Forward to: Compliance

Regulatory Compliance
Workflows

Ten agent workflows for the Compliance team — state/federal regulation tracking, rate filing monitoring, market conduct intelligence, solvency compliance, NAIC bulletin monitoring, producer licensing verification, anti-fraud compliance, privacy regulation tracking, surplus lines compliance, and regulatory examination preparation.

1State Regulation Change Monitoring

AI agent monitors state insurance department websites and regulatory bodies for new bulletins, rate filing requirements, and compliance changes — providing early warning of regulatory shifts across all operating states.

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Track Regulatory Website Changes
/compliance /press /blog /legal Change Detection
REGULATORY CHANGE ALERTS — 50 STATE DOI MONITORING ════════════════════════════════════════════════════════ URGENT — New Requirements insurance.ca.gov /compliance: NEW — Climate risk disclosure rules effective 7/1/2026 /press: "Commissioner announces mandatory wildfire risk reporting" Impact: All property carriers must file climate risk assessments DEADLINE: 90 days — assign compliance team immediately IMPORTANT — Rate Filing Changes floir.com (Florida OIR) /compliance: Updated rate filing templates for Citizens depopulation /blog: New prior approval requirements for roof coverage ACTION: Update rate filing procedures for Florida INFORMATIONAL — No Action Required dfs.ny.gov /press: Annual report published — no new requirements tdi.texas.gov /compliance: Minor form updates — auto-incorporated
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Track Compliance Deadlines
Upcoming Compliance Deadlines
2026-03-15 California climate risk disclosure initial filing
2026-04-01 Florida updated rate filing templates mandatory
2026-04-15 NAIC data call — cybersecurity supplement
2026-06-30 Multi-state privacy regulation compliance

2Market Conduct Intelligence

AI agent monitors market conduct examination results and regulatory actions across the industry — identifying emerging compliance risks and best practices from peer carrier experiences.

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Monitor Industry Regulatory Actions
/press /compliance /legal Change Detection
MARKET CONDUCT INTELLIGENCE — FEBRUARY 2026 ════════════════════════════════════════════════════════ PEER CARRIER ACTIONS — LEARN FROM OTHERS stateinsurerx.com /press: $4.2M fine — unfair claims practices in homeowners Issue: Systematic underpayment of roof damage claims RELEVANCE: Review our roof claims adjustment procedures nationalcarriery.com /compliance: Consent order — rate filing deficiencies Issue: Inadequate actuarial justification in 3 states RELEVANCE: Audit our rate filing documentation TRENDING ENFORCEMENT THEMES: 1. Claims handling speed (12 actions this quarter) 2. Rate filing adequacy (8 actions) 3. Producer licensing (6 actions) 4. Data privacy violations (5 actions, growing trend)

3Producer Licensing Verification

AI agent verifies producer licensing status by cross-referencing agency domains with state DOI databases — ensuring all appointed producers maintain valid licenses and required continuing education.

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Verify Producer License Status
/about /leadership /contact Countries Domain Ages
PRODUCER LICENSE VERIFICATION — 2,400 APPOINTED PRODUCERS ════════════════════════════════════════════════════════ LICENSE ISSUES DETECTED — 18 producers smithinsuranceagency.com — 3 producers /contact: Listed operating in FL, GA, SC, AL License check: Alabama license expired 2026-01-31 ACTION: Suspend AL appointments until renewed primebenefitsgroup.com — 1 producer /about: Claims to operate in 12 states License check: Only licensed in 8 states Operating in 4 states without valid license ACTION: Cease business in unlicensed states immediately VERIFIED — 2,379 producers (99.1%) All licenses current and CE requirements met QUARTERLY SUMMARY: Total verified: 2,400 | Issues: 18 (0.75%) Regulatory risk avoided: 4 potential state actions prevented

4Anti-Fraud Compliance Monitoring

AI agent monitors compliance with state anti-fraud requirements by tracking SIU reporting obligations, fraud reporting deadlines, and NICB submission requirements using regulatory domain intelligence.

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Track Anti-Fraud Compliance
/compliance /legal /press Change Detection
ANTI-FRAUD COMPLIANCE STATUS — ALL 50 STATES ════════════════════════════════════════════════════════ COMPLIANT — 47 states All SIU reports filed on time NICB submissions current Fraud plan filings up to date NON-COMPLIANT — 3 states require action New York: Updated fraud plan format required by 3/1/2026 dfs.ny.gov /compliance: New template published 1/15 STATUS: Draft in progress — on track New Jersey: Annual SIU report overdue by 14 days state.nj.us/dobi /compliance: Deadline was 2/1/2026 STATUS: URGENT — file within 48 hours to avoid penalty Louisiana: New fraud referral reporting requirements ldi.la.gov /press: New electronic reporting mandate STATUS: System upgrade needed by 4/1/2026

5Privacy Regulation Tracking

AI agent monitors evolving data privacy regulations across states — tracking new privacy laws, consent requirements, and data handling obligations that impact insurance operations and customer data management.

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Monitor Privacy Law Changes
/legal /compliance /security Change Detection
PRIVACY REGULATION TRACKER — INSURANCE DATA COMPLIANCE ════════════════════════════════════════════════════════ NEW OBLIGATIONS DETECTED: oag.ca.gov (California AG) /compliance: CPRA enforcement for insurance data — new guidance Impact: Consumer data deletion requests must be processed in 15 days Current process: 45 days — need process acceleration cga.ct.gov (Connecticut) /legal: CT Data Privacy Act applies to insurers effective 7/1/2026 New requirements: Consent for targeted advertising using claims data PRIVACY LAW STATUS MAP: Comprehensive privacy laws: 14 states (was 8 in 2025) Insurance-specific data rules: 23 states NAIC Model Law adoption: 38 states Trend: Accelerating privacy regulation — budget for compliance

6Rate Filing Monitoring

AI agent monitors competitor rate filings and regulatory approval patterns across states — tracking filing approvals, objections, and trends that inform our own rate filing strategy.

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Track Competitor Filings & Approvals
/compliance /press /pricing Change Detection
RATE FILING INTELLIGENCE — FEBRUARY 2026 ════════════════════════════════════════════════════════ COMPETITOR FILING ACTIVITY (from DOI public records + press): California homeowners: Carrier A: Filed +18%, approved at +12% Carrier B: Filed +22%, objection issued by CDI Carrier C: Filed +15%, pending review Our pending filing: +14% — likely within approval range Florida commercial auto: 3 carriers filed increases of 8-15% 2 approved, 1 pending Environment favorable for our +10% filing New York workers comp: NYCIRB recommended -3.2% loss cost decrease Favorable for our experience-rated accounts APPROVAL RATE BY STATE: Fast approval: TX, OH, GA (avg 30 days) Slow/contested: CA, NY, FL (avg 90+ days) Plan filing timelines accordingly

7NAIC Bulletin Monitoring

AI agent monitors NAIC model law developments, bulletin releases, and working group activities — providing early intelligence on national regulatory trends that will eventually become state requirements.

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Track NAIC Activity
/press /compliance /events Change Detection
NAIC MONITORING — FEBRUARY 2026 ════════════════════════════════════════════════════════ naic.org HIGH IMPACT — New Model Laws /compliance: AI/ML Model Governance Act — draft released Requires carriers to document and audit all AI pricing models IMPACT: Significant — our predictive models need documentation Estimated adoption timeline: 15-20 states within 2 years MODERATE IMPACT — Updated Standards /press: Updated cyber insurance data call requirements /events: Spring meeting agenda includes climate risk working group IMPACT: Additional reporting requirements likely WORKING GROUP ACTIVITY: Climate Risk (E) Task Force: Active — new disclosures coming Innovation & Technology (H): AI governance framework Q3 Cybersecurity (H): Updated model law for review

8Surplus Lines Compliance

AI agent monitors surplus lines compliance by verifying eligibility, tracking state-specific requirements, and ensuring proper documentation for non-admitted placements across all operating territories.

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Verify Surplus Lines Eligibility
/products /compliance /about IAB Categories Web Filtering
SURPLUS LINES COMPLIANCE — Q1 2026 AUDIT ════════════════════════════════════════════════════════ DILIGENT SEARCH VERIFICATION: Placements reviewed: 234 | Non-compliant: 8 NON-COMPLIANT PLACEMENTS: 3 placements: Admitted market available (domain analysis shows competitor carriers with matching /products pages for this class) Diligent search documentation insufficient 5 placements: Tax filing discrepancies State surplus lines tax not properly allocated Multi-state allocation errors detected REMEDIATION: 8 placements corrected — revised documentation filed Updated surplus lines procedures distributed No penalties incurred due to proactive identification

9Regulatory Examination Preparation

AI agent prepares for regulatory examinations by analyzing recent examination trends, common findings, and remediation requirements observed across the industry through domain intelligence monitoring.

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Prepare for Upcoming Examinations
/compliance /press /legal Change Detection
EXAM PREPARATION — SCHEDULED MARKET CONDUCT EXAM (NY DFS) ════════════════════════════════════════════════════════ RECENT NY DFS FINDINGS ACROSS INDUSTRY: (from peer carrier /press and /compliance pages) Most common findings (last 12 months): 1. Claims handling timeliness — 78% of exams cited this 2. Rate filing documentation — 52% cited 3. Consumer complaint response — 41% cited 4. Producer licensing oversight — 34% cited SELF-ASSESSMENT RESULTS: Claims timeliness: Compliant — avg 12 days (req: 30) Rate filings: Minor gaps in 3 filings — remediate before exam Complaint response: Compliant — 100% within 15-day window Producer licensing: Compliant — 99.1% verified current READINESS SCORE: 92/100 Action: Remediate 3 rate filing gaps before May exam date

10Compliance Dashboard & Reporting

AI agent generates comprehensive compliance status reports — tracking regulatory changes, filing deadlines, examination readiness, and compliance KPIs across all operating jurisdictions.

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Generate Compliance Status Report
/compliance /legal /press Change Detection

Compliance Intelligence Dashboard — Q1 2026

REGULATORY MONITORING ──────────────────────────────────────── State DOIs monitored: 50 | Changes detected: 34 Action items generated: 12 | Completed: 9 | In progress: 3 FILING STATUS Rate filings: 47/47 current Form filings: 123/123 approved Annual statements: All filed on time PRODUCER COMPLIANCE Producers verified: 2,400 | Issues resolved: 18 License compliance rate: 99.1% EMERGING RISKS AI/ML governance: New model law coming — prepare documentation Climate disclosure: CA requirements by 7/1/2026 Privacy expansion: 6 new state laws by year-end PENALTIES AVOIDED: $8.4M estimated through proactive monitoring
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