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Pricing, product and actuarial teams watch the market through other carriers' rate filings: who is taking rate, how much, in which states, and how they justified it to the regulator. That record is public in most states, published through SERFF Filing Access. The hard part is gathering it, because the portals are searched one state at a time and the answers are inside the filing documents.
Evermont is an insurance regulatory filing desk inside the AI assistant your team already uses (Claude, ChatGPT or Codex), and searching public SERFF filings is one part of it (what the search covers). For competitive analysis, the assistant searches across states, opens the filings that matter, reads their exhibits and lays the comparison out for you, with the filing, document and page behind every point.
Questions teams ask
- Which carriers filed homeowners rate increases in a state this year, and how large were they?
- What did a named competitor change in its last auto filing, and what drivers did it cite?
- How did competitors support their trend, catastrophe or reinsurance provisions?
- Which filings in a line were disapproved or withdrawn, and what did the department object to?
- How does our proposed change compare with what the state approved recently?
From a list of filings to an analysis
A search returns the filings that match; the useful part is inside them. The assistant opens each filing's documents and reads the pages it needs, such as the indicated and selected changes, the trend selections, the expense provisions or the department's objections, then puts the findings together. For a question that spans states, it searches each state in turn and combines the results in one answer.
A competitor review in one conversation
Find
Search the states, lines and dates you care about, filtered by company or rate change.
Read
Open the memorandum, exhibits and correspondence of the filings that matter.
Compare
Lay the results out as a table, each row with its tracking number and page.
Keep
Save a document to one of your filings, or attach a public filing as labeled reference.
When a filing is worth keeping, the assistant can give you a short-lived download link or a ZIP of the whole filing, or copy a document into one of your Evermont filings as labeled reference material. The research tools only read public filings; your own filings change only when you ask.
What to keep in mind
- Public means what the state published. Confidential exhibits, filings still under review and filings a state chose not to publish are not in the record, so they are not in the analysis (confidentiality in filings).
- A filed change is not a market price. A filing's overall rate change is an average over its book; individual customers' changes vary, and what a carrier charges depends on its whole rating plan.
- Check before you rely on it. An empty result is not proof that no filing exists, and a number in an analysis should be checked against the page it cites.
- Precedent has a date. An approved filing shows what a state accepted then, under the rules in force at the time.
Reading a competitor rate filing walks through what to look for once a filing is open. The docs cover connecting your assistant and list the SERFF tools, and the demo shows Evermont at work.
Questions and answers
Where does the competitor data come from?
From the rate, rule and form filings states publish through SERFF Filing Access. Evermont indexes those public filings; it has no private or purchased rate data, and it shows only what a state made public.
Can I compare rate changes across carriers?
Yes. Searches can filter by state, company, line, filing type, status, dates and the overall rate change where the filing reports one, and the assistant can put the results side by side in a table with the filing each row came from.
Can it read the exhibits, not just the summary?
Yes, where the state published them. The assistant opens a filing's documents, such as the actuarial memorandum, rate exhibits, rate pages and correspondence, and reads the pages it needs. Exhibits a filer marked confidential are usually not public.
Does Evermont estimate a competitor's premium for a given risk?
No. Evermont reads and compares what carriers filed. It does not rate a risk with another carrier's rating plan or estimate their market premiums.
See it work: watch the 75-second demo or read the docs for setup, the tool list and coverage.
Sources
General information, not legal or actuarial advice. Requirements differ by state, line and filing; check the current rules with the department of insurance before you file.