AL admitted filing requirements
Review Alabama admitted property and casualty form, rate, and rule filing methods, timing, exemptions, packaging requirements, and official authorities.
Search the source-backed requirements. Each entry shows only the filing details that apply.
Form · Rate · Rule
The Commercial File and Use Certification Form must be completed and attached to the top of every filing submitted under the file-and-use system.
Applies to: File-and-use submission
Conditions and exceptions: Applies only to filings using file-and-use.
Form
All personal-lines P&C form filings use the Prior Approval System: the form must be submitted and formally approved before use.
Applies to: All policy forms required to be filed under Ala. Code §27-14-8
Conditions and exceptions: Personal lines means insurance for personal family or household purposes; statutory exceptions remain possible.
Form
Commercial P&C forms generally use the File and Use System and must be filed on or before the date the insurer uses them.
Applies to: Commercial policy forms other than workers' compensation and medical malpractice and without a special prior-approval rule
Filer type: insurer
Conditions and exceptions: Workers' compensation medical malpractice and other specially governed coverages are excluded.
Form
All rate and form filings for commercial workers' compensation and medical malpractice use the Prior Approval System and require formal approval before use.
Applies to: Workers' compensation and medical malpractice policy forms
Rate
A commercial rate filing seeking an overall increase of 10% or more is prior approval. Current DOI guidance also treats a proposal that combines with an earlier increase to exceed 10% in less than 12 months as ineligible for file-and-use.
Applies to: An overall commercial rate increase of 10% or more or cumulative increases exceeding 10% in less than 12 months
Conditions and exceptions: Regulation 123 expressly states the 10% test for rate filings; the DOI page explains the less-than-12-month cumulative scenario.
Note: Collected because the exception can change the method for a filing package. Do not automatically apply the rate exception to a separately submitted form filing.
Rate · Rule
Ordinary commercial rates and rules are filed on or before use under Alabama's commercial file-and-use regime.
Applies to: Ordinary commercial P&C other than workers compensation medical malpractice and threshold increases
Conditions and exceptions: Commercial workers compensation medical malpractice and an overall or cumulative increase reaching the 10 percent rule use prior approval.
Rate · Rule
All personal P&C rate and rule filings require formal approval before use.
Applies to: All personal P&C rate and rule filings
Note: The precise statutory review/deemer clock remains product-specific and should not be inferred from Regulation 123 alone.
Rate · Rule
Commercial workers compensation and medical-malpractice rates and rules require formal approval before use.
Applies to: Workers compensation and medical malpractice
Form · Rate · Rule
The Department asks filers to submit rate and rule filings separately from form filings to expedite review. Current SERFF records expose Form Rate Rule and Rate/Rule types but no combined form-rate-rule type.
Applies to: Related rate/rule and form material
Conditions and exceptions: The published sentence is framed as an expedition request rather than a categorical legal prohibition.
Note: Resolved as current submission configuration: Alabama asks for separate form and rate/rule filings and the current corpus exposes no combined form-rate type. The Department wording is a review-efficiency instruction rather than a statutory prohibition.