An insurer that provides workers’ compensation insurance in the State shall have in the State competent individuals who: handle and adjust each disputed workers’ compensation claim in the State for the insurer; and possess the knowledge and experience to handle and adjust each disputed claim. An insurer that provides workers’ compensation insurance in the State shall establish a toll-free telephone number through which an insured or claimant, or a representative of an insured or claimant, may make direct telephone inquiries during regular business hours. The Commission may assess a fine not exceeding $1,000 on an insurer that does not comply with this section.