Two Atlanta, Ga.-based insurance companies agreed to pay Virginia regulators $100,000 for insurance license violations, including improperly sharing commissions with unlicensed people and failing to properly appoint agents.

The two property-casualty insurance companies, Omni Insurance Co. and Omni Indemnity Co., also agreed to pay $18,745 in restitution to 48 policyholders after the violations were found in a market conduct examination performed by the Virginia State Corporation Commission’s Bureau of Insurance.

The bureau’s examination found evidence that the companies failed to provide accurate information required on insurance policies, misrepresented the terms of policies, failed to rate policies with accurate credit information and failed to properly terminate policies.

Investigators also found that the companies issued insurance policies that did not abide by the rate and supplementary rate information filings in effect for the company.

The companies also were found to have failed to provide convenient access to files, documents and records requested in the investigation.

The case filing indicates that Omni Insurance and Omni Indemnity did not admit to any of the findings, but did agree to pay the fine to settle the case.