Section 4-109 - Issuance or disapproval of initial certificate of authority(a) Within a reasonable time after the filing of a completed application for an initial certificate of authority, the Commissioner shall: (1) issue an appropriate certificate of authority; or(2) disapprove the application and state the grounds for disapproval.(b) On request of an insurer, the Commissioner may issue a certificate of authority limited to a particular type of insurance or insurance coverage within the scope of a kind of insurance.