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US Regulation guides
Admitted vs non-admitted insurers: what the difference meansAdmitted insurers are licensed in your state and backed by its guaranty fund. Non-admitted (surplus lines) insurers are not. What that changes for your policy.AI regulation in insurance: the NAIC bulletin and state rulesWhat the NAIC's 2023 AI model bulletin, Colorado SB21-169 and its regulation, and the EU AI Act require of insurers, and what a business buyer should expect.Are fines, penalties and punitive damages insurable?When insurance can pay fines, penalties and punitive damages: the public policy rule, how states split on punitive damages, and the policy wording to check.Association health plans and MEWAs: what small employers need to knowHow association health plans and multiple employer welfare arrangements work after DOL rescinded the 2018 AHP rule, the Form M-1 duty, and how to vet one.California's commercial property and wildfire marketCalifornia commercial property after the 2025 LA fires: FAIR Plan limits to $20 million, surplus lines, wildfire discounts and the 2026 nonrenewal moratorium.Policy cancellation and nonrenewal: notice periods and your rightsHow insurers cancel or nonrenew commercial policies, the ISO 10-day and 30-day notice baseline, and how New York, Florida and Texas rules change it.Commercial rate filing: prior approval, file-and-use and deregulationHow states regulate commercial rates and forms: prior approval, file-and-use, use-and-file, flex rating, large-risk exemptions, and how SERFF works.How to complain to your state insurance departmentWhen a regulator complaint helps a business policyholder, how to file one, what the department can and cannot do, and how it fits with deadlines.Contractor license insurance and bond requirements by stateWhat each state's contractor license requires in liability insurance, workers' comp proof and bonds, for all 50 states and DC, from the agencies' own rules.Excess and surplus lines insurance explainedWhat E&S insurance is, why risks go to non-admitted insurers, what you give up in guaranty fund protection, and how surplus lines taxes and filings work.FAIR Plans and residual markets for commercial propertyWhat FAIR Plans and state insurers of last resort cover for businesses, their limits and gaps, California's 2025 commercial expansion, and how to use one.The Federal Insurance Office and federal reachWhat Treasury's Federal Insurance Office does and does not do: monitoring, covered agreements, TRIA support, reports, and where federal law touches insurance.Florida's commercial property insurance marketHow Florida commercial property is placed in 2026: separate wind layers, Citizens' commercial accounts, the 2022 reforms, FHCF reach and cheaper reinsurance.FMCSA insurance requirements and filings for motor carriersFMCSA sets minimum liability limits for for-hire and hazmat carriers, proved by an MCS-90 and insurer filings. Limits, forms, cancellation rules, penalties.How business insurance is regulated in the U.S.States regulate business insurance under McCarran-Ferguson, the NAIC coordinates, and Congress reaches in through narrow laws. Who does what, in plain terms.How the property-casualty insurance industry worksHow property-casualty insurers, brokers, reinsurers and regulators fit together, how premium becomes claims payments and profit, and why prices swing in cycles.When your insurer is sold or merges: what happens to your policyWhat an insurer merger or sale means for your business policy: coverage stays in force, but renewal terms, claims handling, service and your broker can change.Intrastate trucking insurance requirements by stateLiability minimums, Part 387 adoption, Form E/H filings, regulators and USDOT number rules for in-state for-hire truckers in all 50 states and DC.Is business insurance required by law?No single law requires business insurance, but states require workers' comp and auto liability, and leases, lenders and contracts add more. What applies where.The MCS-90 endorsement explained: what it guarantees and what it doesn'tThe MCS-90 guarantees an injured member of the public can collect a judgment from the trucker's insurer, which can then bill the trucker back. How it works.Monopolistic state funds: workers' comp in ND, OH, WA and WYHow workers' comp works in the four states where private insurers cannot sell it: the mandate, self-insurance rules, premiums and the separate stop gap need.NFIP reauthorization and what it means for business flood coverThe NFIP is authorized through Dec. 11, 2026. What a lapse means for commercial flood policies, loans and closings, and how business owners can plan.Risk-based capital: how regulators measure insurer strengthHow NAIC risk-based capital works for property/casualty insurers: the formula, the action levels from 300% down to 70%, and why an RBC ratio is not a rating.Risk retention groups (RRGs): how they work and what to checkA risk retention group is a member-owned liability insurer formed under a 1986 federal law. How it works, what it can write, and the guaranty fund gap to weigh.The SEC's cyber incident disclosure rulesPublic companies must file Form 8-K Item 1.05 within four business days of finding a cyber incident material. The rule, its 2026 status and insurance links.State insurance departments and what they can do for businessesWhat your state insurance department regulates, what it can and cannot do about a claim dispute, and how to use it as a business policyholder.Surplus lines taxes, stamping fees and diligent searchHow surplus lines premium tax, stamping fees and diligent search work under the NRRA, with 2026 rates for several states and a worked example of the invoice.Terrorism insurance and TRIA: how the federal backstop worksTRIA requires insurers to offer terrorism cover and shares losses after a certified attack. How it works, what it costs, and what to decide at renewal in 2026.Texas nonsubscribers: opting out of workers' compTexas lets most private employers go without workers' comp. What nonsubscribers must file, which defenses they lose in a lawsuit and what TDI data shows.The NAIC: what it does and why it mattersThe NAIC is the standard-setting body of state insurance regulators: it writes model laws, accredits state solvency oversight, runs SERFF and shares data.Third-party litigation funding and liability insuranceOutside investors now fund lawsuits for a share of the recovery. What that means for liability claims, settlement talks, disclosure rules and your limits.Tort reform and liability insurance: what changes for business buyersState tort reform changes fault rules, evidence and recovery. What Florida and Georgia changed, and what reform does and does not do to your premium.What happens when an insurer fails: guaranty funds and business policiesHow guaranty funds pay claims when an insurer is liquidated: the usual $300,000 cap, net worth exclusions, and why surplus lines policies are mostly uncovered.Assigned risk and residual markets for workers' compHow the workers' comp residual market works when no voluntary insurer will write you: who qualifies, what it costs, how plans differ by state and how to exit.Workers' comp requirements by state: who must carry itComp thresholds, owner exemptions, monopolistic states, the Texas opt-out and penalties for going uninsured, with a table covering all 50 states and DC.