J. MILLARD TAWES, Governor                      297

incidental coverage with or supplemental to liability insurance;
motor vehicle physical damage, burglary and theft, glass, work-
men's compensation and employer's liability, boiler and machinery
insurance.

(2) Insurance against any other kind of loss, damage, or lia-
bility properly a subject of insurance and not within any other
kind of insurance as defined in paragraph (1) [in this subtitle]
of this section, if such insurance is not disapproved by the Com-
missioner as being contrary to law or public policy.

175.

An original application for license may be refused until the
Commissioner is satisfied under the provisions of [subsections]
sections 35-39 that the applicant is not guilty of violating any pro-
visions of this section. A license duly issued may be suspended or
revoked or the renewal thereof refused by the Commissioner if
he finds, after notice and hearing in accordance with the provisions
of Sections 35-39, that the applicant for, or holder of such license:

(1)   Has wilfully violated any provision of this article or of
any other law of this State relating to insurance as herein defined,
or relating to another type of insurance; or

(2)   Has intentionally misrepresented or concealed any material
act in the application for such license; or

(3)   Has obtained, or attempted to obtain, such license by mis-
representation, concealment or other fraud; or

(4)   Has misappropriated, converted or unlawfully withheld
money belonging to an insurer, agent, broker, beneficiary, or an
insured; or

(5)   Has wilfully and materially misrepresented the provisions
of an insurance policy; or

(6)   Has committed fraudulent or dishonest practices in the bus-
iness of insurance; or

(7)   Has been convicted by final judgment in any state or fed-
eral court of a crime involving moral turpitude; or

(8)   Has knowingly participated in the writing or issuance of
substantial over-insurance of any property insurance risks; or

(9)   Has failed to pass an examination required pursuant to
this subtitle; or

(10)   Has wilfully failed to comply with, or has wilfully vio-
lated, any proper order, rule or regulation issued by the Commis-
sioner; or

(11)   Has failed or refused, upon demand, to pay over any money
in his hands which belong to an insurer, agent, broker, or other
person entitled to receive the same; or

(12)   Has otherwise shown lack of trustworthiness or lack of
competence to act as agent; or

(13)   Is not or does not intend to carry on business in good
faith and hold himself out to the public as an agent or broker; or