CompliChek
Validate insurance policy forms against state-specific regulations before SERFF filing. Catch compliance issues before they become objections, fines, or market conduct findings.
CompliChek is policy form compliance validation that checks contracts, endorsements, riders and declarations against the disclosure rules, prohibited language and mandated provisions of all 50 states before a SERFF filing goes out.
Who is this for?
Compliance and product filing teams at carriers, and the legal reviewers who sign off on forms, in personal lines, commercial lines, surplus lines and health. It is for teams that file through SERFF and have felt what a repeat objection does to a launch date.
What problem does it solve?
A form review is three weeks of analysts reading against a rule set that moved last month. Objections come back on the thing nobody caught, the launch slips, and a repeat objection on the same point starts to look like a compliance problem rather than a typo.
Market conduct exams find what the filing process missed, years later, with fines attached. And the version question (which form is approved in which state) lives in a spreadsheet that is right until the day it is not.
How does it work?
You upload a form, an endorsement, a rider or a whole filing package. The rule engine checks it against state-specific requirements and federal rules (HIPAA, ACA, FCRA, TRIA), validates bureau forms from ISO, AAIS and NCCI against current circulars, and highlights missing disclosures and non-compliant language with the rule citation and a severity rating beside each flag.
Issues are assigned, tracked and resolved in a remediation workflow with a full audit trail, and the system produces the audit-ready documentation and filing package at the end. Custom rule sets for your own approved language are configured at onboarding, so the engine flags deviations from your templates as well as from the regulator's.
Rules update within 30 days of DOI bulletins and ISO circulars, with emergency orders and immediate-effect rules pushed within 48 hours and a full quarterly review behind them. Precision on flagged issues runs above 95 percent, and legal teams can override any flag with a documented rationale, which the audit trail keeps.
Capabilities
- Validate policy documents against state/federal regulations
- Flag missing disclosures, outdated clauses, and non-compliant language
- Audit trail generation for SOC 2, HIPAA, FedRAMP compliance
- Version control and change tracking for policy updates
- Regulatory database auto-updates with jurisdiction rules
Outcomes
- Faster Audit Prep ↓ 40-60%
- Fewer SERFF Objections ↓ 85%
- Validation Accuracy ↑ 98%+
What does it connect to?
- Policy administration systems through API or batch file upload, with validation results written back to the policy record
- SERFF filing packages and export packs
- Bureau form libraries: ISO, AAIS and NCCI circulars
- Audit trail reports for market conduct exams, SOC 2, HIPAA and FedRAMP reviews
How is it deployed, and how long does it take?
Version control tracks which forms are approved where, and change tracking records every edit to a policy document. Coverage spans personal lines (cancellation disclosures, uninsured motorist, flood exclusions, hurricane deductibles), commercial lines (terrorism, pollution, cyber, certificate holder requirements), surplus lines and health.
It does not replace the lawyer. It makes sure the lawyer is reading the right version of the right rule, and it keeps the record of what was decided.
Deployment in 60 to 90 days. Audit preparation time typically falls 40 to 60 percent and SERFF objections by about 85 percent once the custom rule sets are in.
Industry context
Explore the related workflows and other solutions for your industry.