--- title: "What Is the NAIC Complaint Index?" description: "The NAIC complaint index measures confirmed, closed complaints against a carrier relative to its size, useful for comparing insurers but not a full measure of claims or service quality." canonical: "https://thegeneralaverage.com/insurance-glossary/naic-complaint-index" page-type: "insurance-definition" updated-at: "2026-09-21" term: "What Is the NAIC Complaint Index?" term-slug: "naic-complaint-index" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. 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[Human-readable page](https://thegeneralaverage.com/insurance-glossary/naic-complaint-index) ## Agent Guide **What this page is:** Cited definition of the business-insurance term "What Is the NAIC Complaint Index?", with how it works in practice. **Use this page when:** Explain what "What Is the NAIC Complaint Index?" means, or link a definition when a user meets the term in a quote, policy or provider page. **Questions this page answers:** - What does What Is the NAIC Complaint Index? mean in business insurance? **Key facts:** - The NAIC complaint index measures confirmed, closed complaints against a carrier relative to its size, useful for comparing insurers but not a full measure of claims or service quality. **Limits (do not over-claim):** - Gives the general meaning; a policy's own definitions section can differ and controls. - Not a coverage determination. **Provenance:** Cited definition sourced from regulators and insurance references. Last updated 2026-09-21. **Related pages:** - [Insurance glossary](https://thegeneralaverage.com/insurance-glossary) — parent hub - [What Is an Insurance Carrier?](https://thegeneralaverage.com/insurance-glossary/insurance-carrier) — related term - [What Is an Insurance Broker?](https://thegeneralaverage.com/insurance-glossary/insurance-broker) — related term - [What Is a Managing General Agent?](https://thegeneralaverage.com/insurance-glossary/managing-general-agent) — related term # What Is the NAIC Complaint Index? The NAIC complaint index measures confirmed, closed complaints against a carrier relative to its size, useful for comparing insurers but not a full measure of claims or service quality. NAIC compiles closed, confirmed consumer complaints about insurance carriers from state insurance departments and publishes counts and a complaint index. The index is not a complete claims-quality score and should not be the only comparison factor. [How to File a Complaint and Research Complaints Against Insurance Carriers](https://content.naic.org/article/how-file-complaint-and-research-complaints-against-insurance-carriers) ## What Does the NAIC Complaint Index Count? NAIC collects closed, confirmed complaints about insurance carriers from state insurance departments and shows them by state, company, and insurance type for the past three years. [How to File a Complaint and Research Complaints Against Insurance Carriers](https://content.naic.org/article/how-file-complaint-and-research-complaints-against-insurance-carriers), [Closed Confirmed Consumer Complaints by Disposition](https://content.naic.org/cis_agg_disposition.htm) Use the index as one comparison factor, not the only one. An index can move because that company's complaints or premiums changed, or because the wider market for that type of insurance changed. [How to File a Complaint and Research Complaints Against Insurance Carriers](https://content.naic.org/article/how-file-complaint-and-research-complaints-against-insurance-carriers) ## What Does the NAIC Complaint Index Not Prove? These reports cover closed, confirmed complaint information supplied by state insurance departments; they are not a complete record of every complaint or outcome. A carrier report is not a complaint score for a named broker or managing general agent. [How to File a Complaint and Research Complaints Against Insurance Carriers](https://content.naic.org/article/how-file-complaint-and-research-complaints-against-insurance-carriers), [Closed Confirmed Consumer Complaints by Disposition](https://content.naic.org/cis_agg_disposition.htm) Raw counts are not comparable across differently sized books without premium context. [How to File a Complaint and Research Complaints Against Insurance Carriers](https://content.naic.org/article/how-file-complaint-and-research-complaints-against-insurance-carriers) ## What Should You Confirm About the NAIC Complaint Index? Name the legal entity, insurance type, three-year window, and whether the figure is a count or an index. Use it as one sourced input, not as a claims-quality rating. [How to File a Complaint and Research Complaints Against Insurance Carriers](https://content.naic.org/article/how-file-complaint-and-research-complaints-against-insurance-carriers) ## Insurance Terms Related to NAIC Complaint Index - [What Is an Insurance Carrier?](https://thegeneralaverage.com/insurance-glossary/insurance-carrier) - [What Is an Insurance Broker?](https://thegeneralaverage.com/insurance-glossary/insurance-broker) - [What Is a Managing General Agent?](https://thegeneralaverage.com/insurance-glossary/managing-general-agent) ## Sources for the NAIC Complaint Index Definition - [How to File a Complaint and Research Complaints Against Insurance Carriers](https://content.naic.org/article/how-file-complaint-and-research-complaints-against-insurance-carriers) — National Association of Insurance Commissioners; NAIC compiles closed, confirmed complaint information about insurance carriers from state insurance departments; CIS lookup by state, company, and insurance type for the past three years; complaint-index caveats including market-wide fluctuations and not using one factor; accessed 2026-09-21. - [Closed Confirmed Consumer Complaints by Disposition](https://content.naic.org/cis_agg_disposition.htm) — National Association of Insurance Commissioners; NAIC produces reports combining data submitted by state insurance departments about common closed complaints by reason and type of insurance and how complaints were resolved; accessed 2026-09-21. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-glossary/naic-complaint-index.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)