NY admitted filing requirements
Review New York admitted property and casualty form, rate, and rule filing methods, timing, exemptions, packaging requirements, and official authorities.
Search the source-backed requirements. Each entry shows only the filing details that apply.
Form
Forms for inland-marine risks customarily not written under manual rates or rating plans are not filed unless DFS directs filing.
Applies to: Policy forms
Conditions and exceptions: Direction by the superintendent overrides the exemption.
Form
Eligible Article 63 risks receive rate and form filing relief. For a Class 3 large-commercial insured a form not previously filed is informational within three business days after first delivery and no later than 60 calendar days after policy inception.
Applies to: Free Trade Zone forms
Conditions and exceptions: Personal nonbusiness motor vehicle financial-responsibility group and other statutory exclusions do not qualify; Class 3 eligibility currently runs through June 30 2027.
Rate · Rule
Customary nonmanual inland-marine rates are not filed unless directed. Specific inland-marine rates specially rated by a rate service organization become effective when filed and remain effective until disapproved.
Applies to: Nonmanual and specially rated inland-marine rates
Filer type: Rating Organization
Conditions and exceptions: Which branch applies depends on customary manual treatment and whether a rate service organization specially rates the risk.
Form
A policy form may not be delivered or issued until filed and either approved or 30 days elapse without disapproval.
Applies to: Policy forms
Conditions and exceptions: Residual-value nonmanual inland-marine and Article 63 special-risk forms have separate treatment.
Form
Qualifying commercial residual-value forms and amendments are filed within 30 days after use.
Applies to: Policy forms and amendments
Conditions and exceptions: Does not include personal lines or commercial auto and applicants must sign the statutory knowledge statement.
Rate · Rule
Prior approval is not required through June 30 2029; changes are informational filings due on or before use.
Applies to: Rates rating plans rules and manuals not listed for prior approval
Conditions and exceptions: Enumerated §2305(b) products special risks and inland-marine exceptions differ.
Note: Date-sensitive availability-act method extended July 3 2026 through June 30 2029.
Rate · Rule
Enumerated rate filings require approval or a 30-day deemer. The superintendent may extend 30 days for cause and another 15 days for further cause.
Applies to: WC specified motor vehicle and surety bonds joint underwriting assigned risk NYPIUA risk-sharing title medmal MMIA mortgage guaranty credit property GAP and private passenger auto
Conditions and exceptions: For-hire motor vehicle and private passenger auto flex provisions can create additional paths; product-specific rules control.
Form · Rate · Rule
DFS instructions expressly address filings that contain both forms and rates and current filing data actively uses Form/Rule Form/Rate and Form/Rate/Rule types.
Applies to: Related form and rate material
Conditions and exceptions: Each component must use the correct SERFF schedule checklist support and statutory method.