What action may the Commissioner take against an unauthorized insurer that violates a cease and desist order?

The Commissioner has the authority to take multiple actions against an unauthorized insurer that violates a cease and desist order, making the choice of "both A and B" the correct answer. In this context, a civil penalty serves as a financial consequence, aiming to deter the insurer from future violations and uphold regulatory compliance. The authority to impose civil penalties reflects the Commissioner's role in enforcing regulatory standards.

Additionally, directing restitution to affected parties ensures that those harmed by the unauthorized activities are compensated, which aligns with the principles of fair treatment in the insurance market. This dual approach emphasizes accountability and consumer protection. Overall, the Commissioner’s ability to enforce penalties and provide restitution illustrates the seriousness of compliance within the insurance industry and highlights the measures taken to safeguard public interests.