At what times must records be made available to the Commissioner?

The correct answer emphasizes that records must be made available to the Commissioner at all times, underscoring the importance of transparency and accessibility in the insurance industry. This requirement reflects the regulatory framework established to ensure that the Commissioner can effectively monitor compliance with insurance laws and maintain oversight of insurance practices.

Maintaining records at all times means that during any inspection or inquiry, the appointed officials can access necessary documentation without delay, which is essential for accountability in the industry. This standard allows for a proactive regulatory approach rather than reactive, ensuring that any potential issues can be identified and addressed promptly.

Other options suggest limited access, which does not align with the regulatory objective of continuous oversight. Availability only during business hours, once a month, or only upon request would hinder the Commissioner's ability to assess compliance and could lead to gaps in oversight. Thus, the requirement for records to be accessible at all times reinforces the responsibility of the broker to maintain organized and readily available documentation for regulatory review.