Independent research · Washington
Washington Insurance Market & Regulatory Intelligence
A source-backed view of Washington Office of the Insurance Commissioner verification paths, dated annual-report entity aggregates, SERFF rate-filing search, and regulatory-order lookup. This is not a ranking, recommendation, or Trust Score. Producer lists are restricted. Annual aggregates are not a live insurer roster.
Snapshot insurance-wa-state-intel-v1 · fingerprint 17128d3a8dac · as of 2026-09-04
Snapshot metrics
2,924
Universe · OIC 2025 regulated entities (annual-report aggregate)
Official 2025 annual-report wording: insurance and risk/non-risk bearing entities. Not a live company roster.
263
Domestic entities (annual report)
Dated 2025 aggregate. Not a live domestic-company roster.
Search only
Current · Producer / agency bulk roster
Producer lists are SOURCE_USE_RESTRICTED. Agency bulk was not acquired.
Search only
Observations · Rate filings and orders
SERFF and OIC orders remain lookup tools. Not scraped.
2025 annual report
As-of · OIC market aggregate
Dated annual-report grain, not current legal-company status.
Who regulates Washington insurance?
Washington Office of the Insurance Commissioner regulates insurance companies, agencies, individual producers, appointments, rate and form filings, orders, and complaints as described on official OIC pages. A producer is not an agency. An agency is not an insurer. A plan is not an insurer. NAIC is not NPN.
| Class | Identity | Establishes | Does not establish |
|---|---|---|---|
| Insurance company / legal insurer | NAIC company code + Washington authorization when an OIC company record says so | Legal insurer identity; Washington authority only when OIC says so | NAIC identity alone is not Washington authorization. A brand is not the legal insurer. |
| Insurance agency / business entity | WAOIC / NPN when the lookup returns a business entity | Business-entity credential when a live lookup record says so | Not an insurer. Not an individual producer. |
| Individual producer | NPN / WAOIC person credential | Person license when a live lookup record says so | Not an agency. Not published as a person directory here. |
| Appointment | Producer/agency to insurer relationship when source-native | Authority to represent a company when the source says so | Not quality. Not acquired as a bulk graph this ticket. |
| Plan | CMS Marketplace or Medicare contract/plan ID when already in the national overlay | Federal plan identity where already stored | A plan is not an insurer. Marketplace participation is not OIC authority. |
Market findings
- OIC's 2025 annual report is a dated entity composition, not a live roster. The official 2025 annual report counts insurance and risk/non-risk bearing entities as an aggregate split domestic / foreign / alien. That is not a current authorized-company download. This does not mean 2,924 Washington insurance companies; live licensed-insurer census.
- Producer lists are commercially restricted; company lookup remains search-only. RCW 42.56 and OIC's list-of-individuals process block commercial producer mailing lists. Agent, agency, and company verification stays on the official lookup. This does not mean zero Washington producers; zero Washington agencies.
- Rate filings and orders are official research paths, not scraped bulk files. SERFF Filing Access and the OIC orders search are live official tools. A rate filing is not a consumer quote. An order is not a quality score. Name-only attach is unsafe. This does not mean TrustHub has a complete Washington order extract; SERFF search equals current premium.
- Federal Marketplace/Medicare evidence is not Washington OIC authority. No Washington-safe Marketplace plan census is in the committed CMS overlays used here. Existing NAIC/CMS identities stay national. Marketplace participation is not state authority. This does not mean Washington has no health-insurance market; CMS listing authorizes a company in Washington.
How to verify an insurer, agency, or producer
The OIC Agent and Company Lookup is the live official verification path. A lookup hit is not a TrustHub profile and is not a bulk roster. Existing InsuranceTrustHub insurer/agency research tools remain national graph tools, not a substitute for OIC verification.
- OIC Agent and Company Lookup — live official verification. Not scraped. Not a TrustHub shadow directory.
- Existing InsuranceTrustHub carrier research and directory are national graph tools plus OIC verification — not a Washington roster substitute.
- License verification tool
OIC 2025 annual-report aggregates
OIC 2025 annual report aggregate of insurance and risk/non-risk bearing entities supervised/regulated in that report year, split domestic / foreign / alien. This is not a downloadable company roster and is not a current authorized-insurer census.
2,924
Regulated entities
Official label: insurance and risk/non-risk bearing entities. Not “2,924 Washington insurance companies.”
263
Domestic
2,590
Foreign
71
Alien
Trace this number
- Source
- https://www.insurance.wa.gov/sites/default/files/2026-07/oic-annual-report-2025.pdf
- Source date
- 2025 annual report (PDF posted 2026-07)
- Denominator
- OIC 2025 annual-report entity total
- Calculation
- Official report figures 263 domestic + 2,590 foreign + 71 alien = 2,924.
- Reporting grain
- dated annual-report aggregate
- Coverage
- PUBLIC_BULK_OK as aggregate only
- Caveat
- OIC 2025 annual report aggregate of insurance and risk/non-risk bearing entities supervised/regulated in that report year, split domestic / foreign / alien. This is not a downloadable company roster and is not a current authorized-insurer census.
What TrustHub does not have as a roster
Restricted is not zero. Search-only is not zero. Do not invent a Washington producer count.
No unrestricted official agency CSV/API was acquired. Missing is not zero.
SOURCE_USE_RESTRICTED / SEARCH_ONLY
WA_PRODUCER_BULK_ROSTER
RCW 42.56 lists of individuals for commercial purposes. Restricted is not zero.
SOURCE_NOT_ACQUIRED / OPEN_SEARCH_ONLY
WA_AGENCY_BULK_ROSTER
Missing is not zero. Search-only is not zero.
Individual-list request path: OIC request for list of individuals. No commercial-use declaration was submitted and no person list was acquired.
Rate filings
OPEN_SEARCH_ONLY. A rate filing is not a consumer quote, not insurer quality, and not an approved price for every policyholder. Health, property/casualty, life, and other classes are researchable in SERFF as filed — this page does not scrape them.
Regulatory orders
OIC orders remain OPEN_SEARCH_ONLY. Name-only attach is UNSAFE_FOR_ADVERSE_PROFILE_ATTACH. Notice is not a final order. An order is not a complaint. Order count is not quality. Fine is not consumer loss.
Complaints and market conduct
File-a-complaint and annual-report context only. No company complaint ranking.
Complaint is not a violation. No complaint found is not a clean record. Company complaint rates are not published without an exposure denominator.
Federal overlay
Committed CMS county summaries and Medicare routes do not contain a Washington-safe Marketplace plan census. Existing national CMS/NAIC identities are not Washington OIC authorization. No new federal ingest was performed.
SOURCE_NOT_SPLIT / NOT_USED
CMS Marketplace Washington projection
Marketplace participation is not OIC company authority and is not a recommendation.
Evidence depth
Unknown is not zero. Restricted is not zero.
| Family | Access | Count | Identity | Limitation |
|---|---|---|---|---|
| OIC company lookup | SEARCH_ONLY | Unknown / not acquired | NAIC / WAOIC when returned | Not scraped. Not a roster. |
| OIC agency/producer lookup | SEARCH_ONLY | Unknown / not acquired | NPN / WAOIC when returned | Producer != agency. Person lists SOURCE_USE_RESTRICTED. |
| OIC annual report | PUBLIC_BULK_OK as aggregate | 2,924 | none (aggregate) | Not a live company census. |
| OIC rate filings / SERFF | SEARCH_ONLY | Unknown / not acquired | NAIC on a filing when the search returns one | Not scraped. Filing != quote. |
| OIC orders | SEARCH_ONLY | Unknown / not acquired | exact NPN/NAIC/WAOIC only | Not scraped. Name-only UNSAFE. |
| complaint / market conduct | ANNUAL_OR_SEARCH_CONTEXT | Unknown / not acquired | not attached | No company complaint rate. Complaint != violation. |
| federal Marketplace overlay | SOURCE_NOT_SPLIT / NOT_USED for WA projection | Unknown / not acquired | CMS contract/plan where already stored nationally | Marketplace participation != OIC authority. |
| canonical insurer graph | EXISTING_GRAPH | Unknown / not acquired | NAIC CoCode where already stored | No new organizations minted this ticket. |