Yes, it is possible to have an organization with a comma in the name. I missed that in the sample data. ABC, Inc. does exist is the data. Also, in the macro:
Set db = CurrentDb
Set rs = db.OpenRecordset("FM0034")
Do While Not rs.EOF
nm = rs!Insured_Name <------ Do I have to explicitly name the field name here? Will it only work for the one field I define?