Policy Fee and Service Charge Schedules
This dataset provides a detailed schedule of non-premium insurance fees—including policy, service, installment, reinstatement, NSF, audit, and other administrative charges—organized by US state and insurance product type, with effective and expiration dates for each entry. It enables regulatory compliance checks, fee benchmarking, and operational integration for insurers and agencies. The dataset is ideal for pricing analysis, state-by-state comparisons, and policy administration.
Sample rows
preview · 8 of 300 rows · all 14 columns| schedule_idstring | product_typestring | audit_feefloat | statestring | policy_feefloat | service_feefloat | installment_feefloat | reinstatement_feefloat | nsf_feefloat | other_admin_feefloat | fee_currencystring | effective_datedate | expiration_datedate | notesstring |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FS-00001 | Auto | 0 | CA | 28.5 | 6.75 | 3 | 16 | 12.5 | 1 | USD | 2020-01-01 | 2022-01-01 | Standard auto policy fees for CA; annually reviewed |
| FS-00002 | Homeowners | 0 | NY | 26 | 5 | 2 | 20 | 14 | 2.5 | USD | 2021-03-01 | 2023-03-01 | First year after system migration |
| FS-00003 | Commercial Property | 75 | TX | 85 | 15.5 | 10 | 48 | 32 | 4 | USD | 2022-06-01 | 2023-06-01 | Premium segment with higher fees |
| FS-00004 | Auto | 0 | FL | 0 | 0 | 0 | 0 | 0 | 0 | USD | 2023-01-01 | blank | Promotional: Zero fees for new policyholders |
| FS-00005 | Homeowners | 0 | IL | 32 | 7 | 3.5 | 12 | 10 | 3 | USD | 2020-09-01 | blank | Standard home policy fees for IL market |
| FS-00006 | Commercial Property | 100 | WA | 99.99 | 20 | 12 | 60 | 41 | 7.5 | USD | 2024-01-01 | 2024-01-02 | Edge case: 1-day schedule for high-risk region |
| FS-00007 | Auto | 0 | GA | 22 | 5.25 | 2.5 | 15 | 11 | 0 | USD | 2021-06-01 | blank | Segment: budget auto policies – minimal fees |
| FS-00008 | Homeowners | 0 | NC | 19.5 | 4.25 | 1 | 8.5 | 9 | 1.75 | USD | 2020-05-01 | 2022-05-01 | Low fees for rural market segment |
| FS-00009 | Commercial Property | 60 | OH | 55 | 12 | 8 | 40 | 28 | 5 | USD | 2023-07-01 | 2024-01-01 | One-time fee schedule for limited commercial pilot |
| FS-00010 | Auto | 0 | PA | 27 | 6.5 | 3.5 | 13 | 13.5 | 1.25 | USD | 2021-12-01 | blank | Standard auto policy fees for PA; annually reviewed |
| FS-00011 | Auto | 0 | MI | 99.99 | 15 | 10 | 50 | 45 | 9 | USD | 2022-02-01 | 2022-08-01 | Short-term schedule following wildfires |
| FS-00012 | Homeowners | 0 | CO | 16.5 | 4 | 1 | 10 | 8 | 2 | USD | 2021-01-01 | 2023-01-01 | First year after regulatory change |
| FS-00013 | Commercial Property | 50 | AZ | 45 | 13 | 7 | 35 | 30 | 6 | USD | 2020-03-01 | blank | Commercial pilot for urban expansion |
| FS-00014 | Auto | 0 | MA | 20 | 5 | 2 | 10 | 10 | 0 | USD | 2023-05-01 | blank | Promotional auto schedule for MA |
| FS-00015 | Homeowners | 0 | NJ | 31 | 6.5 | 4.5 | 22 | 16 | 4 | USD | 2024-02-01 | 2026-02-01 | blank |
| FS-00016 | Commercial Property | 60 | MO | 57.5 | 14 | 11 | 45 | 36 | 8 | USD | 2022-09-01 | 2023-03-01 | Short-term schedule for seasonal risk |
| FS-00017 | Auto | 0 | OR | 23.25 | 6 | 2.25 | 11 | 13 | 0.5 | USD | 2021-11-01 | blank | blank |
| FS-00018 | Homeowners | 0 | VA | 35 | 8 | 5 | 25 | 17 | 7.5 | USD | 2024-03-01 | blank | Expanded coverage for coastal region |
| FS-00019 | Commercial Property | 85 | MN | 67 | 18 | 9.5 | 55 | 38 | 9 | USD | 2023-02-01 | 2023-08-01 | blank |
| FS-00020 | Auto | 0 | WI | 25 | 7 | 4 | 16.5 | 12 | 1 | USD | 2021-04-01 | 2022-04-01 | Standard auto policy fees for WI |
What the 300 rows show
from the 300-row sampleCommercial Property (product type) stands out: mean audit_
- 0median audit_
fee - 51states
- 27.0median policy_
fee - 7.0median service_
fee - 3.5median installment_
fee - 16.5median reinstatement_
fee
Median 0, from 0 to 100.
- string 5
- float 7
- date 2
Columns
14 columns in three groups| column | type | description | example |
|---|---|---|---|
| Text 5 columns | |||
schedule_id | string | Unique identifier for each fee schedule entryunique | FS-00001 |
state | string | US state where the fee schedule applies (two-letter abbreviation) | CA |
product_type | string | Type of insurance product (e.g., Auto, Homeowners, Commercial Property)3 types | Auto |
fee_currency | string | Currency in which fees are denominated (e.g., USD)USD | USD |
notes | string | Additional notes or comments regarding the fee scheduleoptional | Commercial pilot for IA |
| Numbers 7 columns | |||
policy_fee | float | Standard policy fee charged for the product in the specified state0 or more · optional | 28.5 |
service_fee | float | Service fee charged for administrative services0 or more · optional | 6.75 |
installment_fee | float | Fee charged for installment payment plans0 or more · optional | 3 |
reinstatement_fee | float | Fee charged for policy reinstatement after lapse or cancellation0 or more · optional | 16 |
nsf_fee | float | Non-sufficient funds (NSF) fee for failed payments0 or more · optional | 12.5 |
audit_fee | float | Fee charged for policy audits (typically for commercial products)0 or more · optional | 0 |
other_admin_fee | float | Other miscellaneous administrative fees not covered by standard categories0 or more · optional | 1 |
| Dates and times 2 columns | |||
effective_date | date | Date when this fee schedule becomes effective | 2020-01-01 |
expiration_date | date | Date when this fee schedule expires (if applicable)optional | 2022-01-01 |
Use it for
An insurance dashboard
Audit_
fee by product_ type. Excel, Power BI or Tableau. Why do the 93 Commercial Property rows have a mean audit_
fee of 67.5? A root-cause class exercise
Hand out the rows and one question. The answer is in the data, not in the brief.
- Schedules300FS-000010AutoFS-000020Homeowne…FS-0000375Commerci…
A software demo
Believable schedules with state, product_
type and policy_ fee to fill a screen in front of a buyer.
blueprint · policy-fee-and-service-charge-schedules
Behind this dataset
Same schema. As many rows as you need.
These 300 rows came out of a blueprint — 14 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.
- Policy fee assessed per policy, not per coverage
- Service fee for endorsements in some states
- Installment fee for payment plans
- State regulation limits on certain fees
- Fee disclosure required on billing statements
- Non-refundable fees specified
- Pro-rata refund of fees on some states
- Audit fee for premium audits
1 credit per row. Preview 20 rows free. Buy rows for the full run.
- Exports
- CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
- Licence
- yours to use, including commercially
- API slug
- policy-fee-and-service-charge-schedules