NAIC consumer resources
Not a regulator itself. It runs the lookups the regulators feed.
The National Association of Insurance Commissioners is the standard-setting organisation of the chief insurance regulators of the fifty states, the District of Columbia and the US territories.
It's frequently misunderstood, and it publishes several genuinely useful things free.
What it is and isn't
The NAIC is not a federal regulator and has no direct authority over your insurer. Insurance regulation sits with the states.
What it does is develop model laws and regulations that states may adopt, coordinate between regulators, and maintain national databases and consumer tools. Your complaint still goes to your own state department.
The Consumer Information Source
A free lookup covering insurers licensed in the United States, showing complaint data including the complaint index, closed complaint counts by reason and by line, licensing information, and key financial data.
It's the single most useful free tool for checking a company before you buy, and almost nobody uses it.
Producer licence lookup
The National Insurance Producer Registry, affiliated with the NAIC, lets you verify that an individual or agency holds a licence and in which states.
Two minutes, free, and worth doing before handing over personal information or a payment.
Model laws are why coverage differs by state
The NAIC develops model acts that states may adopt in whole, in part, or not at all. That's the mechanism behind much of the state-by-state variation in insurance rules.
The Pet Insurance Model Act is a current example: some states have enacted it, others have legislation pending, and the rest have neither — which is why pet insurance disclosure requirements differ depending on where you live.
What to use, in order
- Consumer Information Source — check the insurer's complaint record before buying
- Producer licence lookup — verify whoever is selling to you
- Your own state department — for complaints, and for state-specific rules
- Rating agencies — for financial strength
Common questions
No. It's the standard-setting organisation of the state insurance regulators. Regulation and enforcement sit with your own state department, which is also where complaints go.
Insurer complaint data and financial information through the Consumer Information Source, and producer licences through the National Insurance Producer Registry.
The NAIC writes model laws; states choose whether to adopt them, in whole or in part. That's the mechanism behind most state-by-state variation.
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This page is general information, not advice about your specific circumstances. A licensed insurance professional can tell you what’s actually available to you.
General information only, not insurance advice. Coverage, availability, and terms vary by insurer and by state, and are subject to underwriting. Quote My Policy LLC is a licensed insurance producer. Nothing here binds coverage.