Louisiana Admitted P&C filing requirements

Form

Exemption

Regulation 72 exempts eligible commercial entities from form filing and approval when the premium size organizational and signed-certification conditions are met; rates and rules remain subject to filing.

Note: Do not apply to workers compensation employers liability or professional liability and do not extend the form exemption to rates or rules.

Form

Exemption

A form unique in character and designed for or used with respect to a particular subject or requested by a particular insured is outside the ordinary filing requirement.

Form

Method

Forms must be filed and approved before issue or use. They are deemed approved after 45 days without action; timely written notice can extend review 15 days and affirmative earlier approval waives the wait.

Note: Model the deemer and extension rather than an undifferentiated prior-approval label.

Rate · Rule

Method

Current law permits use when filed. The commissioner has 30 days after receipt to reject the filing; the current department handbook calls Louisiana a file-and-use state.

Note: This is the post-2025 result and must not be replaced with the earlier waiting-period rule.

Rate · Rule

Method

The rate filing is informational only for a qualifying commercial risk.

Form · Rate · Rule

Packaging

Rates and rules must be submitted separately from forms. Interdependent submissions must identify and cross-reference each other.