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MI admitted filing requirements

Michigan Admitted P&C filing requirements

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

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Michigan filing requirements

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

Showing 11 of 11 requirements

Form · Rate · Rule

Exemption

A commercial P&C policy may use the statutory exemption when issued to a non-personal non-family non-household policyholder with the required prominent disclaimer; related rates and rules are also exempt except workers compensation rates and rules.

Applies to: Policy sold to an exempt commercial policyholder with disclaimer

Conditions and exceptions: The exemption depends on the required disclaimer and does not cover workers compensation rate or rule filing.

Filing method
No Filing
Applies to
Commercial
Filing required
No
Michigan Insurance Code of 1956 — MCL Chapter 500Insurance Product Filing and ReviewProperty and Casualty Filing Frequently Asked Questions
Verified Jul 21, 2026

Form

Exemption

MCL 500.2236 excludes specified imports exports shipments transport communications aircraft commercial-vessel liability surety and individualized forms from ordinary filing and approval.

Applies to: Enumerated transport marine aviation surety and individualized forms

Conditions and exceptions: The liability exclusions do not extend to workers compensation or employers liability and every enumerated category must be applied narrowly.

Filing method
No Filing
Applies to
Surety
Filing required
No
MCL 500.2236 statutory exclusions
Verified Jul 21, 2026

Form

Method

A form may not be delivered or issued until filed and approved but is deemed approved if the director does not act within 30 days.

Applies to: Ordinary new or revised forms and endorsements

Conditions and exceptions: Personal forms have a readability threshold and commercial policyholders may use the statutory disclaimer exemption.

Filing method
Prior Approval
Timing
30 days before issue or delivery
Applies to
Commercial, Personal
Approval before use
Yes
Configuration
Combined Allowed
Michigan Insurance Code of 1956 — MCL Chapter 500Insurance Product Filing and ReviewProperty and Casualty Filing Frequently Asked Questions
Verified Jul 21, 2026

Rate · Rule

Method

Automobile rating material must generally be filed 90 days before its proposed effective date; the director may shorten the period.

Applies to: Manual rates rating plans and rules

Conditions and exceptions: No statutory extension beyond the 90-day period was identified.

Filing method
File And Use
Timing
90 days before effective date
Configuration
Combined Allowed
MCL 500.2108 automobile provision
Verified Jul 21, 2026

Rate · Rule

Method

Ordinary casualty rating material waits 15 days after filing and deems unless disapproved; written notice may extend review by 15 days.

Applies to: Ordinary manual rates rating plans and rules

Conditions and exceptions: An alternative immediate-effect filing path is separately available.

Filing method
File And Use
Timing
15 days before effective date
Applies to
Casualty
Configuration
Combined Allowed
MCL 500.2406 and 500.2408
Verified Jul 21, 2026

Rate · Rule

Method

Under the alternative procedure the filing takes effect on its stated date without a waiting period; the director must give hearing notice within 15 days or approval is deemed and must issue an order within 30 days after notice.

Applies to: Alternative filing procedure

Conditions and exceptions: Use only when the statutory alternative procedure is invoked.

Filing method
File And Use
Timing
On stated effective date
Applies to
Casualty
Configuration
Combined Allowed
MCL 500.2430
Verified Jul 21, 2026

Rate · Rule

Method

Home insurance rating material must be filed on or before its effective date.

Applies to: Manual rates rating plans and rules

Filing method
File And Use
Timing
On or before effective date
Configuration
Combined Allowed
MCL 500.2108 home-insurance provision
Verified Jul 21, 2026

Rate · Rule

Method

Ordinary covered property rating material waits 15 days after filing and deems unless disapproved; written notice may extend review by 15 days.

Applies to: Ordinary manual rates rating plans and rules

Conditions and exceptions: Nonmanual inland marine is exempt and specifically rated advisory inland marine has special treatment; an alternative immediate-effect filing path also exists.

Filing method
File And Use
Timing
15 days before effective date
Applies to
Property, Inland Marine
Configuration
Combined Allowed
MCL 500.2606 and 500.2608
Verified Jul 21, 2026

Rate · Rule

Method

Under the alternative procedure the filing takes effect on its stated date without a waiting period; the director must give hearing notice within 15 days or approval is deemed.

Applies to: Alternative filing procedure

Conditions and exceptions: Use only when the statutory alternative procedure is invoked.

Filing method
File And Use
Timing
On stated effective date
Applies to
Property, Inland Marine
Configuration
Combined Allowed
MCL 500.2628
Verified Jul 21, 2026

Rate · Rule

Method

Workers compensation rates and rating systems must be filed no later than their effective date and remain effective until disapproved.

Applies to: Rates and rating systems

Filing method
File And Use
Timing
On or before effective date
Applies to
Workers Compensation
Configuration
Product Specific
MCL 500.2406 workers-compensation provision
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

Current Michigan filing data contains Form/Rule Form/Rate and Form/Rate/Rule types and DIFS instructs filers to complete the applicable form rate rule and supplemental tabs.

Applies to: Current SERFF filing types and tabs

Conditions and exceptions: No universal published requirement to combine every related submission was located.

Note: Treat as supported configuration rather than a blanket legal mandate.

Filing required
Conditional
Approval before use
Conditional
Configuration
Combined Allowed
DIFS FAQ and 2024-2026 Michigan Filing Type values
Verified Jul 21, 2026