Use cases
Research, filing and rating work for your agents
Ask in Claude, ChatGPT, Copilot or your code. Each use case shows the question, the answer and what happened behind the scenes.
Competitor rate research
Find competitors' rate and rule filings, read their rate manuals and actuarial memos, and compare rate changes and profit provisions.
How are carriers calculating the profit provision for personal auto in Florida? Which approved filings support the highest one?
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
searchFilingsApproved Florida private passenger auto filings · "underwriting profit and contingencies"getFileText ×5Profit and contingency exhibits: Root, Allstate, Nationwide, State Farm, Auto ClubanswerSelected 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 ↗Interpret forms and rate impact ↗Read and cite documents ↗
Filing prep and objections
Check a filing against state requirements before you submit it, and see what regulators objected to in similar filings.
What did the New York DFS object to in recent private passenger auto rate filings?
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
listFilingObjectionsNew York · private passenger auto · letters since November 2025, newest firstanswerGrouped 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 ↗Research filing objections ↗Filing pre-review ↗
Carrier financial checks
Compare premiums, losses, licenses and loss development by state and line of business from NAIC statutory statements.
Compare State Farm Lloyds and Allstate Texas Lloyd's homeowners premiums and losses in Texas for 2025.
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
listCarriers ×2Found State Farm Lloyds (NAIC 43419) and Allstate Texas Lloyd's (NAIC 26530)listCarrierStateResults ×2Texas · line 04 Homeowners multiple peril · 2025 · Statutory Page 14answerLoss 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 ↗Read annual carrier financials ↗Read carrier premiums and losses ↗
Rate against competitors
Rate a submission with competitors' filed rating plans and compare the premiums side by side.
Which competitors' California auto raters can I run, and what does each need?
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
listRatingProgramsState CA · private passenger auto ratersanswerListed 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 ↗
Product tracking
Follow a carrier's product across states: its filings, manuals, forms and timeline of changes.
Show the filing timeline of The Hartford's Spectrum BOP across states.
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
listProductsBusinessowners (BOP) products · The Hartford SpectrumgetProductTimelineDigestChanges, rate plans by year and filings across statesanswerSummarised 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 ↗Find a product’s filings and files ↗
Employer risk
Match a business to its OSHA records. Then read its inspections, citations, injuries and injury rates.
We're quoting workers' comp for Tecta America. How does its OSHA record compare with other roofers?
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
matchEmployersTecta America · FEIN 84-1505685 · 84 sites in 10 statesgetEmployerOshaProfileForm 300A totals 2021 to 2025, inspections, citations, penaltiesgetOshaIncidenceRatesRoofing contractors (NAICS 238160), all states, 1,157 to 1,308 employers a yeargetEmployerEventsInspection 347355422 · 29 CFR 1926.501(b)(10), seriousanswerCompared 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 ↗