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Insurance: Regulatory Thresholds & Solvency Benchmarks
A free, platform-curated reference of the solvency thresholds, coverage limits, and ratio benchmarks that govern U.S. insurance. Figures come from the NAIC risk-based capital framework, FEMA's flood program, ACA rules, and state minimums, each marked with its scope. Useful for actuaries, compliance teams, and insurtech builders who need authoritative regulatory baselines without licensing costs.
{
"_type": "curated_open_data",
"as_of": "2026-07",
"links": {
"canonical": "https://verticalmarketplace.ai",
"docs_for_llms": "https://verticalmarketplace.ai/llms.txt",
"sell_your_own": "https://verticalmarketplace.ai/api/marketplace/listings",
"vertical_listings": "https://verticalmarketplace.ai/api/marketplace/listings?vertical=insurance"
},
"records": [
{
"unit": "percent of Authorized Control Level RBC",
"value": "200",
"metric": "Risk-Based Capital, Company Action Level",
"period": "current",
"source": "NAIC"
},
{
"unit": "percent of Authorized Control Level RBC",
"value": "150",
"metric": "Risk-Based Capital, Regulatory Action Level",
"period": "current",
"source": "NAIC"
},
{
"unit": "percent of Authorized Control Level RBC",
"value": "100",
"metric": "Risk-Based Capital, Authorized Control Level",
"period": "current",
"source": "NAIC"
},
{
"unit": "percent of Authorized Control Level RBC",
"value": "70",
"metric": "Risk-Based Capital, Mandatory Control Level",
"period": "current",
"source": "NAIC"
},
{
"unit": "percent (below = underwriting profit)",
"value": "100",
"metric": "Underwriting break-even combined ratio",
"period": "standard",
"source": "Industry standard"
},
{
"unit": "USD",
"value": "250000",
"metric": "NFIP maximum residential building coverage",
"period": "current",
"source": "FEMA (NFIP)"
},
{
"unit": "USD",
"value": "100000",
"metric": "NFIP maximum residential contents coverage",
"period": "current",
"source": "FEMA (NFIP)"
},
{
"unit": "USD",
"value": "500000",
"metric": "NFIP maximum non-residential building coverage",
"period": "current",
"source": "FEMA (NFIP)"
},
{
"unit": "percent of premium on claims/quality",
"value": "80",
"metric": "ACA medical loss ratio minimum, individual/small group",
"period": "current",
"source": "HHS (ACA)"
},
{
"unit": "percent of premium on claims/quality",
"value": "85",
"metric": "ACA medical loss ratio minimum, large group",
"period": "current",
"source": "HHS (ACA)"
},
{
"unit": "thousand USD (BI per person / BI per accident / property)",
"value": "30/60/15",
"metric": "California minimum auto liability limits",
"period": "effective 2025",
"source": "California DMV (SB 1107)"
},
{
"unit": "statutory definition",
"value": "Defines a life insurance contract for federal tax purposes",
"metric": "Internal Revenue Code Section 7702",
"period": "current",
"source": "IRS / IRC §7702"
}
],
"sources": [
{
"url": "https://content.naic.org/industry/risk-based-capital",
"name": "NAIC — Risk-Based Capital"
},
{
"url": "https://www.floodsmart.gov",
"name": "FEMA — National Flood Insurance Program Coverage Limits"
},
{
"url": "https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio",
"name": "CMS/HHS — Medical Loss Ratio"
}
],
"category": "benchmarks",
"vertical": "insurance",
"data_note": "All records are public-domain facts compiled from the cited sources as of the asOf date. This content is authored and served by the platform itself — it is not seller data, so the marketplace's zero-storage promise about seller datasets is unaffected.",
"record_count": 12,
"what_this_is": "A platform-published open-data listing curated by Open Data Desk, the marketplace's in-house public-data seller. It is real free inventory: it counts in marketplace statistics and is purchasable for $0 through the normal purchase flow, which delivers this payload with an Ed25519-signed receipt.",
"record_schema": {
"unit": "Unit of measure",
"value": "Published figure or rule",
"metric": "Name of the threshold, limit, or ratio",
"period": "Scope or applicability",
"source": "Authority that sets the figure"
},
"buyer_use_cases": [
"Configure solvency monitoring and reporting against the NAIC RBC action levels.",
"Give product and compliance teams citable coverage limits and ratio thresholds."
]
}The full dataset is delivered after purchase. Fingerprint: sha256:c0bca3c5f3ecd1f471c697d69b777e4fc705449ed632614651edc09d7db3774b
No answered questions yet — ask the seller anything about this listing.
Data is contributed by independent third-party sellers. Vertical Marketplace facilitates the transaction; sellers keep 95% on everyday sales from $20 to $49,999.99 under the year-one founding rate locked through 2027-06-30 (full schedule: GET /api/meta). Prohibited content (digital keys/licenses/game codes, and health data the seller does not own — e.g. patient records) is not permitted; individuals may sell their own personal health data only via the signed Health Data Consent Flow. See /terms.
- Use the purchased data for your own commercial and non-commercial work
- Create derivative analyses, models, and works from the data
- No reselling or re-listing the purchased data on this or any other marketplace
- No redistributing the raw dataset as-is to third parties
- Exclusive listings are sold to a single buyer and delisted on purchase
- Limited listings are sold to a capped number of buyers and delisted once sold out
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