Regulatory Compliance
50-state rate/form filing, market conduct, bureau reporting & AML
States Current
48 / 50
2 attention
Open Complaints
9
Avg. Resolution
6.2 days
AML Reviews Pending
3
State Compliance
Rate & Form Filings
Statistical Reporting
Statutory Financial
Privacy & Data
Coverage Templates
Market Conduct
| State | Rate Filing Status | Non-Renewal Notice Compliance | Open Complaints | AML Flags |
|---|---|---|---|---|
| California | 1 Under Review | 100% | 3 | 0 |
| Florida | Current | 98% | 2 | 1 |
| Texas | 1 Draft | 100% | 1 | 0 |
| New York | Notice period gap | 91% | 2 | 2 |
| Nevada | Current | 100% | 1 | 0 |
| Arizona | 1 Under Review | 100% | 0 | 0 |
New York: 3 non-renewal notices sent below the required 45-day notice window — remediation ticket opened with Compliance.
Rate & Form Filings — Product Versions
Approved rates and policy forms tracked per state with filing version and effective date. Form filings are tracked alongside rate filings.
| State | Product / LOB | Filing Type | Version | SERFF # | Effective Date | Status |
|---|---|---|---|---|---|---|
| California | Personal Auto | Rate | v4.2 | CADI-2026-0417 | 2026-09-01 | Under Review |
| California | Personal Auto | Form | PA-CA-11 (v3) | CADI-2026-0418 | 2026-09-01 | Approved |
| Florida | Homeowners | Rate | v2.8 | FLOIR-2026-2231 | 2026-06-15 | Approved |
| Florida | Homeowners | Form | HO3-FL-07 (v5) | FLOIR-2026-2232 | 2026-06-15 | Approved |
| Texas | Commercial Auto | Rate | v1.5 | TDI-2026-0912 | — | Draft |
| New York | Personal Auto | Form | PA-NY-09 (v2) | NYDFS-2026-5501 | 2026-08-01 | Notice period gap |
Each approved version pins the rate tables and policy form language in force from its effective date; superseded versions remain retrievable for audit.
Statistical Reporting — Bureau Data Feeds
Statistical data submitted to rating bureaus: ISO, NCCI and state rating bureaus.
| Bureau / Feed | Line | Reporting Period | Records | Due | Status |
|---|---|---|---|---|---|
| ISO — Stat Plan | Personal Auto | 2026-Q2 | 148,220 | 2026-08-15 | Submitted |
| ISO — Stat Plan | Homeowners | 2026-Q2 | 92,410 | 2026-08-15 | In Progress |
| NCCI — Unit Stat Report | Workers' Comp | 2026-Q2 | 31,905 | 2026-08-31 | In Progress |
| CA — WCIRB | Workers' Comp | 2026-Q1 | 12,640 | 2026-05-31 | Accepted |
| TX — Rating Bureau | Commercial Auto | 2026-Q1 | 8,112 | 2026-05-31 | Rejected — 42 edits |
TX Rating Bureau feed rejected 42 records on edit-package validation — correction file queued for resubmission.
Statutory Financial Reporting — NAIC Statement Exhibits
Annual and quarterly statement data feeds filed with the NAIC and domiciliary regulator.
| Statement / Exhibit | Data Feed | Period | Amount | Due | Status |
|---|---|---|---|---|---|
| Annual Statement — Schedule P | Loss & LAE Reserves | FY2025 | $412.8M | 2026-03-01 | Filed |
| Annual Statement — Underwriting & Investment | Earned Premium | FY2025 | $1.24B | 2026-03-01 | Filed |
| Quarterly Statement — Q2 | Incurred Losses | 2026-Q2 | $318.2M | 2026-08-15 | In Preparation |
| Quarterly Statement — Q2 | Written Premium | 2026-Q2 | $642.5M | 2026-08-15 | In Preparation |
| RBC Report | Risk-Based Capital | FY2025 | 418% ACL | 2026-03-01 | Filed |
Reserves, premium and loss exhibits are auto-populated from the ledger and reserving engine, then reconciled before NAIC submission.
Active Consents
1.82M
Consents Withdrawn (MTD)
214
Erasure Requests Open
7
Avg. Fulfillment
9.4 days
Consent Tracking
Consent captured per purpose under CCPA/CPRA and equivalent state privacy laws.
| Consent Purpose | Legal Basis | Consented | Withdrawn | Status |
|---|---|---|---|---|
| Marketing communications | Opt-in | 1,204,880 | 180 | Current |
| Data sharing with partners | Opt-out (CPRA) | 1,610,220 | 28 | Current |
| Telematics / usage data | Explicit opt-in | 96,410 | 6 | Current |
Right-to-Erasure (Data Deletion) Requests
Deletion workflow honors statutory retention holds (open claims, litigation, financial records).
| Request # | Requester | State | Received | Statutory Deadline | Workflow Stage |
|---|---|---|---|---|---|
| DEL-2026-0188 | J. Cho | CA | 2026-07-18 | 2026-09-01 | Identity Verification |
| DEL-2026-0184 | R. Osei | CA | 2026-07-12 | 2026-08-26 | Retention Hold — open claim |
| DEL-2026-0179 | S. Kim | NV | 2026-07-05 | 2026-08-19 | Erased & Confirmed |
DEL-2026-0184 is on a retention hold — data cannot be erased while the subject has an open claim; requester notified with the legal basis and expected release date.
State-Mandated Coverage Templates
Regulatory templates encode each state's minimum coverage requirements, versioned by filing.
| State | Coverage Template | Statutory Minimum | Filing Version | Effective Date | Status |
|---|---|---|---|---|---|
| California | Auto Liability (BI/PD) | 15/30/5 | v6 | 2025-01-01 | Active |
| Florida | Auto — PIP / PDL | $10k PIP / $10k PDL | v4 | 2026-01-01 | Active |
| Nevada | Auto Liability (BI/PD) | 25/50/20 | v3 | 2025-07-01 | Active |
| Texas | Auto Liability (BI/PD) | 30/60/25 | v5 | 2025-01-01 | Active |
| Arizona | Auto Liability (BI/PD) | 25/50/15 | v2 (draft) | 2026-10-01 | Pending Filing |
Quote/bind rating validates every policy against the active template version for the risk state — e.g. "CA auto liability minimum 15/30/5" enforced from filing version v6.
| Complaint # | State | Category | Received | SLA Deadline | Status |
|---|---|---|---|---|---|
| CMP-2026-0412 | CA | Claim delay | 2026-07-14 | 2026-07-28 | Open |
| CMP-2026-0409 | NY | Non-renewal notice | 2026-07-11 | 2026-07-25 | At Risk |
| CMP-2026-0401 | FL | Premium dispute | 2026-07-02 | 2026-07-16 | Resolved |