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MO admitted filing requirements

Missouri Admitted P&C filing requirements

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

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Missouri filing requirements

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

Showing 7 of 7 requirements

Form

Exemption

Commercial policy forms are exempt from filing when aggregate annual commercial P&C premium excluding listed lines is at least $100000 and the policyholder employs a full-time risk manager or retains a licensed producer to negotiate.

Applies to: Commercial property and commercial casualty

Conditions and exceptions: Exemption excludes workers compensation medical malpractice farm property/liability residual or assigned-risk coverage and specified self-insured-employer bonds; the policy must include the statutory exemption notice.

Filing method
Other
Applies to
Commercial Property, General Liability
Filing required
No
RSMo § 379.321.6(3)-(5)
Verified Jul 21, 2026

Rate · Rule

Exemption

Section 379.321.6 exempts qualifying commercial property and casualty rating material from otherwise applicable filing requirements subject to listed-line exclusions. Recent filings nevertheless show voluntary combined submissions in which rates are marked informational only and forms and rules are reviewed.

Applies to: Commercial underwriting guidelines rates rating plans and manuals

Conditions and exceptions: Excludes workers compensation medical malpractice farm property/liability residual or assigned-risk coverage and specified self-insured-employer bonds. The Department retains authority over rate standards and policy content.

Note: Do not infer a mandatory filing merely because exempt commercial filers submit materials voluntarily or in combined packages.

Filing method
No Filing
Applies to
Commercial Property, General Liability
Filing required
No
Configuration
Combined Allowed
RSMo § 379.321.6 and 2026 Missouri filing records
Verified Jul 21, 2026

Form

Method

Ordinary policies and forms must be filed within 10 days after they become effective.

Applies to: Ordinary forms outside specified personal title and workers compensation regimes

Conditions and exceptions: Specified personal residential forms are effective on receipt; workers compensation is prior approval; title has its own advance filing; qualifying commercial forms may be exempt.

Filing method
Use And File
Timing
10 days after effective date
Applies to
Commercial, Personal
Configuration
Combined Allowed
RSMo § 379.321 — Rating plans forms and commercial filing exemptions20 CSR 500-4 — Rating LawsProperty and Casualty General Filing Instructions
Verified Jul 21, 2026

Form

Method

The covered personal form is deemed approved upon submission. The Department must review it within 60 days and may seek disapproval through the statutory hearing process.

Applies to: Private passenger auto homeowners dwelling-owner residential fire and tenant or renter forms

Filing method
File And Use
Timing
On receipt
Applies to
Dwelling Fire, Homeowners, Personal Auto
Configuration
Combined Allowed
RSMo § 375.920 — Personal auto homeowners and residential form treatmentProperty and Casualty General Filing Instructions
Verified Jul 21, 2026

Form

Method

A workers compensation policy and deductible plan must be in a form approved by the director.

Applies to: Policies and deductible plans

Conditions and exceptions: Workers compensation filings should use the corresponding workers compensation TOI and are not included in an interline filing.

Filing method
Prior Approval
Applies to
Workers Compensation
Approval before use
Yes
Configuration
Product Specific
RSMo § 287.310 — Workers compensation policy approvalProperty and Casualty General Filing Instructions
Verified Jul 21, 2026

Rate · Rule

Method

Ordinary manuals classifications rules rates rating plans and modifications must be filed within 10 days after their effective date.

Applies to: Ordinary rating material

Conditions and exceptions: Commercial exemptions and workers compensation title credit and other product-specific statutes can alter the method.

Filing method
Use And File
Timing
10 days after effective date
Applies to
Commercial, Personal
Configuration
Product Specific
RSMo § 379.321 — Rating plans forms and commercial filing exemptions20 CSR 500-4 — Rating LawsProperty and Casualty General Filing Instructions
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

Missouri actively accepts Form/Rule Form/Rate and Form/Rate/Rule submissions; a June 2026 commercial-property combined filing was reviewed with forms and rules reviewed and rates marked informational only.

Applies to: Current SERFF filing types

Conditions and exceptions: Workers compensation materials should be filed separately under the workers compensation TOI rather than in an interline filing.

Filing required
Conditional
Approval before use
Conditional
Configuration
Combined Allowed
2024-2026 Missouri Filing Type values and dated 2026 filing records
Verified Jul 21, 2026