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MA admitted filing requirements

Massachusetts Admitted P&C filing requirements

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

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Massachusetts filing requirements

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

Showing 8 of 8 requirements

Form · Rate · Rule

Exemption

An electing qualifying large commercial policyholder receives broad exemptions from specified rate form and policy-content requirements.

Applies to: Commercial P&C excluding workers compensation premium

Conditions and exceptions: Requires at least $30000 aggregate P&C premium excluding workers compensation plus two statutory criteria including financial size employee counts public/nonprofit scale municipality population or a qualified risk manager; records must be maintained.

Filing method
No Filing
Applies to
Commercial
Filing required
No
M.G.L. c. 175 § 224
Verified Jul 21, 2026

Form

Method

A covered form waits 30 days after filing and may then be used without affirmative approval if not disapproved; one written 30-day extension is allowed and earlier approval waives the wait.

Applies to: Forms issued to more than 50 policyholders

Conditions and exceptions: Section 2B only applies when the form is delivered or issued to more than 50 policyholders and includes readability requirements.

Filing method
File And Use
Timing
30 days before effective date
Applies to
Commercial, Personal
Configuration
Combined Allowed
M.G.L. c. 175 § 2B — Policy-form filingM.G.L. c. 175 § 193F — Extension of form-review period
Verified Jul 21, 2026

Rate · Rule

Method

Covered material must be filed at least 15 days before effectiveness; the commissioner may extend the waiting period by up to 30 days.

Applies to: Ordinary rates classifications rating plans and rules

Conditions and exceptions: Product-specific chapters may supersede this ordinary casualty rule.

Filing method
File And Use
Timing
15 days before effective date
Configuration
Combined Allowed
M.G.L. c. 175A § 6
Verified Jul 21, 2026

Rate · Rule

Method

Covered material must be filed at least 15 days before effectiveness; the commissioner may extend the waiting period by up to 30 days.

Applies to: Ordinary rates schedules rating plans and rules

Conditions and exceptions: Nonmanual inland marine is excepted and specific advisory inland-marine provisions apply.

Filing method
File And Use
Timing
15 days before effective date
Configuration
Combined Allowed
M.G.L. c. 174A § 6
Verified Jul 21, 2026

Rate · Rule

Method

Proposed workers compensation rates and classifications may not take effect until approved. The statute requires a hearing within 60 days and provides deemed approval if the commissioner does not finally act within six months.

Applies to: Proposed rates and classifications

Conditions and exceptions: The 60-day period is a hearing deadline rather than the deemed-approval period; do not store it as a simple 60-day approval deemer.

Filing method
Prior Approval
Timing
180 days before effective date
Applies to
Workers Compensation
Approval before use
Yes
Configuration
Product Specific
M.G.L. c. 152 § 53A
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

DOI guidance permits forms rates and rules in one SERFF filing when the correct filing type and fees are used; separate submissions must cross-reference each other.

Applies to: Related SERFF materials

Conditions and exceptions: Interline forms private passenger auto commercial auto rating-organization deviations and specified individual-risk restriction or consent-to-rate materials have separate-filing constraints.

Note: The guidance remains linked from the current DOI index and active filing data corroborates combined filing types.

Filing required
Conditional
Approval before use
Conditional
Configuration
Combined Allowed
DOI Bulletin 2008-08 and 2024-2026 Massachusetts Filing Type values
Verified Jul 21, 2026

Form

Scope

For casualty and property insurance the §2B definition of policy form excludes forms issued to insure a business professional or governmental operation.

Applies to: Business professional or governmental operation

Conditions and exceptions: Other applicable statutes DOI orders and SERFF requirements must be checked before treating a commercial filing as unnecessary.

Note: Store as an exclusion from §2B rather than a universal no-file conclusion.

Applies to
Commercial
Filing required
Conditional
Configuration
Combined Allowed
M.G.L. c. 175 § 2B definition
Verified Jul 21, 2026

Form

Scope

The §2B filing requirement is limited to forms delivered or issued to more than 50 policyholders.

Applies to: Form delivered or issued to 50 or fewer policyholders

Conditions and exceptions: Other statutes orders or product-specific rules may still apply; this is not a blanket statement that no filing is ever required.

Applies to
Commercial, Personal
Filing required
Conditional
M.G.L. c. 175 § 2B scope clause
Verified Jul 21, 2026