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AZ admitted filing requirements

Arizona Admitted P&C filing requirements

Review Arizona admitted property and casualty form, rate, and rule filing methods, timing, exemptions, packaging requirements, and official authorities.

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Arizona filing requirements

Search the source-backed requirements. Each entry shows only the filing details that apply.

Showing 9 of 9 requirements

Form

Exemption

The listed categories are outside the §20-398(A) filing-and-approval requirement.

Applies to: Fidelity; surety; guaranty bonds; industrial insurance under §20-400.10; wildfire protection-services portion of property policy; customary non-manual inland marine

Conditions and exceptions: Exact scope depends on the statutory clauses and other applicable law.

Note: Do not model as a blanket no-file rule without checking the referenced provisions.

Filing method
No Filing
Applies to
Fidelity, Inland Marine, Surety
Filing required
Conditional
A.R.S. § 20-398(A)
Verified Jul 21, 2026

Form

Exemption

The director may exempt specified documents or forms when filing and approval are impracticable or unnecessary for public protection.

Applies to: Additional documents or forms ordered exempt by director

Conditions and exceptions: Requires a director order and applies for the period specified.

Filing method
No Filing
Filing required
Conditional
Approval before use
Conditional
A.R.S. § 20-398(B)
Verified Jul 21, 2026

Form

Method

A policy form may not be delivered or issued until it has been filed and either affirmatively approved/disapproved within 30 days or 30 days elapse without disapproval.

Applies to: Risks or operations covered by Article 4

Conditions and exceptions: Director may extend review up to 15 additional days by written notice.

Filing method
Prior Approval
Timing
30 days before issue or delivery
Approval before use
Conditional
A.R.S. § 20-398 — Policy forms; Approval or disapproval; ExemptionProperty & Casualty Rates Forms & Compliance
Verified Jul 21, 2026

Rate

Method

Every insurer must file the rating systems it proposes to use; each filing waits at least 30 days before effectiveness unless the director authorizes earlier use.

Applies to: Rating system including manuals classifications rules rates rating plans and modifications

Filer type: insurer

Conditions and exceptions: A licensed rating organization may file on behalf of member insurers; rating organization annual filing effective January 1.

Note: Collected because it defines rating system/rating plan scope relevant to form/rate/rule joins.

Filing method
File And Use
Timing
30 days before effective date
Applies to
Workers Compensation
Configuration
Product Specific
A.R.S. § 20-357(A)-(C)
Verified Jul 21, 2026

Rate · Rule

Method

After the required hearing and order the affected rate material must be filed at least 30 days before the effective date until competition is restored.

Applies to: Rates changes and supplementary rate information covered by a director noncompetitive-market order

Conditions and exceptions: This branch exists only while a director noncompetitive-market order is in force.

Note: Do not normalize this order-based branch as the ordinary statewide method.

Filing method
File And Use
Timing
30 days before effective date
Configuration
Combined Allowed
A.R.S. §20-385(G)
Verified Jul 21, 2026

Rate · Rule

Method

Covered rates and supplementary rate information must be filed within 30 days after they become effective.

Applies to: Rates supplementary rate information and amendments outside workers compensation

Conditions and exceptions: Customary nonmanual marine inland-marine and transportation risks are excluded; director exemptions and §20-400.10 can apply.

Filing method
Use And File
Timing
30 days after effective date
Configuration
Combined Allowed
A.R.S. § 20-385 — Filing of ratesProperty & Casualty Rates Forms & Compliance
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

Arizona provides a 'Form/Rate/Rule - New Products ONLY' filing type for a combined form, rate, and rule filing.

Applies to: New insurance product or program

Conditions and exceptions: A new endorsement to an existing product or program is not a new product for this filing type.

Note: Live corpus shows 106 distinct AZ filings using this exact filing type from 2024-01-10 through 2026-07-06.

Approval before use
Conditional
Configuration
Combined New Product Only
General Instructions filing-types table; Recent Filing Type values
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

When revising a rate, rule, or form originally submitted as a new combined product, use the separate Form and Rate/Rule filing types rather than the new-product combined type.

Applies to: Revision to an existing product or program

Conditions and exceptions: Use corresponding filing references to connect related submissions.

Note: Recent AZ SERFF taxonomy separately exposes Form, Rate, Rule, and Rate/Rule in addition to new-product combined filings.

Approval before use
Conditional
Configuration
Separate Required
Arizona General Filing Instructions for Property and Casualty Form Rate and Rule FilingsArizona General Filing Checklist for Property and Casualty Form Rate and Rule Filings
Verified Jul 21, 2026

Rate · Rule

Packaging

Arizona’s general filing instructions and current objection practice require the Rate type for rate-only changes and Rate/Rule when a filing changes both rates and rules. The current SERFF corpus uses those types; Form/Rate/Rule is reserved for new products only.

Applies to: Rate change plus rule change

Conditions and exceptions: Predictive models have their own filing type and may need a corresponding filing.

Note: Resolved by published instructions plus current dated operational evidence.

Configuration
Combined Required
Arizona General Filing Instructions; SERFF HNVR-G134714365 objection dated 2025-10-24; 2024-2026 filing taxonomy
Verified Jul 21, 2026