Abstract: Provided are systems and methods for generating state-specific insurance contract documents that are compliant with their respective state's insurance regulations. In particular, these systems and methods are provided in accordance with a simplified model for maintaining and creating insurance contract documents that are compliant with state insurance regulations. State-specific insurance contract documents are generated by combining baseline section template files and state-specific section template files in accordance with contract generation rules that are defined to create a state-specific insurance contract document that it compliant with its respective state's insurance regulations.