DC admitted filing requirements
Review District of Columbia 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
An insurer need not file or obtain approval for rates and policy forms used for exempt commercial risks.
Applies to: Qualifying exempt commercial policyholder
Filer type: insurer
Conditions and exceptions: The exemption does not apply to workers' compensation or employers' liability. Policy notice insured certification insurer retention and annual count reporting are required.
Form
D.C. policy forms are file-and-use. The commissioner may disapprove an inequitable or noncompliant form within 60 days after receipt; after that period disapproval is limited to noncompliance with District law.
Applies to: Required policy forms
Conditions and exceptions: The commissioner must require the filing; current DISB procedure accepts all P&C forms through SERFF. Exempt commercial risks have a separate statutory exemption.
Note: The 60 days is a post-filing disapproval window not a pre-use waiting period.
Rate · Rule
DISB describes ordinary P&C rates and rules as file-and-use. Current law requires filing and permits investigation and prospective adjustment while treating rates as compliant pending investigation and order.
Applies to: Ordinary P&C other than specific prior-approval products
Conditions and exceptions: Private passenger/non-commercial auto homeowners workers' compensation and medical malpractice require separate prior-approval analysis; exempt commercial risks may be unfiled.
Rate
A private passenger/non-commercial motor vehicle or homeowners rate must be filed and cannot become effective until the 90-day review period runs or the commissioner acts. If no determination is made within 90 days the rate is deemed approved.
Applies to: Proposed final rate or premium charge
Conditions and exceptions: For renewal increases the insurer must give written notice at least 45 and not more than 90 days before renewal.
Note: Permanent D.C. Law 25-123 took effect February 15 2024.
Rate
Medical-malpractice rates are prior approval. An application is deemed approved 60 days after public notice unless the increase exceeds 10%; increases above 10% require a hearing and an order within 90 days after public notice.
Applies to: Rate change application
Conditions and exceptions: The greater-than-10% process replaces the 60-day automatic approval with a hearing and 90-day order period.
Rate · Rule
D.C. Code §31-5205 requires Commissioner approval before workers-compensation manuals classifications underwriting rules rates and merit-rating plans take effect. The controlling section sets no fixed approval clock or deemed-approval period.
Applies to: Rate/rule filing
Conditions and exceptions: No fixed review clock or deemer is stated in §31-5205; effectiveness depends on affirmative approval.
Note: No day count is stored because the controlling workers-compensation provision does not provide one.
Form · Rate
DISB expressly requires forms and rates to be submitted separately. Current SERFF taxonomy contains Form Rate Rule and Rate/Rule but no combined form-rate filing type.
Applies to: Related forms and rates
Conditions and exceptions: Rates and rules may be combined in Rate/Rule; the prohibition is specifically form versus rate.
Note: This is an explicit current answer to the user's form/rate separation question.