CT admitted filing requirements
Review Connecticut 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
The current indexed homeowners checklist must be completed with each form filing and requires form/page/paragraph citations for compliance items; blanks in required confirmation cells cause rejection.
Applies to: Every homeowners form filing
Conditions and exceptions: Other types of insurance have their own SERFF submission checklists under PC-82.
Form · Rate · Rule
Appendix A business is exempt from the Department's normal filing-review procedure but companies must continue filing the commercial forms rates rules amendments and endorsements through SERFF using an Exempt filing type and an officer compliance certification.
Applies to: Commercial lines listed in Appendix A to Bulletin PC-63-24
Conditions and exceptions: The exemption does not cover personal lines rating organizations workers' compensation excess workers' compensation medical malpractice professional liability environmental impairment claims-made municipal business mixed exempt/nonexempt filings or other unlisted business.
Note: Commercial inland-marine rates and rules are not required by Connecticut law according to Appendix A; optional submissions may use Exempt.
Form
Covered forms must be filed before issuance. Connecticut calls the regime file-and-use; after a complete filing is accepted the Department has 30 calendar days to record it effective or disapprove it subject to tolling while additional information is requested.
Applies to: Policy contract or endorsement other than fidelity surety or guaranty bonds
Conditions and exceptions: A deficient submission is not accepted for review. Product-specific statutes and the current commercial review exemption require separate rows.
Note: The 30 days is a Department review cycle rather than a general prior-approval waiting period.
Rate · Rule
Commercial classifications rules rates rating plans schedules and systems are filed for the Commissioner's information on or before their effective date.
Applies to: Ordinary commercial risk other than statutory exceptions
Conditions and exceptions: Customarily nonmanual inland marine risks are excluded; workers' compensation employers' liability and specified medical professional liability follow separate rules.
Rate
These rates are subject to prior approval. An increase of 7.5% or more requires a filing and insured notice at least 60 days before the proposed effective date; the commissioner must decide within 45 days after receipt subject to the hearing process.
Applies to: Physicians surgeons hospitals APRNs and physician assistants
Conditions and exceptions: The 60-day notice threshold applies to increases of at least 7.5%; prior approval applies to the covered rates generally.
Rate · Rule
Workers' compensation and employers' liability rate filings have a 30-day waiting period before effectiveness with a possible written 30-day extension and a deemer if not disapproved. The commissioner may authorize earlier effectiveness after review.
Applies to: Rate filing
Form · Rule
Current objection practice requires the corresponding rule filing to be submitted separately from the form and cross-referenced by SERFF tracking number. The current nonexempt taxonomy separately exposes Form Rule Rate and Rate/Rule.
Applies to: New optional form requiring an attachment or use rule
Note: The 2026 objection is direct current evidence; the homeowners checklist separately requests the corresponding rule-filing number.
Form · Rate · Rule
Connecticut's active Exempt taxonomy permits Exempt Form/Rule Exempt Rule/Rate Exempt Form/Rate and Exempt Form/Rule/Rate combinations in addition to separate exempt filings.
Applies to: Appendix A review-exempt filing
Conditions and exceptions: This operational combination flexibility should not be generalized to nonexempt filings.
Note: 134 Exempt Form/Rule/Rate filings and 215 Exempt Form/Rule filings were observed in the current corpus.
Form
Effective July 3 2024 claims-made forms were removed from the commercial review exemption and require complete Department review.
Applies to: All claims-made policy forms
Conditions and exceptions: Occurrence/claims-made mixed filings are not exempt merely because another component appears in Appendix A.
Note: PC-63-24 rescinded PC-71 after the Department found compliance issues in sampled claims-made forms.