CompliChek — Policy form compliance validation
Validate insurance policy forms against state-specific regulations before SERFF filing. Catch compliance issues before they become objections, fines, or market conduct findings.
CompliChek automatically reviews policy contracts, endorsements, riders, and declarations pages against disclosure requirements, prohibited language rules, and mandated provisions for all 50 US states.
- Faster Audit Prep
- ↓ 40-60%
- Fewer SERFF Objections
- ↓ 85%
- Validation Accuracy
- ↑ 98%+
Built for the SERFF Filing Workflow
Every policy form must be filed through SERFF (System for Electronic Rate and Form Filing) before it can be used. Objections delay launches. Repeat objections signal compliance problems. Market conduct exams uncover violations. CompliChek validates forms BEFORE you file:
- Pre-submission validation catches issues upstream
- Fewer SERFF objections means faster approvals
- Audit trail documentation for market conduct exams
- Version control tracks which forms are approved where
Outcomes
CompliChek vs. Manual Compliance Review
| Capability | CompliChek | Manual Review | Outsourced Consultants |
|---|---|---|---|
| Review Speed | Minutes | Days–Weeks | Days–Weeks |
| Consistency | Rule-based, 100% | Analyst-dependent | Consultant-dependent |
| Coverage | All 50 states | Limited expertise | Varies by firm |
| Cost per Form | Fixed, predictable | High labor cost | High consulting fees |
| Audit Trail | Automatic, complete | Manual documentation | Deliverable-based |
| Regulatory Updates | Continuous | Manual tracking | Periodic updates |
| Scalability | Unlimited | Headcount-limited | Budget-limited |
Technical Specifications
What it does
- 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- Flag missing disclosures, outdated clauses, and non-compliant language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
How it works
Upload
Upload policy forms, endorsements, riders, or full filing packages
Validate
AI rule engine checks against state-specific requirements
Flag
Missing disclosures and non-compliant language highlighted
Remediate
Issues assigned, tracked, and resolved with full audit trail
Export
Generate audit-ready documentation and filing packages
Upload
Upload policy forms, endorsements, riders, or full filing packages
Validate
AI rule engine checks against state-specific requirements
Flag
Missing disclosures and non-compliant language highlighted
Remediate
Issues assigned, tracked, and resolved with full audit trail
Export
Generate audit-ready documentation and filing packages
Compliance Validation by Line of Business
Personal Lines P&C
Auto, Homeowners, Umbrella
Cancellation disclosures, uninsured motorist requirements, flood exclusion language, hurricane deductible disclosures
Commercial Lines
GL, Property, Commercial Auto, BOP
Terrorism coverage disclosures, pollution exclusions, cyber coverage language, certificate holder requirements
Specialty & Excess
E&S, Excess, Surplus
Non-admitted disclosures, surplus lines tax language, rate freedom filings, limited regulation compliance
Health & Benefits
Health, Disability, Life
ACA compliance, mental health parity, network adequacy, HIPAA privacy requirements, MLR disclosures
We used to spend three weeks reviewing forms before every SERFF submission. Half the time, we'd still get objections on something we missed. CompliChek runs the same review in minutes and catches issues our analysts overlook. Our objection rate dropped from 40% to under 10%.
What you get
- Compliance rule engine with jurisdiction mapping
- Policy validation dashboard with issue flagging
- Audit export packs (PDF, CSV, JSON)
- Issue Resolution Workflow — When CompliChek flags a compliance issue, resolution is tracked through completion: Issue Assignment (flagged issues auto-assigned to document owners), SLA Tracking (configurable resolution deadlines by severity), Status Updates (real-time visibility into fix progress), Re-Validation (one-click re-check after edits), Approval Workflow (sign-off chain before filing), and complete Audit Trail with timestamps, user IDs, and document versions for market conduct documentation
- Quarterly regulatory database updates
Deployments & integrations
- Cloud or on-prem
- API integration with policy management systems
- Secure file upload portal
Security & governance
- SOC 2 Type II audited
- HIPAA-compliant for healthcare policies
- RBAC with compliance/legal/admin roles
- Tamper-proof audit logs
Related
Products
Services
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Frequently Asked Questions
File with Confidence
Catch compliance issues before SERFF catches them for you
Or call us: +1-512-200-2416
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