A Yakima insurance agent and an unauthorized insurance company are barred from doing business
ss in Washington after Insurance Commissioner Patty Kuderer issued cease-and-desist orders in April.
Those were two enforcement actions during the first quarter in which Kuderer issued fines totaling $167,000 for insurance law violations.
Kuderer’s office investigated Carol E. Perez, the licensee for Perez Insurance Inc. in Yakima, for accepting premiums from a consumer but not forwarding thos
e payments to an insurance for a policy. The Office of the Insurance Commissioner said it revoked her
license and the agency’s license after a pair of complaints and her failure to respond to a notification of a financial examination.
The OIC opened an investigation after a consumer allegedly Perez wouldn't provide them with proof of insurance or policy information after the consumer file
d a claim on their business liability policy in 2023. The consumer called the insurance, which said the publication ha
dn't had an active policy since 2021, despite making premium payments to Perez each month.
The company also told investigators that it had no agreement with Perez's agency, which had no authority to issue insurance on its behalf.
A second complaint against Perez’s agency stated that a consumer paid their full six months
nth premium for a life insurance policy, but received a notice of cancellation shortly after the p
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olicy was supposed to go into effect. The agency told the consumer there were no issues, but they received a collection notice and learned their payment was returned for insufficient funds.
The OIC opened a financial examination into the company in November of 2025, but
notices of the examination were returned undeliverable. Any consumers in the Yakima area who were impacted by Perez's agency should file a complaint with the OIC.
Kuderer’s office also issued a cease-and-desist order to Kangaroo Security LLC, along with an $80,000 fine, for selling unauthorized insurance plans as part of an app and home security camera system.
Kuderer's office fined Roo Inc. (doing business as Kangaroo Security LLC) $80,000 and ordered the company to stop selling unlicensed insurance products in Washington.
Kangaroo Security offers two plans that featured theft reimbursement, with losses eligible for coverage if they were in sight of an installed sm
art camera device. The company told the OIC's Investigators that it does not sell insurance and said its
plans are premium features that unlock in its app that acccompanies its camera products, with the coverage being a second benefit.
The company’s website features a “Kangaroo Insurance Coverage Claim Form,” and its plan offerings meet the state’s definition of insurance.
Kangaroo Security reported collected $58,061 from consumers with Washington area codes between 2019 and 2025. The company had 573 users and 674 ac
counts in Washington, which reported 17 total claims. The company sells camera devices to at least 220 Wa
shington consumers with a total of 293 protection plans.
In addition to the fine, the company is ordered to pay outstanding premium taxes, interest, and a 20% penalty on the total amount of past-due taxes.
The company has 90 days from the day the order was filed to request a hearing to appeal the order before it becomes final.
