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FL admitted filing requirements

Florida Admitted P&C filing requirements

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

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Florida filing requirements

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

Showing 10 of 10 requirements

Form

Exemption

The listed forms are exempt from the default filing-and-approval requirement; OIR may also exempt forms when filing is impractical or unnecessary for public protection.

Applies to: Surety bonds; certain specially rated inland marine; unique or specially designed forms; classes exempted by OIR order

Conditions and exceptions: Apply the exact statutory scope and any OIR order rather than treating the exemptions as line-wide.

Filing method
No Filing
Applies to
Inland Marine, Surety
Filing required
No
Configuration
Product Specific
Fla. Stat. § 627.410(1)
Verified Jul 21, 2026

Form

Method

An insurer may elect an informational filing at least 30 days before delivery instead of obtaining prior approval. The filing requires a notarized compliance certification by an authorized officer or employee and remains subject to later disapproval.

Applies to: Certified compliant commercial forms

Filer type: insurer

Conditions and exceptions: Unavailable for workers' compensation and personal lines; election does not eliminate compliance or OIR's later-disapproval power.

Filing method
Informational
Timing
30 days before delivery
Applies to
Commercial
Configuration
Product Specific
Fla. Stat. § 627.4102 — Informational filing of formsProperty and Casualty Form FilingsForms Checklist — All Other Commercial
Verified Jul 21, 2026

Form

Method

Forms must be filed at least 30 days before delivery or issue. They may be used after affirmative approval or after the 30-day period expires without disapproval; OIR may extend review by up to 15 days by notice.

Applies to: Policy forms and related forms

Conditions and exceptions: Commercial P&C other than workers' compensation and personal lines may elect the certified informational pathway; statutory form exemptions also apply.

Note: OIR describes personal-lines forms as subject to approval.

Filing method
Prior Approval
Timing
30 days before delivery or issue
Applies to
Workers Compensation
Approval before use
Conditional
Configuration
Product Specific
Fla. Stat. § 627.410(1)
Verified Jul 21, 2026

Rate

Method

Commercial motor vehicle rate changes use the statutory post-effective filing/notice process within 30 days after effectiveness.

Applies to: Rate change notice

Conditions and exceptions: Read the exact commercial-motor-vehicle clauses before using this row for a subtype with another specific statute.

Filing method
Use And File
Timing
30 days after effective date
Applies to
Commercial
Configuration
Product Specific
Fla. Stat. § 627.0651
Verified Jul 21, 2026

Rate

Method

An insurer may file a rate at least 90 days before its proposed effective date. If OIR does not issue a notice within the statutory period the filing is deemed approved.

Applies to: Rate filing elected before use

Filer type: insurer

Conditions and exceptions: Product-specific statutes including motor vehicle and workers' compensation control where applicable.

Filing method
File And Use
Timing
90 days before effective date
Configuration
Product Specific
Fla. Stat. § 627.062(2)(a)1
Verified Jul 21, 2026

Rate

Method

An insurer may use a rate and file it within 30 days after the effective date.

Applies to: Rate implemented before filing

Filer type: insurer

Conditions and exceptions: Subject to statutory support and review requirements and product-specific exceptions.

Filing method
Use And File
Timing
30 days after effective date
Configuration
Product Specific
Fla. Stat. § 627.062(2)(a)2
Verified Jul 21, 2026

Rate

Method

A private-passenger motor vehicle rate may use the statutory file-and-use pathway with a 60-day advance filing period.

Applies to: Rate filed before use

Filing method
File And Use
Timing
60 days before effective date
Configuration
Product Specific
Fla. Stat. § 627.0651
Verified Jul 21, 2026

Rate

Method

A private-passenger motor vehicle rate may use the statutory use-and-file pathway and file within 30 days after effectiveness.

Applies to: Rate filed after use

Filing method
Use And File
Timing
30 days after effective date
Configuration
Product Specific
Fla. Stat. § 627.0651
Verified Jul 21, 2026

Rate

Method

Workers' compensation rates must be specifically approved before becoming effective.

Applies to: Rate filing

Filing method
Prior Approval
Applies to
Workers Compensation
Approval before use
Yes
Configuration
Product Specific
Fla. Stat. § 627.101
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

Florida requires filings to be separated into rate/rule-only filings or form-only filings and also separated by line of business. A rate filing with a related form filing must identify the form filing log number and timing.

Applies to: Submission packaging

Conditions and exceptions: Use companion references; do not submit a combined form/rate or form/rate/rule package.

Configuration
Product Specific
Fla. Admin. Code R. 69O-170.013
Verified Jul 21, 2026