• Massachusetts Division of Insurance

    The primary mission of the Division of Insurance is to monitor the solvency of its licensees in order to promote a healthy, responsive and willing marketplace for consumers who purchase insurance products.

    The Massachusetts Division of Insurance is part of the U.S. insurance regulatory framework which is a highly coordinated state-based national system designed to protect policyholders and to serve the greater public interest through the effective regulation of the U.S. insurance marketplace.  Through the National Association of Insurance Commissioners (NAIC), U.S. insurance regulators, establish national standards and best practices, conduct peer reviews and coordinate their regulatory oversight to better protect the interests of consumers while ensuring a strong, viable insurance marketplace.  U.S. insurance regulators also participate in the International Association of Insurance Supervisors (IAIS) along with the NAIC by participating in all its major standard setting initiatives, including working with fellow regulators from around the world to better supervise cross-border insurers, identifying systemic risk in the insurance sector, and creating international best practices.

  • Commissioner Murphy Talks Health Insurance with the President

  • Division of Insurance Reaches Settlement to Keep Workers’ Compensation Rates at Current Levels

    The Massachusetts Division of Insurance has reached a settlement with the Workers' Compensation Rating and Inspection Bureau (WCRIB) and the Attorney General's Office that calls for a zero percent overall average rate change, effective April 1, 2014. Businesses across the state will save about $77 million as a result of this settlement.

  • Commissioner Murphy Appointed to NIPR Board of Directors

    The National Insurance Producer Registry (NIPR) recently announced the appointment of Commissioner of Insurance Joseph G. Murphy to its Board of Directors.


    Determining the cost of a treatment or procedure can be a mysterious or baffling process for consumers.  Governor Patrick is committed to price transparency and affordable health care for all Massachusetts residents; to meet those goals, Chapter 224 of the Acts of 2012 makes it mandatory that health insurance carriers provide individualized information regarding the estimated or maximum allowed charge for a proposed service as well as the estimated amount a member may be responsible to pay out-of-pocket.  These estimates are to be based on information available to the member's insurance company at the time the consumer requests the estimate.

    A chart found here pdf format of    web-transparency-chart.pdf  details the current phone numbers and website addresses for each company's cost estimator program.

  • 2013 Surplus Lines Brokers Filing Forms and Instructions

    The Division of Insurance has updated Surplus Lines filing forms for Calendar year 2013 and adopted new procedures for filing Form BR-7 Affidavit By Insured (effective January 1, 2014)

  • Board of Appeal April 2014 Schedule pdf format of 			Board of Appeal April 2014 Schedule

    The Board of Appeal has posted its April Hearing Schedule

  • Frequently Asked Questions About At Fault Accident Surcharges for Personal Automobile Insurance Policies pdf format of 			FAQ's  About At Fault Accident Surcharges

  • Division of Insurance Online Services

  • Consumer Insurance Information

  • Insurance Licensing

    Consumer Info

    Producer Licensing Announcement - New Uniform Paper Applications

    • Licensing Requirements
    • Forms and Applications
    • Fee Schedules
    • FAQs
  • Industry Services

    Consumer Info

  • Better Rates for Better Drivers

    Massachusetts is now allowing auto insurers to compete for good drivers, giving consumer more choices than ever before. Competition results in better rates for better drivers across the Commonwealth. You can use our premium comparison website to see examples from each company and the range of premiums you could see if you shop around. When you are ready to actually shop for automobile insurance, use our step by step auto insurance shopping checklist. Print your copy HERE pdf format of    Shopping for Auto Insurance Step By Step  .
  • Archive of DOI News & Updates