices involving the misappropriation of client funds.
Patrick Garcis, Lawrenceville, NJ
Order #E26-48, March 30, 2026
Respondent is charged with submitting numerous fraudulent and fictitious insurance applications without authorization, in order to obtain commission payments. |
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| February |
Final Order
Glen Cardace, Brick, NJ
Order #E26-24, February 9, 2026
Respondent impersonated his wife and applied for life insurance in her name without her knowledge and/or consent.
Sanction: Revocation of License; Fine – $10,000 ($5,000 for Producer Act violations and $5,000 for Fraud Act violations), Costs - $700, Attorneys’ Fees - $5,000, Fraud Act Surcharge - $1,000
Consent Order
EZ Interstate Billing Inc., Newark, NJ
Order #E26-26, February 9, 2026
Respondent operated a third party billing service in New Jersey without obtaining prior certification from the Department and provided false information during the application process.
Sanction: Fine - $10,000
Orders to Show Cause
Biyun Zong, Boonton, NJ
Order #E26-25, February 9, 2026
Respondent is charged with accepting insurance business from an unlicensed individual, paying commissions to an unlicensed individual and completing, signing and submitting life insurance applications containing false and misleading information.
James Hartman Wismer, Jr. , Philadelphia, PA
David Dallmer, Furlong, PA
Ace Public Adjuster, Inc., Philadelphia, PA
Order #E26-27, February 17, 2026
Respondents are charged with engaging in the business of a public adjuster without being licensed, depositing a settlement check without obtaining the signatures of the insureds, failing to maintain an escrow or trust account, and with using a public adjuster contract that did not contain required terms and conditions.
Kim Fatzer a/k/a Kim Marie DiGiacomo, Kinnelon, NJ
Order #E26-28, February 17, 2026
Respondent is charged with falsely identifying herself to New Jersey Manufacturers Insurance Company for the purpose of fraudulently adding an individual to an existing insurance policy at a reduced premium. |
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| January |
Final Orders
Ramon Herrera, Union City, NJ
Order #E26-04, January 1, 2026
Respondent failed to report a FINRA action taken against him, misappropriated financial client funds and was convicted of a federal criminal charge of wire fraud.
Sanction: Revocation of License; Fine – $15,000; Costs - $825
Angelo Maimone and eSurranty, Inc., Miami, FL
Order #E26-05, January 20, 2026
Respondents sold cell phone insurance policies to New Jersey residents without obtaining an insurance producer license and misappropriated claim funds.
Sanction: Fine – $75,000; Costs - $775; Restitution - $788.74
Bernadette J. Jacobus f/k/a/ Bernadette J. Johansson, Hackettstown, NJ
Order #E26-06, January 20, 2026
Respondent failed to disclose all drivers in her household and misrepresented ownership of risk vehicles on automobile policy.
Sanction: Revocation of License; Fine – $20,000 ($10,000 for Producer Act violations and $10,000 for Fraud Act violations), Costs - $900, Attorneys’ Fees - $10,000, Fraud Act Surcharge - $1,000
Silkia Ostrander and Rapid Bail Bonds, LLC, Las Vegas, NV
Order #E26-07, January 20, 2026
Respondents misappropriated and failed to return collateral received in the course of a bail bond transaction and failed to cooperate with a Department investigation.
Sanction: Silkia Ostrander – Revocation of License; Rapid Bail Bonds, LLC - Revocation of License; Fine – $20,000, Costs - $2,750; Restitution - $20,000
Jahvon Thompson, North Miami, FL
Order #E26-08, January 20, 2026
Respondent failed to report actions against his insurance license in the states of Iowa, North Carolina and Ohio.
Sanction: Revocation of License; Fine – $4,500, Costs - $412.50
Carl L. Ellen, Passaic, NJ
Order #E26-09, January 20, 2026
Respondent provided a fraudulent document in support of an application for a Special Automobile Insurance policy.
Sanction: Revocation of License; Fine – $10,000 ($5,000 for Producer Act violations and $5,000 for Fraud Act violations), Costs - $812.50, Attorneys’ Fees - $2,000, Fraud Act Surcharge - $1,000
Lawrence S. Ackerman and Atlantic Business Association, Inc., Demarest, NJ
Order #E26-10, January 20, 2026
Respondents conducted insurance business without being licensed, sold unapproved health insurance policies, falsely identified persons as employees to obtain health insurance and defrauded an insurance carrier. Respondents were also criminally convicted of healthcare fraud by the federal government and failed to report the conviction to the Commissioner.
Sanction: Revocation of License – Lawrence Ackerman; Fine – $95,000, Costs - $362.50
Consent Orders
Medsol Billing LLC, Scarsdale, NY
Order #E26-01, January 15, 2026
Respondent operated a third party billing service in New Jersey without obtaining prior certification from the Department.
Sanction: Fine - $5,000
Asher & Associates, Lakewood, NJ
Order #E26-02, January 15, 2026
Respondent operated a third party billing service in New Jersey without obtaining prior certification from the Department.
Sanction: Fine - $5,000
Order of Remand
Diversified Public Adjusters, LLC and Joseph Vulpis, Millstone Township, NJ
Order #E26-03, January 16, 2026
In the matter of Order to Show Cause E19-32, it was determined and ordered that the matter is dismissed and the monetary penalties and costs ordered in Final Order #E22-50 are vacated.
Orders to Show Cause
Daniel R. Shrader, Camden, NJ
Barley Shrader, Summerville, SC
East Coast Adjusters, LLC, Summerville, SC
Order #E26-11, January 20, 2026
Respondents are charged with misappropriating and failing to remit insurance proceeds to NJ insureds.
Gerald J. Gregor and Gregor Insurance Group, LLC, Morristown, NJ
Order #E26-12, January 20, 2026
Respondents are charged with conducting insurance business without being licensed and improperly charging a service fee for services rendered in the sale or service of health insurance.
Liberty Mutual Mid Atlantic Insurance Company, Boston, MA
Wausau Underwriters Insurance Company, Wausau, WI
Liberty Mutual fire Insurance Company, Wausau, WI
Order #E26-13, January 20, 2026
Respondents are charged with failing to identify the due date of premium in renewal packets sent to insureds.
Carl W. Garnes, Sewell, NJ
Order #E26-14, January 20, 2026
Respondent is charged with completing, signing and submitting a life insurance application containing false and misleading information.
Richard B. Kay, Princeton, NJ
Order #E26-15, January 20, 2026
Respondent is charged with conducting an unsolicited telephone call to a potential Medicare enrollee.
Veronica Sanchez and Veronica’s Insurance Agency, Inc., Paterson, NJ
Order #E26-16, January 20, 2026
Respondents are charged with overcharging service fees and charging service fees without entering into a separate written fee agreement.
Leon A. Lowenthal, Monsey, NY
Order #E26-17, January 20, 2026
Respondent is charged with submitting four life insurance applications without the knowledge or consent of applicants that contained false and misleading information and forged signatures in order to earn a greater commission amount.
Yechiel B. Katz d/b/a Benny Katz, Lakewood, NJ
Order #E26-18, January 20, 2026
Respondent is charged with submitting four applications for insurance that contained false and misleading information of how policy premiums would be paid in order to receive an advanced commission.
Manish H. Shah, New Hope, PA
Order #E26-19, January 20, 2026
Respondent is charged with failing to report actions taken against him by the Insurance Department of the Commonwealth of Pennsylvania, Commonwealth of Virginia State Corporation Commission, Financial Industry Regulatory Authority (FINRA) and the New Jersey Bureau of Securities, and submitted a false statement on his insurance license renewal application.
Theodore E. Tracey, Hackensack, NJ
Order #E26-20, January 20, 2026
Respondent is charged with misappropriating insurance funds received and failing to cooperate with the Department’s investigation.
Marc H. Smith and Secure Retirement Strategies, LLC, Mechanicsville, PA
Order #E26-21, January 20, 2026
Respondents are charged with circulating 15,000 mailers that failed to identify the name of the producer, insurer and description of services/products.
Ariel Hessing and Walnut Advisory Corporation, Green Brook, NJ
Order #E26-22, January 20, 2026
Respondents are charged with failing to remit insurance funds, misappropriating insurance funds, failing to maintain proper records, failing to maintain a trust account and operating a trust account with insufficient funds. |
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