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SC admitted filing requirements

South Carolina Admitted P&C filing requirements

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

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South Carolina filing requirements

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

Showing 6 of 6 requirements

Rate · Rule

Exemption

No rate classification rule rating plan or modification for an exempt commercial line is required to be filed before use. Loss-cost filings by an advisory or rating organization remain prior approval and workers compensation retains uniform classification and experience-rating requirements.

Applies to: Exempt commercial policies

Filer type: Rating Organization

Conditions and exceptions: Medical professional liability for physicians and health-care providers and credit-transaction insurance are excluded from the exemption.

Filing method
Other
Applies to
Commercial
Filing required
No
Configuration
Combined Allowed
Regulation 69-64(B)-(C)
Verified Jul 21, 2026

Form

Method

A commercial form may be used without pre-use approval. If it was not already filed by an advisory organization or the insurer a copy is sent to the Department as soon as practicable after use and retained in a desk file.

Applies to: Ordinary exempt commercial policy form

Filer type: Rating Organization

Conditions and exceptions: Professional liability for physicians and health-care providers and credit-transaction insurance are outside Regulation 69-64; forms remain subject to prospective disapproval.

Filing method
Use And File
Timing
After first use
Applies to
Commercial
Configuration
Combined Allowed
Regulation 69-64(B)-(D)
Verified Jul 21, 2026

Form

Method

Medical professional liability is excluded from the exempt-commercial definition and therefore follows the ordinary pre-use form-approval statute rather than Regulation 69-64's use-and-file path.

Applies to: Physician and health-care-provider professional liability forms

Conditions and exceptions: The still-published 2016 matrix lists a 60-day deemer; current § 38-61-20 controls the normalized clock.

Filing method
Prior Approval
Timing
30 days before issue or use
Applies to
Medical Malpractice
Approval before use
Conditional
Configuration
Combined Allowed
S.C. Code §§ 38-61-20 and 38-61-25 — Policy form approvalS.C. Regulation 69-64 — Exempt Commercial PoliciesProperty and Casualty Filing Type Review Standards
Verified Jul 21, 2026

Form

Method

A covered personal P&C form must be filed and approved before issue or use. The director acts within 30 days and may extend review; silence deems approval, but the insurer must file written intent at least 10 days before relying on deemed approval.

Applies to: Ordinary covered forms

Filer type: insurer

Conditions and exceptions: The statute permits an extension up to the stated 60-day period; surety fidelity and unique individual-risk forms are excepted.

Filing method
Prior Approval
Timing
30 days before issue or use
Applies to
Personal
Approval before use
Conditional
Configuration
Combined Allowed
S.C. Code § 38-61-20
Verified Jul 21, 2026

Rate · Rule

Method

An eligible overall average rate-level change within plus or minus 7 percent may use a 30-day file-and-use path subject to line-specific frequency and other conditions. A filing outside the band or otherwise ineligible is prior approval.

Applies to: Eligible overall average change within plus or minus 7 percent

Conditions and exceptions: The second increase in a 12-month period can require prior approval; automobile and property provisions differ in detail.

Filing method
File And Use
Timing
30 days before effective date
Applies to
Homeowners
Approval before use
Conditional
Configuration
Product Specific
S.C. Code Title 38 Chapter 73 — Insurance rates and rate-making organizationsProperty and Casualty Filing Type Review Standards
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

Combined Form/Rule Form/Rate and Form/Rate/Rule submissions are operationally used. However a personal rate filing relying on the statutory file-and-use path must be filed as Rate or Rate/Rule; a filing containing forms does not qualify for that path.

Applies to: Combined filing types and personal rate file-and-use eligibility

Conditions and exceptions: This creates a situation-specific separation rule rather than a universal ban on combined filings.

Approval before use
Conditional
Configuration
Conditional
Filing Type Review Standards note 1(a) and 2024-2026 filing types
Verified Jul 21, 2026