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Insurance and Bonds
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A
A.M. Best Worldwide Insurance Directory
www.ambest.com
Industry Resources offers databases, subscription products, reports on ratings and analysis of insurance companies in the United States and worldwide. Contains insurance buying guide for different insurance types, glossary of insurance terms, alphabetical list of insurance associations, links to state insurance departments, adjusters database, calendar of industry meetings and conventions, links to other insurance sites. Ratings and Analysis provides Guide to Best's Insurer Financial Strength Ratings, Guide to Best's Issuer Credit Ratings and Guide to Best's Debt Ratings.
Alabama Department of Insurance
www.aldoi.org
Can search for insurance companies licensed in Alabama by company name; search for agents for service of process for Alabama insurance companies by company name. Contains consumer guides to insurance; online request-for-assistance form; tips; database of worker's compensation loss cost information organized by company and date; property and casualty rate bulletins; enforcement actions since 2003; resources for insurance companies and agents.
Alaska Department of Commerce, Community and Economic Development, Division of Insurance
www.dced.state.ak.us/insurance/
Contains consumer publications, complaint form and instructions; rating examples for different types of insurance; insurance consumer guide; insurance code, regulations and bulletins; and a link to Alaska Comprehensive Health Insurance Association, a nonprofit organization created to provide health insurance to Alaska residents who are unable to find or are denied health insurance.
American Association of Insurance Services
www.aaisonline.com
Includes guidance on mold coverage; reports and articles on personal lines, commercial lines and other topics; downloadable brochures. Offers free online seminar presentations. Viewpoint quarterly provides current and archival (1996-) articles on insurance issues, including construction defects. Includes AAIS Forms Reference Guides by class of insured or insurance line.
American Institute for Chartered Property Casualty Underwriters and Insurance Institute of America
www.aicpcu.org
Describes insurance training classes and certification programs offered; provides discussion forum on insurance issues; industry links.
American Insurance Association
www.aiadc.org
Industry Issues contains mold information, Q&As, "Top Ten Links to Mold Information Resources"; consumer brochure on credit-based insurance scores; documents on terrorism insurance; overview of worker's compensation issues. Bookstore offers for sale boiler and pressure vessel statutes and regulations; General Contractors' Manual; special reports on National Building Code, Fire Prevention Code, worker's compensation. Research contains state insurance industry statistical profiles.
America's Health Insurance Plans
www.ahip.org
Provides links to member health insurance companies; consumer guides; health insurance statistics; overview of industry positions on medical records, high risk pools, personal health records, health care costs, tax incentives, disaster assistance.
Architects/Engineers Professional Network
www.aepronet.org
Provides directory of Certified Professional Liability Insurance Brokers operating in 37 states, with links to downloadable quote request forms. Risk Management Library includes practice notes, practical practice library, Topics of the Day column and archive, guest essays, extensive risk/liability FAQs, "Introduction to Typical Liability and Property Insurance Coverages for Design Professionals." Offers for sale "Risk Management and Contract Guide for Design Professionals."
Arizona Department of Insurance
www.id.state.az.us
Contains searchable database of insurance agents and companies; resources for businesses; auto premium comparison survey; personal lines complaint ratio report; consumer guides to insurance; publications; downloadable consumer complaint and insurance licensing forms; fee schedule; contact information.
Arkansas Insurance Department
www.state.ar.us/insurance/
Consumer Services Division provides complaint filing procedures, directory of licensed companies and an online complaint form. Fraud Investigation Division contains online newsletter. Property and Casualty Division contains premium comparison surveys, earthquake coverage information, and a table of personal auto and homeowner rate filings.
Associated General Contractors of America
www.agc.org
Safety and Risk Management provides guidance for contractors preparing to work under owner-controlled insurance programs (OCIPs); risk management forms. Offers “Guide to Construction Insurance,” risk management and insurance publications for sale. Surety Bonding includes surety bond updates, articles; information about programs; legal highlights.
B
Business Insurance Online Magazine
www.businessinsurance.com/
Subscribers can access current and archived editorials and articles about corporate risk management, employee benefits, managed health care; search business directories of agents, brokers, consultants, other professionals, international insurers, reinsurers; view company listings; access listing details. Stock Ticker provides Business Insurance Index daily market summary; quotes for top 20 market gainers, losers, most active insurance stocks; broker, insurer/reinsurer, HMO company stock quotes. Directory of links lists associations, companies, other resources.
C
California Department of Insurance
www.insurance.ca.gov
Includes database of licensed insurance companies by insurance line/class; premium comparisons; auto insurance information; enforcement actions against insurance companies; insurance company profiles, including complaint data for the latest three years. Can search for insurance broker's license status by name or license number. Provides insurance agent and insurer resources; California Workers' Compensation Insurance Market Overview; insurance company 800 numbers; and claim filing tips.
ChoiceTrust
www.choicetrust.com
Offers free C.L.U.E. (Comprehensive Loss Underwriting Exchange) Personal Property report, which provides a five-year history of losses associated with a person and his personal property. Includes dates, loss type, amount paid, policy number, claim number, insurance company name for each loss. C.L.U.E. Auto report provides a five-year history of auto insurance losses and includes dates, loss type, amount paid, policy number, claim number, insurance company name for each loss. Fee-based products include employment history; tenant history; background checks; Home Seller's Disclosure Report, which provides loss information about a given address.
Colorado Division of Insurance
www.dora.state.co.us/Insurance/
Contains a database of Colorado-approved insurance companies searchable by company name, company type and insurance sold; database of licensed insurance agents searchable by license number, name, city, company name or type of insurance sold; information on filing a complaint, online complaint form and complaint statistics; enforcement actions. Provides insurance premium comparison guides for auto and homeowner's insurance; publications on worker's compensation insurance, small group insurance and employer's liability insurance; info sheet on repair/improvement projects that do not require building permits; consumer tips and alerts; and insurance regulations and bulletins.
Colorado Office of Risk Management
www.colorado.gov/dpa/dhr/risk/insurance.htm
Provides information, forms and publications about insurance coverage for the state's buildings and contents, boilers and machinery and about builder's risk coverage for private companies working on state construction projects.
ConfirmNet.com
www.confirmnet.com
CertificatesNow creates and manages certificates of insurance online and distributes them by e-mail, fax or U.S. mail. Certificates can be created individually or as part of an expedited batch renewal process. Agents and brokers can create certificates for their insureds or grant them self-service access to select recipients for certificates and delivery method while retaining full control of the policy data on the certificate. TrackCertsNow offers online certificate tracking and management for receivers of insurance certificates. Provides step-by-step user guides.
Connecticut Insurance Department
www.ct.gov/cid/site/default.asp
Contains downloadable "Comparison of Managed Care Organizations in Connecticut" and other consumer guides; lists licensed companies, approved reinsurers and surplus lines insurers. Provides automobile premium data by town; complaint information and forms; personal lines and property and casualty information; fraud information and forms; insurance licensing resources; regulations; accident and health insurer rankings.
ConstructionRisk.com
www.constructionrisk.com
Risk management and professional liability online resource that includes directories of risk management and related professionals; articles; links to risk management, insurance, environmental risk and other resources.
D
Delaware Department of Insurance
www.delawareinsurance.gov
Contains consumer insurance guides, forms and bulletins; statutes and regulations; online complaint form with instructions; information about small employer health insurance with a list of insurance companies. Gives information about the Delaware Employers' Workplace Health and Safety Incentive Program under which employers can earn discounts on worker's compensation insurance by providing a safe workplace.
Demotech, Inc.
www.demotech.com
Provides Financial Stability Rating for property and casualty insurers and title insurance underwriters, organized alphabetically by company name; includes admitted assets, policyholder surplus, net premiums written, direct premiums written and number of licenses.
Department of the Treasury Financial Management Service
fms.treas.gov/c570/index.html
Contains listing of Treasury-approved sureties and reinsurers for federal bonds. Also links to texts of laws and regulations pertaining to sureties and surety bonds, procedures to file complaints about surety companies surety bond forms and other resources.
District of Columbia Department of Insurance, Securities and Banking
disb.dc.gov/disr/site/default.asp
Provides consumer information; complaint form; information on insurance rates; laws and regulations; online look-up of insurance companies; forms.
E
Emergency Response and Disaster Recovery Resource Center
www.p1m.com
Provides "Loss Recovery Guide with Standards." Contains guide to emergency services, mitigation, recovery and restoration; information on responding to fire, smoke, water, storm damage. Includes resources on hurricanes, earthquakes, tornadoes, lightning, storms; weather, seismic updates. Provides disaster recovery information, forms, contracts; estimating and project management tools; glossary, acronyms, abbreviations; supply chain advice; directory of damage recovery firms, including for art, antiques, documents, and equipment suppliers; disaster mitigation links.
F
Factory Mutual
www.fmglobal.com
Provides schedule of loss prevention seminars worldwide. FM Approvals contains downloadable approval standards. Resource Catalog offers Property Loss Prevention Data Sheets for sale, including Specialist CDs for Architects and Engineers, Sprinkler Contractors; offers pocket guides and other technical products on boilers and fire protection equipment; human factor risks; natural hazards. Equipment Hazards provides product certification and testing information; offers Approval Guide for sale.
Federal Emergency Management Agency
www.fema.gov
National Flood Insurance Program provides Adjuster Claims Manual, claims forms, condominium insurance information and forms, Flood Insurance Manual, lists of companies providing flood insurance rating software, flood insurance statistics and Flood Insurance Library.
Fitch Ratings
www.fitchratings.com
Insurance Ratings Group provides claims-paying ability and debt ratings for more than 600 life, health, property, casualty, title, bond and mortgage insurers. Access to the ratings and analysis requires free registration.
Florida Department of Financial Services
www.fldfs.com
Consumer Service contains Small Business Owners' Insurance Consumers' Guide; auto and other insurance guides; directory of insurance agents, representatives and adjusters searchable by name or license number; company directory searchable by company name, type or line of business; insurance company complaint ratios by line of insurance and year; list of small market carriers; auto insurance rates; consumer alerts; disaster/storm information; and insurance rules and statutes.
G
Georgia Insurance and Safety Fire Commissioner
www.gainsurance.org
Contains statutes and regulations, Business Guide to Insurance, forms, consumer brochures, online complaint form, "HMO Complaint Comparison," auto rate comparison sheets, worker's compensation information, and resources for insurance agents and companies. Visitors can verify insurance agent's license status by name or license number.
Glossary of Risk Management and Insurance Terms
www.haskayne.ucalgary.ca/
programs/undergrad/bcomm/
rmin/glossary/glossary.html
Contains alphabetical list of risk management and insurance coverage terms with definitions.
H
Hartford, Business Insurance Center
mb.thehartford.com/view_industry/
Solutions by Industry contains technical information papers on risk management and loss prevention for architects, contractors, designers, engineers and other industries.
Hawaii Department of Commerce and Consumer Affairs, Insurance Division
www.hawaii.gov/dcca/areas/ins/
Contains motor vehicle premium comparison; consumer information; customer complaint form and ratios; information and forms for insurance agents and companies. Can search insurance license database by licensee name or license number; links to administrative rules; instructions on accessing information about Hawaii Hurricane Relief Fund, an agency that provides property insurance for losses resulting from declared hurricanes.
Health Insurance Association of America
www.hiaa.org
Consumer Information includes employer guides to different kinds of insurance, insurance guide for business owners, glossary of insurance terms and insurance company directories by type of insurance.
I
Idaho Department of Insurance
www.doi.state.id.us
Contains consumer information and complaint form; insurance agent and company information; small employer health insurance and reinsurance program information; health insurance shopping guide.
Illinois Department of Insurance
www.ins.state.il.us
Contains Auto Premium Comparison Guide, auto claim filing guidelines and other auto insurance resources; complaint filing guidelines and statistics; insurance fraud fact sheet; small employer health insurance fact sheets, HMO fact sheets and reports; other health insurance information; life insurance information; and insurance industry publications and resources.
Independent Insurance Agents and Brokers of America
www.iiaa.com
Can search member directory by agency name and location; provides consumer surveys and issue-specific guides; legal resources and articles; industry links.
Indiana Department of Insurance
www.state.in.us/idoi/
Contains insurance-related public notices, administrative rules and bulletins; consumer information for auto, health, life and home insurance; complaint form and instructions; complaint ratio statistics; small group employer health insurance information; list of enforcement actions organized alphabetically by insurance company or agent name; insurance company information and forms.
Institute for Business and Home Safety
www.ibhs.org
Information center sponsored by the insurance industry to reduce human and property loss caused by natural disasters. Contains extensive collection of publications, videos and other resources available on loan to members and the general public. Subject areas include insurance and natural disasters, business interruption, retrofitting structures, building codes and emergency management. Some materials are loaned for a fee, some are free and many can be downloaded. Includes membership roster.
Insurance and Planning Resource Center
www.coverageglossary.com
Personal Insurance Guide provides overviews of different kinds of life/health and property/casualty insurance policies. Includes glossary of insurance terms; forms library; overview of business insurance types; overview of health benefit plans, life insurance, long-term insurance; links to business tools and resources.
Insurance Industry Internet Network
www.iiin.com
Directory of insurance agents and brokers providing life, health, property and casualty insurance can be searched by type of insurance sold or by the seller's geographic scope. Directory of insurance companies and directory of corporate counsel can be searched by type of insurance underwritten (health, life, property and casualty, title). Provides links to insurance news sites and periodicals; organizations and associations; claims, actuarial, rating service providers; education providers; state regulatory agencies.
Insurance Information Institute
www.iii.org
Provides tips and FAQs on home, auto, business, fire, accident, other kinds of insurance; directory of insurance companies, state insurance agencies, related organizations and resources; glossary; overview of insurance topics; annual and semiannual insurance industry forecasts and financial reports since 1999 nationwide, by state or by issue; statistical data organized by insurance type; studies.
Insurance Services Network
www.isn-inc.com
Provides tips and FAQs on home, auto, business, fire, accident, other kinds of insurance; directory of insurance companies, state insurance agencies, related organizations and resources; glossary; overview of insurance topics; annual and semiannual insurance industry forecasts and financial reports since 1999 nationwide, by state or by issue; statistical data organized by insurance type; studies.
Insurance Services Office
www.iso.com
Supplies statistical, actuarial, underwriting information for and about the property/casualty insurance industry. Contains products catalog arranged by discipline. Retrieves detailed product descriptions. Studies and analyses contains summaries of recent research studies on industry issues. Can request additional information about products or order online. Links for Insurance Research contains links to actuarial, advisory, agent and broker, claims, education, research, risk management, safety and loss prevention, worker's compensation, other organizations; federal government agencies; international links.
Insurance Web
www.insweb.com
Resource center for information about insurance and quotes. Can shop for insurance and compare quotes from different insurance companies. Types of insurance available are auto, home, renters, life and health. Registered users can enter personal information, get quotes specific to their profile and compare quotes across different insurance providers; personal information can be stored and retrieved for updated quotes. Contains informational articles, special reports and Q&A section arranged by type of insurance.
Insure.com
www.insure.com
Insurance industry portal. Consumer Insurance Guide is searchable by type of insurance, state or financial strength rating. Search retrieves company address, Standard & Poor's financial strength rating, other information; for some companies, free Standard & Poor's reports are available. Lawsuit Library contains current and archival information about lawsuits against insurance companies. Contains information, tips, guides, FAQs on different insurance types; insurance calculators. Small Business page provides guides and interactive tools for small group medical, worker's compensation and liability insurance, including instant quotes. State Information includes state-specific industry news and contact information; links to state insurance departments, related offices, authorities. Interactive Tools includes Worker's Compensation Insurance Law Tool, which looks up benefits by state that must be paid to permanently or temporarily injured workers and provides summaries of worker's compensation laws in each state; car insurance and life insurance tools. Travel includes insurance tips for international travelers and expatriates.
Insure U for Small Business
www.insureuonline.org/smallbusiness/
Site developed by the National Association of Insurance Commissioners. Offers overviews; tips; links for business liability and property, worker’s compensation, commercial auto, group health, disability, life insurance.
International Credit Insurance and Surety Association
www.icisa.org
Worldwide member directory can be searched by country or service type (credit insurance, reinsurance, surety) to return member listings, with contacts, key executive names, company overview, lines of insurance. Includes industry news.
International Risk Management Institute
www.irmi.com
Expert Commentary contains articles on insurance, risk management, insurance law, legal trends and suretyship specific to construction, design and engineering. IRMI Insights contains reports on liability, property, professional and construction risk insurance and on worker's compensation issues. Contains directory of risk management, insurance and related professionals. Provides a primer on insurance company financial ratings and comparisons of ratings distributions by rating agency. Can sign up to receive free semi-monthly electronic newsletter. Provides information about annual Construction Risk Conference and archive of handouts of speaker presentations since 1998.
Iowa Department of Commerce, Insurance Division
www.iid.state.ia.us
Provides online and downloadable complaint forms and complaint instructions; databases of insurance agents and licensed companies; administrative actions taken against agents or companies since 1998; complaint ratios by type of insurance; online Commissioner's Law and Regulatory Bulletins back to 1996; and insurance industry resources. Financial Regulation Bureau alphabetically lists insurance companies that are licensed to do business in Iowa and Iowa-domiciled companies.
K
Kansas Insurance Department
www.ksinsurance.org
Contains insurance regulations; auto insurance publications, complaint ratios and rate comparisons; health insurance guides, complaint ratios and list of companies approved for Medical Savings Account program; life insurance publications and complaint ratios; and consumer complaint form. Provides insurance information for small business owners. Insurance company database can be searched by full or partial name or NAIC number to find address(es) and company information.
Kentucky Office of Insurance
doi.ppr.ky.gov/kentucky/
Can search agent and company records by name or number; check for disciplinary actions; use cross-reference table to find new license numbers. Provides access to division bulletins, advisory opinions, documents and forms; links to full text of Kentucky insurance statutes and regulations. Contains complaint form; consumer publications; complaint ratio search; and links to independent financial ratings information.
L
Lloyd's
www.lloyds.com/index.asp
Provides glossary; Lloyd's catastrophe and risk codes; bulletins and publications; directories of brokers, members, managing agents.
Louisiana Department of Insurance
www.ldi.state.la.us
Contains insurance-related legal information; complaint forms and instructions; consumer guides and publications; fraud information and online reporting form; worker's compensation guidelines; resources for insurance agents and companies. Can search agent and company license database by name. Contains database of contact information for life insurance companies that have policies in force in Louisiana; immediate family members of a deceased person may file an online request for policy search on policies purchased in Louisiana.
M
Maine Bureau of Insurance
www.state.me.us/pfr/ins/ins_index.htm
"An Employer's Guide to Workers' Compensation Insurance in Maine" is available online. Contains complaint guides and forms; insurance FAQs; insurance company complaint ratios by year and insurance type; list of companies, with approved worker's compensation rates; and insurance statutes and regulations.
Maryland Insurance Administration
www.mdinsurance.state.md.us/
Contains consumer guides and publications; HMO listings and comparisons; Health Insurance for Small Businesses Rate Comparison Guide; Comparison Guide for State Auto Insurance Rates; complaint filing instructions; insurance fraud information; Public Information Act request guide; glossary of insurance terms; resources for insurance agents and companies.
Massachusetts Division of Insurance
www.mass.gov/doi/
Includes consumer information guides; auto insurance resources; list of HMOs licensed in the state; homeowner, life and health insurance resources; worker's compensation employer and employee Q&As; complaint filing information; resources for insurance agents and companies; insurance bulletins.
Michigan Office of Financial and Insurance Services, Insurance Division
www.michigan.gov/cis/0,1607,7-154-10555---,00.html
Provides complaint form; statistics; guides; HMO complaint information; auto insurance resources; consumer insurance guides; quarterly disciplinary action reports; lists of auto insurers, worker's compensation insurers and surety companies; insurance statutes and regulations; and resources for insurance agents and companies. Contains surety information; Auto Insurance Fire Loss enrollment requirements; property and liability review standards checklist for boiler/machinery, commercial, professional liability, worker's compensation and other kinds of insurance; information on Small Employer Group Health Coverage Act.
Minnesota Department of Commerce, Insurance Division
www.state.mn.us/cgi-bin/portal/
mn/jsp/content.do?subchannel=
-536881551&id=-536881351&agency=Commerce
Contains summary financial information about insurers; enforcement and complaint filing information; enforcement action list; Minnesota Comprehensive Health Association rates; insurance bulletins; list of insurance boards and commissions; consumer tips on auto and health insurance; motor vehicle insurance and self-insurance information; resources for insurance agents and companies; list of insurance publications available from the Minnesota State Bookstore.
Mississippi Department of Insurance
www.doi.state.ms.us
Consumer Information includes articles and guides by type of insurance;
auto insurance information; health insurance shopper's guide;
insurance consumer services guide; hurricane checklist; HMO list;
complaint form and reporting instructions; bulletins; and regulations.
Industry Information lists domestic companies, surplus companies,
suspended companies by year of action; links to rating services
and other industry resources.
Missouri Department of Insurance
insurance.mo.gov
Can search all insurers licensed to do business in Missouri by company type, name and status; links to statutes and regulations. Includes HMO directory and complaint rates; insurance bulletins; consumer guides; auto rate guides; publications; information on regulatory actions against insurance agents and companies back to 1997; consumer complaint index and online form; financial ratings of Missouri insurance companies from A.M. Best (requires registration) and Standard and Poor's. Workers' Compensation information includes FAQs, rates, self-insured rates, online rate comparisons, certified MCO list, and information about Contractors Credit Premium Adjustment Program.
Montana State Auditor's Office, Insurance Division
sao.state.mt.us/insurance/index.asp
Contains consumer complaint form; suspected fraud claim form; list of insurers and reinsurers licensed in the state; resources for insurance agents and companies.
Moody's Investors Service
www.moodys.com
Provides credit rating and research information about global life, property and casualty, mortgage and title insurers, reinsurers and financial guarantors. Information is provided about financial strength ratings, industry debt ratings, insurance credit opinions and rating actions. Registered users can access ratings list, ratings actions for U.S. and international insurance companies, special comments, rating methodologies, market implied ratings, watchlist and rating definitions.
N
National Association of Independent Insurance Adjusters
www.naiia.com
Provides directory of member companies by name, location.
National Association of Independent Insurance Auditors and Engineers
www.naiiae.com
Lists member companies by state.
National Association of Insurance Commissioners
www.naic.org/
Association of state insurance regulators. Provides industry news and releases, model laws and regulations, information on Internet filing system, and directory of insurance regulators. Consumer resources include alerts; fact sheets; publications; database of insurance company information searchable by company name, state and business type that includes closed complaints against the company, the states in which the company is doing business and company financial information.
National Association of Mutual Insurance Companies
www.namic.org
Contains annual survey of new insurance laws organized by topic or by state; updates and overviews of state and federal legislative and regulatory developments.
National Association of Surety Bond Producers
www.nasbp.org
Lists member bonding agencies, which assist contractors in finding bonding companies, by location.
National Flood Insurance Program
www.floodsmart.gov
Flood resources include online flood risk look-up by address, flood statistics and article library. Insurance resources include online premium estimate, claim filing guidelines, insurance policy overviews and agent directory.
National Ground Water Association
www.ngwa.org
Provides information about insurance programs offering coverage for contractors and professionals in the ground water industry.
National Insurance Crime Bureau
www.nicb.org
Not-for-profit organization supported by nearly 1,000 property/casualty insurance companies that partners with insurers and law enforcement agencies to facilitate identification, detection and prosecution of insurance crimes. Lists members; offers theft and fraud awareness brochures, posters. Flood Vehicle Database provides database of vehicles and watercraft affected by Hurricanes Katrina, Rita and Wilma searchable by VIN. Can order annual Vehicle Identification Manual, which contains vehicle identification number (VIN) structure and decoding from the last three model years for most U.S. and Canadian passenger vehicles, including light duty trucks and motorcycles; and Commercial Vehicle and Off-Road Equipment Identification Manual, published every five years that contains vehicle identification number (VIN) structure for commercial vehicles and product identification number (PIN) structure for off-road equipment from the last five model years.
National Lumber and Building Material Dealers Association
www.dealer.org
Risk Management contains latest and archival issues of Risk Management newsletter; documents and links on mold, moisture in lumber.
National Title Insurance Information
www.ntiweb.com
Registered users can access a state-by-state informational database of policy forms, endorsements, state forms, document execution requirements and acknowledgements. The database contains state-by-state recording data and summaries, UCC filing data, collateral charts, filing facts, UCC statutes by state, mortgage tax and transfer tax information, real estate laws, customs, fund disbursement requirements and title digests. Also provides title insurance glossary and articles.
Nebraska Department of Insurance
www.nol.org/home/NDOI/
Includes Auto Rate Guide; database of information on licensed insurance companies; consumer brochures and complaint forms; health insurance information, rules and regulations; insurance bulletins; and resources for insurance agents and companies.
Nevada Division of Insurance
www.doi.state.nv.us
Provides complaint instructions and online form; consumer guides to health and auto insurance; auto body survey; insurance forms; worker's compensation insurer information and self-insured company list; Consumer Health Assistance forms and resources; statutes and regulations; and resources for insurance agents and companies.
New Hampshire Insurance Department
webster.state.nh.us/insurance/
Official list of insurance companies licensed in New Hampshire can be searched alphabetically and includes notes on exclusions and restrictions. Links to Standard & Poor's Ratings List and Financial Strength Ratings and Best's Ratings. Includes consumer guides to insurance, consumer complaint form, and statutes and regulations.
New Jersey Department of Banking and Insurance
www.state.nj.us/dobi/index.shtml
Contains claims information; consumer insurance guides; licensed auto insurance company listings; auto insurance complaint ratios; auto insurance telephone number listings; auto tier ratings; insurance glossary; consumer complaint form; insurance agent and company resources. Small Employer Health Insurance resources include Buyer's Guide, rates, program documents, applications and bulletins.
New Mexico Public Regulation Commission
www.nmprc.state.nm.us
Insurance Division provides insurance forms, consumer complaint form, rules and bulletins. Can view guidelines on making inquiries regarding insurance companies.
New York Insurance Department
www.ins.state.ny.us
Resources for health, auto and homeowner's insurance include premium rates, guides, company directories, "how to's," selected forms. Lists publications available for download or order. Posts releases of disciplinary actions brought against companies, agents, brokers and adjusters. Includes small business property, casualty and health insurance guides.
North Carolina Department of Insurance
www.ncdoi.com
Provides consumer insurance guides, publications and FAQs; auto rate calculator and complaint ratios; HMO complaint ratios; online complaint form; rules and regulations; and resources for the insurance industry. Can research status of North Carolina-licensed insurance companies and Standard and Poor's ratings of insurers.
North Dakota Department of Insurance
www.state.nd.us/ndins/
Contains guides and FAQs about insurance; auto insurance cost comparison survey; consumer complaint form and filing instructions; flood insurance information; list of HMOs and individual, small employer group and large group health insurance providers; insurance dispute information; publications; resources for insurance agents and companies; State Fire and Tornado Fund forms. Provides information about boiler inspections, Petroleum Tank Release Compensation Fund. Forms includes boiler inspection report; building application form; petroleum tank registration form.
O
Ohio Department of Insurance
www.ohioinsurance.gov
Lists insurance companies authorized to do business in Ohio; can search by company name or view insurers listed by type of insurance. Includes consumer brochures and FAQs; guides to insurance; online public records request form, complaint form and complaint status checkup; sample company premiums and complaint ratios. Provides resources for insurance agents and companies.
Oklahoma Department of Insurance
www.oid.state.ok.us
Provides complaint information and forms; listings of licensed insurance companies, excess and surplus companies, HMOs, reinsurers and other companies; market share reports; FAQs by type of insurance. Includes life, health, property and casualty insurance information, forms, checklists; tornado recovery information packet; title insurance forms and FAQs; resources for insurance agents and companies; list of brochures available for order online; statutes, rules, legal notices.
Oregon Insurance Division, Department of Consumer and Business Services
www.cbs.state.or.us/external/ins/
Provides consumer insurance guides and FAQs; complaint process overview, forms and statistics. Includes insurance company directory; enforcement orders; worker's compensation orders; rates; forms; publications; statutes and regulations; resources for insurance agents and companies.
Oregon Small Business Ombudsman for Workers' Compensation
www.cbs.state.or.us/sbo/
Provides information about how to buy workers' compensation insurance, including short list of carriers and their minimum premiums. Lists upcoming events and workshops. Workers' Compensation informational brochures can be downloaded.
P
Pennsylvania Insurance Department
www.ins.state.pa.us/ins/site/default.asp
Provides an online form to request Insurance Department publications; online form to submit insurance complaint; consumer guides to insurance; auto and homeowner insurance premium comparison charts; alphabetical list of insurance companies licensed in the state; monthly list of enforcement actions; laws and regulations; resources for insurance agents and companies.
Public Entity Risk Institute
www.riskinstitute.org
Includes publications, tools, resources on risk management, disaster management, environmental liability. Clearinghouse and Library include links and articles on risk financing, risk management, insurance, safety and health, workers' compensation, occupational safety.
R
Risk and Insurance Management Society, Inc.
www.rims.org
Contains full text of current and archival articles from Risk Management magazine; risk management glossary; risk management publications for sale; Buyers Guide directory; and downloadable Quality Improvement Process summary and performance expectations guidelines. Registered users can download benchmark survey.
Rhode Island Department of Business Regulation
www.dbr.state.ri.us
Insurance Division contains rules and regulations; resources for insurance agents and companies; forms and publications.
S
Self-Insurance Institute of America
www.siia.org
Provides overview of self-insurance group health plans, worker's compensation programs, stop-loss insurance; lists self-insurance service providers.
Small Business Administration
www.sbaonline.sba.gov
Provides business financing information, such as loans and surety bonding (the SBA can guarantee bid, performance and payment bonds for contracts up to $2 million for small businesses that cannot obtain bonds through regular commercial channels). Can download Small Business Insurance and Risk Management Guide. Office of Surety Guarantees provides information for small businesses and surety companies, surety bond forms and area office contacts.
South Carolina Department of Insurance
https://www.doi.sc.gov/
Contains auto, health, life and homeowners' insurance FAQs; consumer guides and tips; complaint form; insurance bulletins; links to insurance statutes and regulations; insurance glossary. Lists insurers with revoked licenses since 1987; insurers under suspension; and companies that market health insurance to small employers.
South Dakota Division of Insurance
www.state.sd.us/drr2/reg/insurance/
Contains guides and FAQs for insurance; complaint-filing instructions. Insurance company information includes a list of companies licensed in the state, with addresses and phone numbers, premium and losses paid in the previous two years, and market share reports organized by line of insurance. Lists insurers offering discount medical plans.
Standard and Poor's Ratings Services
www.standardandpoors.com
Offers credit rating and risk solution products. Users can search ratings by company name, sector or business line; view ratings policies. Under Credit Rating, "Insurance" sector and "Bond Insurance" business lines provide credit rating news and analysis; credit rating lists; selected profiles. Some content is available only to registered users.
State Farm, Loss Control Business Guide
www.statefarm.com/consumer/losscntl.htm
Provides guide to business loss control, including information on prevention of injury, fire, water damage, crime; security; employee safety; incident investigation; hazard prevention checklist.
Surety 2000 Bid Bond Manager
www.surety2000.com
Web-based tool for executing and viewing approved bid bonds. Surety companies can track and monitor surety bonds; surety agents can issue bonds, and owners/obligees can receive surety bonds electronically.
Surety and Fidelity Association of America
www.surety.org
Provides information about suretyship, fidelity, surety companies; surety law primer; links to member companies' Web sites; model bond authenticity inquiry form; obligee’s guide; standard financial institution bond forms; list of statistical reports and manuals available for sale; information about Model Contractor Development and Minority Surety Professional Development programs; links to local surety associations.
Surety Information Office
www.sio.org
Provides online articles; FAQs; presentations; and catalog of free surety information brochures for contractors, subcontractors, private owners and developers, public agencies, design professionals, bankers, surety industry and the general public. Visitors can request publications online and view selected ones. Access Surety Professionals contains listings of local surety associations and contact information.
T
Tennessee Department of Commerce and Insurance, Insurance Division
www.state.tn.us/commerce/insurance/index.html
Contains online consumer guides to choosing an insurance company; toll-free Consumer Insurance Services phone number to verify if an insurance company is permitted to do business in Tennessee; consumer complaint form; list of disciplinary actions against insurance agents and insurance companies; licensed agent database; HMO statistics; insurance bulletins.
Texas Department of Insurance
www.tdi.state.tx.us
Provides Commercial Property Insurance Guide; Small Employer Insurance rates and guide; insurance agent database; company profiles and complaint ratios by line of insurance; insurance glossary; consumer publications; disciplinary actions searchable by month. Links to full text of insurance statutes and regulations. Includes rate guides for auto, worker's compensation and other insurance organized by county; forms. Lists admitted carriers for professional liability insurance for architects and engineers. Mold Resource page includes mold reports, consumer brochures, news releases and statements by the commissioner.
Texas Department of Insurance, Windstorm Inspection Program
www.tdi.state.tx.us/wind/index.html
Implements inspection requirements that must be met for structures to be considered insurable property for windstorm and hail insurance through the Texas Windstorm Insurance Association. Provides post-disaster repair guides; list of inspection field offices; map of designated catastrophe areas. Links to Texas Revisions to the International Residential Code and International Building Code. Includes Product Evaluation Index of products evaluated by the department for use in designated catastrophe areas along the Texas Gulf Coast, organized by Construction Specifications Institute categories; submittal requirements; asphalt shingle product information. Provides code, compliance, inspection forms; information about engineering and inspection services; overview of the inspection process and appointment of Texas-licensed engineers as qualified windstorm inspectors; list of appointed engineers; engineering courses, online presentations, seminars, technical packages.
TheStreet.com (formerly Weiss Ratings)
www.weissratings.com
Provides quarterly ratings of the financial strength of more than 13,000 institutions, including life, health, property and casualty insurers; annuity issuers; HMOs and Blue Cross/Blue Shield plans; banks, savings and loan associations, brokerage firms, and mutual funds. Ratings and analyses are available for a fee. Provides ratings definitions. Lists strongest and weakest annuity, auto, business, health, HMO, homeowner, life and long-term care insurers, with Weiss Safety Rating codes. Can view news releases by type of insurance company.
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www.UltimateInsuranceLinks.com
www.ultimateinsurancelinks.com
Contains extensive lists of U.S. and international property/casualty carriers and life/health carriers, with comments on types of products, regions of coverage and company information. Lists MGAs, excess and surplus lines brokers, and other wholesalers; vendors; organizations; publishers and publications; and property and casualty agents and agencies.
Utah Insurance Department
www.insurance.state.ut.us
Consumer Services includes online complaint forms and guide; auto and homeowners' premium comparison tables; insurance glossary; earthquake and flood insurance information; procedures for submitting property and casualty, worker's compensation and title insurance filings; business insurance information; and statutes, rules and bulletins. Contains directories of licensed insurers, HMOs, small group and individual health insurers, and other types of insurance companies.
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Vermont Department of Banking, Insurance, Securities and Health Care Administration, Insurance Division
www.bishca.state.vt.us/InsurDiv/insur_index.htm
Links to full text of Vermont insurance regulations, bulletins and recently enacted laws; online version of "Workers' Compensation Insurance: A Guide for Vermont Business Owners;" complaint forms can be downloaded; consumer insurance guides.
Virginia Bureau of Insurance
www.state.va.us/scc/division/boi/
Contains Virginia Commercial Insurance Guide and other insurance guides; information on filing a complaint against an insurance company and forms; insurance statutes and regulations; directory of insurance companies and related companies regulated by the bureau.
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Washington Insurance Commissioner
www.insurance.wa.gov
Contains consumer guides to insurance; online consumer complaint forms; insurance information for small businesses; publications; list of authorized insurance carriers; resources for insurance agents and companies; statutes and regulations; earthquake and flood insurance information.
Washington Pollution Liability Insurance Agency
www.plia.wa.gov
Offers pollution liability insurance to owners and operators of regulated petroleum underground storage tanks, heating oil tanks. Provides information about commercial UST reinsurance program.
West Virginia Insurance Commission
www.wvinsurance.gov
Contains consumer complaint forms; auto insurance FAQs, glossary, sample rates; homeowner insurance information; health insurance FAQs; information on HMO grievances, appeals, subscriber rights; flood insurance information; listings of domestic insurance companies and licensed insurance companies; information about West Virginia Small Business Plan for uninsured small businesses. Workers’ Compensation provides forms; self-insurance resources; information about Office of Judges and Board of Review.
Wisconsin Office of the Commissioner of Insurance
www.oci.wi.gov
Provides searchable database of all insurers licensed in Wisconsin and all registered agents for insurance companies. Consumer resources include complaint and other forms; auto and health insurance FAQs and guides; HMO information; statutes, rules and bulletins. Provides Consumer's Guides to Commercial Liability Insurance, Insurance for Small Business Owners and Worker's Compensation Insurance for Employers.
Wyoming Insurance Department
insurance.state.wy.us
Includes complaint form and statistics; auto and health insurance guides; database of insurance agents and companies.
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XL Capital, Design Professional
www.xldp.com
Under Architects and Engineers, Loss Prevention Library contains Top ADR Effectiveness List and extensive list of articles on risks, claims, compliance, sureties, other issues specific to architecture and engineering.
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