NC admitted filing requirements
Review North Carolina 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
The ordinary form filing and approval provision does not apply to inland-marine risks not written according to manual rates or rating plans.
Applies to: Forms for risks not written according to manual rates or rating plans
Conditions and exceptions: The exemption turns on whether the risk is customarily/manual rated; do not apply it to all inland marine.
Form
Except for stated exemptions a form must be filed and either approved or remain undisapproved for 90 days before use.
Applies to: Ordinary policy forms
Conditions and exceptions: Nonmanual inland marine has separate treatment; unique-risk forms may use the statutory individual-risk path.
Form
A unique form may be used for an individual insured or risk under rules adopted by the commissioner rather than through the ordinary filing path.
Applies to: A unique form designed for a particular risk
Conditions and exceptions: Eligibility and procedural rules must be checked before treating the form as exempt.
Rate · Rule
Covered rates and prospective loss-cost multipliers must be filed at least 60 days before use unless the commissioner and filer agree to an earlier date.
Applies to: Rates and prospective loss-cost multipliers governed by §58-41-50
Conditions and exceptions: Product-specific chapters and statutory exceptions may supply different methods.
Rate · Rule
The Rate Bureau files rates loss costs classification plans rating plans and rating systems. A filing generally may not become effective earlier than 210 days after receipt unless the Commissioner and Bureau agree to an earlier date; hearing and deemer periods are product-specific.
Applies to: Residential property and workers compensation rate loss-cost classification and rating-plan filings
Conditions and exceptions: Property has a 50-day notice-of-hearing/deemer branch; workers compensation uses 60 days for that notice period and has additional effective-date provisions.
Note: Do not collapse the 210-day earliest-effective rule and the shorter hearing/deemer clocks into one approval clock.
Rate · Rule
A proper private-passenger-auto Rate Bureau filing is not effective until approved or until 60 days elapse without the Commissioner calling a hearing.
Applies to: Nonfleet private passenger motor vehicle rate filing
Conditions and exceptions: If a hearing is called the statute supplies separate notice hearing and order deadlines.
Form · Rate · Rule
A filing containing forms and rates is prohibited and is returned for separate submissions. Current approvals show Form/Rule is accepted when the rule material contains no rate data; rate or rating-manual material still belongs in a separate companion Rate/Rule filing.
Applies to: Related form rate and rule material
Conditions and exceptions: Reciprocally identify companion filings. Do not infer that every item labeled rule can accompany a form when it affects premium.
Note: LFST-134933743 enforced separation; MDCC-134902026 approved Form/Rule and stated that rate data did not apply.