What Verdica's 798 score means for Activehours
Activehours earned a composite score of 798 out of 850, placing it in the "strong" band (740–799). This score reflects a provider with solid regulatory standing and complaint management, though not at the highest tier of performance.
A score in this range signals that Activehours has demonstrated reasonable financial stability and acceptable complaint handling practices relative to industry peers. It suggests lower regulatory risk compared to providers scoring below 670, but also indicates there is measurable room for improvement—particularly in financial strength metrics.
For a business owner or consumer evaluating this provider, a 798 score suggests it is a reasonably safe choice from a compliance perspective. However, this is not a "best-in-class" rating. Anyone considering Activehours should supplement this score with independent due diligence, particularly around product fit, pricing, and service experience, since Verdica's data does not yet include independent customer reviews.
How the sub-scores break down
Financial Strength: 700 / 850
This sub-score is the primary area of relative weakness. A financial strength rating of 700 indicates the provider has acceptable capital reserves and solvency measures but trails industry leaders in this dimension. Regulators assess financial strength through metrics like liquidity ratios, capital adequacy, and loss reserves. A score at this level suggests Activehours can meet its policyholder obligations, but it is not operating with exceptional financial cushion. For consumers, this means the provider is unlikely to face insolvency, but claims processing or premium stability could be more volatile than firms scoring higher.
Complaints: 850 / 850
This perfect sub-score reflects an excellent complaints ratio relative to peers. The NAIC tracks complaint volume against the size of a provider's customer base, producing a normalized ratio. A score of 850 indicates Activehours receives fewer complaints per customer than the median provider. This suggests effective dispute resolution, clear policy terms, or strong customer service practices—though it does not eliminate the possibility of individual disputes. A high complaints score is often a leading indicator of operational reliability.
Regulatory Actions: 850 / 850
Activehours also scores perfectly on regulatory actions, meaning it has avoided significant enforcement history with state insurance commissioners. This dimension tracks licensing violations, market conduct violations, and other regulatory infractions reported to the NAIC. A perfect score here suggests the provider operates within regulatory expectations and has not triggered formal enforcement or consent orders in recent periods.
What regulators track for insurance providers
The NAIC (National Association of Insurance Commissioners) serves as the clearinghouse for state-level insurance oversight data. Regulators monitor complaint ratios—the volume of filed complaints normalized by market share and product lines. Common complaint categories include billing disputes, claims denial or delay, policy cancellation, and service access issues. A high complaint ratio can trigger market conduct examinations.
Financial strength ratings derive from statutory financial filings and stress-testing models. Regulators examine premium reserves, investment quality, and capital buffers to ensure a provider can weather adverse claims experience. Providers with weak financials may face enhanced monitoring or restrictions on new business.
Regulatory actions reflect formal enforcement outcomes: consent orders, fines, license restrictions, or corrective orders. These actions appear on public NAIC records and directly impact a provider's reputation and ability to operate.
Scores move based on these data inputs: complaint ratios improve as complaints decline relative to peers; financial strength improves with stronger capital positions; and regulatory action scores improve as enforcement history ages and new violations do not occur.
Bottom line
Activehours holds a strong compliance profile with exemplary complaints and regulatory action scores, though its financial strength rating suggests moderate rather than exceptional reserves. This provider represents a reasonably low-risk choice for insurance needs, but prospective customers should verify service quality, pricing competitiveness, and claims turnaround independently before committing.