Our online library contains property, casualty, life and health insurance filings from all fifty states and Washington D.C. as they appear on file at the various Departments of Insurance. Some states contain complete personal and/or commercial filing information while others contain files we've acquired for previous competitive intelligence research projects.
Please refer to our Overview
for more details.
To purchase documents simply check the box on the far left next to the document(s), then click the shopping cart icon toward the top of the search result. You can check out from here or continue shopping. If you have a coupon code, you should enter it here before clicking the "check out" button. When you are ready to purchase the documents in your shopping cart, click the "check out" button. The next screen will ask you to verify your billing information and confirm the purchase by asking you to click the "purchase documents now" button. The next page is not only a receipt for your records, but the place you initially access your documents. To download the documents you purchased, click on the RFC link or click on "documents downloaded by this user" under My Account.
An invoice will automatically be emailed to you or your designated billing contact
at the end of the month. This invoice will contain all of your downloads for the month. Payment is due upon receipt.
If your company wishes to designate one billing contact
, please Contact Us to set up an umbrella billing account. All users should register and create their own unique user name and password. New users can be added to the billing group upon request.
A billing group allows several users, each with their own, unique user name and password, to download filings at will. At the end of the month an invoice will be automatically sent to the designated billing contact. The invoice will be broken down by user name, date and file description, thus allowing one point of contact for billing, while still maintaining the download history of the individual user. All members of a billing group have access to any filing purchased by a member of the billing group. To add a new user to an existing account/billing group, enter the account number under "Billing Information" during the registration process. To combine existing accounts, please Contact us
Professional Edition service does not expire. Enterprise Edition subscribers will receive an e-mail prior to the expiration date reminding them to renew their subscription.
To save a filing, click on the RFC link on your receipt to open the PDF file, then click on the floppy disk icon in the upper left corner of the Adobe toolbar. A window will pop up allowing you to save the file in your computer.
you agreed to when you registered for your RateFilings.com account.
Basic Access users have unlimited access to all purchased filings for 30 days to the date of purchase. Premier Access members have unlimited access to all purchased documents, indefinitely.
If you accidentally delete a file, login to RateFilings.com and click on profile on menu bar(for My Account link) or through filing library All purchased filing link, then click "Documents downloaded by this user" link. This screen will allow you to search for all documents purchased on RateFilings.com. If the file was purchased less than 30 days ago, you can re-download the file.
To view a record of all purchased documents logon to RateFilings.com and click on profile on menu bar(for My Account link), then click "Documents downloaded by this user" link. This screen will allow you to search for all documents purchased on RateFilings.com.
Login to RateFilings.com and click on profile on menu bar(for My Account link). Then click "Documents downloaded by this user" link. This screen will allow you to search for all documents purchased on RateFilings.com and will also provide a link to the invoice for each purchased document.
No, to use RateFilings.com all you need is a web browser and the free Adobe Acrobat Reader.
You can check your Filing Monitors at any time. You can also set RateFilings.com to automatically email you every day, week or month. To access this feature, Click on Apps menu, click on filing monitor to display your filing monitors, then click on the "Edit Filing Monitor" Button on the top right corner of the page, select how often you would like to receive your updates and click "Notify".
, or other important messages. For questions on technical problems, please Contact us
RateFilings.com is set up to facilitate automatic downloads. If you would like your filing in any other format, please Contact us
. Additional charges may apply.
Filing preview is only available to Enterprise Edition and Unlimited Edition subscribers. Select on “Preview/Open” on the far right of your screen to preview pages within the document.
Filings entered prior to February of 2008 will preview the first five pages or 20% of the document.
Filings entered after February of 2008 will preview Filing Descriptions, Dispositions, Rate Filing Schedule for Non-SERFF Rate filings, Memorandum and Cover Letters.
Click on the "Set default sort" button, found on the top of any search results screen.
If you need competitive filing research such as a report on specific market trends, a detailed rate or form comparison, current rate manuals assembled from various filings or limited, specific information from a filing such as LCMs email firstname.lastname@example.org. Competitive Intelligence charges $130 per hour for research time and per page charges that vary by state.
Some states on RateFilings.com contain complete personal and or commercial filing information while others contain files we've acquired for previous competitive intelligence research projects. If you need a file that is not listed, Perr&Knight will go to the appropriate department of insurance and obtain the requested file or information from the file, email email@example.com. Competitive Intelligence charges $130 per hour for research time and per page charges that vary by state.
Filings for the Insurance Services Office, Inc. (ISO) and the American Association of Insurance Services (AAIS) are copyright material and therefore not available to the public from RateFilings.com or Perr&Knight, Inc. You should contact ISO or AAIS directly to obtain a copy of their filings.
If you've forgotten your login information,select Login on the right of your home screen, then select either “Retrieve password’ or “Retrieve username”. You will receive an email which will prompt you to create a new username or password.
To change your email information, or any of your user information, click on Profile on the menu then click on 'Edit user data'
If you change companies (as opposed to your company changing names) you should register for a new account and enter all your new information. We kindly ask you to Contact us
and let us know.
Boolean operators allow terms to be combined through logic operators. We support AND, "+", OR, NOT and "-" as Boolean operators(Note: Boolean operators must be ALL CAPS).
The AND operator is the default conjunction operator. This means that if there is no Boolean operator between two terms, the AND operator is used. The AND operator links two terms and finds a matching document if both terms exist in a single document. .This is equivalent to an intersection using sets. The symbol && can be used in place of the word AND.
To search for documents that contain "workers liability" and "program auto" use the query:
"workers liability" AND "program auto"
The OR operator matches documents where either of the terms exist in a document. This is equivalent to a union using sets. The symbol || can be used in place of the word OR.
To search for documents that contain either "workers liability" or just "workers" use the query:
"workers liability" workers
" workers liability" OR workers
The "+" or required operator requires that the term after the "+" symbol exist somewhere in a single document.
To search for documents that must contain "workers" and may contain "auto" use the query:
The NOT operator excludes documents that contain the term after NOT. This is equivalent to a difference using sets. The symbol ! can be used in place of the word NOT.
To search for documents that contain "workers liability" but not "program auto" use the query:
NOT "program auto"
"workers liability" NOT "program auto"
The "-" or prohibit operator excludes documents that contain the term after the "-" symbol.
To search for documents that contain "workers liability" but not "program auto" use the query:
"workers liability" -"program auto"
Search supports using parentheses to group clauses to form sub queries. This can be very useful if you want to control the Boolean logic for a query.
To search for either "workers" or "program" and "auto" use the query:
(workers OR program) AND auto
This eliminates any confusion and makes sure you that “auto” must exist and either term workers or program may exist.
Search any word(s) that may appear in the program name, brief description or comments field, such as exclusion, loss cost, motorcycle. Note: Although the keyword search works equally for Basic Access and Premier Access users, Basic users are not able to see the brief description or comments fields.
This is the NAIC assigned group number. You may enter multiple numbers by separating them by spaces.
This is the formal group name (not an abbreviation).
This is the formal company name. Tip: if "CIGNA Property & Casualty Company" yields no result, try "CIGNA Property and Casualty Company". Abbreviations will not match unless they are in the official company name. Usually it will only make sense to search by group or by company. You cannot search for Allstate "Group" and State Farm Fire & Casualty within the same search and expect results unless Allstate has bought State Farm. You should either enter Allstate or State Farm in the company box or the group box.
Select the line type of the filing: Personal, Commercial, Workers’ Compensation, Financial Statement or Title.
The unique "Rate Filings Catalog" number for the document, starting with the state abbreviation, followed by the line type prefix, followed by a 5 digit numeric code.
The department of insurance number assigned to the filing.
Select the proposed or approved rate increase or decrease. Choose increase or decrease from the pulldown, then in the blank field enter the percentage increase or decrease; e.g. 5.2 for greater than or equal to 5.2%. A "decrease greater than 10" means a rate change of -10% or LESS in a mathematical sense; i.e., -12%, -15%, etc. A "decrease less than 10" will search for rate changes between 0 and -10%. The value in the box is always included in the search.
Select "Filing Date" - The date the file was submitted to the DOI. Note: In CA the Filing Date is the same as the Public Notice Date; "NB effective" - New Business Effective Date or "RB effective"- Renewal Business Effective Date. In the blank fields that follow, you can enter a specific date range. Files received and indexed by Perr&Knight prior to 10/6/03 will only contain the New Business Effective Date; files indexed after 10/6/03 will display both dates.
Describes how the company categorized the file for the respective department of insurance. Multiple options can and should be selected by holding down the control key, or by adding each LOB individually. This is an "or" search - so selecting Rate and Form will bring back any filing listed as Rate, Form, Rate & Form, Rate & Rule, etc.
Line of Business:
The line of business that relates to the individual department of insurance. Multiple options can and should be selected by holding down the control key, or by adding each LOB individually.
A filing with the status “Filed/Approved” implies that the filing has been closed, filed away, and/or approved by the Department of Insurance for that particular state.
Yes. If the filing you are looking for was filed under Prior Approval law and the status of the filing is “Filed/Approved”, that means the filing is approved.
There were 11 statuses used on ratefilings.com (see table below for more information). Currently, we have simplified them into 3 new statuses which are “Filed/Approved”, “Pending”, and “Disapproved/Withdrawn”.
1. Filings that are closed, filed away, and/or approved by the Department of Insurance will have the status “Filed/Approved”
2. Filings that are still pending an action from the Department of Insurance will have the status “Pending”
3. Filings that have been disapproved by the Department of Insurance or withdrawn by the filing company will have the status “Disapproved/Withdrawn”
The table below shows the mapping from old status to new status.
|Deemed || Filed/Approved|
|Disapproved || Disapproved/Withdrawn|
|File & Use ||Filed/Approved|
|Use & File||Filed/Approved|