Relating to authorizing the Insurance Commission to promulgate a legislative rule relating to mass marketing of property and liability insurance.

HB 4243 authorizes West Virginia's Insurance Commission to create and enforce rules governing how insurance companies market property and liability insurance to large groups of people (mass marketing). The bill directly affects insurance companies that sell policies through mass marketing channels, such as online or direct mail campaigns. It formalizes an existing proposed rule (114 CSR 09) that was already filed with the State Register on July 25, 2025, giving the Commission legal authority to implement these specific marketing regulations. This is a procedural step to codify the Commission's rule-making power, not a new policy change.