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SERFF Filing Access (SFA) is where the public record of insurance rate and form filings lives. The NAIC runs it as the public interface for viewing filings that participating states have made public, and state insurance departments point consumers and companies to it. Washington's OIC, for example, tells the public to search company rate, rule and form filings there. It is official, free and the source to rely on.
It is also built state by state. That is the reason people look for an alternative: not to replace the public record, but to work across it faster.
Why the portals work one state at a time
SERFF is shared infrastructure, but each state decides what it publishes. The NAIC's SERFF page has you select a participating state, or the Interstate Compact, to reach its public access. Each state chooses which filings to publish, when (often after review closes), in how much detail and for how many years, under its own public records law. Some limit public viewing to filings marked eligible; Alabama's page says interested parties can see filing details only for filings marked eligible for public access.
For a question about one filing, that design works well: pick the state, search by company, tracking number or product, open the filing. For questions like these, it means a lot of repeated work:
- How did three competitors' personal auto rate changes compare across the Midwest last year?
- Which carriers filed homeowners rate increases above 10% in coastal states, and how did they support the catastrophe load?
- How have different states responded to the same advisory organization loss cost filing?
Each requires the same search in several state portals, opening each result and reading the memorandum and exhibits to find the numbers that matter.
How multistate research works in Evermont
Evermont indexes public SERFF filings from 49 states and the District of Columbia, from 2011 to the present, by their filing details: company, product, tracking number, type of insurance, filing type, status, dates and rate change. Your assistant searches through Evermont the way an analyst would, one state at a time, but runs the searches for you within one conversation and puts the results side by side.
A multistate question, in one conversation
Ask
Describe the question in plain language: the line, the states, the companies, the period.
Search each state
The assistant runs the search in each state through Evermont and collects the matching filings.
Read the documents
It opens the memoranda, exhibits and rate pages and pulls out the figures you asked for.
Compare, with citations
It answers with a comparison that names the filing, document and page behind each number.
When a filing you can name is not yet in the index, give the tracking number and the state: Evermont can fetch it live from SERFF Filing Access. The SERFF filing search page covers what you can search for and how documents are read.
What stays the same
- The source is the public record. Evermont's SERFF data is what states publish through SFA. Confidential exhibits and unpublished filings are not available through Evermont either; the state's public records process is the route for those.
- SFA remains the authority. For anything you will rely on, open the original filing; Evermont's answers name the filing, document and page so you can.
- An empty result is not proof. A search that finds nothing does not show that no filing exists. Check the inputs and the state's own records.
The coverage section of the docs lists what the SERFF data includes. To see SERFF research in Claude, watch the demo.
Questions and answers
Is SERFF Filing Access free?
Yes. SERFF Filing Access is the NAIC's public interface for viewing the rate and form filings that participating states have made public. Evermont works from those same public filings, inside your AI assistant; access to Evermont is by request.
Can Evermont search every state in one query?
Searches run one state at a time. For a question that spans states, your assistant searches each state in turn within the same conversation and puts the results together, with each filing cited.
Does Evermont have filings that SERFF Filing Access does not?
No. Evermont's SERFF data is the public filings states publish. Documents withheld as confidential, and filings a state does not publish, are not in Evermont either; for those, the state's public records process is the route.
What if a filing I need is not in Evermont's index?
Give your assistant the SERFF tracking number or filing ID and the state. Evermont can fetch that filing live from SERFF Filing Access; the first answer may say the fetch is in progress, and asking again shortly returns it.
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.