Provides that the annual cost of operating the insurance fraud program is charged to all organizations as an insurance fraud surcharge.

Requires each class of organization to contribute a sufficient amount to the insurance commissioner's fraud account to pay the reasonable costs of the program, including overhead.

Prohibits the insurance fraud surcharge from exceeding one-eighth of one percent of receipts; the minimum insurance fraud surcharge is one hundred dollars.

Creates the insurance commissioner's fraud account and requires the money collected for the surcharge to be deposited in that account.