Market Regulation

The Market Regulation Division monitors market conduct activity of domestic and foreign Property and Casualty (P&C) insurance companies, Life and Health (L&H) insurance companies, Premium Finance companies, Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO) etc…as required by North Carolina General Statute, Chapter 58.

Examinations are used to monitor compliance with statutes and regulations in the following areas: Policyholder Treatment, Sales, Marketing, Underwriting and Rating, Agent Appointments and Terminations, Nonforfeitures General Administration, Provider Relations and Delivery Systems, Utilization Management, Quality Management, Provider Credentialing, Delegated Oversight, and Claims.

Staff members perform a combination of in-house reviews of various documents submitted by the regulated entities and on-site examinations of company records and operations.

The Market Analysis team performs market conduct analysis by collecting and analyzing data on domestic insurance entities and insurance entities that are licensed to do business in the State of North Carolina but are not domestic to this state.

This is done to identify general market disruptions early and to eliminate or limit harm to consumers, policyholders and/or claimants.

Published Examination Reports

Tab/Accordion Items

The Market Regulation Division regularly monitors the business of DOI-regulated companies to identify general market disruptions and to eliminate or limit harm to consumers, policyholders and/or claimants through market analysis investigations and market conduct examinations.

Physical Address: Mailing Address:

3200 Beechleaf Court
Raleigh NC 27604

NC Department of Insurance
Market Regulation
1201 Mail Service Center
Raleigh NC 27699-1201


Main/Administration: 919-807-6882
Examinations: 919-807-6877
Market Analysis: 919-807-6893
Fax: 919-807-6635

The Market Conduct Annual Statement (MCAS) was developed through the National Association of Insurance Commissioners (NAIC) with the input of state regulators and representatives from the industry. The MCAS is designed to provide analysis of certain key market performance data that will help regulators allocate market regulation resources where they can be most effective. It is an analysis tool that states use to review market activity of the insurance marketplace in a consistent manner and to identify companies whose practices are outside normal ranges.

For more information about the MCAS, please visit: NAIC MCAS

Market Conduct Annual Statement Industry Averages

The statewide averages and charts (a.k.a. scorecards) for all participating MCAS jurisdictions can be viewed on the webpage NAIC MCAS Scorecard.  The data indicates where the number of reporting companies whose ratios fall within various ranges can be found are for informational purposes only and do not represent standards for market behavior. This information does not establish compliance or non-compliance.