Terms

Last updated 12 November 2026

These terms cover your purchase and use of SerffSurf Instant Report, sold by Horizon Solutions, LLC (dba SerffSurf) ("we"). By buying a report you agree to them.

The product

One report costs $49.00 USD, paid once. It is a workers' compensation competitor rate-filing comparison for one subject company in one state, generated from SerffSurf release r7 (20261110T0459Z-874e515c1e; data as of 9 November 2026). It is not a subscription, it is not a live data feed, and it does not give access to the full SerffSurf platform, which is offered separately.

Information, not advice

Reports are information compiled from public SERFF rate filings. They are not an actuarial opinion, not a statement of actuarial opinion, and not legal, regulatory or investment advice. Check any figure against its source filing before relying on it; every figure in a report lists its SERFF tracking number.

Coverage

Coverage differs by state, as the site describes. Loss-cost states use the published SerffSurf ranks and percentiles; smaller fields state a position band; deviation states report the filed deviation without a rank. LCMs are compared only within one state, never across states or bureaus. We refuse orders before checkout where the release cannot support a meaningful report, and give the reason.

Delivery

After payment is verified, your report is delivered on screen through a private link that expires after 30 days, along with an HTML download. Save a copy, for example with Print → Save as PDF. We don't store a copy for you.

Refunds

Full refund within 14 days if the report was not generated or is materially incorrect. Email contact@horizonsols.com with your receipt and a short description. Refunds go back to the original payment method through Stripe.

Use

You may use and share the report within your organization and with your advisers. Please don't resell it or republish it in bulk.

Liability

To the extent the law allows, our total liability for any report is limited to the amount you paid for it, and we are not liable for indirect or consequential losses.

Contact

Horizon Solutions, LLC · contact@horizonsols.com

SerffSurf Instant Report is a product of Horizon Solutions, LLC. Figures are drawn from public SERFF rate filings as processed in SerffSurf release r7 (20261110T0459Z-874e515c1e; data as of 2026-11-09). This is information, not an actuarial opinion, and is not advice. LCMs are comparable only within one state, never across states or bureaus. Treat every number as checkable against the source filing.