Built for P&C carriers

Insurance competitive intelligence — built on rate filings.

Track rate filings in all 50 states. See competitor moves the day they happen. Turn raw filings into strategy with AI.

Filings Browser · Commercial Auto · TX Live
Travelers
+11.4%
Liberty Mutual
+9.2%
The Hartford
+7.8%
Nationwide
+5.4%
Allstate
–1.2%
50
U.S. states covered + DC
Weekly
Data refresh cadence
All P&C
Lines of business
< 1 day
Alert latency on filings
The problem

Why traditional CI doesn't work for insurance carriers.

Pricing, product, and strategy teams need to know what competitors filed — by line, by state, this week. The tools most carriers rely on weren't designed for that.

SERFF is a database, not intelligence.

SERFF was built for regulators. Finding what a competitor filed means hours of searching, downloading PDFs, and reading dense actuarial memos. By the time you've assembled the picture, the market has moved.

General CI tools don't understand filings.

Generic competitive intelligence platforms scrape press releases and websites. They miss the moves that actually matter to carriers — rate changes, form revisions, regulatory responses, and the patterns inside them.

Quarterly reports are too slow.

By the time a research firm publishes a market study, rates have already changed, competitors have already filed, and your window to respond is closing. Carriers need weekly clarity, not quarterly hindsight.

What Insuraviews does

Every filing. All 50 states. Turned into strategy by AI.

Insuraviews was built by actuaries, product leaders, and engineers who lived this problem inside carriers — and knew there had to be a better way to see the market.

Search every filing in plain English.

Our AI assistant lets you ask the kinds of questions analysts have always wanted to: "Which carriers raised commercial auto rates above 8% in the southeast last quarter?" Get the answer in seconds — sourced and exportable.

  • Natural-language queries across millions of filings
  • Filter by state, line, carrier, date, or rate impact
  • Save searches and get alerted on new matching filings
All carriers Last 90 days Approved + Pending + 1,247 results

See every competitor rate move — across all 50 states.

Insuraviews ingests rate filings from every state DOI across every major P&C line: personal and commercial auto, homeowners, BOP, commercial GL, workers comp, and more. Weekly refresh means the picture you see is the market as it is now — not last quarter.

Average rate impact — Personal Auto, Q1 2026
Allstate Am. Family Chubb Hartford Liberty Nationwide Travelers

AI that reads filings the way analysts wish they could.

Insuraviews extracts rate impact, affected policyholders, average premium change, and the rationale behind every filing — automatically. Ask follow-ups. Spot trends. Skip the dense memos.

  • Auto-extracted: rate impact, policyholder count, premium delta and much more
  • Filing rationale summarized in 1–2 sentences
  • Every answer cited back to the source filing
What drove Liberty Mutual's recent commercial auto rate increase in TX?
Liberty Mutual filed a +9.2% rate change effective March 2026, citing loss cost trend (severity +6.1%, frequency +2.8%) and adverse reinsurance market pressure. Affects ~84,500 policyholders, +$311 avg premium impact.[LM-TX-26-014]
Show me filings with similar rationale across other states.

Brief Builder — from raw filings to executive intelligence.

Turn the noise of thousands of filings into the signal your team needs. Generate competitor profiles, market trend summaries, and executive-ready briefs in minutes. Every claim sourced, every number defensible.

  • One-click competitor profiles and market briefs
  • Defensible, sourced, and ready to share
  • Export to PDF, slides, or your wiki
Travelers · Q1 2026 Profile
AI Brief
+8.3%
Avg rate change
42
States active
61
Filings YTD

DOI reviewer insight you won't find anywhere else.

Different reviewers care about different things. Insuraviews surfaces the objection patterns of every state DOI reviewer — so your compliance team can pre-empt friction, draft stronger filings, and accelerate approvals.

  • Reviewer profiles for all 50 states
  • AI-drafted objection responses based on approved precedent
  • Cycle-time benchmarks by state and line
DOI reviewer pattern — TX, Personal Auto
TX
Trend selection
92%
TX
Credibility weight
78%
TX
LAE methodology
65%
TX
Combined ratio
51%
TX
Class plan support
38%
How it works

Three steps to seeing the market clearly.

1

Set your watchlist.

Choose the carriers, lines of business, and market segments worth tracking. Insuraviews monitors every matching filing automatically — no SERFF hunting required.

2

AI surfaces the moves.

As new filings hit SERFF, our AI extracts rate impact, affected policyholders, and rationale — then alerts the people on your team who need to know.

3

Turn intel into strategy.

Use Brief Builder to generate competitor profiles, market trend reports, and executive-ready briefs in minutes. Defensible. Sourced. Ready to share.

Built for the teams that need to see the market.

Each role gets views, alerts, and workflows tailored to the questions they ask most often.

Pricing & Actuarial

Benchmark every competitor rate by line and state. Spot rate-change momentum before it shows up in industry reports. Build your next filing with full visibility.

Product & CI Leaders

See which carriers are entering, exiting, or repositioning in your markets. Track product-form changes. Generate competitive briefs in minutes.

State Filing & Compliance

Resolve DOI objections faster with insight into every reviewer in every state. Use AI-drafted responses based on approved precedent.

Executives & Strategy

Understand market dynamics at a glance. Where is rate adequacy improving? Which carriers are pulling back? Where are competitors leaning in?

What carriers are saying

Insuraviews replaced two days of manual SERFF research per filing. Our pricing team now sees competitor moves the week they happen — not the quarter after.

User at a Top 25 carrier
FAQ

Frequently asked questions

What is insurance competitive intelligence?
Insurance competitive intelligence is the practice of systematically tracking and analyzing what other carriers are doing — rate changes, product launches, market entries, regulatory responses — so your team can make informed pricing, product, and strategy decisions. For P&C carriers, rate filings are the single richest source of competitive intelligence, because every meaningful pricing or product move ends up in a state filing.
How is Insuraviews different from SERFF?
SERFF is the regulatory system carriers use to submit filings to state Departments of Insurance. It's a filing tool, not an intelligence tool. Insuraviews ingests filings from every state and uses AI to extract the data points carrier teams actually care about — rate impact, affected policyholders, premium change, rationale, and reviewer patterns — and makes them searchable in plain English.
How often does the data refresh?
Weekly. As state DOIs post new filings, Insuraviews pulls them in, runs AI extraction, and surfaces the relevant moves to your team. For high-priority markets, alerts can fire the same day a filing is posted.
Which lines of business are covered?
All major property and casualty lines, including personal auto, commercial auto, homeowners, BOP, commercial general liability, workers compensation, and more. Specialty lines and sub-lines are supported on request.
Can Insuraviews help with DOI objections?
Yes. Insuraviews surfaces the objection patterns of individual state DOI reviewers, and our AI can draft responses based on how comparable objections were resolved in approved competitor filings. Compliance teams use this to clear objections faster and reduce filing cycle time.
How long does implementation take?
Most carriers are up and running within a few days. There's no data migration required — Insuraviews already has the filings. We configure your views and alerts to match your team's markets and workflow.
Who at the carrier typically uses Insuraviews?
Pricing and actuarial teams, product managers, competitive intelligence leaders, state filing and compliance teams, and executives. Each role has views and workflows tailored to the questions they ask most often.
Competitive Intelligence

See your market in 30 minutes.

Stop assembling intelligence by hand. We'll show you exactly what Insuraviews surfaces for your states, your lines, and your competitors.

Most demos finish in under 30 minutes.

Request a demo