Oregon Admitted P&C filing requirements

Form

Attachment

Filings must follow the applicable DFR/SERFF product standards and include certificates of compliance. Revised forms require a marked comparison and explanation of changes.

Form

Exemption

No ordinary form filing is required for enumerated classes including surety wet marine boiler and machinery environmental impairment kidnap/ransom political risk highly protected property and director-exempt large-commercial policyholders.

Form

Exemption

A form designed for and used only with a particular risk is exempt from ordinary filing and approval.

Form

Method

A covered form may not be delivered or issued until approved. The director must act within 30 days and may extend review once for another 30 days.

Note: The statute does not state that silence automatically approves the form; do not convert the clock into a deemer.

Form

Method

The enumerated commercial exemption does not apply to consumer lines and does not exempt workers compensation medical malpractice commercial auto liability assigned or residual markets or wrap-up project coverage.

Rate · Rule

Method

For a commercial-liability market specified by the director a filing with an average annual rate-level change over 15 percent waits 30 days and deems approved unless disapproved; the director may extend review once for 30 days.

Rate · Rule

Method

Ordinary covered rates and rating systems are file-and-use and may take effect no earlier than the date received by the director.

Form · Rate · Rule

Packaging

DFR filing tips direct a new GAP program to include forms rules and rates in one combined submission. Current data also actively uses Form/Rule Form/Rate and Form/Rate/Rule types.

Form · Rate · Rule

Packaging

Every form in a group form filing must apply to every named company. Common forms rules and rates may share one group program filing but company-specific forms require separate individual submissions.