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AR admitted filing requirements

Arkansas Admitted P&C filing requirements

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

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Arkansas filing requirements

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

Showing 9 of 9 requirements

Form

Exemption

The general form-filing procedure in 23 CAR §200-106 does not apply to surety bonds or unique forms designed and used for insurance on a particular subject.

Applies to: Surety bonds and policies riders endorsements or forms of unique character designed for a particular subject

Conditions and exceptions: Other law can still impose a filing duty; do not normalize this as an unconditional no-file rule.

Filing method
Other
Applies to
Surety
Filing required
Conditional
23 CAR §200-106(a)(2)
Verified Jul 21, 2026

Rate · Rule

Exemption

Qualifying commercial P&C in a competitive market is exempt from rate filing and review; nonmanual individual-risk and referral-to-company rates have a separate exemption with documentation retention.

Applies to: Commercial risks other than workers compensation employers liability and professional liability

Conditions and exceptions: Workers compensation employers liability professional liability and noncompetitive-market business are excluded; the commissioner may change market treatment by order.

Filing method
No Filing
Applies to
Commercial
Filing required
No
A.C.A. §23-67-206; Current Arkansas P&C Filing Requirements
Verified Jul 21, 2026

Form

Method

Every filing must be made at least 30 days before the proposed effective date. It deems approved after 30 days unless affirmatively approved or disapproved; the Department may extend review by another 30 days with timely notice.

Applies to: General P&C policy forms governed by Ark. Code §23-79-109 and 23 CAR §200-106

Conditions and exceptions: Surety bonds and unique forms for a particular subject are outside §200-106; other statutory exemptions may apply.

Note: The current DOI page says approval must be obtained before use; the codified rule supplies the deemer mechanics that the short page omits.

Filing method
Prior Approval
Timing
30 days before effective date
Approval before use
Conditional
Configuration
Separate Required
23 CAR pt. 200 — Property Casualty Surety and Marine Rate and Form FilingsProperty and Casualty Filing Requirements
Verified Jul 21, 2026

Rate · Rule

Method

A competitive-market filing is due 20 days before the effective date and becomes effective after the waiting period or sooner if approved.

Applies to: Personal and other nonexempt risks subject to §23-67-211

Conditions and exceptions: Commercial risks may fall within the broader competitive-market exemption in §23-67-206; an insurer under closer supervision uses 60 days.

Note: Current Department guidance independently confirms the 20-day personal-lines rate filing lead time.

Filing method
File And Use
Timing
20 days before effective date
Configuration
Product Specific
A.C.A. §23-67-211(a); Current Arkansas P&C Filing Requirements
Verified Jul 21, 2026

Rate · Rule

Method

A noncompetitive-market filing is due at least 60 days before the effective date and becomes effective when the period expires unless disapproved.

Applies to: Rates supplementary rate information and required support

Conditions and exceptions: The commissioner may authorize an earlier effective date.

Note: Current Department guidance independently confirms the 60-day professional-liability branch; §23-67-211(b) supplies the general noncompetitive-market rule.

Filing method
Prior Approval
Timing
60 days before effective date
Approval before use
Conditional
Configuration
Product Specific
A.C.A. §23-67-211(b); Current Arkansas P&C Filing Requirements
Verified Jul 21, 2026

Rate · Rule

Method

Workers compensation and incidental employers-liability rating material must be submitted for approval at least 30 days before the proposed effective date.

Applies to: Manuals classifications rules rates rating plans and modifications

Conditions and exceptions: The commissioner may authorize an earlier effective date; an information request moves the proposed date to at least 30 days after the information is furnished.

Note: Current Department guidance independently confirms 30-day prior approval for workers compensation and employers liability rates.

Filing method
Prior Approval
Timing
30 days before effective date
Applies to
Workers Compensation
Approval before use
Yes
Configuration
Product Specific
A.C.A. §23-67-219(1); Current Arkansas P&C Filing Requirements
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

Arkansas's operative rule says rate and form filings must be made separately. A 2025 objection expressly required rates/rules to be removed from a Form/Rate/Rule filing and submitted separately.

Applies to: Rate material and policy forms

Note: The generic transmittal exhibit contains a Combination Rates/Rules/Forms checkbox but cannot override the Arkansas-specific operative instruction. Recent combined-type metadata reflect filer selection; the cited approved filing was approved only after the Department ordered the rate/rule material withdrawn.

Approval before use
Conditional
Configuration
Separate Required
23 CAR §200-105(a)(2)(A)(v); SERFF XLAM-134689682 objection 2025-09-30
Verified Jul 21, 2026

Rate · Rule

Packaging

Arkansas provides a rate/rule filing schedule and permits rate and rule material to be submitted together, while keeping forms in a separate filing.

Applies to: Related rate and rule material

Configuration
Combined Allowed
23 CAR §200-105(a)(2); Rate/rule filing schedule exhibit
Verified Jul 21, 2026

Form · Rate · Rule

Post Filing Change

A closed filing may be reopened for minor corrections scrivener's errors and effective dates. A substantive change or addition requires a new filing and the applicable fee.

Applies to: Closed filing

Current additional filing guidance
Verified Jul 21, 2026