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Market Conduct Examination Reports

Reports appearing below are in Adobe Acrobat (PDF) format and are not official documents. They are provided for information purposes only. Copies of the signed, original market conduct examination reports are available by contacting the Market Conduct Section of the Massachusetts Division of Insurance.

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Standard Coding and Claim Formats

Blue Cross and Blue Shield of Massachusetts

Boston Medical Center Health Plan, Inc.

CeltiCare Health Plan of Massachusetts, Inc.

ConnectiCare of Massachusetts, Inc.

Fallon Community Health Plan, Inc.

Harvard Pilgrim Health Care, Inc.

Health New England, Inc.

Neighborhood Health Plan, Inc.

Network Health, LLC

Tufts Associated Health Maintenance Organization, Inc.

UnitedHealthcare

Settlements

2023 Market Conduct Examination Reports

Point32Health, Inc Market Conduct Examination Report - Adoption Order - June 6, 2024

Point32Health, Inc Market Conduct Examination Report - June 6, 2024

2022 Market Conduct Examination Reports

Bay State Insurance Company, Cambridge Mutual Fire Insurance Company, Merrimack Mutual Fire Insurance Company Market Conduct Report - Adoption Order - August 19, 2024

Bay State Insurance Company, Cambridge Mutual Fire Insurance Company, Merrimack Mutual Fire Insurance Company Market Conduct Report - August 19, 2024

2021 Market Conduct Examination Reports

Barnstable Group Comprehensive Market Conduct Examination Report - Adoption Order - July 15, 2024

Barnstable Group Comprehensive Market Conduct Examination Report - July 15, 2024

Berkshire Life Ins Co of America Market Conduct Examination Report - Adoption Order - December 14, 2023

Berkshire Life Ins Co of America Market Conduct Examination Report - December 14, 2023

Arbella Insurance Group Market Conduct Examination Report - Adoption Order - May 16, 2023

Arbella Insurance Group Market Conduct Examination Report - May 16, 2023

2020 Market Conduct Examination Reports

Liberty Mutual Insurance Company Market Conduct Examination - Adoption Order - September 5, 2024

Liberty Mutual Insurance Company Market Conduct Examination Report - September 5, 2024

Liberty Mutual Insurance Company Market Conduct Examination - Regulatory Settlement Agreement

Centre Life Insurance Company Market Conduct Examination Report - Adoption Order - May 27, 2022

Centre Life Insurance Company Market Conduct Examination Report - May 27, 2022

2019 Market Conduct Examination Reports

Norfolk & Dedham Group Market Conduct Examination Report - Adoption Order - July 11, 2022

Norfolk & Dedham Group Market Conduct Examination Report - July 11, 2022

2018 Market Conduct Examination Reports

Hospitality Mutual Insurance Company Market Conduct Report - Adoption Order - August 4, 2022

Hospitality Mutual Insurance Company Market Conduct Report - August 4, 2022

New England Life Insurance Company Market Conduct Report - Adoption Order - July 11, 2022

New England Life Insurance Company Market Conduct Report - July 11, 2022

Boston Mutual Life Insurance Company Market Conduct Report - Adoption Order - July 11, 2022

Boston Mutual Life Insurance Company Market Conduct Report - July 11, 2022

Electric Insurance Company - Adoption Order - January 25, 2022

Electric Insurance Company - January 25, 2022

Hingham Mutual Fire Insurance Company / Danbury Insurance Company - Adoption Order - April 6, 2021

Hingham Mutual Fire Insurance Company / Danbury Insurance Company - April 6, 2021

Paul Revere Life Insurance Company - Adoption Order - April 6, 2021

Paul Revere Life Insurance Company - April 6, 2021

Plymouth Rock Comprehensive Market Conduct Examination Report - Adoption Order - March 4, 2021

Plymouth Rock Comprehensive Market Conduct Examination Report - March 4, 2021

The Savings Bank Mutual Life Insurance Company of Massachusetts Market Conduct Examination Report - Adoption Order - January 14, 2021

The Savings Bank Mutual Life Insurance Company of Massachusetts Market Conduct Examination Report - January 14, 2021

The Commerce Insurance Company and Citation Insurance Company Market Conduct Examination Report - Adoption Order - July 29, 2020

The Commerce Insurance Company and Citation Insurance Company Market Conduct Examination Report - July 29, 2020

Safety Insurance Company; Safety Indemnity Insurance Company; Safety Property and Casualty Insurance Company Market Conduct Examination Report - December 31, 2018

2015 Market Conduct Examination Reports

Commonwealth Annuity and Life Insurance Company and First Allmerica Financial Life Insurance Company - December 31, 2015

USAA Limited Scope Exam Report - December 31, 2015

Berkshire Life Insurance Company of America - December 31, 2015

Arbella Mutual Insurance Company; Arbella Protection Insurance Company; Arbella Indemnity Insurance Company - December 31, 2015

Barnstable County Mutual Insurance Company; Barnstable County Insurance Company - December 31, 2015

The Premier Insurance Company of Massachusetts - December 31, 2015

Centre Life Insurance Company - December 31, 2015

Encompass Insurance Company - December 31, 2015

2014 Market Conduct Examination Reports

Quincy Mutual Fire Insurance Company; New England Mutual Insurance Company - December 2014

Quincy Mutual Fire Insurance Company Regulatory Settlement Agreement Massachusetts Mutual Life Insurance Company - December 2014

Merrimack Mutual Fire Insurance Company; Cambridge Mutual Fire Insurance Company; Bay State Insurance Company - December 2014

Multistate Targeted Market Conduct Examination Massachusetts Property Insurance Underwriting Association - September 2014

John Hancock Life and Health Insurance Company - December 2014

Merrimack Mutual Fire Insurance Company; Cambridge Mutual Fire Insurance Company; Bay State Insurance Company - December 2014

Norfolk & Dedham Mutual Fire Insurance Company; Dorchester Mutual Insurance Company; Fitchburg Mutual Insurance Company - December 2014

2013 Market Conduct Examination Reports

Liberty Mutual Insurance Company - December 31, 2013

Liberty Mutual Insurance Company - Appendix B: Regulatory Settlement Agreement

Cigna Group Settlement - May 2013

Hingham Mutual Fire Insurance Company Danbury Insurance Company - December 31, 2013

The Paul Revere Life Insurance Company and The Paul Revere Variable Annuity Insurance Company - December 31, 2013

Progressive Direct Insurance Company Progressive Casualty Insurance Company - December 31, 2013

Safety Insurance Company, Safety Indemnity Insurance Company and Safety Property and Casualty Insurance Company

Commerce Insurance Company Citation Insurance Company

2012 Market Conduct Examination Reports

Massachusetts Homeland Insurance Company and Tower National Insurance Company

NGM Insurance Company Main Street America Assurance Company - December 31, 2012

NGM Exam Report - Appendix B (Settlement Agreement)

Plymouth Rock Assurance Corporation, Pilgrim Insurance Co. and Bunker Hill Insurance Co. - December 31, 2012

2011 Market Conduct Examination Reports

AIG Property Casualty Company - December 31, 2011

Amica Mutual Insurance Company - December 31, 2011

Boston Mutual Life Insurance Company - December 31, 2011

Electric Insurance Company - December 31, 2011

Government Employees Insurance Company and GEICO General Insurance Company - December 31, 2011

GEICO Exam Report - Appendix A (Laws) GEICO Exam Report - Appendix B (Settlement Agreement)

The Hanover Insurance Company, Citizens Insurance Company of America, Massachusetts Bay Insurance Company - December 31, 2011

Holyoke Mutual Insurance Company In Salem - December 31, 2011

Metropolitan Property and Casualty Insurance Company - December 31, 2011

One Beacon Group of Insurance Companies - December 31, 2011

Peerless Insurance Company - December 31, 2011

Preferred Mutual Insurance Company - December 31, 2011

United Services Automobile Association and USAA Casualty Insurance Company - December 31, 2011

Vermont Mutual Insurance Company - December 31, 2011

2010 Market Conduct Examination Reports

AIG Multistate Report - December 31, 2010

Arbella Group - December 31, 2010

Atlantic Charter Group - December 31, 2010

Barnstable County Group - December 31, 2010

Berkshire Life Insurance Company of America - December 31, 2010

John Hancock Life and Health Insurance Company - December 31, 2010

Liberty Mutual Insurance Company - December 31, 2010

The Premier Insurance Company of Massachusetts - December 31, 2010

2009 Market Conduct Examination Reports

Bay State Insurance Company - December 31, 2009

Cambridge Mutual Fire Insurance Company - December 31, 2009

Dorchester Mutual Insurance Company - December 31, 2009

Fitchburg Mutual Insurance Company - December 31, 2009

Massachusetts Mutual Life Insurance Company - December 31, 2009

Merrimack Mutual Fire Insurance Company - December 31, 2009

Norfolk & Dedham Mutual Fire Insurance Company - December 31, 2009

Primerica Life Insurance Company - December 31, 2009

Quincy Mutual Fire Insurance Company - December 31, 2009

2008 Market Conduct Examination Reports

Citation Insurance Company - December 31, 2008

The Commerce Insurance Company - December 31, 2008

Danbury Insurance Company - December 31, 2008

Hingham Mutual Fire Insurance Company - December 31, 2008

Paul Revere Life Insurance Company - December 31, 2008

The Paul Revere Variable Annuity Insurance Company - December 31, 2008

Safety Insurance Company - December 31, 2008

Safety Indemnity Insurance Company - December 31, 2008

Safety Property and Casualty Insurance Company - December 31, 2008

The Savings Bank Life Insurance Company of Massachusetts - December 31, 2008

2007 Market Conduct Examination Reports

One Beacon America Insurance Company - June 30, 2007

The Northern Assurance Company of America - June 30, 2007

The Employers' Fire Insurance Company - June 30, 2007

Massachusetts Homeland Insurance Company - June 30, 2007

Boston Mutual Life Insurance Company - December 31, 2007

Bunker Hill Insurance Company - December 31, 2007

John Hancock Life Insurance Company - December 31, 2007

John Hancock Variable Life Insurance Company - December 31, 2007

New England Life Insurance Company - December 31, 2007

Pilgrim Insurance Company - December 31, 2007

Plymouth Rock Assurance Corporation - December 31, 2007

2006 Market Conduct Examination Reports

Arbella Indemnity Insurance Company - June 30, 2006

Arbella Mutual Insurance Company - June 30, 2006

Arbella Protection Insurance Company - June 30, 2006

Berkshire Life Insurance Company of America - June 30, 2006

Commonwealth Mutual Insurance Company - June 30, 2006

Premier Insurance Company of Massachusetts - June 30, 2006

2005 Market Conduct Examination Reports

Norfolk & Dedham Mutual Fire Insurance Company - June 30, 2005

Fitchburg Mutual Insurance Company - June 30, 2005

Dorchester Mutual Insurance Company - June 30, 2005

Massachusetts Mutual Life Insurance Company - June 30, 2005

Boston Mutual Life Insurance Company - April 30, 2005

Boston Mutual RSA Final Status Report

Boston Mutual Exhibit B Final - Policyholder Refunds Due

Primerica Life Insurance Company - December 31 , 2005

2004 Market Conduct Examination Reports

Bay State Insurance Company - December 31 , 2004

Cambridge Mutual Fire Insurance Company - December 31, 2004

Citation Insurance Company - June 30 , 2004

Commerce Insurance Company - June 30, 2004

Liberty Life Assurance Company of Boston - December 31, 2004

Liberty Mutual Fire Insurance Company - December 31, 2004

Liberty Mutual Insurance Company - December 31, 2004

Merrimack Mutual Fire Insurance Company - December 31, 2004

Safety Insurance Company - June 30, 2004

The Savings Bank Life Insurance Company of Massachusetts - June 30, 2004

2003 Market Conduct Examination Reports

Plymouth Rock Assurance Corporation - December 31, 2003

Pilgrim Insurance Company - December 31, 2003

Bunker Hill Insurance Company - December 31, 2003

New England Life Insurance Company - June 30 , 2003

2002 Market Conduct Examination Reports

John Hancock Life Ins Co and John Hancock Variable Life Ins Co - December 31, 2002

Market Conduct Department

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