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Terms of Service

By creating an account or using RateFileAI you agree to these terms. Read carefully — they define what you can expect from the service and what you agree not to do with it.

Effective: July 11, 2026 · Last updated: 2026-07-01

1. The service

RateFileAI is operated by RateFileAI, LLC, a Florida limited liability company ("RateFileAI", "we", "us", "the service"). The service is a research and intelligence platform that aggregates publicly available U.S. property & casualty insurance rate-filing records and produces searchable summaries, alerts, and analytics for licensed insurance professionals. We are an independent company; we are not affiliated with, endorsed by, or representing any state insurance department, the National Association of Insurance Commissioners (NAIC), or any insurance carrier.

2. Eligibility & account

You must be at least 18 years old and authorized to bind your business to a contract. You agree to provide accurate information at signup, to keep your credentials confidential, and to be responsible for activity under your account. We may suspend or terminate accounts that violate these terms or applicable law.

3. AI-generated content — accuracy disclaimer

Filing descriptions and structured analytics are not AI-generated. Only content explicitly labeled “AI-generated · not independently verified” contains model output. AI-generated content may contain errors, omissions, misclassifications, stale information, or hallucinations. The underlying records may also contain errors made by the original filer or regulator. Customer is solely responsible for verifying any output against the original public regulator record before relying on it for any business, regulatory, or pricing decision.

The service makes no guarantee that any specific filing has been indexed, that any specific extraction is correct, or that the platform is up to date relative to a regulator's records at any given moment. Coverage, freshness, and extraction confidence vary; see our methodology page for limits.

State regulatory filing reference identifiers. Certain features display a publicly assigned state regulatory filing reference identifier alongside a deterministic filing description and, where available, a separately labeled AI-generated summary. This identifier is sourced from publicly available state insurance department filing records and is provided solely as a research navigation aid — to help you independently locate and verify the original filing in the state regulator's public docket. The presence of a state filing reference identifier does not certify the accuracy of any accompanying description or summary, does not constitute an official reproduction of the filing, and does not impose a higher accuracy standard than the general disclaimer stated above. RateFileAI's AI-generated summaries are independent, not independently verified, and are not endorsed by any state insurance department. You must independently verify any description or summary against the original regulatory record before relying on it. RateFileAI is not affiliated with, sponsored by, or approved by the issuing state regulator or any filing system operated by or on behalf of a state insurance department.

4. Not insurance advice; not regulated content

RateFileAI is a research tool. It does not provide:

Insurance brokerage, agency, solicitation, or sales activity of any kind
Rate quotations, binding offers, underwriting decisions, or pricing recommendations
Actuarial opinions, certifications, or work product subject to actuarial standards of practice
Legal, tax, accounting, or regulatory compliance advice
Recommendations to buy, sell, place, replace, or renew any insurance product

Nothing on the platform is reviewed or approved by a licensed actuary, attorney, or insurance producer in any jurisdiction. You are responsible for your own licensed activities and for any advice you give.

RateFileAI is not an advisory organization, rate service organization, or statistical agent within the meaning of NAIC Model #1775/#1780 or any state rate-service-organization statute. The service does not develop, file, or distribute prospective loss costs, supplementary rate information, or supporting information on behalf of insurers.

5. Customer use restriction

Customer agrees not to use RateFileAI outputs as the sole basis for any actual rate filing, regulatory submission, or pricing decision. Outputs are intended for research, market awareness, and renewal-conversation preparation. Any binding business decision must be supported by independent verification against original public records and, where appropriate, licensed professional judgment.

6. Source data

RateFileAI aggregates rate filing information from publicly available state and NAIC regulatory filing repositories — primarily rate, rule, and form filings that insurance carriers are required by state law to submit to their state insurance departments, plus public NAIC financial filings, SEC EDGAR filings, federal agency data (BLS, FEMA, FRED), and similar public sources. RateFileAI does not warrant the completeness, timeliness, or accuracy of underlying source data. We do not represent that we have rights to any individual filing beyond fair-use research, summary, and citation rights inherent in public records. For certain features, publicly assigned filing reference identifiers sourced from state insurance departments' public filing systems are displayed within the platform as navigation aids to help subscribers locate and independently verify the original filing at the regulator's public source; these identifiers are public government record numbers and are used solely for this navigation purpose.

7. Acceptable use

You agree NOT to:

Scrape, mirror, or systematically download our content or APIs except via permitted features of your subscription tier
Resell, sublicense, or redistribute the service or its outputs to third parties without a written agreement
Use the service to construct a competing rate-filing intelligence product
Use outputs, AI-generated summaries, or exported data to train, fine-tune, or evaluate any machine learning or artificial intelligence model, whether for competitive or other purposes
Reverse engineer, decompile, or attempt to extract source code or proprietary algorithms
Use the service to violate any law, regulation, or third party's rights
Share your account credentials with anyone outside your subscribed seat count
Attempt to interfere with the service's operation, security, or other users' access

8. Subscriptions, billing, and refunds

Subscriptions are sold on a monthly recurring basis via Stripe. By starting a paid subscription you authorize Stripe to charge your payment method until you cancel. You can cancel at any time from your account page or by emailing us at info@ratefileai.com. Cancellation takes effect at the end of the current paid billing cycle; no pro-rated refunds for partial months. New trials, if offered, convert automatically to paid subscriptions at trial end unless cancelled.

We may change pricing with at least 30 days' notice to active subscribers. Price changes do not affect a current billing cycle in progress.

9. Intellectual property

The service, including its software, design, summaries we generate, analytics, and product organization, is owned by RateFileAI and protected by U.S. and international intellectual property laws. You receive a limited, non-exclusive, non-transferable license to use the service for your own legitimate business research while your subscription is active. Underlying public regulatory records remain in the public domain.

10. Data privacy

Our handling of account, billing, usage, and uploaded portfolio data is governed by our Privacy Policy, which is incorporated by reference. Most RateFileAI surfaces operate entirely on public regulatory data. Renewal Defender is the exception: the public demo parses your CSV in the browser and does not store client data, while signed-in uploads are stored server-side for your workspace until you delete the portfolio or account. Uploaded portfolio data is not sold, shared with other customers, or used to train AI models.

11. Referral program

When our referral program is active, an existing subscriber ("inviter") may share a personal referral link with a colleague ("invitee"). If the invitee starts a new paid subscription through that link, both parties may receive a reward as described below. The program is offered at our discretion and these additional terms apply to it:

Invitee reward. A first-time, newly subscribing invitee receives 50% off their first month, applied as a refund after their first payment clears. This discount does not stack with any other promotion, trial, or discount offer.
Inviter reward. The inviter receives one month of account credit per qualifying referred customer, applied to future RateFileAI invoices only. Only one reward is granted per referred customer, and an inviter may earn a lifetime maximum of one month's credit under the program.
Eligibility at payout. The inviter must be an active, paying subscriber at the time the invitee's first payment clears in order to receive a reward. Rewards are evaluated and granted only once that first payment has cleared.
No cash value. Rewards and credits have no cash value, are non-transferable, and cannot be redeemed for cash. Account credit applies only to future RateFileAI subscription invoices.
Fraud and abuse. We may withhold, reduce, or reverse any reward — and may suspend participation — for self-referral, fraudulent or abusive activity, payment reversal, or any attempt to circumvent these terms. We may modify, suspend, or end the referral program at any time, with or without notice.
Referral data. Referral activity such as link clicks, sign-ups, and resulting subscriptions is processed in accordance with our Privacy Policy.

12. Disclaimers

The service is provided "AS IS" and "AS AVAILABLE", without warranty of any kind, express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, accuracy, timeliness, completeness, or non-infringement. We do not warrant uninterrupted or error-free operation, and we disclaim any liability for decisions you make based on information shown on the platform.

13. Limitation of liability

To the maximum extent permitted by law, RateFileAI's aggregate liability arising out of or relating to the service is limited to the total subscription fees you paid us in the twelve (12) months preceding the event giving rise to the claim. We are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost data, lost business opportunities, or reputational harm, even if advised of the possibility.

14. Indemnification

You agree to indemnify and hold RateFileAI harmless from third-party claims arising out of: (a) your violation of these terms; (b) your misuse of the service or its outputs; (c) advice, recommendations, or representations you make to your own clients or prospects that purport to rely on the service.

15. Termination

You may stop using the service and cancel your subscription at any time. We may suspend or terminate access for material breach of these terms, for non-payment, for activities that pose security or legal risk to the service, or with reasonable notice for any other reason. On termination, your right to use the service ends; sections that by their nature should survive (intellectual property, disclaimers, liability limits, indemnification, dispute resolution) survive.

16. Changes to these terms

We may update these terms from time to time. Material changes will be communicated by email or by prominent notice in the product before the change takes effect. Continued use after a change indicates acceptance. If you don't accept a change, your remedy is to cancel and stop using the service.

17. Governing law & disputes

These terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Any dispute that can't be resolved informally will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in the State of Florida (or by remote/telephonic hearing at the arbitrator's discretion). You waive any right to participate in class or representative actions. Notwithstanding the foregoing, either party may seek injunctive relief in a state or federal court of competent jurisdiction in Florida for unauthorized use of intellectual property or breach of confidentiality.

18. Severability

If any provision of these terms is held invalid or unenforceable by a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

19. Contact

Questions about these terms: info@ratefileai.com.

20. Market Entry/Exit Prediction — product disclaimers

This section governs the Market Entry/Exit Prediction feature (“Exit Prediction”) available only when explicitly enabled for an eligible account or approved institutional licensee. Held workspace tiers are not available for self-serve launch. These terms supplement — and do not replace — the general terms in §§ 3–5 and § 13.

20.1 Product description and data-use basis

Exit Prediction derives a market entry/exit signal (ENTRY, EXIT, or ACTIVE) per carrier × state × line-of-business cell from our public regulatory filing corpus. Indicators are derived solely from publicly available data elements: (a) months since the carrier’s last rate filing in that state × line cell; (b) whether any filings are currently pending or have been effective in the preceding months; and (c) the carrier’s filing history derived from publicly filed rate submissions. No non-public financial data, private carrier communications, privileged regulatory correspondence, or insider market information is accessed, stored, or used.

20.2 Indicators are filing-behavior indicators — not predictions of carrier intent

EXIT, ENTRY, and ACTIVE indicators reflect observable regulatory filing-behavior patterns only. They do not constitute: (a) a prediction of future carrier behavior, intent, or plans; (b) a determination of carrier financial health, solvency, or underwriting capacity; (c) a statement about a carrier’s management, operations, or business strategy; or (d) a guarantee that any observable filing pattern will lead to a market exit or entry. Filing silence has many explanations unrelated to market withdrawal — a carrier may have a stable mature book requiring no rate-change filings, may be in an actuarial review cycle, or may have other regulatory explanations. Indicators do not distinguish among these scenarios. Past filing patterns are not a reliable predictor of future market behavior.

20.3 No carrier defamation; no placement or carrier recommendation

Exit Prediction indicators measure observable regulatory filing behavior only. Nothing in the Exit Prediction feature constitutes:

A statement that any carrier is financially distressed, insolvent, or in financial difficulty
A representation about any carrier’s competence, management quality, or intent to withdraw from any market
A carrier-placement recommendation of any kind (to avoid placing, not renew, non-renew, replace, or redirect coverage away from any carrier)
A recommendation to favor any alternative carrier
Advice to your accounts or prospects regarding which carrier to use or avoid

You are solely responsible for any carrier recommendation or placement decision you make or communicate to clients. All placement, underwriting, and carrier-relationship decisions must be based on your independent professional judgment and the full set of factors relevant to your client’s situation, not on any Exit Prediction signal alone.

20.4 Florida exclusion

Florida exit indicators are not available because Florida insurance rate filings are submitted through Florida’s state regulatory filing system, which is not incorporated into our filing corpus. For Florida carrier cells, the Exit Prediction feature displays “Data not available — Florida rate filings are not included in the filing corpus underlying this feature.” The absence of an exit signal for a Florida carrier is not a signal of any kind; it reflects only a data-source limitation.

20.5 No warranty for Exit Prediction indicators

In addition to the general warranty disclaimer in § 13, we make no warranty that: (a) exit indicators accurately reflect any carrier’s actual market intentions or plans; (b) any EXIT signal will correspond to an actual market withdrawal; (c) every market withdrawal will be preceded by a detectable EXIT signal; (d) signal coverage is complete across all carrier × state × line-of-business cells; or (e) indicators are current at any specific moment relative to the underlying regulatory filing records. Exit Prediction is a research and market-awareness tool and is not a substitute for independent verification of carrier appetite, financial condition, or plans.

20.6 Compliance note

The Exit Prediction feature is not a carrier financial strength rating, solvency opinion, or credit assessment within the meaning of any state insurance code, AM Best or equivalent rating agency standard, or reinsurance counterparty evaluation framework. RateFileAI is not an advisory organization, rating organization, or statistical agent. The exit indicators are proprietary analytical indicators derived from public filing records; they are not submitted to, certified by, or endorsed by any state insurance department, the NAIC, or any actuarial standard-setting body. Availability: The Exit Prediction feature is not available in the Basic tier. It is held from the self-serve launch while its workspace packaging is finalized and may be provided only to eligible accounts or approved institutional licensees when enabled.

21. Carrier Competitive Positioning — product-specific terms

This section governs the Carrier Competitive Positioning feature (“Competitive Positioning”), including the Filing Aggressiveness Percentile (FAP), Directional Momentum signal, and Peer Comparison Table. These terms supplement — and do not replace — the general terms in §§ 3–5 and § 13.

21.1 Product description and data-use basis

Competitive Positioning derives a Filing Aggressiveness Percentile (FAP) score (0–100) for each carrier × state × line-of-business cell, positioning that carrier’s observable filing behavior relative to all active peers in the same market cell over a trailing five-year window. The FAP and all associated outputs are computed solely from the following publicly available data elements: (a) the carrier’s average approved rate change percentile within the state × line-of-business peer set, derived from our P&C rate-filing corpus of publicly filed state regulatory rate submissions; (b) the carrier’s annualized filing frequency percentile within the peer set; and (c) months since the carrier’s most recent filing in that cell (recency, inverted). No non-public financial data, private carrier communications, privileged regulatory correspondence, insider market intelligence, or unpublished actuarial data is accessed, stored, or used.

21.2 FAP is a rank-order indicator — not a probability, not a prediction

The FAP is a composite rank-order comparative indicator, not a calibrated probability. A score of 75 does not mean a 75% probability of any outcome. The FAP reflects observable filing-behavior patterns in a historical regulatory corpus. It does not constitute: (a) a prediction of any carrier’s future filing behavior, rate changes, or business strategy; (b) a determination of any carrier’s financial health, solvency, underwriting capacity, or management quality; (c) a statement about any carrier’s intent, plans, or future competitive conduct; or (d) a guarantee that any observed filing pattern will continue or that any Directional Momentum signal will prove accurate. A carrier designated “Conservative / retreating” may have stable market intentions fully consistent with lower filing frequency; a carrier designated “Aggressive” may subsequently reduce activity. The FAP does not distinguish among the many valid explanations for observed filing behavior. Past filing patterns are not a reliable predictor of future market behavior.

The Directional Momentum signal (Accelerating / Stable / Decelerating) describes the trend of a carrier’s FAP across three historical periods. It is retrospective and descriptive only. It does not constitute a forecast of any carrier’s future filing frequency, rate levels, or market presence.

21.3 No placement or carrier recommendation; no carrier defamation

The Competitive Positioning feature surfaces observational, filing-derived market intelligence only. Nothing in this feature constitutes:

A recommendation to place, renew, non-renew, avoid, or replace business with any carrier
A recommendation to favor any specific carrier over any other for any account or client
Advice to your accounts or prospects about which carrier to use, avoid, or prefer
A statement that any carrier is financially distressed, insolvent, or likely to exit any market
A representation about any carrier’s management competence, underwriting quality, or business intent
An evaluation or endorsement of any carrier’s strategy, practices, or competitive positioning

FAP category labels (“Aggressive,” “Market-Aligned,” “Conservative”) describe observable filing frequency and rate-magnitude behavior relative to the peer set in a specific state × line-of-business cell. They are statistical descriptions of observable regulatory record patterns, not evaluative judgments about any carrier’s competence, intent, financial strength, or suitability as a business partner. You are solely responsible for any carrier recommendation or placement decision you make or communicate to clients. All placement, underwriting, and carrier-relationship decisions must be based on your independent professional judgment and the full set of relevant factors, not on any FAP score alone.

21.4 Florida exclusion

Florida carrier FAP scores are not available because Florida insurance rate filings are submitted through Florida’s state regulatory filing system, which is not incorporated into our rate-filing corpus. For Florida carrier cells, the Competitive Positioning feature will display “Data not available — Florida rate filings are not included in the filing corpus underlying this feature.” The absence of a FAP score for a Florida carrier is not a signal about that carrier’s market activity; it reflects only a data-source limitation.

21.5 Known data limitations

Peer-group validity: FAP scores require at least five active carriers in a state × line-of-business peer group. Cells with fewer than five peers display a “limited peer group” disclosure rather than a FAP badge; scores in these cells should be treated as provisional. Rate Bureau states (including North Carolina and South Carolina) use a different methodology for rate determination and the FAP in those states requires separate interpretation; see our methodology page. Coverage, depth, and data vintage vary by state, line of business, and carrier. Filing data may lag regulatory source records by up to 24 hours or longer depending on state publication schedules.

21.6 No warranty for Competitive Positioning outputs

In addition to the general warranty disclaimer in § 13, we make no warranty that: (a) FAP scores accurately reflect any carrier’s actual competitive strategy or market intentions; (b) any “Aggressive” or “Conservative” classification will correspond to any specific future carrier action; (c) Directional Momentum indicators will prove accurate over any future period; (d) FAP coverage is complete across all carrier × state × line-of-business cells; or (e) scores are current at any specific moment relative to underlying regulatory filing records. Competitive Positioning is a market-awareness and research tool and is not a substitute for independent carrier due diligence, financial analysis, or licensed professional judgment.

21.7 Compliance note

RateFileAI is not a statistical agent, advisory organization, rate service organization, or statistical reporting entity within the meaning of any state insurance code or NAIC model law. We do not develop prospective loss costs, file or certify rate indications on behalf of any insurer, or distribute carrier performance rankings under any rating-agency or ISO license. The FAP and all Competitive Positioning outputs are proprietary analytical indicators derived entirely from publicly available state insurance department rate-filing records. The FAP computation does not use NAIC statutory financial bulk data; it is derived solely from our rate-filing corpus. Accordingly, the NAIC redistribution-license review applicable to loss-ratio benchmarking features does not apply to the FAP itself. If institutional-tier peer comparison tables surface carrier written-premium data derived from NAIC financial filings, those rows are subject to the same NAIC licensing constraints that apply to loss-ratio benchmarking under § 24. No carrier’s non-public, proprietary, or restricted-distribution data is accessed, stored, or displayed through this feature. Tier access: the full Competitive Positioning peer comparison table and bulk export are available only to institutional licensees. The carrier-level Market Filing Position summary (FAP badge and momentum signal for a single selected carrier in a selected state × LOB) is held from the self-serve launch; approved institutional access may be provisioned when enabled.

22. Filing → Loss-Ratio Rate Adequacy — product-specific terms

This section governs the Filing → Loss-Ratio Rate Adequacy (“Rate Adequacy Intelligence”) feature, including any written analysis, interactive analytics, and AI-generated narratives that surface correlations between P&C carrier rate-filing patterns and subsequent loss-ratio outcomes. These terms supplement — and do not replace — the general terms in §§ 3–5 and § 13.

22.1 Product description and data sources

Rate Adequacy Intelligence is an empirical research product that tests whether the magnitude and consistency of P&C carrier rate filings correlates with subsequent improvement in carrier loss ratios over a 1–3 year horizon. It is an ex-post (backward-looking) research tool, not a prospective actuarial analysis or advisory service. Data inputs include: RateFileAI’s P&C rate-filing corpus (publicly available state regulatory filing records); per-carrier direct loss-ratio data published by the California Department of Insurance; carrier financial time-series derived from SEC EDGAR XBRL filings (publicly traded carriers only); and NAIC industry-aggregate profitability figures from the NAIC Profitability by Line and State annual report, cited with NAIC attribution. Per-carrier NAIC bulk data is not served through this feature.

22.2 Ex-post research character — not prospective, not predictive

Rate Adequacy Intelligence presents statistical correlations derived from historical public records. These correlations are descriptive and retrospective. They do not constitute a prediction of any carrier’s future loss ratio, filing behavior, financial condition, or rate adequacy position. The product does not project approval probability or regulatory outcomes for any specific filing.

GAAP vs. statutory data basis. Carrier loss-ratio figures sourced from SEC EDGAR are GAAP-basis consolidated net loss ratios (after reinsurance). They are not NAIC statutory direct loss ratios and are not directly comparable to state × line-of-business figures from state insurance department publications or NAIC state-aggregate statistics. Loss ratios for carriers with significant catastrophe-reinsurance cessions may appear materially higher or lower than their statutory direct experience for the same period. Direct comparison between GAAP-basis and statutory figures is not appropriate without independent professional adjustment.

22.3 No warranty for rate adequacy outputs

Rate Adequacy Intelligence outputs are derived from public regulatory filings, state agency publications, SEC EDGAR filings, and NAIC aggregate reports. Underlying records may contain errors, omissions, or misclassifications made by the original filer, the regulator, the issuing agency, or the carrier. RateFileAI’s extraction, normalization, and correlation analysis may introduce additional errors. RateFileAI makes no warranty — express or implied — as to the completeness, timeliness, accuracy, or fitness for any purpose of any rate adequacy analysis, correlation statistic, loss-ratio figure, or filing-trend output. These outputs must not be treated as certified actuarial data, audited financial information, or official regulatory statistics. Known limitations include: EDGAR figures cover publicly traded carriers only; California CDI figures cover California-direct business only; NAIC aggregate figures are industry-wide and not per-carrier; systemic exogenous loss drivers (catastrophe events, litigation environments, fraud epidemics) can sever the historical filing-to-loss-ratio correlation and must be interpreted in jurisdictional context; data vintage varies by source and may lag current conditions by 12–24 months or more.

22.4 Not an actuarial opinion; not a placement or carrier recommendation

Rate Adequacy Intelligence outputs are research tools for market awareness and renewal-intelligence purposes only. They do not constitute, and you must not represent them to any client, counterparty, or regulator as:

An actuarial opinion, rate adequacy certification, or work product subject to actuarial standards of practice
A recommendation to place, renew, non-renew, avoid, or replace business with any carrier based on that carrier’s loss-ratio or filing history
A conclusion about any carrier’s current financial strength, solvency, or underwriting quality
Advice to rate, price, or underwrite any insurance risk at any premium level
A prediction of any carrier’s future loss-ratio performance, rate filings, or financial condition
A filing strategy recommendation or regulatory guidance for any carrier or insurer

A carrier’s historical filing pattern and loss-ratio trajectory reflects past public records only. It does not reflect non-public underwriting actions, reserve adequacy, reinsurance structure, pending rate filings, or management strategy. Past filing-to-loss-ratio correlations are not reliable predictors of future performance. You are solely responsible for any advice you give, any carrier recommendation you make, and any placement or pricing decision you take based on information from this platform.

22.5 Compliance note

23. Regulatory Cycle & Political Factors — product disclaimers

The Regulatory Cycle & Political Factors feature (“Regulatory Cycle”) provides statistical analysis derived from publicly available rate-filing disposition records overlaid with publicly available information about state insurance commissioner tenure and gubernatorial administration. The following disclaimers apply specifically to this feature in addition to the general disclaimers in §§ 3–5 and § 13.

Data-use basis. Regulatory Cycle analytics are derived from our filing corpus (publicly available state rate-filing records) and publicly available information about state insurance commissioners and governors (names, tenures, appointing-party affiliation, dates of service). We aggregate and analyze public records only. We do not collect, create, or rely on non-public political intelligence, lobbying records, or insider government communications.

Correlational — not causal, not predictive. Regulatory Cycle data presents statistical correlations between observable political transitions and historical rate-filing approval outcomes. These correlations are descriptive and retrospective. They do not constitute a prediction of future regulatory outcomes, a projection of approval probability, or a recommendation about when to file or in which state to file. Filing decisions involve complex legal, actuarial, and regulatory factors that this feature cannot replace.

No placement recommendations. Nothing in the Regulatory Cycle feature constitutes a placement recommendation or a recommendation to file, not file, accelerate, or defer a rate application in any jurisdiction. The product surfaces historical data to inform strategy; all regulatory, actuarial, and legal decisions remain with the carrier, MGA, or licensed professional.

Public official information. Information about insurance commissioners and governors appearing in Regulatory Cycle is derived from publicly available official records (NAIC commissioner directories, state DOI websites, public news records). All analyses of individual officials present observable, factual correlations (“Commissioner X’s tenure coincided with a Y% shift in denial rates”) rather than evaluative judgments about competence or intent. We do not imply misconduct, bias, or improper motive on the part of any public official.

Known data limitations. Statistical power for states with fewer than two complete commissioner transitions in our data window is limited; affected states are flagged as preliminary. Florida regulatory cycle data is absent due to source limitations (Florida uses its own state regulatory filing system). Rate Bureau states (NC, SC) use a different methodology for denial-rate calculation and require separate interpretation; see our methodology page. For commissioners whose tenure began in 2024 or later, our data window is less than 24 months and friction profiles should be treated as provisional.

No warranty for Regulatory Cycle data. In addition to the general warranty disclaimer in § 13, we make no warranty that the Regulatory Cycle feature accurately captures every commissioner transition, that political-party attributions are correct in all cases, or that historical correlations will be predictive of future regulatory behavior. Outputs should be independently verified before being used in any business, regulatory, or pricing decision. Tier access: the Regulatory Cycle feature is held from the self-serve launch while its workspace packaging is finalized.

24. Loss-Ratio Benchmarking — product-specific terms

This section governs the Countrywide Loss-Ratio Benchmarking feature, which is held from the self-serve launch while workspace packaging is finalized. Approved institutional access may be provisioned when enabled. These terms supplement — and do not replace — the general terms in sections 3–6 above.

24.1 Data sources and coverage

Loss-ratio benchmark data is derived from publicly available state insurance department publications — official government records published under statutory filing mandates by state insurance regulators (Iowa, New York, Texas, California, Ohio, Washington, and other states that publish public statistical compilations). These records are public domain. NAIC aggregate summary figures, where referenced in analytical narrative, are attributed to NAIC. Per-carrier NAIC-licensed bulk data is not served to subscribers. Coverage, depth, and data vintage vary by state, line of business, and carrier. Not all state × line-of-business combinations contain sufficient data for a benchmark display; cells with fewer than three independent data points are labeled with a coverage indicator. Data may lag source publication schedules by 12–24 months or more depending on the issuing state agency.

24.2 No warranty for benchmark figures

Loss-ratio benchmark figures are derived from statutory filings submitted by insurance carriers to their state regulators. Those filings may contain errors, omissions, or misclassifications made by the original filer. RateFileAI’s extraction and normalization process may introduce additional errors. RateFileAI makes no warranty — express or implied — as to the completeness, timeliness, accuracy, or fitness for any particular purpose of any loss-ratio benchmark figure. Benchmark outputs must not be treated as audited financial data, certified actuarial work product, or official regulatory statistics.

24.3 Not an actuarial opinion; not a placement or carrier recommendation

Loss-ratio benchmark outputs are analytical research tools intended for market awareness and renewal-intelligence purposes only. They do not constitute, and you must not represent them to any client, counterparty, or regulator as:

An actuarial opinion, actuarial certification, or work product subject to actuarial standards of practice
A recommendation to place, renew, non-renew, avoid, or replace business with any carrier
A conclusion about any carrier’s current financial strength, solvency, or underwriting practices
Advice to rate, price, or underwrite any insurance risk at any premium level
A prediction of any carrier’s future loss performance, rate filings, or financial condition

A carrier’s historical state × line loss ratio reflects past statutory filings. It does not reflect current underwriting practices, pending or approved rate changes, reserve development, or any non-public information about that carrier. Past loss-ratio performance is not a reliable predictor of future performance. You are solely responsible for any advice you give, any carrier recommendation you make, and any placement decision you take based on information from this platform.

24.4 Compliance note

RateFileAI is not a statistical agent, advisory organization, rate service organization, or statistical reporting entity within the meaning of any state insurance code or NAIC model law. We do not file, certify, endorse, or distribute prospective loss costs, supplementary rate information, or actuarial supporting information on behalf of any insurer with any regulatory body. All loss-ratio data displayed is derived from public records lawfully obtained from state regulatory agencies and public government publications. No carrier’s non-public, proprietary, or restricted-distribution financial data is accessed, stored, or displayed through this platform without applicable license clearance. Availability: Loss-Ratio Benchmarking is held from the self-serve launch while workspace packaging is finalized. Approved institutional access may be provisioned when enabled; it is not available at the Basic or Renewal Defender tiers.

24.5 Institutional data license — additional terms

Subscribers with an institutional data license (enabling bulk query or export access) agree that: (a) exported data is licensed for internal business use only and may not be resold, sublicensed, or redistributed to third parties without a separate written agreement; (b) any published work product derived from exported data must include the attribution “Source data: RateFileAI (ratefileai.com), derived from state insurance department public records”; (c) the institutional licensee is responsible for determining whether any further regulatory restrictions apply to their specific use of the data in their jurisdiction.

25. Agent Renewal-Defense Intelligence — product-specific terms

This section governs the Agent Renewal-Defense Intelligence product (“Renewal Defender”), including the Book of Business scoring engine, Renewal Risk Scores, Defensibility Scores, AI-generated Renewal Talking Points, the Defense Dossier, and the At-Risk Summary (“Renewal Defense Features”). These terms supplement — and do not replace — the general terms in §§ 3–5 and § 13.

25.1 Product description and data-use basis

Renewal Defender enables insurance professionals to upload their portfolio (policyholder and policy data provided by the user) and receive analytics derived from publicly available carrier rate filings. The Renewal Risk Score and Defensibility Score are composite indicators computed from: (a) the carrier’s approved or filed rate changes in the relevant state and line of business, derived from our P&C rate-filing corpus of publicly available state regulatory submissions; (b) rate-change magnitude, frequency, and recency indicators from that corpus; and (c) policy attributes supplied by the user in their uploaded portfolio (premium, effective date, line of business). AI Renewal Talking Points and Defense Dossier content are generated by a large language model (“LLM”) constrained to the carrier’s own publicly filed rate rationale text and verified public data elements. No non-public carrier data, privileged regulatory correspondence, insider market intelligence, or unpublished actuarial information is accessed, stored, or used.

Agent-uploaded book data. Data you upload (your portfolio of business CSV) is processed solely to generate your renewal analytics. It is not shared with other subscribers, used to train models, sold, or redistributed. You represent that you have the legal right to submit this data for processing. Our handling of uploaded data is governed by our Privacy Policy.

25.2 Renewal Risk Score and Defensibility Score are research indicators — not predictions, not advice

Renewal Risk Scores and Defensibility Scores are composite rank-order research indicators, not calibrated probabilities or predictions. A score does not represent a probability that any policy will be non-renewed, repriced at a specific amount, or lost. These scores reflect observable patterns in publicly available carrier rate filings relative to the policy attributes you supply. They do not constitute: (a) a prediction of what any specific policyholder will be quoted at renewal; (b) a determination of any carrier’s intent, financial condition, or underwriting posture with respect to any specific account; (c) a guarantee that a high-risk score will correspond to an adverse renewal outcome or that a low-risk score will correspond to a favorable one; or (d) actuarial work product of any kind. Past carrier rate-filing patterns are not a reliable predictor of future renewal outcomes for any individual policy.

25.3 AI Renewal Talking Points and Defense Dossier — agent review required; not client advice

AI Renewal Talking Points and Defense Dossier content are generated by an LLM constrained to the carrier’s own publicly filed rate rationale text and verified public data elements. Every Talking Points result is flagged “Agent review required” and must be reviewed and approved by the licensed agent before any use in a client interaction. This output is a draft research tool for the agent’s own use and preparation — it is not copy for direct client delivery without independent review and professional judgment. AI-generated content may contain errors, hallucinations, omissions, or mischaracterizations even when constrained to public filing data. The agent is solely responsible for the accuracy, appropriateness, and professional adequacy of any communication made to a client, including any communication that draws on or is informed by Renewal Talking Points or a Defense Dossier.

Nothing in AI Renewal Talking Points or a Defense Dossier constitutes: (a) insurance, legal, tax, or financial advice; (b) a carrier-placement recommendation to the policyholder (to stay with, replace, or redirect coverage away from any carrier); (c) an actuarial analysis of rate adequacy or expected future premium; or (d) a representation that any specific renewal premium will equal, approximate, or be explained by any publicly filed rate change.

25.4 No placement or carrier recommendation; no carrier defamation

The Renewal Defense Features surface publicly available filing data to support agent preparation only. Nothing in these features constitutes:

A recommendation to place, renew, non-renew, replace, or move any account to or from any carrier
A recommendation to favor any specific carrier over another for any account or client
Advice to any policyholder about which carrier to use, stay with, or avoid
A statement that any carrier is financially distressed, insolvent, or likely to exit any market
A representation about any carrier’s management, underwriting quality, claims practices, or competitive intent

Carriers are identified in Renewal Defense outputs solely as publicly-filed parties to rate submissions in the relevant state and line of business. Naming a carrier is a statement of public regulatory record. It is not an endorsement, a criticism, or a signal about that carrier’s suitability for any account. You are solely responsible for any carrier recommendation or placement decision you communicate to clients. All placement and carrier-relationship decisions must be based on your independent professional judgment and the full set of factors relevant to each client’s situation.

25.5 Agent professional responsibility

The licensed agent who uses Renewal Defense outputs in a client interaction retains full and independent professional responsibility for every conversation, recommendation, and decision. RateFileAI does not exercise discretion over, and is not responsible for, how any Renewal Defense output is used in any client interaction. Nothing in the Renewal Defense Features creates an advisory relationship between RateFileAI and any policyholder or prospective insured. Use of these features does not reduce, delegate, or transfer any of the agent’s licensed professional duties under applicable state insurance laws.

25.6 Known data limitations

Renewal Risk Scores and Defensibility Scores depend on rate-filing coverage in our corpus. Coverage and freshness vary by state, line of business, and carrier; not every carrier or line of business in every state has sufficient recent filing data to produce a reliable score. Scores for carrier × state × line-of-business cells with limited filing history are labeled with a coverage indicator and should be treated as provisional. Florida carrier data is unavailable because Florida insurance rate filings are submitted through Florida’s state regulatory filing system, which is not incorporated into our rate-filing corpus; this is a data-source limitation and not a signal about any Florida carrier. Filing data may lag regulatory source records depending on state publication schedules. The agent-uploaded book is processed as supplied; the accuracy of any score depends in part on the accuracy of the data the agent provides.

25.7 No warranty for Renewal Defense outputs

In addition to the general warranty disclaimer in § 13, we make no warranty that: (a) Renewal Risk Scores or Defensibility Scores accurately predict any renewal outcome for any specific policy; (b) AI Renewal Talking Points or Defense Dossier content are free from errors, hallucinations, or omissions; (c) any high-risk score will correspond to an adverse renewal event; (d) score or content coverage is complete across all carriers, states, or lines of business in the agent’s uploaded book; or (e) scores or content are current at any specific moment relative to underlying regulatory filing records. Renewal Defense Features are research and preparation tools and are not a substitute for independent verification of carrier appetite, renewal terms, or licensed professional judgment applied to each account.

25.8 Compliance note

RateFileAI is not an insurance producer, broker, or agent in any jurisdiction. The Renewal Defense Features do not constitute the solicitation, negotiation, or sale of insurance in any jurisdiction. RateFileAI is not a statistical agent, advisory organization, rate service organization, or statistical reporting entity within the meaning of any state insurance code or NAIC model law. All Renewal Defense analytics are derived from publicly available state insurance department rate-filing records. AI Renewal Talking Points are grounded in the carrier’s own publicly filed rate rationale text and are flagged for agent review before any client use — they are not independently submitted to, certified by, or endorsed by any state insurance department, the NAIC, or any actuarial standard-setting body. No carrier’s non-public, proprietary, or restricted-distribution data is accessed, stored, or displayed through these features. Availability: The Renewal Defense Features are available only when explicitly enabled for an eligible Renewal Defender account or approved institutional licensee. Held workspace tiers are not available for self-serve launch, and these features are not available in the Basic tier.

26. Regulatory Friction Index — product-specific terms

This section governs the Regulatory Friction Index feature (“RFI”), including per-state and per-line-of-business friction scores (0–100), median disposition time, denial and withdrawal rate metrics, friction tier labels (Low / Moderate / High / Very High), trend data, and any written analysis or AI-generated narratives that surface these metrics. These terms supplement — and do not replace — the general terms in §§ 3–5 and § 13.

26.1 Product description and data-use basis

The Regulatory Friction Index derives a composite friction score (0–100) and supporting component metrics for each U.S. state × line-of-business cell from our P&C rate-filing corpus. The friction score and all associated outputs are computed solely from the following publicly available data elements: (a) rate-filing disposition outcomes (approved, denied, withdrawn) derived from our corpus of publicly filed state insurance department rate submissions; (b) median time from submission to final disposition for each state × line-of-business cell; (c) denial rate (filings formally rejected as a percentage of all dispositioned filings); and (d) withdrawal rate (filings withdrawn by the filer before final disposition, as a percentage of all filings — treated as a proxy for carrier self-censorship under regulatory pressure). No non-public financial data, private carrier communications, privileged regulatory correspondence, insider market intelligence, or unpublished actuarial data is accessed, stored, or used. The combined friction metric (denial rate + withdrawal rate) is the primary displayed indicator. Median disposition time is presented as a context metric alongside the combined friction metric.

26.2 Friction score is a rank-order indicator — not a prediction, not a filing recommendation

The Regulatory Friction Index score is a composite rank-order historical indicator, not a calibrated probability. A score of 75 does not mean a 75% probability of denial, rejection, or any specific regulatory outcome. The score reflects observable disposition patterns derived from historical public regulatory records. It does not constitute: (a) a prediction of how any specific filing by any specific carrier will be treated by any state regulator; (b) a recommendation to file, not file, accelerate, defer, or withdraw any rate application in any jurisdiction; (c) a determination of any regulator’s likely response to any specific carrier or filing; or (d) a guarantee that any historical friction level will persist or change in any future period. Regulatory environments evolve; changes in administration, statutory regime, or state-specific policy can alter friction conditions materially. Past filing-disposition patterns are not a reliable predictor of future regulatory outcomes for any specific filing.

26.3 No filing strategy recommendations; no placement or carrier recommendations

The Regulatory Friction Index is a market-intelligence and research tool. Nothing in this feature constitutes:

A recommendation to enter, exit, accelerate filings into, or avoid any state or line of business
Regulatory or legal advice about whether or how to file a rate application in any jurisdiction
A recommendation to place, renew, non-renew, avoid, or replace business with any carrier based on that carrier’s state-level denial or friction history
A recommendation to favor or disfavor any state, carrier, or market based on friction scores
Advice to your accounts or prospects about which carrier to use, avoid, or prefer in any state

All filing, expansion, and carrier-relationship decisions must be based on your independent professional judgment, licensed actuarial analysis, and legal advice as appropriate, not on any friction score alone. The Regulatory Friction Index provides statistical context about the historical operating environment; it does not substitute for regulatory counsel or actuarial work product.

26.4 No regulator or carrier defamation

Friction scores, denial rates, median disposition times, and withdrawal rates are statistical summaries of observable public regulatory record outcomes. They are presented as factual market-environment data, not as evaluative judgments about regulators, state insurance departments, insurance commissioners, or carriers. A friction tier of “Very High” for a state means that, historically, filings in that state and line have experienced above-average combined denial and withdrawal rates and longer disposition times relative to the national distribution — it is a statistical description, not a characterization of regulator intent, competence, or policy. Carrier-level denial and withdrawal rates, where displayed, reflect publicly filed regulatory records for that carrier in that state and line of business. They are filing-data statistics, not evaluations of carrier quality, management, or intent. Nothing in the Regulatory Friction Index implies that any regulator, state insurance department, or carrier has acted improperly, unlawfully, or unreasonably.

26.5 Florida exclusion

Florida friction scores are not available because Florida insurance rate filings are submitted through Florida’s state regulatory filing system, which is not incorporated into our rate-filing corpus. For Florida, the Regulatory Friction Index will display a qualitative note confirming the data-source limitation. The absence of a quantitative friction score for Florida is not a signal of any kind about Florida’s regulatory environment — it reflects only a data-source limitation.

26.6 Rate Bureau states

North Carolina and South Carolina use an industry Rate Bureau system in which carriers primarily file bureau-rate deviations rather than independent rate filings. Friction scores for these states reflect deviation-filing denial and withdrawal rates, which measure a different aspect of the regulatory environment than direct-filed rate changes in non-bureau states. Rate Bureau state friction scores are labeled accordingly on all display surfaces and require separate interpretation. Direct comparison of Rate Bureau state friction scores to non-Rate Bureau state scores without accounting for this methodological distinction is not appropriate.

26.7 Known data limitations

In addition to the general limitations in §§ 3 and 7: (a) corpus window — friction scores are derived from a five-year filing corpus; states that changed regulatory regime or administration outside this window require external context to interpret trends correctly; the trend chart labels its start date; (b) pending-filing lag — filings still in pending status are excluded from disposition-based metrics; in high-friction states with long queues, a material portion of recent filings may still be pending, which can cause current friction metrics to understate the operating environment; affected states are flagged where the pending-to-total ratio exceeds 15%; (c) LOB coverage variation — friction scores are strongest for personal auto and homeowners; commercial lines coverage varies by state and some cells may have insufficient data for a reliable score; cells with fewer than 25 dispositioned filings in the five-year window do not display a friction score and instead show a coverage indicator; (d) self-censorship understatement — carriers under high regulatory scrutiny may file for less than their actuarially indicated rate need to avoid denial; the withdrawal rate captures pre-formal-denial abandonment but cannot capture pre-filing self-censorship that never reaches a submission; friction may therefore be understated in states with the highest regulatory pressure; (e) Washington DC — DC data is not present in our corpus; no friction score is available for DC.

26.8 No warranty for Regulatory Friction Index outputs

In addition to the general warranty disclaimer in § 13, we make no warranty that: (a) friction scores accurately reflect any state’s current or future regulatory environment; (b) any “Very High” friction designation will correspond to denial or adverse disposition of any specific filing; (c) any “Low” friction designation will correspond to fast approval of any specific filing; (d) friction score coverage is complete across all state × line-of-business cells; (e) scores are current at any specific moment relative to the underlying regulatory filing records; or (f) any historical friction trend will continue or reverse in any future period. Regulatory Friction Index outputs are research and market-awareness tools and are not a substitute for actuarial analysis, legal counsel, or independent regulatory diligence.

26.9 Compliance note

RateFileAI is not a statistical agent, advisory organization, rate service organization, statistical reporting entity, or regulatory consultant within the meaning of any state insurance code or NAIC model law. We do not provide regulatory strategy advice, file rate applications on behalf of any insurer, advise on regulatory compliance in any jurisdiction, or act as a licensed representative before any state insurance department. The Regulatory Friction Index is a proprietary analytical indicator derived entirely from publicly available state insurance department filing disposition records. It is not submitted to, certified by, endorsed by, or affiliated with any state insurance department, the NAIC, or any actuarial standard-setting body. All friction metrics are derived from public records lawfully obtained from state regulatory agencies. No state insurance department’s non-public, proprietary, or restricted-distribution data is accessed, stored, or displayed through this feature. Availability: The per-state friction score context may be available in Renewal Defender when enabled for an eligible account. The full Regulatory Friction Index research tool (cross-state comparison, LOB breakdown, trend data, friction trend alerts), the Regulatory Friction API, and the bulk historical panel are held from the self-serve launch while workspace packaging is finalized; approved institutional access may be provisioned when enabled.

27. Real-Time Carrier Filing Intelligence — product-specific terms

This section governs the Real-Time Carrier Filing Intelligence product (“Filing Intelligence”), including the carrier rate-filing feed, rate-change indicators, rate-likelihood indicators, market cycle phase data, per-state dynamics scorecards, and any AI-generated narratives, alerts, or intelligence summaries derived from the filing corpus. These terms supplement — and do not replace — the general terms in §§ 3–5 and § 13.

27.1 Product description and data-use basis

Filing Intelligence surfaces publicly available carrier rate filings, their dispositions, and derived analytics to help licensed insurance professionals monitor the P&C rate-filing environment. The filing feed and all associated indicators are computed solely from the following publicly available data elements: (a) rate filings and their dispositions (approved, denied, withdrawn, pending) submitted by insurance carriers to state insurance departments, derived from our P&C rate-filing corpus of publicly available state regulatory submissions; (b) rate-change magnitude, direction, and effective-date data extracted from those public filings; (c) filing frequency, recency, and historical cadence patterns derived from the same corpus; and (d) market-cycle phase indicators derived from multi-quarter aggregations of the corpus. Rate-likelihood indicators additionally incorporate public NAIC financial filings and state insurance department market-share publications where available. No non-public financial data, private carrier communications, privileged regulatory correspondence, insider market intelligence, or unpublished actuarial data is accessed, stored, or used. All data elements are lawfully obtained from public state regulatory repositories and public government publications.

27.Data unavailable intelligence indicators are research indicators — not predictions, not advice

All Filing Intelligence indicators — including rate-likelihood scores, market-cycle phase labels, filing frequency indicators, and derived analytics — are research indicators based on observable historical patterns in public regulatory records. They are not calibrated probabilities, actuarial projections, or predictions of future carrier behavior. A rate-likelihood score does not represent a probability that any carrier will file for a rate change of any specific magnitude, on any specific timeline, or in any specific jurisdiction. Market-cycle phase labels are retrospective descriptions of historical filing patterns; they do not forecast future market conditions. These indicators do not constitute: (a) a prediction of future carrier rate-filing behavior, business strategy, or financial condition; (b) a forward-looking actuarial analysis of rate adequacy or loss-ratio trends; (c) a determination of any carrier’s current underwriting posture, appetite, or plans; (d) a guarantee that any observed filing pattern will continue in any future period; or (e) a statement that any carrier has indicated, announced, or confirmed any rate action. Past filing-behavior patterns are not a reliable predictor of any specific carrier’s future actions.

27.3 No placement or carrier recommendations; no advisory service

Filing Intelligence is a market-awareness and research tool. Nothing in this product constitutes:

A recommendation to place, renew, non-renew, replace, or move any account to or from any carrier
A recommendation to favor any specific carrier, state, or line of business over any other
Advice to any policyholder, client, or prospect about which carrier to use, stay with, or avoid
Insurance brokerage, solicitation, or sales activity of any kind in any jurisdiction
Regulatory, legal, actuarial, tax, or financial advice of any kind
A filing strategy recommendation or guidance about when or how to file a rate application in any jurisdiction
A statement that any carrier is financially distressed, insolvent, or likely to exit any market
A representation about any carrier’s financial strength, management competence, or business intent

You are solely responsible for any carrier recommendation, placement decision, or advice you communicate to clients. All placement, pricing, and carrier-relationship decisions must be based on your independent professional judgment and the full set of factors relevant to each client’s situation, not on any Filing Intelligence signal alone.

27.4 AI-generated content — agent review required

AI-generated filing summaries, rate-change narratives, alert explanations, and market intelligence text are produced by a large language model constrained to the carrier’s own publicly filed rate rationale text and verified public data elements. All AI-generated content is flagged “Agent review required” and must be reviewed and verified by the licensed professional before any use in a client interaction or business decision. AI-generated content may contain errors, hallucinations, omissions, or mischaracterizations even when constrained to public filing data. The professional user is solely responsible for the accuracy, appropriateness, and professional adequacy of any communication or decision that draws on AI-generated Filing Intelligence content. The general AI-generated content accuracy disclaimer in § 3 applies to all Filing Intelligence outputs.

27.5 Florida exclusion

Florida carrier filing data is not available in Filing Intelligence because Florida insurance rate filings are submitted through Florida’s state regulatory filing system, which is not incorporated into the state regulatory filing corpus underlying this product. For Florida carrier cells, Filing Intelligence will display “Data not available — Florida rate filings are not included in the filing corpus underlying this feature.” The absence of filing data for a Florida carrier is not a signal of any kind about that carrier’s filing activity, market plans, or financial condition; it reflects only a data-source limitation.

27.6 Known data limitations

In addition to the general limitations in §§ 3 and 7: (a) corpus coverage — not every carrier, state, or line of business is represented with equal depth; coverage varies by state and line of business and is described at our methodology page; cells with limited filing history display a coverage indicator in lieu of a signal score; (b) data freshness — filing data may lag regulatory source records by up to 24 hours or longer depending on state publication schedules and ingestion cadence; the feed timestamp shown in the product reflects the most recent successful ingestion, not necessarily the moment a state portal published a filing; (c) pending filing lag — filings in pending status are included in the feed but their final disposition (approved/denied/withdrawn) is not reflected until the state records disposition; (d) rate-likelihood data basis — rate-likelihood indicators for public-company carriers incorporate EDGAR-sourced GAAP consolidated financial data, which is not directly comparable to NAIC statutory direct-written figures; GAAP-basis figures reflect consolidated results after reinsurance and are not state×line-of-business direct indicators; (e) Rate Bureau states — North Carolina and South Carolina use a Rate Bureau system; filing data for these states reflects deviation filings rather than direct independent rate submissions and requires separate interpretation; Rate Bureau state data is labeled accordingly; (f) Washington DC — DC filing data is not present in our corpus; no Filing Intelligence indicators are available for DC.

27.7 No warranty for Filing Intelligence outputs

In addition to the general warranty disclaimer in § 13, we make no warranty that: (a) any rate-likelihood score, market-cycle label, or filing-activity signal accurately reflects any carrier’s actual intentions, plans, or future rate-filing behavior; (b) the filing feed is complete or that any specific filing has been indexed; (c) extracted rate-change percentages, effective dates, or disposition outcomes are free from errors introduced by the original filer, the state regulator, or our extraction and normalization process; (d) signal coverage is complete across all carrier × state × line-of-business cells; or (e) indicators or feed data are current at any specific moment relative to the underlying regulatory filing records. Filing Intelligence is a research and market-awareness tool and is not a substitute for direct verification against original public regulatory records, independent licensed professional judgment, or actuarial analysis.

27.8 Compliance note

RateFileAI is not a statistical agent, advisory organization, rate service organization, statistical reporting entity, or regulatory consultant within the meaning of any state insurance code or NAIC model law. We do not develop prospective loss costs, file or certify rate indications on behalf of any insurer, issue actuarial certifications or rate adequacy opinions, or distribute statistical data under any ISO, Verisk, or NAIC license agreement. The Filing Intelligence product is a proprietary research platform derived entirely from publicly available state insurance department rate-filing records and public government financial publications. It is not submitted to, certified by, endorsed by, or affiliated with any state insurance department, the NAIC, or any actuarial standard-setting body. No carrier’s non-public, proprietary, or restricted-distribution data is accessed, stored, or displayed through this product. Where rate-likelihood indicators reference NAIC aggregate industry figures, those figures are attributed to NAIC and are used for analytical context only; per-carrier NAIC bulk data is not served through this product. Availability: The core filing feed (carrier rate-filing search, state filing calendar, daily alerts) is available at the Basic tier ($79/mo) and above. Rate-likelihood indicators, market-hardening indicators, and rate-direction analytics may be available in Renewal Defender when enabled for an eligible account. Full RCI analytics (market-cycle phase data, per-state dynamics scorecard, rate adequacy feed) are held from the self-serve launch while workspace packaging is finalized. The institutional carrier filing-intelligence feed (bulk API access, competitive positioning feed, entry/exit indicators, arbitrage mapping) is available only to approved institutional licensees.

28. Filing-Velocity Leading Indicator — product-specific terms

This section governs the Filing-Velocity Leading Indicator feature (“Filing Velocity”), including the Filing Pressure Index (FPI), carrier filing velocity indicators, weekly filing volume charts, market cycle phase indicators, and any AI-generated or derived narratives that surface FPI-based market intelligence. These terms supplement — and do not replace — the general terms in §§ 3–5 and § 13.

28.1 Product description and data-use basis

Filing Velocity derives a Filing Pressure Index (“FPI”) for each period computed as the product of (a) the count of in-scope P&C rate filings with a positive rate change in that period (“filing volume”) and (b) the average approved or filed rate-change magnitude among those filings in percentage points (“filing magnitude”). The FPI and all derived indicators — including carrier velocity indicators, week-over-week filing volume, and market cycle phase labels — are computed solely from the following publicly available data elements: (i) rate filings and their disposition outcomes submitted by insurance carriers to state insurance departments, derived from our P&C rate-filing corpus of publicly available state regulatory submissions; (ii) rate-change magnitude and direction data extracted from those public filings; and (iii) filing frequency, recency, and historical cadence patterns derived from the same corpus. No non-public financial data, private carrier communications, privileged regulatory correspondence, insider market intelligence, or unpublished actuarial data is accessed, stored, or used. All data elements are lawfully obtained from public state regulatory repositories and public government publications.

28.Data unavailable Velocity indicators are research indicators — not predictions, not advice

All Filing Velocity indicators — including the FPI, carrier velocity rankings, market cycle phase labels, and filing volume trends — are research indicators derived from observable historical patterns in publicly available rate-filing records. They are not calibrated probabilities, actuarial projections, or predictions of future carrier behavior or market conditions. The FPI is empirically associated with historical market hardening cycles but does not constitute a guarantee that historical patterns will repeat in any future period or for any specific carrier, state, or line of business. Filing Velocity indicators do not constitute: (a) a prediction that any carrier will file for a rate change of any specific magnitude, on any specific timeline, or in any specific jurisdiction; (b) a forward-looking actuarial analysis of rate adequacy, market pricing, or loss-ratio trends; (c) a determination of any carrier’s current underwriting posture, appetite, financial condition, or business plans; (d) a guarantee that observed filing patterns will continue, accelerate, or reverse in any future period; or (e) a statement that any carrier has indicated, announced, or confirmed any rate action. Past filing-behavior patterns are not a reliable predictor of any specific carrier’s future actions or of future market conditions.

Market cycle phase labels (“hardening,” “softening,” “late-hardening,” and similar descriptions) are retrospective characterizations of historical FPI trajectory. They describe what the filing corpus has exhibited, not what the market will do. Carrier velocity classifications (“expanding,” “retrenching,” and similar) describe observable changes in that carrier’s filing activity relative to prior periods in the corpus; they are not evaluations of that carrier’s strategy, intent, or financial position.

28.3 No placement or carrier recommendations; no advisory service

Filing Velocity is a market-awareness and research tool. Nothing in this product constitutes:

A recommendation to place, renew, non-renew, replace, or move any account to or from any carrier
A recommendation to favor any specific carrier, state, or line of business over any other
Advice to any policyholder, client, or prospect about which carrier to use, stay with, or avoid
A recommendation to time, accelerate, or defer any business or coverage decision based on FPI indicators
Insurance brokerage, solicitation, or sales activity of any kind in any jurisdiction
Regulatory, legal, actuarial, tax, or financial advice of any kind
A filing strategy recommendation or guidance about when or how to file a rate application in any jurisdiction
A statement that any carrier is financially distressed, insolvent, or likely to exit or enter any market
A representation about any carrier’s financial strength, management competence, or business intent

28.4 Florida exclusion

Florida carrier filing data contributes to the national FPI only to the extent that Florida filings are present in our corpus. Florida insurance rate filings are submitted through Florida’s state regulatory filing system, which has limited representation in the corpus underlying Filing Velocity. Where Florida data is absent from a carrier or state cell, Filing Velocity will indicate the data-source limitation. The absence of filing data for a Florida carrier is not a signal of any kind about that carrier’s filing activity, market plans, or financial condition; it reflects only a data-source limitation. Users relying on Filing Velocity for Florida market intelligence should consult Florida-specific regulatory sources directly.

28.5 Known data limitations

In addition to the general limitations in §§ 3 and 7: (a) rate-change extraction coverage — the FPI computation requires a disclosed overall rate-change percentage; this field is populated for approximately 25–35% of in-scope filings depending on year and line of business; filings without a disclosed rate change are excluded from FPI computation, which may cause the FPI to understate aggregate market pressure if high-magnitude filings are systematically more likely to disclose overall rates; (b) filed vs. approved rates — the FPI captures the filed rate change, not the approved rate change; in prior-approval states, regulators may approve a smaller increase than filed; the FPI is therefore a measure of carrier demand for rate change, not the regulator’s supply of rate change, and may overstate the effective market pressure in rate-regulated states; (c) corpus window — FPI indicators are derived from a five-year corpus; longer-horizon cycle patterns require external context beyond what the corpus window supplies; (d) Rate Bureau states — North Carolina and South Carolina use an industry Rate Bureau system; filing data for those states reflects deviation filings rather than independent rate submissions and requires separate interpretation; Rate Bureau state data is labeled accordingly; (e) data freshness — filing data may lag regulatory source records by up to 24 hours or longer depending on state publication schedules and ingestion cadence; (f) Washington DC — DC filing data is not present in our corpus; no Filing Velocity indicators are available for DC.

28.6 No warranty for Filing Velocity outputs

In addition to the general warranty disclaimer in § 13, we make no warranty that: (a) any FPI value, carrier velocity signal, or market cycle phase label accurately reflects actual market conditions, carrier intentions, or future pricing trends; (b) the FPI is complete across all carrier × state × line-of-business cells; (c) extracted rate-change percentages used to compute the FPI are free from errors introduced by the original filer, the state regulator, or our extraction and normalization process; (d) any observed FPI trajectory — hardening, softening, or flat — will continue, reverse, or repeat in any future period; or (e) indicators are current at any specific moment relative to underlying regulatory filing records. Filing Velocity is a research and market-awareness tool and is not a substitute for direct verification against original public regulatory records, independent licensed professional judgment, or actuarial analysis.

28.7 Compliance note

RateFileAI is not a statistical agent, advisory organization, rate service organization, statistical reporting entity, or regulatory consultant within the meaning of any state insurance code or NAIC model law. We do not develop prospective loss costs, file or certify rate indications on behalf of any insurer, issue actuarial certifications or market-cycle opinions, or distribute statistical data under any ISO, Verisk, or NAIC license agreement. The Filing Velocity product and the Filing Pressure Index are proprietary analytical research indicators derived entirely from publicly available state insurance department rate-filing records. They are not submitted to, certified by, endorsed by, or affiliated with any state insurance department, the NAIC, or any actuarial standard-setting body. No carrier’s non-public, proprietary, or restricted-distribution data is accessed, stored, or displayed through this product. The FPI is computed from our rate-filing corpus only and does not incorporate NAIC statutory financial bulk data; accordingly, the NAIC redistribution-license constraints applicable to loss-ratio benchmarking features do not apply to FPI indicators. All filing-corpus statistics derive from publicly disclosed regulatory filing data lawfully obtained from state regulatory agencies. Tier access: the Filing Velocity Tracker (/filing-velocity.html and the associated API) is available at the Basic tier ($79/mo) and above. It is login-gated and not available to unauthenticated users.

29. Cross-State Rate-Arbitrage Map — product-specific terms

This section governs the Cross-State Rate-Arbitrage Map feature (“Rate-Arbitrage Map”), including the carrier × state × line-of-business approved-rate comparison panel, median approved rate outputs, regulatory haircut metrics, and the binding-constraint signal. These terms supplement — and do not replace — the general terms in §§ 3–5 and § 13.

29.1 Product description and data-use basis

The Rate-Arbitrage Map aggregates publicly available state insurance department rate-filing records to surface, for each carrier (by parent group) × line-of-business × state cell, the following metrics derived from filings where a regulator issued a final approved rate: (a) average and median approved rate-change percentage over the selected lookback window; (b) average indicated rate-change percentage where carriers disclosed an actuarial indication alongside the filed rate; (c) an average regulatory haircut metric (the difference between the approved rate and the indicated rate where both values are present in the same filing); and (d) a binary binding-constraint signal flagging cells where the average haircut is materially negative, indicating that the regulator historically approved less than the carrier’s actuarial indication. All metrics are derived solely from publicly available data: approved final rate submissions filed by insurance carriers with state insurance departments and the approved and indicated rate figures contained in those filings. No non-public financial data, private carrier communications, privileged regulatory correspondence, insider market intelligence, or unpublished actuarial data is accessed, stored, or used.

29.2 Rate-Arbitrage Map outputs are research indicators — not predictions, not filing advice

All Rate-Arbitrage Map outputs — including approved-rate averages, medians, haircut metrics, and the binding-constraint signal — are historical statistical summaries of publicly available regulatory records. They are not predictions, projections, or actuarial analyses. A binding-constraint signal does not represent a prediction that a regulator will reduce any future rate filing or that any future rate application will be subject to a haircut. These outputs do not constitute: (a) a prediction of how any specific filing by any specific carrier will be treated by any state regulator; (b) a recommendation to file, not file, accelerate, defer, modify, or withdraw any rate application in any jurisdiction; (c) a determination of any regulator’s likely response to any specific carrier or filing; (d) a guarantee that any historical approved-rate pattern will persist in any future period; or (e) advice about whether approved rate levels in any state or line of business represent an arbitrage opportunity of any kind. The term “arbitrage” in the product name describes the act of comparing approved-rate outcomes across states using public data — it is not a representation that regulatory or market arbitrage of any kind is legally available, appropriate, or achievable. All filing, pricing, and market-entry decisions involve complex legal, actuarial, and regulatory factors that this feature cannot replace.

29.3 No placement recommendations; no filing strategy advice

The Rate-Arbitrage Map is a market-intelligence and research tool. Nothing in this feature constitutes:

A recommendation to enter, exit, expand into, or reduce exposure in any state or line of business
Regulatory, legal, or actuarial advice about whether or how to file a rate application in any jurisdiction
A recommendation to place, renew, non-renew, avoid, or replace business with any carrier based on that carrier’s cross-state rate outcomes
A recommendation to favor or disfavor any state, carrier, or line of business based on approved-rate or haircut metrics
Advice to your accounts or prospects regarding carrier pricing, carrier selection, or rate adequacy in any market
A filing strategy recommendation or guidance about optimal rate levels, timing, or market selection for any insurer

All filing, pricing, expansion, and carrier-relationship decisions must be based on your independent professional judgment, licensed actuarial analysis, and legal advice as appropriate, not on any Rate-Arbitrage Map output alone. The feature provides statistical context about historical regulatory outcomes; it does not substitute for actuarial work product, regulatory counsel, or independent verification against source filings.

29.4 No carrier defamation; factual basis only

Approved-rate averages, haircut metrics, and the binding-constraint signal are statistical summaries of observable public regulatory record outcomes. They are presented as factual market-environment data, not as evaluative judgments about carriers, regulators, or state insurance departments. A binding-constraint flag for a carrier × state × line-of-business cell means that, historically, the average approved rate in publicly filed records was materially below the average indicated rate in those same public filings — it is a statistical description, not a characterization of regulator conduct, competence, or policy. Nothing in the Rate-Arbitrage Map implies that any carrier has acted improperly in its rate filings or that any regulator has acted unlawfully or unreasonably in its dispositions.

29.5 Florida exclusion

Florida carrier data is not available in the Rate-Arbitrage Map because Florida insurance rate filings are submitted through Florida’s state regulatory filing system, which is not incorporated into our rate-filing corpus. The absence of Florida data is not a signal about the Florida regulatory environment or any Florida carrier’s rate position; it reflects only a data-source limitation.

29.6 Known data limitations

In addition to the general limitations in §§ 3 and 7: (a) coverage — not every carrier, state, or line-of-business cell is represented with equal depth; coverage, freshness, and filing count vary and are described at our methodology page; cells with limited filing history display a coverage indicator rather than a metric; (b) indicated-rate availability — haircut and binding-constraint metrics are only computed where carrier filings include a disclosed actuarial indication; cells where indications are absent display only approved-rate averages and the binding-constraint field is null; (c) Rate Bureau states — North Carolina and South Carolina use an industry Rate Bureau system; approved-rate and haircut metrics for these states reflect deviation-filing outcomes, which measure a different aspect of the regulatory environment than direct-filed rate changes in non-Rate Bureau states; Rate Bureau state data is labeled accordingly and requires separate interpretation; (d) data freshness — filing data may lag state regulatory source records depending on state publication schedules and ingestion cadence; the lookback window displayed in the product reflects the filing-date range of records in our corpus, not necessarily the current calendar date; (e) Washington DC — DC filing data is not present in our corpus.

29.7 No warranty for Rate-Arbitrage Map outputs

In addition to the general warranty disclaimer in § 13, we make no warranty that: (a) approved-rate averages, medians, haircut metrics, or binding-constraint indicators accurately reflect any carrier’s actual pricing strategy, actuarial position, or intent; (b) any binding-constraint signal will correspond to an adverse regulatory outcome on any future filing; (c) any absence of a binding-constraint flag will correspond to favorable regulatory treatment of any future filing; (d) rate coverage is complete across all carrier × state × line-of-business cells; or (e) outputs are current at any specific moment relative to the underlying state regulatory filing records. The Rate-Arbitrage Map is a research and market-awareness tool and is not a substitute for direct verification against original public regulatory filings, independent licensed professional judgment, or actuarial analysis.

29.8 Compliance note

RateFileAI is not a statistical agent, advisory organization, rate service organization, statistical reporting entity, or regulatory consultant within the meaning of any state insurance code or NAIC model law. We do not develop prospective loss costs, file or certify rate indications on behalf of any insurer, issue actuarial certifications or rate adequacy opinions, advise on regulatory strategy in any jurisdiction, or act as a licensed representative before any state insurance department. The Rate-Arbitrage Map is a proprietary research tool derived entirely from publicly available state insurance department rate-filing records. It is not submitted to, certified by, endorsed by, or affiliated with any state insurance department, the NAIC, or any actuarial standard-setting body. No carrier’s non-public, proprietary, or restricted-distribution financial or actuarial data is accessed, stored, or displayed through this feature. The feature name “Rate-Arbitrage Map” is a research shorthand for cross-state rate comparison; RateFileAI makes no claim that rate arbitrage is permitted, advisable, or achievable under any applicable law or regulatory scheme. Tier access: the Rate-Arbitrage Map is available exclusively to institutional data licensees (contact sales; provisioned by written data-license agreement). It is not available on the Basic or Professional self-serve plans.

© RateFileAI, LLC. A Florida limited liability company. Not affiliated with, endorsed by, or representing any state insurance department or the National Association of Insurance Commissioners. All third-party names are property of their respective owners.