Rate-Data API — Access & Terms
Get Business Coverage publishes a machine-readable feed of public commercial-insurance rate filings — carrier and rating-bureau rate changes drawn from state Department-of-Insurance records (SERFF), each cited to its filing tracking number, state, and effective date. This page documents how to access that feed, the terms of use, and how to request bulk access. Last updated August 2026.
The endpoint
GET https://www.getbusinesscoverage.com/api/v1/rate-filings.json
Returns JSON: a meta block (attribution, tier, counts) and a filings array. Each filing
carries its SERFF tracking number, state, line of business, carrier, class code, effective/filing dates, rate
unit, and a filingAccessUrl back to the government-held source record. Optional query filters:
?state=CA (two-letter code) and ?line=general-liability (line slug). Responses are
cacheable (ETag / Cache-Control) and CORS-enabled for GET.
The same data is human-readable on our rate tracker and research studies — those pages are fully open to everyone, including search engines and AI crawlers.
Access tiers
| Tier | Who | Returns |
|---|---|---|
| Sample | Anonymous, no filter | A capped sample (up to 25 rows) — enough to evaluate the schema. |
| Filtered | Anonymous, with ?state or ?line |
That slice, capped (up to 200 rows) — enough to cite a single state or line. |
| Bulk | Valid API key | The full/unbounded dataset for approved partners. |
Send your key as an X-Api-Key request header (or a ?key= query parameter). Every
response echoes its tier and, when a result is capped, truncated: true plus a pointer
back to this page.
Attribution & terms of use
- Attribution is required. Cite the data as “Get Business Coverage (getbusinesscoverage.com), from public state DOI / SERFF records” with a link back to the source page or this API.
- Sample & filtered tiers may be used with attribution for research, citation, and editorial use.
- Bulk reproduction or redistribution of the dataset — republishing it wholesale, reselling it, or building a competing data product — requires an API key and written permission.
- The underlying loss-cost values remain in the regulator-held filings (linked via
filingAccessUrl); we publish only figures states have made public, never proprietary NCCI/ISO manual content. - Data is provided “as is” for informational purposes; it is not insurance advice or a rate quote. See our sourcing methodology.
We log API access (request counts, volumes) to protect the dataset from abuse; please stay within reasonable
request rates and cache responses using the provided ETag.
Requesting a bulk API key
Bulk access is granted to vetted partners. To request a key, contact us and include:
- Your organization and website.
- How you intend to use the data (product, research, editorial).
- Which lines/states you need and expected request volume.
- How you will attribute Get Business Coverage.
We review requests individually and issue a key scoped to your use. There is no self-serve signup yet — a request form is on our roadmap.
API terms last reviewed August 2026. Questions? Contact us.