# Effective use cases

Each use case: a question to ask your agent, the answer, what happened behind the scenes, the data and the price.

## Competitor rate research

Find competitors' rate and rule filings, read their rate manuals and actuarial memos, and compare rate changes and profit provisions.

Ask: "How are carriers calculating the profit provision for personal auto in Florida? Which approved filings support the highest one?"

Answer: Five approved filings use four methods. Of these five, Root selects the highest provision: 9.7% for liability and 10.3% for physical damage.

| Carrier | Liab. / phys. dmg. | Filing |
| --- | --- | --- |
| Root Florida | 9.7% / 10.3% | FL-26-015198 |
| Allstate Fire & Casualty | 6.8% / 6.8% | FL-25-049337 |
| Nationwide General | 4.04% / 5.0% | FL-24-096058 |
| State Farm Mutual | 1.0% | FL-25-020575 |
| Auto Club Insurance Co. of Florida | 0.0% / 0.0% | FL-26-027243 |

Behind the scenes:
1. `searchFilings`: Approved Florida private passenger auto filings · "underwriting profit and contingencies"
2. `getFileText ×5`: Profit and contingency exhibits: Root, Allstate, Nationwide, State Farm, Auto Club
3. `answer`: Selected provision from each exhibit, cited by filing number

Data: SERFF and Florida IRFS filings; Rate impact and form schedules; Full text of rate manuals and actuarial memos.

Price: $0.02 a search + $0.003 a row.

Guides: [Find the right filings](https://docs.effectiveai.app/guides/search-filings.md), [Interpret forms and rate impact](https://docs.effectiveai.app/guides/filing-research-data.md), [Read and cite documents](https://docs.effectiveai.app/guides/read-filing-documents.md)

## Filing prep and objections

Check a filing against state requirements before you submit it, and see what regulators objected to in similar filings.

Ask: "What did the New York DFS object to in recent private passenger auto rate filings?"

Answer: Recent letters on New York private passenger auto filings (August to October 2026) raise four kinds of issue:

| Issue | Carrier | Filing |
| --- | --- | --- |
| Show tort reform savings from Circular Letter No. 3 (2026) and complete Exhibit TR-1 | Standard Fire (Travelers) | TRVD-G134960408 |
| New vehicle symbols cannot go in a flex filing; file them separately | Palisades | HPIC-134906017 |
| Support the three-year expense averages in Exhibit J (RF-4) | Palisades | HPIC-134906017 |
| Use the current Rate Filing Sequence Checklist and report policyholders affected | Garrison P&C (USAA) | USAA-135069973 |

Behind the scenes:
1. `listFilingObjections`: New York · private passenger auto · letters since November 2025, newest first
2. `answer`: Grouped the issues the department raised and cited each filing

Data: State statutes, bulletins and filing checklists; Extracted filing requirements; Objection and response letters.

Price: $0.01 a letter or requirement.

Guides: [Research regulatory documents](https://docs.effectiveai.app/guides/regulatory-documents.md), [Research filing objections](https://docs.effectiveai.app/guides/research-filing-objections.md), [Filing pre-review](https://docs.effectiveai.app/guides/managed-filings/pre-review.md)

## Carrier financial checks

Compare premiums, losses, licenses and loss development by state and line of business from NAIC statutory statements.

Ask: "Compare State Farm Lloyds and Allstate Texas Lloyd's homeowners premiums and losses in Texas for 2025."

Answer: State Farm Lloyds wrote 14 times Allstate Texas Lloyd's premium in Texas homeowners in 2025, at a higher direct loss ratio.

| Carrier | Written premium | Losses incurred | Direct loss ratio |
| --- | --- | --- | --- |
| State Farm Lloyds | $4.01B | $2.22B | 56.9% |
| Allstate Texas Lloyd's | $284.3M | $133.2M | 46.5% |

Behind the scenes:
1. `listCarriers ×2`: Found State Farm Lloyds (NAIC 43419) and Allstate Texas Lloyd's (NAIC 26530)
2. `listCarrierStateResults ×2`: Texas · line 04 Homeowners multiple peril · 2025 · Statutory Page 14
3. `answer`: Loss ratio = direct losses incurred ÷ direct premium earned

Data: US carriers, groups and MGAs; NAIC state and line results; State licenses and loss development.

Price: Directory free · NAIC $0.02 a request + $0.05 a row.

Guides: [Research a carrier, group or MGA](https://docs.effectiveai.app/guides/carrier-filings.md), [Read annual carrier financials](https://docs.effectiveai.app/guides/carrier-financials.md), [Read carrier premiums and losses](https://docs.effectiveai.app/guides/naic-state-results.md)

## Rate against competitors

Rate a submission with competitors' filed rating plans and compare the premiums side by side.

Ask: "Which competitors' California auto raters can I run, and what does each need?"

Answer: Six market raters cover California private passenger auto. Each takes a book of policies (drivers, vehicles and coverages) and returns the premium and each coverage's amount.

| Rater | Carrier |
| --- | --- |
| Allstate Northbrook Indemnity California PPA | Allstate Northbrook Indemnity |
| CSAA California Select PPA | CSAA Insurance Exchange |
| GEICO Protection California PPA | GEICO Protection |
| Metromile California Pay-Per-Mile Auto | Metromile |
| Progressive Select California PPA | Progressive Select |
| Progressive UFCC California Auto | United Financial Casualty |

Behind the scenes:
1. `listRatingPrograms`: State CA · private passenger auto raters
2. `answer`: Listed each rater and the input it needs

Data: Market raters built from filed rating plans; Rater versions and input schemas.

Price: Rater access: talk to us.

Guides: [Raters](https://docs.effectiveai.app/guides/raters.md)

## Product tracking

Follow a carrier's product across states: its filings, manuals, forms and timeline of changes.

Ask: "Show the filing timeline of The Hartford's Spectrum BOP across states."

Answer: Since October 2023, The Hartford made 63 changes to Spectrum across 45 states, from 1,388 filings. Average approved rate changes: +8.6% in 2024, +8.7% in 2025, +7.5% in 2026.

| Recent change | States | Filing |
| --- | --- | --- |
| 2026 rate plan (+8%) | 26 in force | HART-134861592 |
| Generative AI exclusion | 37 in force | HART-135004088 |
| Flood coverage and a Handyperson class | 36 in force | HART-135013196 |

Behind the scenes:
1. `listProducts`: Businessowners (BOP) products · The Hartford Spectrum
2. `getProductTimelineDigest`: Changes, rate plans by year and filings across states
3. `answer`: Summarised the timeline and cited the latest filings

Data: Carrier products by product type; Linked filings, rate manuals and forms; Product timelines.

Price: Directory free · research data by request.

Guides: [Product hub](https://docs.effectiveai.app/guides/product-hub.md), [Find a product’s filings and files](https://docs.effectiveai.app/guides/product-resources.md)

## Employer risk

Match a business to its OSHA records. Then read its inspections, citations, injuries and injury rates.

Ask: "We're quoting workers' comp for Tecta America. How does its OSHA record compare with other roofers?"

Answer: Tecta America (84 sites in 10 states, matched by FEIN) had a higher injury rate than the roofing industry from 2021 to 2024 and a lower one in 2025. OSHA inspected it once since 2021: a serious fall protection citation at a Rhode Island roof job in March 2024, with the penalty cut from $6,452 to $4,516. No severe injury reports or deaths.

| Year | Tecta TRC rate | Roofing TRC rate | Days away |
| --- | --- | --- | --- |
| 2025 | 1.39 | 2.43 | 5 |
| 2024 | 3.88 | 2.65 | 177 |
| 2023 | 2.17 | 1.85 | 13 |
| 2022 | 2.20 | 1.31 | 48 |
| 2021 | 3.87 | 3.47 | 276 |

Behind the scenes:
1. `matchEmployers`: Tecta America · FEIN 84-1505685 · 84 sites in 10 states
2. `getEmployerOshaProfile`: Form 300A totals 2021 to 2025, inspections, citations, penalties
3. `getOshaIncidenceRates`: Roofing contractors (NAICS 238160), all states, 1,157 to 1,308 employers a year
4. `getEmployerEvents`: Inspection 347355422 · 29 CFR 1926.501(b)(10), serious
5. `answer`: Compared each year with the industry and cited the inspection

Data: OSHA employers and sites; Inspections, citations and incidents; Injury narratives and incidence rates.

Price: $0.02 a match + $0.003 a row · profile $0.10.

Guides: [OSHA employers](https://docs.effectiveai.app/guides/osha-employers.md)

## For agents

- API reference (OpenAPI): https://docs.effectiveai.app/openapi.json
- Docs index for LLMs: https://docs.effectiveai.app/llms.txt
- Connect an agent (instructions written for agents): https://docs.effectiveai.app/getting-started/agent-setup.md
- MCP server: https://mcp.effectiveai.app/api/mcp/v2 (Streamable HTTP, OAuth sign-in)
- API base URL: https://api.effectiveai.app/api/v2 (Bearer API key)