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Use financials for a carrier’s annual premium and underwriting totals. Use state results for individual jurisdictions and lines. Your organization must accept the NAIC data terms and have the dataset enabled. A denied call returns 403 dataset_not_enabled with access instructions.

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Find the carrier and year

Find the carrier with GET /api/v2/insurance/carriers?name=Markel, copy its id, and request:
The response contains carrier, year, coverage and companies. An omitted year selects the latest year with a reported all-lines total in either the Underwriting and Investment Exhibit, Part 1B, or Insurance Expense Exhibit, Part 3. Use the returned year to make a comparison explicit:
Each companies section preserves its naicCompanyCode and contains: Amounts are whole US dollars. IEE amounts are converted from thousands. Negative amounts stay negative; 0 is a reported zero and null is unavailable. The reported net is preserved even if other components do not reconcile.

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Check coverage before comparing

A null section means its total row is missing for that company and year. It never uses an older year or sums detail rows as a substitute. A source company missing both totals still appears with null sections and empty sources. coverage: "complete" means both total rows exist for every source company; it does not promise every field is populated or that we hold the complete statement. partial means at least one total row is absent. If neither exhibit has totals for any source company, the call returns 404 statutory_data_not_found. Missing data does not prove that the carrier did not file. Multiple NAIC company codes can belong to one managed carrier after an identity merge. Their statements remain separate. Do not treat an identity merge as a consolidated financial statement or add these companies together without checking the accounting scope.

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Understand scope and cost

This endpoint reports stored totals. It does not calculate gross premium, ratios, rankings, or group consolidation. Part 1B and IEE have different accounting bases and rounding; their amounts are not interchangeable. These figures do not establish solvency, product revenue or MGA financials. One successful annual document costs $0.03, including partial coverage and multiple source-company sections. Failed calls are not charged. Repeating a successful read incurs another charge and may return reloaded values; this is not restatement history. The document is not paginated. Carrier identities with more than 200 source codes return 409 inventory_limit_exceeded without truncation.