Requires the Department of Insurance to implement 11 NCAC 05A .0504 (Primary Personnel) as follows. Permits fire departments to apply to the Department of Insurance for waivers from the requirement that the fire department maintain 20 primary personnel, subject to the Office of State Fire Marshall's satisfaction that the waiver is justified by the volume of calls received by the fire department and would not cause a significant deterioration in the department's response capabilities. A waiver may not reduce the primary personnel requirement below 15. Directs the Commission to amend the Primary Personnel Rule consistent with these provisions.