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RI admitted filing requirements

Rhode Island Admitted P&C filing requirements

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

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Rhode Island 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

Rates and policy forms for enumerated commercial special risks are exempt from filing. Covered classes include specified large or sophisticated risks and named coverages such as excess and umbrella D&O EPL aviation credit property boiler and machinery commercial inland marine fidelity surety crime and other listed risks.

Applies to: Commercial special risks

Conditions and exceptions: The exemption does not reach mandated automobile workers compensation employers liability or residual-market business; check the current statutory class definitions.

Filing method
No Filing
Timing
Not applicable
Applies to
Commercial
Filing required
No
R.I. Gen. Laws § 27-65-1
Verified Jul 21, 2026

Rate · Rule

Method

Current Department guidance describes an aggregate plus or minus 5 percent flex range for eligible nonbusiness casualty fire and marine rate changes. Rating-plan changes generally do not qualify merely because their indicated impact is within the band.

Applies to: Aggregate flex-rated change

Conditions and exceptions: Residential property is excluded from flex treatment; use the current governing statute and product instructions before relying on the band.

Filing method
Conditional
Applies to
Personal
Approval before use
Conditional
Configuration
Combined Allowed
Property and Casualty Rate Rule and Policy Form Filing Requirements and Regulatory Compliance230-RICR-20-05-13 — Property Insurance and Weather Related Claims
Verified Jul 21, 2026

Form

Method

A covered policy form must be filed with and approved by the director before it is issued. The statute does not supply a universal waiting period or automatic deemer.

Applies to: Casualty liability fire and marine forms

Conditions and exceptions: Commercial special risks and other enumerated filing exceptions are separate.

Filing method
Prior Approval
Timing
Before issue
Approval before use
Yes
Configuration
Combined Allowed
R.I. Gen. Laws § 27-44-4.1
Verified Jul 21, 2026

Rate · Rule

Method

Competitive rates and supplementary information are filed at least 30 days before their proposed effective date. They may be used after 30 days if not disapproved and if no information request remains; requested information restarts the 30-day period when received.

Applies to: Ordinary covered rates and supplementary information

Conditions and exceptions: Other product-specific statutes and noncompetitive-market provisions can require different treatment.

Filing method
File And Use
Timing
30 days before effective date
Approval before use
Conditional
Configuration
Combined Allowed
R.I. Gen. Laws § 27-44-6
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

Current Rhode Island filings actively use Form/Rule Form/Rate and Form/Rate/Rule types. No reviewed primary source makes one packaging option universally mandatory.

Applies to: Configured SERFF filing types

Approval before use
Conditional
Configuration
Combined Or Separate
Rhode Island filing types submitted 2024-2026
Verified Jul 21, 2026