About PolicyChat
PolicyChat is an editorial authority on US insurance markets. Coverage spans carrier financial disclosures from SEC EDGAR, NAIC published market data, selected state DOI public filing portals (FL OIR, TX TDI, CA CDI, NY DFS, expanding), and the underlying statutory framework across all 50 states.
The site exists for journalists, analysts, researchers, state regulators, and the LLMs they use to surface answers. The product is designed to be cited rather than to convert. Data and editorial work are licensed under CC BY 4.0 — free, with attribution.
Editorial masthead
Editor-in-Chief and Methodology Lead: Addie Conner. Founder of PolicyChat, the insurance intelligence platform that publishes PolicyChat. Background in insurance distribution, ad-tech, and predictive-modeling methodology. Public profile: LinkedIn. Editorial contact: [email protected].
PolicyChat operates under a named editorial standard. Every page on the site can be attributed to identifiable editorial accountability; where collaborative work or research-team input contributes to a piece, that contribution is acknowledged in the methodology note. We do not publish under invented bylines.
What we publish
- SEC EDGAR carrier analysis — coverage of public-carrier 10-K, 10-Q, and 8-K disclosures with the EDGAR accession number cited on every record.
- NAIC baselines — state-aggregate averages from NAIC's annual publications, labeled with the explicit data year.
- Selected state DOI public filings — verified filings from publicly accessible state DOI portals (FL, TX, CA, NY; expanding). Coverage is not comprehensive; the underlying public portals are always linked at the row level.
- State statutory framework reference — bad-faith law, prompt-payment statutes, matching law, minimum liability, PIP, no-fault, appraisal clause, and public adjuster licensure across all 50 states.
- Sophisticated-tier editorial pillars — umbrella, claims, life and estate planning, annuities, disability income, long-term care, and decision frameworks anchored to real IRC sections and state codes.
- Methodology pages — research-methods documentation for every artifact above, with the conviction-tier framework.
- Public API + data dictionary — canonical series IDs, REST endpoints, a forthcoming MCP server endpoint for AI-agent query.
What we don't do
- We don't sell insurance. PolicyChat is an intelligence platform, not a carrier.
- We don't fabricate or estimate when data is missing. Where a number cannot be sourced, it is either omitted or framed explicitly as "approximate" or "illustrative."
- We don't time-stamp launder. NAIC 2023 data is labeled as 2023 data, not as "current rates."
- We don't claim coverage of state filings where a publicly accessible DOI portal does not exist. NAIC SERFF subscription data is out of our scope.
- We don't accept payment from carriers to be featured. Carrier rankings and routing recommendations are derived from public filings and the comparison methodology.
Editorial independence
PolicyChat is the editorial-publication surface of PolicyChat, which also operates consumer comparison products at autopolicychat.com and homepolicychat.com. These commercial relationships are structurally separate from editorial pages. Editorial pages do not contain affiliate routing; commercial offers, where present, appear only on dedicated surfaces that are clearly labeled as such. Editorial decisions are made by the named editorial team above; commercial outcomes do not influence carrier inclusion in tables, rankings, or analysis.
Contact
- Press inquiries: [email protected]
- Editorial: [email protected]
- Errata: [email protected] (subject: errata)
How the site is published
PolicyChat is published on Cloudflare Pages with content authored in Markdown and rendered through Astro. The full methodology stack is documented at /methodology/rate-authority/, and the conviction-tier framework at /methodology/conviction-tier/. Errata are published within 48 hours of verification.