The Commissioner shall establish divisions or sections in the Administration, along the following lines of responsibility: life insurance and health insurance; property insurance and casualty insurance; audit and examination; insurance professions; consumer affairs; and insurance fraud. The Commissioner may: establish other areas of responsibility in the Administration; and reorganize or abolish areas of responsibility as necessary to fulfill effectively the duties of the Commissioner. The Commissioner shall report to the General Assembly about: the initial organizational structure of the Administration; and any substantial changes in organizational structure. The organization of each division shall be according to functional area and shall be designed for efficiency, service to the public, and effective regulation.