---
title: "Carrier solvency/distress dossier (receivership + enforcement)"
method: GET
path: "/v1/solvency"
---

# Carrier solvency/distress dossier (receivership + enforcement)

`GET /v1/solvency`

## Request

- Base URL: `https://api.querylines.com`
- URL: `https://api.querylines.com/v1/solvency`
- Auth: none declared

Lookup mode (`insurer` given): a company's receivership estate(s) plus its enforcement actions inline, across the covered states unless narrowed with `state` -- unknown company returns empty arrays, never a 404. Browse mode (omitted): receivership estates, optionally filtered by `state` and `status`. Companies match by normalized name (no NAIC number is published). $0.10 per query.

## Query parameters

- `insurer` string
- `state` string
- `status` 'rehabilitation' | 'liquidation' | 'conservation' | 'closed'
- `limit` integer

## Response `200`

Dossier mode: `receiverships` + `enforcement_actions` + `in_receivership`. List mode: `receiverships` + `count`.

- object
  - `query` string, nullable: Dossier mode: echoes `insurer`.
  - `state` string, nullable: Echoes the `state` filter, or null for cross-state.
  - `in_receivership` boolean: Dossier mode: true if any non-closed estate matches.
  - `status` string, nullable: List mode: echoes `status`.
  - `count` number: List mode: length of `receiverships`.
  - `receiverships` object[]
    - `state` string, required: Jurisdiction of the receivership, e.g. 'FL', 'TX'.
    - `company_name` string, required
    - `naic_code` string, nullable, required: Not published by the source; filled best-effort from a name crosswalk.
    - `status` 'rehabilitation' | 'liquidation' | 'conservation' | 'closed', required
    - `coverage_type` string, nullable, required: e.g. 'Property and Casualty', 'Life and Health'.
    - `case_number` string, nullable, required: Court case number, e.g. '2021 CA 0641'.
    - `guaranty_associations` string[], nullable, required: Guaranty associations covering the estate.
    - `domicile` string, nullable, required
    - `rehabilitation_date` string, nullable, required: ISO date; null if N/A.
    - `liquidation_date` string, nullable, required
    - `policy_cancellation_date` string, nullable, required
    - `claims_deadline` string, nullable, required
    - `discharge_date` string, nullable, required: Closed estates only.
    - `detail_url` string, required: Source page for the estate.
  - `enforcement_actions` object[]: Dossier mode only.
    - `state` string, required: Jurisdiction of the enforcement action, e.g. 'FL', 'TX'.
    - `company_name` string, required
    - `naic_code` string, nullable, required: Not published by the source; crosswalk-filled.
    - `action_type` 'fine' | 'suspension' | 'revocation' | 'denial' | 'examination' | 'investigation', required
    - `line_of_insurance` string, nullable, required: e.g. 'Property & Casualty'.
    - `fine_amount` number, nullable, required: USD; null for non-fine actions.
    - `reason` string, nullable, required: Paraphrased basis for the action (facts only).
    - `license_type` string, nullable, required: For license actions, e.g. 'Certificate of Authority'.
    - `case_number` string, nullable, required: Consent/final order number; null when resolved by penalty letter.
    - `period` string, required: Calendar year the OIR annual report covers, e.g. '2025'.
  - `report_date` string, nullable, required
  - `data_as_of` string, nullable, required
  - `source` string, nullable, required
  - `coverage_note` string, required
  - `financial_distress` object, nullable: Cross-reference into the insurer-financials dataset (migration 0018), resolved by naic_code when the dossier's own receivership/enforcement rows carry one, else by normalized company name; null when neither resolves to a carrier with any loaded financials.
    - `naic_id` string
    - `company_name` string
    - `latest_fiscal_year` number
    - `combined_ratio` number, nullable: From latest_fiscal_year's row.
    - `capital_surplus` number, nullable: From latest_fiscal_year's row.
    - `iris_ratios_outside_range` number, nullable: From the carrier's MOST RECENT fiscal year that has this figure populated -- may be an EARLIER year than latest_fiscal_year (NAIC IRIS results lag the statement year), so this is not necessarily latest_fiscal_year's own value. See iris_ratios_outside_range_year for which year it came from. NULL means no year in the loaded series has a published figure, never zero outside-range ratios.
    - `iris_ratios_outside_range_year` number, nullable: The fiscal year iris_ratios_outside_range came from.
    - `source` string

## Other responses

- `400`: Invalid query parameters.
- `402`: Payment required (x402). Returned when the x402 payment gate is enabled (PAY_TO_ADDRESS configured) and the request carries no valid payment. The full payment challenge (price/network/payTo/asset) is carried in the base64-encoded PAYMENT-REQUIRED response header (see the x402 spec), not the JSON body -- the body is `{}` for API clients. Price for this route: $0.10. Retry with a signed payment per x402 (USDC on Base mainnet); on success the response carries a PAYMENT-RESPONSE header with settlement info. When PAY_TO_ADDRESS is unset (kill switch off), this route is free and never returns 402.
- `500`: Internal error.

---

[API](https://skmtc.dev/querylines/apis/querylines-api.md) · [All operations](https://skmtc.dev/querylines/apis/querylines-api/llms.txt) · [OpenAPI document](https://skmtc.dev/querylines/apis/querylines-api/revisions/4afb6c3e2b1f?raw)