Independent research · New Jersey

New Jersey Insurance Market & Regulatory Intelligence

A source-backed view of New Jersey admitted carriers, NJDOBI enforcement and examinations, auto complaint reports, Individual Health Coverage, Small Employer Health, Get Covered NJ participation, and residual-market programs. This is not a ranking, recommendation, or Trust Score.

Existing agency catalog pages remain at /hubs/new-jersey. Those pages are not this official-source intelligence snapshot.

Snapshot insurance-nj-state-intel-v1 · fingerprint bcab35631a04 · as of 2026-09-02

1,370

Universe · admitted legal insurers with exact NAIC

NJDOBI Licensed Insurance Carriers census. Admitted is not surplus-lines eligible. This is not a count of companies serving every New Jersey consumer.

3,821

Current · enforcement events

Index events in the acquired DOI + BFD corpus. Not every action ever issued. Missing years are not zero.

3,392

Observations · document links

Document-link grain. Not unique hashes and not unique orders.

statewide

Geography · New Jersey

Statewide official sources. This page does not create county routes or infer service area from domicile.

2026-09-02

As-of · snapshot date

As-of is the audited artifact date, not a live database clock.

Market findings

NJDOBI's licensed-carrier census in the acquired snapshot lists 1,370 admitted legal insurers, each with an exact NAIC company code. That census is not a surplus-lines eligible list and is not a count of companies serving every New Jersey consumer.
The acquired NJDOBI enforcement corpus contains 3,821 events and 3,748 unique orders. Those grains are not interchangeable with 3,392 document links or 3,356 unique hashes.
Individual Health Coverage and Small Employer Health are separate programs. Get Covered NJ participation is an official asterisk observation, not an endorsement. Residual-market programs (NJIUA/FAIR, PAIP, SAIP, CAIP) are not voluntary insurers.
SERFF Filing Access returned HTTP 403, so this page does not report a filing count. NJCRIB Plan Risk was acquired under terms that forbid redistribution and database supplementation, so employer/producer/carrier rows are withheld.

Carrier authorization

Admitted-insurer rows are legal entities with NAIC company codes. They are not appointments, not producer licenses, and not surplus-lines eligible companies. A missing surplus-lines census is not zero eligible companies.

1,370

Admitted legal insurers

Exact NAIC company codes. Legal-entity grain.

not in this census

Surplus-lines eligible

Official whitelist exists. SOURCE_NOT_ACQUIRED as a public count. Missing is not zero.

Class in this snapshot: admitted insurer 1,370. License is not an appointment. A group is not a company. A producer is not an insurer.

NJDOBI licensed insurance carriers · Surplus-lines eligible list (not ingested)

Trace this number

Source: NJDOBI Licensed Insurance Carriers with NAIC numbers
Source date: 2026-09-02
Denominator: 1,370 admitted legal-entity rows
Calculation: Count of source rows with exact NAIC; all classified ADMITTED_INSURER
Reporting grain: Legal entity, not group, not appointment
Coverage: ACQUIRED_CURRENT_SNAPSHOT for admitted; SOURCE_NOT_ACQUIRED for surplus-lines eligible census
Caveat: Admitted-insurer rows are legal entities with NAIC company codes. They are not appointments, not producer licenses, and not surplus-lines eligible companies. A missing surplus-lines census is not zero eligible companies.

Enforcement

An enforcement event is not a document. A consent order is an instrument, not a quality score. Bureau of Fraud Deterrence consent records are classified from official page headings. Unresolved and individual respondents are not attached to public profiles. Missing 2008 DOI pages are SOURCE_NOT_ACQUIRED, not zero actions.

3,821

Events

Index event grain.

3,748

Unique orders

Order-number grain.

3,392

Document links

Not unique hashes.

3,356

Unique hashes

Canonical document identity.

Instrument class

CEASE AND DESIST: 2
CONSENT ORDER: 3,288
FINAL ORDER: 192
ORDER TO SHOW CAUSE: 336
OTHER: 2
REVOCATION: 1

Sanction class (separate from instrument)

CIVIL PENALTY: 3,336
DENIAL: 29
FRAUD SURCHARGE: 64
RESTITUTION: 109
REVOCATION: 427
SETTLEMENT: 47
SURRENDER: 35
SUSPENSION: 22

Bureau of Fraud Deterrence

2,241 BFD events in the acquired corpus, classified from official page headings: CONSENT ORDER 2,241. Remaining OTHER 0; remaining UNKNOWN 0.

Identity treatment: exact NAIC 117; internal-only individuals 6,316; unresolved 938; review-required 39. Unresolved evidence is not profile-attached. Individual actions are not copied to an agency. Absence of a matching record is not a clean history. This section is not an enforcement ranking.

DOI 2008 coverage is SOURCE_NOT_ACQUIRED. That missing year is not a finding of zero actions.

NJDOBI Division of Insurance enforcement · Bureau of Fraud Deterrence enforcement

Trace this number

Source: NJDOBI DOI and BFD enforcement indexes
Source date: 2026-09-02
Denominator: 3,821 events in the acquired corpus
Calculation: Event count from audited NJ-INS-001/001C; unique orders and document hashes counted separately
Reporting grain: INDEX occurrence ≠ event ≠ document ≠ unique hash
Coverage: Partial history; 2008 DOI SOURCE_NOT_ACQUIRED
Caveat: An enforcement event is not a document. A consent order is an instrument, not a quality score. Bureau of Fraud Deterrence consent records are classified from official page headings. Unresolved and individual respondents are not attached to public profiles. Missing 2008 DOI pages are SOURCE_NOT_ACQUIRED, not zero actions.

Document depth

Index-only rows are not missing-as-zero documents. Image-only PDFs were not bulk-OCR’d.

Grain	Count
enforcement events	3,821
unique orders	3,748
document links	3,392
unique hashes	3,356
hash-verified documents	3,385
index-only rows	663
source-unavailable documents	7
text-extracted PDFs	353
image-only PDFs	3,026

Market-conduct examinations

A market-conduct examination is not an enforcement action and is not a financial examination. Name-only and multi-entity reports stay unresolved or review-required. They are not attached to public insurer profiles. No exam score is published.

Reports

Exact NAIC

None attached.

Name-only unresolved

Multi-entity review

Converted to enforcement: 0. No exam score is published. Ambiguous market-conduct reports are withheld from profiles.

NJDOBI market-conduct examinations

Financial examinations

A financial examination may attach only on an exact NAIC match to an already-published legal-insurer profile. It is not a solvency rating, not enforcement, and not a market-conduct report. Unresolved identities are withheld.

129

Reports

117

Exact NAIC

May attach only to an already-published legal-insurer profile.

Unresolved

Converted to enforcement: 0. A financial examination is not a market-conduct examination and is not enforcement.

NJDOBI financial examination reports

Auto consumer complaint report

A valid complaint is not a violation. A group row stays at group grain and is not copied onto a legal subsidiary. Incomplete historical years are not a finding of zero complaints.

Official auto consumer information report: valid complaints per 1,000 insured autos; index 1.00 = average. Ratios are for companies or groups with at least 10,000 insured autos.

Rows

Years 2023 and 2024.

31 / 19

Group / company grain

Group rows stay at group grain.

A valid complaint is not all complaints and is not a violation. Eligibility threshold: 10,000 insured autos. No complaint ranking is published. Group complaint index is not copied to a subsidiary.

NJDOBI auto consumer information

Individual Health Coverage (IHC)

IHC is not SEH. An official average rate change is not every consumer’s premium. Brand-grain carrier names are not NAIC legal entities. Missing quarters are not zero enrollment.

Coverage ACQUIRED_PARTIAL_HISTORY. Latest official enrollment-index period: 2026 Q1 (official enrollment-index quarter; covered-lives totals are not in the committed public snapshot). Statewide covered-lives total is not in the committed public snapshot. A missing quarter is not zero enrollment.

Rate-change years 2020–2026: 42 observations. Plan-count rows: 117. Off-marketplace enrollment rows: 24. Exact NAIC: 0.

Brand-grain carriers: Aetna, Ambetter from WellCare of New Jersey, AmeriHealth, AmeriHealth HMO, Horizon, Oscar, Oxford, UnitedHealthcare, WellCare.

An official average rate change is not every consumer’s premium. IHC is not SEH.

IHC/SEH enrollment index · Average rate changes

Small Employer Health (SEH)

SEH is not IHC. Statutory loss ratio is not a quality score and is not federal MLR. Brand-grain names are not NAIC legal entities.

Coverage ACQUIRED_PARTIAL_HISTORY. Latest official enrollment-index period: 2026 Q1. Statewide enrollment total is not in the committed public snapshot.

Rate-change years 2020–2026. Brand-grain carriers: AmeriHealth, AmeriHealth HMO, Horizon, Oscar, Oxford, Oxford HMO. Loss-ratio year 2024: 18 rows. Loss ratio is not a quality score. Exact NAIC: 0.

IHC/SEH enrollment index

Get Covered NJ

Marketplace participation is not an endorsement, ranking, or proof of current enrollment.

Official IHC average-rate-change asterisk, not the Get Covered NJ marketing homepage. Plan years 2020–2026.

Participating names in the acquired asterisk observations: Aetna, Ambetter from WellCare of New Jersey, AmeriHealth, Horizon, Oscar, UnitedHealthcare, WellCare.

IHC writers that appear without a marketplace asterisk in acquired tables: AmeriHealth, AmeriHealth HMO, Horizon, Oscar, Oxford. Marketplace participation is not an endorsement.

Residual markets

Residual placement is not a quality or wrongdoing flag. NJIUA is not a voluntary insurer. PAIP is not CAIP. SAIP is not an insurer.

New Jersey Insurance Underwriting Association (FAIR Plan)

Program code: NJIUA_FAIR
Not a voluntary insurer
Not a legal carrier
Residual placement is not a quality flag

New Jersey Personal Auto Insurance Plan (PAIP)

Program code: PAIP
Not a voluntary insurer
Oversees SAIP
Residual placement is not a quality flag

Special Automobile Insurance Plan (SAIP)

Program code: SAIP
Not an insurer
Separate from PAIP
Residual placement is not a quality flag
Official PAIP narrative states PAIP oversees SAIP. No dedicated SAIP program page was published on the residual-market index.

New Jersey Commercial Automobile Insurance Plan (CAIP)

Program code: CAIP
Not a voluntary insurer
Separate from PAIP
Residual placement is not a quality flag

NJDOBI property and casualty residual markets

NJCRIB Plan Risk

Plan Risk is downloadable without login, but NJCRIB terms forbid copying/redistribution and using content to supplement a database. Those terms are absolute. Restricted rows are not rendered.

Access classification PUBLIC_WITH_TERMS. Publication allowed: no. This page publishes coverage statement and terms determination only. Withheld: employer names, producer names, carrier relationships, modification factors, Plan Risk rows, county distributions, downloadable transformed dataset, raw DAT file. Restricted rows are not rendered and are not downloadable here.

SERFF filing access

A blocked source is not zero filings. This page does not display a SERFF filing count. Filed is not approved.

Coverage SOURCE_ACCESS_BLOCKED (HTTP 403). A blocked source is not zero filings. Filed is not approved. No access-control bypass was attempted.

SERFF Filing Access for New Jersey

Rehabilitation / liquidation

Status is only what NJDOBI publishes on the official rehabilitation/liquidation page. Names in that listing were not committed as an exact-NAIC attach index, so they are not copied onto public insurer profiles. Insolvency is not inferred from other families.

Official entities

Liquidation

Rehabilitation

Status is only what NJDOBI publishes. Insolvency is not inferred. Names are not copied onto public insurer profiles from this unresolved listing.

NJDOBI companies in rehabilitation or liquidation

Profile evidence modules

NJ exact-NAIC ledgers are not committed as a public attach index. Existing 26 legal-insurer profiles are unchanged. Exact NAIC financial exams may attach later when the identifier is on an already-published profile. Review-required, unresolved, name-only, synthetic, and individual evidence is withheld.

Public profile links rendered on this page: 0. Withheld review / unresolved / unsafe rows: 1,006. Internal-only individuals: 6,316. No public person expansion. Bail-bond firewall preserved.

Existing legal-insurer research profiles remain at /insurers.

Coverage gaps

Unknown is not zero.

Gap	State	Meaning
DOI enforcement 2008	SOURCE_NOT_ACQUIRED	Missing year is not zero enforcement actions.
Surplus-lines eligible census	SOURCE_NOT_ACQUIRED	Admitted census is not a surplus-lines count. Missing is not zero eligible companies.
SERFF Filing Access	SOURCE_ACCESS_BLOCKED	Blocked access is not zero filings.
NJCRIB Plan Risk republication	PUBLIC_WITH_TERMS	Acquired internally; withheld from public metrics under source terms.
IHC covered-lives statewide total	NOT_IN_COMMITTED_PUBLIC_SNAPSHOT	Missing total is not zero enrollment.
SEH enrollment statewide total	NOT_IN_COMMITTED_PUBLIC_SNAPSHOT	Missing total is not zero enrollment.
Auto complaint years before 2023	SOURCE_NOT_ACQUIRED	Partial history is not a clean complaint record.
Market-conduct exact NAIC	UNRESOLVED_OR_REVIEW_REQUIRED	Ambiguous reports are withheld from profiles.
HMO / title / captive / RRG completeness	NOT_CLAIMED	The admitted census is not a complete subtype universe.

What changed

These are source observations, not a retrieval timestamp.

DOI 2008 enforcement index remains SOURCE_NOT_ACQUIRED (HTTP 404 on the official year page). (NJ_DOBI_DOI_ENFORCEMENT)
BFD 2018–2026 consent records in the acquired corpus classify as CONSENT_ORDER from official page headings (remaining OTHER = 0). (NJ_DOBI_BFD_ENFORCEMENT)
IHC/SEH average-rate-change tables cover plan years 2020–2026; the 2026.html year page 404s while 2026 lives on the index. (NJ_IHC_RATE_CHANGE)
SERFF Filing Access home returned HTTP 403. No filing corpus was acquired. (NJ_SERFF_FILING)
NJCRIB Plan Risk DAT is downloadable without login but terms forbid redistribution and database supplementation. (NJ_CRIB_PLAN_RISK)

Existing New Jersey agency hubs

Phase 9 agency hubs stay on their current routes. They are not this intelligence snapshot and are not county pages.

Independent directory. Not affiliated with any insurance carrier, agency, or agent. All information is for research purposes only. Always verify licensing directly with your state's Department of Insurance, NAIC, or official sources before engaging any provider.

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