Which filing process allows insurers to apply in multiple states with the same application?

The Uniform Certificate of Authority Application (UCAA) is designed to streamline the process for insurers seeking to operate in multiple states by allowing them to submit a single application that can be accepted across different jurisdictions. This uniform application format reduces the administrative burden for insurers and helps to ensure consistency in the application process among the participating states.

By utilizing the UCAA, insurers can provide the same set of information required by various states all at once, rather than having to fill out separate applications tailored to each state's specific requirements. This not only facilitates quicker approval for insurers but also makes it easier for state regulators to assess and manage applications.

In contrast, the Producer Database (PDB) is focused on the licensing and appointment of insurance producers (agents and brokers) rather than the broader authority of insurers. The System for Electronic Rate and Form Filing (SERFF) is designed for the electronic filing of insurance rates and forms and does not encompass the application for operating authority. The NIPR Gateway serves as a platform for licensing and appointment transactions but does not provide a uniform application process for insurers.

Therefore, the UCAA is the correct answer as it directly addresses the concern of applying in multiple states with a single document, promoting efficiency in the insurance regulatory process.