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CA Department of Insurance

Field Rating and Underwriting Bureau

The Field Rating & Underwriting Bureau (FRUB) is a member of the Consumer Services and Market Conduct Branch of the California Department of Insurance. FRUB conducts examinations of California licensed insurers' rating and underwriting practices.  FRUB's market conduct examination results are documented in reports filed with the Insurance Commissioner.

About Field Rating & Underwriting Bureau Examinations

Field Rating & Underwriting Bureau exams focus on customer selection, sales, marketing, and pricing in all property and casualty, and life and health lines of insurance. FRUB staff members travel across California and the entire United States conducting these market conduct examinations. The availability and affordability of insurance for consumers are key areas of focus for these examinations. FRUB examiners document alleged violations of law for possible enforcement actions and work with insurers to implement corrective measures. These corrective measures include the implementation of new guidelines and procedures that serve to protect both current and future policyholders, andthe recovery of overcharged premium dollars for consumers. 

Public reports of market conduct examinations are available for viewing.


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