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TX admitted filing requirements

Texas Admitted P&C filing requirements

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

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Texas filing requirements

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

Showing 9 of 9 requirements

Form

Exemption

Section 2301.0031 exempts specified commercial coverages including commercial surety and fidelity commercial inland marine boiler and machinery pollution kidnap and ransom political risk excess or umbrella D&O fiduciary EPLI professional and media liability product liability or recall commercial cyber highly protected property and non-NFIP commercial flood.

Applies to: Statutorily listed commercial coverages

Conditions and exceptions: Apply the exact statutory category definitions; medical professional liability is not included in the professional-liability exemption and combinations are addressed expressly.

Filing method
No Filing
Timing
Not applicable
Applies to
Commercial
Filing required
No
Tex. Ins. Code § 2301.0031
Verified Jul 21, 2026

Form · Rate

Exemption

28 TAC § 5.5201 adds commercial categories exempt from both Chapter 2301 form filing and Chapter 2251 rate filing including commercial credit debt and GAP crime fidelity and surety financial guaranty glass farm crop hail rain employee-benefits liability liquor liability OCP railroad protective and commercial tuition withdrawal.

Applies to: Additional rule-listed commercial coverages

Conditions and exceptions: Use the rule's exact line definitions and exclusions.

Filing method
No Filing
Timing
Not applicable
Applies to
Commercial
Filing required
No
28 TAC § 5.5201
Verified Jul 21, 2026

Form

Method

A covered policy form must be filed no later than the 60th day before delivery or use and may not be delivered or used unless approved or otherwise permitted under Chapter 2301.

Applies to: Ordinary nonexempt policy forms

Conditions and exceptions: Commercial-line and large-risk exemptions materially narrow this ordinary rule.

Filing method
Prior Approval
Timing
60 days before delivery or use
Approval before use
Yes
Configuration
Separate Required
Insurance Code Chapter 2301 — Policy FormsProperty and Casualty Filings Made Easy GuideSERFF General Instructions for Property and Casualty Filings
Verified Jul 21, 2026

Rate · Rule

Method

Ordinary covered rates and rules are filed on or before their effective date and may be used once filed.

Applies to: Ordinary Chapter 2251 rates and rules

Conditions and exceptions: Product-specific statutes and commercial exemptions can displace Chapter 2251.

Filing method
File And Use
Timing
On or before effective date
Configuration
Product Specific
Insurance Code Chapter 2251 — RatesProperty and Casualty Filings Made Easy GuideSERFF General Instructions for Property and Casualty Filings
Verified Jul 21, 2026

Rate · Rule

Method

The filing must be submitted at least 30 days before its effective date and may not be submitted more frequently than once every six months.

Applies to: Workers compensation rate or rule filing

Conditions and exceptions: Current TDI guidance should be rechecked for any catastrophe or commissioner-specific exception when a particular filing is prepared.

Filing method
File And Use
Timing
30 days before effective date
Applies to
Workers Compensation
Configuration
Product Specific
Insurance Code Chapter 2053 — Rates for Workers' Compensation InsuranceProperty and Casualty Filings Made Easy Guide
Verified Jul 21, 2026

Underwriting Guideline

Method

TDI's published SERFF instructions classify underwriting guidelines as use and file and assign them their own filing type.

Applies to: Underwriting-guideline filing

Conditions and exceptions: The instructions are older but remain published; current filing data continues to use the underwriting-guideline filing type.

Note: The older TDI instructions remain published, and current 2024-2026 Texas filing records continue to use the Underwriting Guideline filing type.

Filing method
Use And File
Configuration
Product Specific
TDI SERFF instructions and 2024-2026 filing taxonomy
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

Texas requires separate SERFF filings by filing type including Policy Form Endorsement Rate/Rule underwriting guidelines credit-scoring model and certificate. A combined form/rate or form/rate/rule filing is not the ordinary permitted package.

Applies to: Ordinary SERFF filing composition

Conditions and exceptions: Related filings should be cross-referenced and material placed on the correct SERFF schedule.

Approval before use
Conditional
Configuration
Separate Required
SERFF General Instructions for Property and Casualty FilingsProperty and Casualty Filings Made Easy Guide
Verified Jul 21, 2026