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MN admitted filing requirements

Minnesota Admitted P&C filing requirements

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

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Minnesota filing requirements

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

Showing 5 of 5 requirements

Form · Rate · Rule

Exemption

A commercial policy form complying with Minnesota law is exempt from the §70A.06 form filing and approval requirements; qualifying commercial rates are likewise exempt from filing.

Applies to: Commercial policies as defined by Minn. R. 2700.2460

Conditions and exceptions: The regulatory definition excludes private passenger auto homeowners personal liability personal property floaters credit property crop hail title individual professional liability and other enumerated personal or specialty risks. The exemption does not apply to rate service organizations.

Filing method
No Filing
Applies to
Commercial
Filing required
No
Minn. R. 2700.2460 — Definition of commercial policiesMinn. R. 2700.2470 — Exemption from certain filing requirementsProperty and Casualty Filing Instructions
Verified Jul 21, 2026

Form

Method

A policy form may not be delivered or issued until approved or 60 days elapse without disapproval; the commissioner may extend review by up to 60 days.

Applies to: Ordinary policy forms

Conditions and exceptions: Commercial policies defined by rule and eligible homeowners or automobile expedited filings have different treatment.

Filing method
Prior Approval
Timing
60 days before issue or delivery
Applies to
Personal
Approval before use
Yes
Configuration
Combined Allowed
Minn. Stat. § 70A.06 — Filing requirementsProperty and Casualty Filing Instructions
Verified Jul 21, 2026

Form · Rate

Method

Qualifying homeowners and automobile forms and rates filed with the prescribed officer certification are effective upon Department receipt.

Applies to: Elective expedited compliance-certification filing

Conditions and exceptions: The filing must include the statutory description certification and form copy; the filing fee is required and any rate impact must comply with §70A.06 subdivisions 1 and 1a.

Filing method
File And Use
Timing
On receipt
Applies to
Homeowners
Configuration
Combined Allowed
Minn. Stat. § 60A.315 — Expedited form and rate filingProperty and Casualty Filing Instructions
Verified Jul 21, 2026

Rate · Rule

Method

Rates and changes must be filed no later than their effective date and may not take effect until filed.

Applies to: Ordinary rates and amendments

Conditions and exceptions: A rate change producing at least a 25 percent increase within 12 months may trigger an excessive-rate hearing; commercial policies may be exempt by rule.

Filing method
File And Use
Timing
On or before effective date
Applies to
Personal
Configuration
Combined Allowed
Minn. Stat. § 70A.06 — Filing requirementsProperty and Casualty Filing Instructions
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

Minnesota charges a combined filing fee for rate and/or rule materials submitted with forms and current filing data actively uses Form/Rule Form/Rate and Form/Rate/Rule types.

Applies to: Related form and rating materials

Conditions and exceptions: The ordinary form and rate clocks and any commercial or expedited exemption still apply independently.

Filing required
Conditional
Approval before use
Conditional
Configuration
Combined Allowed
Current P&C instructions and 2024-2026 Minnesota Filing Type values
Verified Jul 21, 2026