About
About FilingFocus
The team
FilingFocus is built by P&C underwriters, product and filings managers. We have underwritten commercial and personal lines, managed products, filed forms and rates in multiple states, answered objection letters, and built the systems that make that work searchable.
How it works
We ingest public P&C filings in 49 states and the District of Columbia. A complete filing can run to thousands of pages across cover documents, forms, rate and rule manuals, supporting exhibits and correspondence.
We break each filing into its components, and each component is indexed on its own, so you can quickly find what you need without navigating the entire filing.
One filing
418 pages, one bundle
- Filing at a glance, general information, fees
- Correspondence: objection letters, responses, amendments
- Form, rate/rule and supporting document schedules
Attachments, as filed
- Form CM 99 06pp. 27-31
- Rule pagespp. 32-58
- Certificationpp. 59-60
- Form CM 99 05pp. 61-66
- Loss cost formpp. 67-68
- Manual indexpp. 69-94
38 more, to p. 418
Split into components, each indexed on its own
Filing summary
Filer, state, line, dates, disposition
- Filing at a glance
- Objection letters
- Response letters
- Dispositions and amendments
Forms
One record per form
- CM 99 06, ed. 12 19Endorsement
- CM 99 05, ed. 12 19Endorsement
- Each keyed by number and edition, tagged by type
Rates and rules
Rate pages and rule text
- Rule exception pages
- Rate tables
- Manual index
Supporting documents
Exhibits and certifications
- Forms certification
- Loss cost adoption
- Checklists
One form identifier
CG 20 10EndorsementFollows the form across every filing, carrier and group it appears in.
- Carrier A · TXed. 04 13
- Carrier B · ILed. 04 13
- Carrier C · NYed. 12 07
Every form also gets a unique identifier, built from its number and edition, that follows it across every filing, company and group it appears in, so one lookup finds a form everywhere it has been filed.
Zoom in or out
Group
Carrier Group A
6 companies, 1,240 filings
Company
Carrier A
84 filings in TX, GL and CPP
Filing
TX GL forms, 2025
Correspondence only: 2 objections, 1 response
Form
EndorsementCG 20 10, ed. 04 13
Appears in 31 filings across 12 carriers
Search any section
Rule 12.B, Blanket additional insured charge
Carrier A · TX · CPP manual
Rule 7, Additional insured premium
Carrier B · IL · GL manual
Exception page, Additional insured rating
Carrier C · NY · GL manual
Data is stored across databases chosen for each job: structured filing records, page-level text search and vector indexes, so results come back in seconds across hundreds of millions of pages.
The FilingFocus Agent
The FilingFocus Agent is an AI agent built into the research product. It works from the same components and identifiers described above, so it can answer a question by searching one part of a filing at a time, show each step as it goes, and cite the documents behind its answer.
Example: a rate question
Question
Which carriers filed personal auto rate increases above 5% this year, and did the department push back on any of them?
Overall rate change is a field on the filing summary, so I can filter there without opening any rate pages.
Filing summarypersonal auto, filed 2026, overall change above 5%6 filingsTwo of the six were approved below the requested amount. The reason will be in the correspondence.
Correspondenceobjection letters on those 2 filings2 letters, same reasonBoth letters cite a 7.5% ceiling. I will confirm the amended number in the revised rate pages.
Rates and rulesrevised rate pages, Carrier B and Carrier Eboth amended to 7.5%
Answer
Six carriers filed personal auto increases above 5% this year. Four were approved as filed, between 5.4% and 6.9%. Carrier B asked for 9.8% and Carrier E for 8.2%1. The department objected to both, stating it is not approving overall increases above 7.5% this cycle2. Both carriers amended their filings to 7.5%3.
Citations
- 1Carrier B, personal auto rate filing, filed January 2026. Filing summary: requested 9.8%, approved 7.5%.
- 2Objection letter to Carrier B, February 3, 2026: the department is not approving overall increases above 7.5% this cycle.
- 3Carrier B, revised rate pages effective April 1, 2026, overall change 7.5%.
Who it's for
The same index serves different jobs. Each solutions page walks through what a team can search, how it is stored for them, and how the FilingFocus Agent works with it.
Get filings approved faster, with fewer objection cycles.
See every piece of a competitor’s product, and know what changed before your next product meeting.
Benchmark your product against what competitors have filed, form by form.
Find any rate factor across filed manuals and pull it into a spreadsheet.
Walk into a renewal knowing how each carrier words the coverage and where rates are heading.
Find how a clause has been worded and approved, and draft from it with sources.
Contact
Questions about the library, a correction to a page, or a demo of the research product: info@filingfocus.com or the contact form.