Insurance Companies

Insurance Companies in the United States

Legal Materials

The principal directory of insurance companies is Best’s Insurance Reports, which has domestic “Life-Health,” “Property-Casualty” and “International” editions (see “A.M. Best” in this legal Encyclopedia). In addition to the print volumes, company reports and news articles can be purchased on the A.M. Best Web site and through Lexis (COMPNY;AMBEST).

Another directory: Some insurance companies are profiled in the Mergent Bank and Finance Manual.

Also visit the company’s Web site – most insurance companies post a lot of information – and the Web site of the insurance commissioner for the relevant state(s). The NAIC maintains a clickable map with links to each state’s insurance commissioner Web site.

NAIC Filings: Most insurance companies make annual and quarterly filings with the National Association of Insurance Commissioners (NAIC). The NAIC puts the information into several databases (e.g., “assets,” “claims paid,” etc.) and provides this information to the public. Basic information is available free in the Company Search for Complaint and Financial Information; if you can provide the name of the company and a state where it does business, you can find the company’s home state, the type of insurance it provides, the NAIC number, the number of closed complaints filed against the company, the dollar value of premiums written for each state plus the company’s total premiums written, assets and liabilities, and possibly even get the company’s Annual Statement. Complete annual and quarterly statements in PDF format can be downloaded from the NAIC’s InsData site for a moderate charge.

Instructions for making NAIC filings are published in the NAIC’s Annual and Quarterly Statement Instructions (available from the NAIC Store). For questions regarding filings, contact the NAIC’s Insurance Products and Services Division at 816-783-8300.

Ratings: For ratings on the financial health of insurance companies see “Insurance Ratings.”

SEC Filings: Many insurance companies are public and therefore make informative public filings with the SEC. For information on how to get SEC filings, see the Filings section of “Securities and Exchange Commission.”

Insurance Companies and the State Laws

Select from the list of U.S. States below for state-specific information on Insurance Companies:


See Also

Company Information
Insurance Contract Clauses
Insurance Ratings
National Association of Insurance Commissioners
Securities and Exchange Commission

Further Reading

Insurance Companies: Open and Free Legal Research of US Law

Federal Primary Materials

The U.S. federal government system consists of executive, legislative, and judicial branches, each of which creates information that can be the subject of legal research about Insurance Companies. This part provides references, in relation to Insurance Companies, to the legislative process, the federal judiciary, and the primary sources of federal law (cases, statutes, and regulations).

Federal primary materials about Insurance Companies by content types:

Laws and Regulations

US Constitution
Federal Statutory Codes and Legislation

Federal Case Law and Court Materials

U.S. Courts of Appeals
United States courts of appeals, inclouding bankruptcy courts and bankcruptcy appellate panels:

Federal Administrative Materials and Resources

Presidential Materials

Materials that emanate from the President’s lawmaking function include executive orders for officers in departments and agencies and proclamations for announcing ceremonial or commemorative policies. Presidential materials available include:

Executive Materials

Federal Legislative History Materials

Legislative history traces the legislative process of a particular bill (about Insurance Companies and other subjects) for the main purpose of determining the legislators’ intent behind the enactment of a law to explain or clarify ambiguities in the language or the perceived meaning of that law (about Insurance Companies or other topics), or locating the current status of a bill and monitoring its progress.

State Administrative Materials and Resources

State regulations are rules and procedures promulgated by state agencies (which may apply to Insurance Companies and other topics); they are a binding source of law. In addition to promulgating regulations, state administrative boards and agencies often have judicial or quasi-judicial authority and may issue administrative decisions affecting Insurance Companies. Finding these decisions can be challenging. In many cases, researchers about Insurance Companies should check state agency web sites for their regulations, decisions, forms, and other information of interest.

State rules and regulations are found in codes of regulations and administrative codes (official compilation of all rules and regulations, organized by subject matter). Search here:

State opinions of the Attorney General (official written advisory opinions on issues of state law related to Insurance Companies when formerly requested by a designated government officer):

Tools and Forms

Law in Other Regions

*This resource guide is updated frequently. However, if you notice something is wrong or not working, or any resources that should be added, please notify us in any of the "Leave a Comment" area.

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