The platform

Rate filings, read and structured into data your team can use.

Insuraviews structures filings from the major carriers and lines of business, then gives your team a full toolkit on top: search, reports, AI analysis, sourced briefs, and objection responses.

RATE FILING.PDF 1,284 pages
Rate impact +9.2% Rating factors 18 Objections 2 Coverages 7 Eff. date 04/01
Structured data
Rate impact+9.2%
Rating factors18
Objections2
Coverages7
The toolkit

Pick a tool, see it in action

A full set of tools sitting on the structured data, so you go from a question to a defensible answer without ever leaving the platform.

From the whole market to a single page

Each filing can run thousands of pages. The browser distills every one into the metrics that matter: rate impact, premium change, affected policyholders, objections, approval timelines, and loss ratios. Sort, open any filing for the full breakdown, download the original document, and save your filters.

Filings browser · 50 states
Personal Auto · Florida
84,500 policyholders · approved
+9.2%
Homeowners · Texas
2 objections · pending
+11.6%
Commercial Auto · Illinois
Loss ratio 0.71 · approved
+0.4%

Save it, then let it find you

Bookmark the filings you care about and Insuraviews watches them for you. When a bookmarked filing changes status, from pending to approved, you get an email: immediate, daily digest, or weekly. Each alert carries the filing, carrier, status, and a direct link back in.

Watching your bookmarks
Homeowners · Texas
Filing status update
PendingApproved ✓
Delivery
ImmediateDaily digestWeekly digest

Answer DOI objections in minutes

Paste a DOI reviewer's objection and Insuraviews drafts a professional response letter, backed by comparable filings from other states, supporting industry data, and approved regulatory language. Review, edit, and send.

Objection
"Justify the proposed trend factor."
Personal Auto · TX
Drafted response

Compare any two filings, line by line

Put two filings side by side and see exactly what differs in rate changes, justifications, supporting data, geographic scope, and timelines, whether across versions of one filing or across competitors.

Filing A
Filing B
2 differences foundRate changeEffective date

Ask in plain English, or write SQL

Advanced users get direct database access. Write SQL in the editor, or ask a plain-English question and Insuraviews writes the query for you. Read-only, with query history and one-click CSV export.

ask: rate increases above 8% in TX last year
SELECT carrier, rate_impact FROM filings WHERE state='TX' ...
Query historyCSV export ✓

Generate a sourced brief in minutes

Pick an analytical lens and a scope of carriers, lines, states, and dates. Brief Builder writes the analysis, scores how strong the evidence is, and links every claim back to its source. Try the full lens picker further down the page.

Market brief
Personal auto rates are hardening across the Southeast.
Rate & pricing6 states148 filings
Evidence strengthHigh
Reports & analytics

Visualize trends across the market in one place

Because every filing is already ingested with its data pre-extracted, you can analyze and visualize rate trends across hundreds of filings instantly. No waiting on an LLM to go retrieve documents and parse them on the fly. The data is already here, so the analysis is immediate. Slice it from whichever angle the question demands.

Single Carrier View

One carrier, every move

Focused analysis on a single company's rate filing activity, strategies, and patterns across states and lines of business. See where one carrier is pushing rate, pulling back, or repositioning.

Carrier A · rate change by state
Multi Carrier View

Compare carriers head to head

Analyze multiple carriers at once to understand competitive dynamics, market positioning, and industry-wide trends. Put several carriers side by side and watch the market take shape.

Avg rate impact · selected carriers
DOI View

See it from the regulator's chair

A regulatory-perspective report summarizing Department of Insurance activity: approval patterns, objection trends, and decision-making across jurisdictions. Know how each DOI behaves before you file.

DOI reviewers · avg days to approve
Reviewer, TX
18d
Reviewer, FL
34d
Reviewer, CA
51d
Reviewer, NY
27d
Rating Factors View

Down to the actuarial detail

Dive into the actuarial components behind a rate change: loss ratios, trend factors, expense ratios, and the other elements that justify the number. The reasoning, not just the result.

Rating factors · Personal Auto filing
Loss ratio
0.71
Trend factor
+4.2%
Expense ratio
0.26
Indicated rate
+9.2%
State View

Market activity by geography

Examine the market from a state perspective: state-specific trends, regulatory environments, and competitive landscapes. Understand a single state before you enter, expand, or defend it.

Filing activity · by state
Florida
High
Texas
High
Georgia
Med
Ohio
Low
AI Assistant

AI combined with structured data

Most tools are a blank chat box sitting on top of a pile of PDFs. Insuraviews works the other way around: you start with structured data, reports, and filings already in front of you, then call on the assistant to go deeper once your context is narrowed.

  • Starts from your context. Narrow to a carrier, state, line, or set of filings anywhere in the tool, then ask the assistant to take it further.
  • Reads the whole set. It engages with the entirety of a group of filings, including the attachments where the most valuable detail often hides.
  • Builds tables and visuals on the fly. Ask for a breakdown and it generates exportable tables and charts dynamically, right inside the assistant.
  • Fast because the data is ready. Since every filing is already extracted, it analyzes in seconds instead of fetching and parsing documents on demand.
Your current context
Personal AutoSoutheast202418 filings
Summarize the rate drivers and chart the impact by state.
Generated by the assistant
Exportable table · CSV · chart
Brief Builder

Turn hundreds of filings into a sourced brief

Pick an analytical lens and a scope of carriers, lines, states, and dates. Brief Builder generates the analysis, scores how strong the evidence is, and links every claim back to the filings behind it.

General Market Intelligence
Three national carriers are expanding homeowners writing across the Southeast.
Evidence strengthHigh
148 filings across 6 states, every claim linked to its source
The data underneath

Every feature runs on the same structured data

Insuraviews ingests filings from across the country and turns the documents into clean, queryable data. That is what makes search, reports, and briefs fast, sourced, and defensible.

All 50
U.S. states, plus DC
All major
P&C carriers tracked
15
Lines of business covered
Weekly
Data refreshed within the last week

A single filing can be thousands of pages. We distill every one into the data points that matter: rate impact, affected policyholders, premium change, loss ratios, trend factors, objections, and approval timelines.

Personal AutoHomeownersCommercial AutoCommercial Multi-PerilWorkers CompensationInland MarineOther LiabilityPropertyMed MalCropSuretyFidelityBoiler & MachineryBurglary & TheftInterline

Built for the teams that move the market.

Each role gets views, alerts, and AI shortcuts tailored to the questions they ask most.

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, Underwriting & CI

See which carriers are entering, exiting, or repositioning in your markets. Inform underwriting appetite with a clear view of competitor moves, track product-form changes, and generate competitive briefs in minutes.

State Filing & Compliance

Know every DOI reviewer's pattern before you file. Pre-empt objections, draft fast responses from approved precedent, and shave days off every cycle.

Executives & Strategy

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

See the full platform in 30 minutes.

Book a walkthrough and we will show you how Insuraviews fits your lines, your states, and the way your team already works.

Request a demo
Brief Builder