Law Manual

2025 P/C Loss Reserve Law Manual

Publish Date:

11/19/2025

Category:

Policy & Research

Topics:

Casualty

The Academy’s P/C Loss Reserve Law Manual is designed to help appointed actuaries know the National Association of Insurance Commissioners (NAIC) annual statement requirements for statements of actuarial opinion (SAOs). The manual contains a compilation of insurance laws relating to P/C loss and loss expense reserves for all 50 states, Washington, D.C., and Puerto Rico. Users can directly access each jurisdiction’s laws, making it a useful reference tool for actuaries. What’s Inside?
  • SAO requirements and the laws and regulations establishing those requirements;
  • Annual statement instructions for the SAO for property/casualty, title loss, and loss expense reserves; and
  • Other pertinent annual statement instructions.
The Manual is available online, allowing actuaries to easily access relevant requirements, laws, and regulations. For those who focus on specific states, the manual is available by jurisdiction, providing an excellent option for actuaries to select areas relevant to their work. Use the order form below to place your order online.

ORDER FULFILLMENTS

Please anticipate that it will take up to 2 business days to process your order and prepare your law manual for download. You will receive notification via email when your law manual is ready to access.

 

Single-user web access gives one person unlimited online access to the 2026 Property/Casualty Loss Reserve Law Manual until Dec. 31, 2028. The subscriber receives a username and password to access the manual online. The subscriber is prohibited from sharing the username and password with any other persons.

Member: $900
Non-member: $1,325

Multiple-user web access permits a company and its affiliates to give employees unlimited web access to the 2026 Property/Casualty Loss Reserve Law Manual until Dec. 31, 2028. The subscriber receives one username and one password that can be distributed to employees who want access to the manual online.

Group: $3,400

Per-jurisdiction web access gives one subscriber unlimited online access to the subscriber’s selected jurisdictions of the 2026 Property/Casualty Loss Reserve Law Manual until Dec. 31, 2028. The subscriber receives a username and password to access the manual online. The subscriber is prohibited from sharing the username and password with any other persons.

Member: $185
Non-member: $265

Select jurisdiction from the drop-down menu below to order. Hold the "Ctrl" key to select more than one.

Order

Please note the Academy and NAIC own the copyright in materials comprising the law manual. No portion of the law manual may be reprinted or copied in whole or in part, or resold without the express consent of the Academy and the NAIC, as applicable.

Questions

Nonmembers and those who would prefer to order by mail can request an order form by emailing pegram@actuary.org. For additional information, please contact Rashaud Pickering, pickering@actuary.org.

The manual was created as an easy reference tool only and should not be relied upon as a definitive source or as a substitute for your own thorough review of the applicable laws, regulations, rules, bulletins, or other materials published by the relevant state or federal governments or agencies. This manual is also not a substitute for legal advice on the subject matter.