California Admitted P&C filing requirements

Form

Exemption

The current CDI instructions say these changes do not require filings. An installment payment plan that includes a fee is subject to prior approval.

Form · Rate · Rule

Method

The current CDI application page identifies credit and financial-guaranty rates forms and new programs as file-and-use. The effective date should be no earlier than Department receipt.

Form

Method

A coverage-form filing for a Proposition 103 line is submitted under the Prior Approval Rate Application workflow. If the insurer asserts no rate impact it must submit the form or rule filing at least 90 days before the proposed effective date and may not implement it until the Department confirms there is no rate impact.

Form

Method

When a proposed form change may affect rates the insurer must submit a complete prior-approval rate application with full rate support and may not treat it as a form-only no-impact filing.

Note: The statutory rate deemers in §1861.05(c) govern the complete rate application. They should not be presented as a universal form-only clock.

Rate · Rule

Method

A covered rate change requires prior approval. Section 1861.05 contains a 60-day post-public-notice provision and a separate 180-day receipt-based deemer subject to hearing and extraordinary-circumstance rules.

Form · Rate

Method

CDI identifies title rate and form filings as file-and-use, requires receipt at least 30 days before the effective date, provides a dedicated title application, and routes company submissions through SERFF.

Note: Kept separate so the Proposition 103 prior-approval workflow is not overgeneralized to title.

Form

Method

Workers-compensation policy forms and endorsements are submitted through the licensed rating organization rather than directly by an insurer. Standard forms may be used after written WCIRB notice that they are ready for use; nonstandard forms require filing through WCIRB and Commissioner approval before use.

Form · Rate · Rule

Packaging

Rates rules and forms for the same line of insurance may be combined in one Prior Approval Rate Application.

Note: Current SERFF taxonomy contains Rule/Form Rate/Form Rate/Rule/Form and New Program types in active use.

Form · Rule

Packaging

If a form has a corresponding rule the form and rule must be submitted together. A current 2026 objection required a Form filing to be withdrawn and resubmitted as Rule/Form because the attachment rules were missing.

Form · Rate · Rule

Packaging

A new-program application must contain every rate rating rule form and eligibility guideline for the program including adopted advisory-organization manuals and forms.

Form · Rate · Rule

Packaging

A transferred-program application must contain all rates rating rules forms and eligibility guidelines and must include full rate support comparable to a rate filing.