Sign in Get API key

search every filing

competitor research, filing prep, carrier checks and rating for your agents: one API, one MCP server, sources linked

# Claude Code
claude mcp add --transport http effective https://mcp.effectiveai.app/api/mcp/v2
# then run /mcp, choose effective, sign in

# Claude app: Customize → Plugins → Discover → Effective → Add
Get API key →Read the docs

$10 of free usage every month. No card.

fl-rate-filing — ✳ Florida personal auto profit provision — claude
Claude Code v2.1.316
Opus 5.5 · Claude Ultra
~/fl-rate-filing
❯ How are carriers calculating the profit provision for personal auto in Florida? Which approved filings support the highest one?
Called effective 6 times
⎿  "Florida personal auto rate filings profit provision underwriting
   profit and contingencies calculation"
● Five approved filings use four methods. Of these five, Root
  selects the highest provision: 9.7% liability, 10.3% physical damage.

  ┌──────────────────────┬──────────────┬──────────────┐
  │ Carrier              │ L / PD       │ Filing       │
  ├──────────────────────┼──────────────┼──────────────┤
  │ Root Florida         │ 9.7% / 10.3% │ FL-26-015198 │
  │ Allstate F&C         │ 6.8% / 6.8%  │ FL-25-049337 │
  │ Nationwide General   │ 4.04% / 5.0% │ FL-24-096058 │
  │ State Farm Mutual    │ 1.0%         │ FL-25-020575 │
  │ Auto Club of Florida │ 0.0% / 0.0%  │ FL-26-027243 │
  └──────────────────────┴──────────────┴──────────────┘

  Root selected less than its model indicated (13.2% / 13.8%).
  Its 1.0% contingency cites an Allstate filing.
◐ medium · /effort
❯
▸▸ auto mode on (shift+tab to cycle) · ← for agents
your agentClaude · ChatGPT · Copilot · code
MCP / API
effectivesearch · read · cite
filingscarriersregulationOSHA
indexed from
sourcesSERFF · Florida IRFS · NAIC statements · OSHA · state regulators
Works in
  • Claude
  • ChatGPT
  • Microsoft 365 Copilot
and other MCP clients

Use cases

what your agent can do

See every use case →

Competitor rate research

Find competitors' rate and rule filings, read their rate manuals and actuarial memos, and compare rate changes and profit provisions.

searchFilings · getFileText · getFilingRateImpact

Filing prep and objections

Check a filing against state requirements before you submit it, and see what regulators objected to in similar filings.

listFilingObjections · listRegulatoryRequirements · startManagedFilingPreReview

Carrier financial checks

Compare premiums, losses, licenses and loss development by state and line of business from NAIC statutory statements.

listCarriers · listCarrierStateResults · getCarrierFinancials

Rate against competitors

Rate a submission with competitors' filed rating plans and compare the premiums side by side.

listRatingPrograms · getRatingProgramVersionContract · rateRatingProgram

Product tracking

Follow a carrier's product across states: its filings, manuals, forms and timeline of changes.

listProducts · getProductTimelineForProduct · listProductResources

Employer risk

Match a business to its OSHA records. Then read its inspections, citations, injuries and injury rates.

matchEmployers · getEmployerOshaProfile · searchOshaNarratives

Ask in your agent

Ask Claude, ChatGPT or Copilot, get answers with filing links

Connect once. Your agent discovers the right endpoint, pulls the data and links each claim to the document it came from. Calls through MCP cost the same as calls over HTTP.

Connect your agent →
Which carriers filed Texas homeowners rate increases since June? Cite the filings.
effective · discover "TX homeowners rate filings"
effective · list searchFilings · state = TX · since 2026-06-01
effective · read getFilingRateImpact × 12

Here are the carriers, their filed rate change and the filing for each.

Sources: SERFF filings, with links

Sources

Built on public insurance records

Filings, documents and regulatory text link to their source. NAIC rows name the statement and exhibit.

  • SERFF
  • Florida IRFS
  • NAIC statutory statements
  • OSHA
  • State regulators
Full data reference in the docs ↗

Get started

Make your first call.

  1. 01

    Sign up

    GitHub, Google or email. A workspace and a key are made for you.

  2. 02

    Connect

    Set the key in your environment, or add the MCP server to your agent.

  3. 03

    Call

    Search filings, read documents, pull NAIC rows. The x-effective-credits header shows the cost of each call.

FAQ

Questions

Billing questions →
Where does the data come from?

Public insurance records: rate, rule and form filings from SERFF and Florida IRFS, NAIC statutory statements, OSHA records and state regulators.

How fresh is the data?

We cover all 50 states and DC. SERFF filings arrive within 24 to 48 hours after regulators make them available, with forms, rate impact and document text already extracted. Florida IRFS filing details arrive within 24 hours; their documents and extracted data are prepared when you ask for them.

Can I check an answer?

Yes. Filings, documents and regulatory text link to their source. NAIC rows name the statement and exhibit they come from.

Do I need to write code?

No. Add the Effective plugin in Claude, ChatGPT or Microsoft 365 Copilot and sign in. Developers use the API or connect an agent to the MCP server.

Should I use MCP or the API?

Use MCP for agents and chat tools, and the API for your own code. Both return the same data at the same price.

What can an agent do with my account?

It acts with your permissions. It reads data, and it changes only your own filing workspaces when your role allows it. Preparing a filing does not submit it to a regulator.

Can I use the data in my own product?

Our Terms of Service set how you can use Effective data. To build it into a product for others, contact us.

Pay only for the data you get.

$10 free every month. Empty results and errors are always free.

Get API keySee pricing