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IN admitted filing requirements

Indiana Admitted P&C filing requirements

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

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Indiana filing requirements

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

Showing 7 of 7 requirements

Form

Exemption

The insurer keeps the specially prepared form in its Indiana office and supplies it to the commissioner on request rather than making the ordinary informational filing.

Applies to: Form endorsement or rider for an unusual or extraordinary risk of a particular commercial policyholder

Filer type: insurer

Conditions and exceptions: Limited to an unusual or extraordinary risk of a particular commercial policyholder.

Filing method
Other
Applies to
Commercial
Filing required
Conditional
Configuration
Product Specific
Indiana Code § 27-1-22-4(o)
Verified Jul 21, 2026

Rate · Rule

Exemption

The conditional exemption applies only when both the insurer qualification and commercial-policyholder condition are satisfied.

Applies to: Commercial policyholder written by an insurer satisfying §27-1-22-4(b) financial-rating or commissioner conditions

Filer type: insurer

Conditions and exceptions: This is not a line-wide exemption for casualty title fire marine inland marine or motor vehicle; workers compensation is outside Chapter 22.

Filing method
No Filing
Applies to
Commercial
Filing required
No
IC §27-1-22-4(b)
Verified Jul 21, 2026

Form · Rate · Rule

Method

The insurer must file the item for informational purposes no later than 30 days after first use. Use is not conditioned on Department review or approval.

Applies to: Commercial property or commercial casualty rate rating plan manual form or modification

Filer type: insurer

Conditions and exceptions: An individual policy rate need not be filed if it conforms to the filed manuals rates and rules for the plan or program.

Filing method
Use And File
Timing
30 days after first use
Applies to
Commercial Property, General Liability
Configuration
Separate Required
Indiana Code § 27-1-22-4(n)
Verified Jul 21, 2026

Form

Method

Current IDOI guidance requires filing of all contractual P&C forms unless a statute creates an exception. It does not impose one universal approval method or lead time across ordinary noncommercial products; product-specific statutes and review standards control.

Applies to: General contractual policy forms

Conditions and exceptions: Noncontractual forms not part of the policy need not be filed; product-specific statutes may add approval or timing requirements.

Note: The general rule is resolved without manufacturing a statewide clock: filing is mandatory, while approval and timing depend on product-specific authority.

Filing method
Filing Required
Applies to
Commercial, Personal
Approval before use
Conditional
Configuration
Separate Required
Property & CasualtySubmission RequirementsProperty & Casualty Review Standards
Verified Jul 21, 2026

Rate · Rule

Method

Required rate filings become effective on delivery to the commissioner or registered-mail date or on a later date selected in the filing.

Applies to: General rate manuals classifications rules schedules and rating plans

Conditions and exceptions: Commercial P&C uses the 30-day post-use informational rule; specific provisions such as production-expense changes may impose another wait.

Filing method
File And Use
Timing
On filing
Applies to
Commercial
Configuration
Separate Required
Indiana Code § 27-1-22-4(a) and (f)
Verified Jul 21, 2026

Rate

Method

Current IDOI guidance instructs filers to submit workers compensation and title rate filings at least 30 days before the effective date.

Applies to: Workers compensation and title rate filings

Conditions and exceptions: This is Department submission guidance; apply the product-specific statute for approval mechanics.

Filing method
File And Use
Timing
30 days before effective date
Applies to
Title, Workers Compensation
Approval before use
Conditional
Configuration
Product Specific
Current IDOI P&C page item 2
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

Indiana's current SERFF configuration actively accepts Form/Rule Form/Rate Form/Rate/Rule and Rate/Rule filings. A 2025 personal-auto Form/Rate/Rule objection assessed the form rate and rule as three fee components rather than rejecting the combined filing.

Applies to: Submission packaging

Conditions and exceptions: Confidential or credit-only materials still must be separated under the Department's special procedures.

Note: Operational evidence establishes that combined filing types are accepted; it does not merge each component's legal method or fee.

Approval before use
Conditional
Configuration
Product Specific
Current submission page; 2024+ filing taxonomy; WESA-134645020 objection dated 2025-09-18
Verified Jul 21, 2026