Is the use of Oxford commas necessary or are they a style choice deployed at the discretion of a contract's writer?

Part Three: 2022 Independent Insurance Agent Survey | Optimism prevails despite vexing insurance-agency challenges.

The commonwealth saw a large uptick in pet ownership in recent years, according to the insurtech.

APCIA reported the rule will continue to throw the state's insurance market into chaos and will raise rates for over a million consumers.