Which of the following does NOT need to be reported to the insurance commissioner?

Minor traffic violations do not need to be reported to the insurance commissioner because they typically do not have an impact on an individual's ability to fulfill the duties and responsibilities associated with their insurance license or business operations. The insurance commissioner is primarily concerned with issues that could affect the financial stability, ethical conduct, or legal standing of an insurance provider or agent.

In contrast, bankruptcy must be reported since it can indicate financial instability or insolvency, which directly affects an insurance agent or company's capacity to meet obligations. Complaints from clients are also significant as they reflect on the conduct and reliability of the insurance provider, prompting the commissioner's oversight for consumer protection. Changes in business ownership are critical for regulatory purposes too, as they may alter the control and management of the insurance entity, potentially impacting its operations and compliance with regulations.