What triggers a massive rate increase after claims on a commercial property policy, and do all insurance carriers in my state use the same penalty guidelines?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What triggers a massive rate increase after claims on a commercial property policy, and do all insurance carriers in my state use the same penalty guidelines?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
New York commercial property insurance rate regulation prior approval loss experience underwriting surcharges claims DFS Google ↗
New York Insurance Law commercial property casualty rates large commercial risks loss experience rating insurer rate filings Google ↗
- New York Insurance Law § 2304 (2025) - Rate Making and Supporting Information. :: 2025 New York Laws :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- NYS Open Legislation · nysenate.gov
- N.Y. Comp. Codes R. & Regs. Tit. 11 § 161.8 - Rating plan rules and standards | State Regulations | US Law · law.cornell.edu
- Property Insurers: Filing Instructions · dfs.ny.gov
- NYS Open Legislation · nysenate.gov
- Statutes, Regulations and Circular Letters for Property & Casualty Lines · dfs.ny.gov
- NYSDFS: Affordable Housing and Insurance - November 22, 2022: A Report on Increases in Insurance Premiums and Unavailability of Insurance Coverage for Affordable Housing Developments in New York, Pursuant to Chapter 790 of the Laws of 2021 and Chapter 158 of the Laws of 2022 · dfs.ny.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
New York commercial property insurance rate regulation prior approval loss experience underwriting surcharges claims DFS OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
New York Insurance Law commercial property casualty rates large commercial risks loss experience rating insurer rate filings OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |