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WV admitted filing requirements

West Virginia Admitted P&C filing requirements

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

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West Virginia filing requirements

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

Showing 8 of 8 requirements

Rate · Rule

Exemption

Section 33-20-4 exempts named commercial coverages from rate filing including surety and fidelity commercial inland marine boiler and machinery pollution kidnap and ransom political risk excess and umbrella D&O fiduciary EPLI professional liability other than medical malpractice media travel product liability and recall commercial cyber and highly protected property.

Applies to: Named commercial coverages

Conditions and exceptions: Apply the exact coverage definitions and statutory exclusions.

Filing method
No Filing
Timing
Not applicable
Applies to
Commercial
Filing required
No
W. Va. Code § 33-20-4
Verified Jul 21, 2026

Rate · Rule

Exemption

The commercial rate exemptions do not extend to workers compensation medical malpractice nonfleet commercial automobile covering four or fewer vehicles assigned or residual-market business or specified mine-related coverages.

Applies to: Products excluded from commercial no-file exemptions

Filing method
Other
Applies to
Commercial
Approval before use
Conditional
Configuration
Conditional
W. Va. Code § 33-20-4
Verified Jul 21, 2026

Rate · Rule

Exemption

An otherwise eligible commercial policyholder with at least $25,000 in aggregate annual commercial premium may fall within the statute's no-file commercial rate treatment.

Applies to: Eligible commercial policyholder meeting premium threshold

Conditions and exceptions: Workers compensation medical malpractice certain small nonfleet commercial auto assigned or residual market and mine-related risks are excluded.

Filing method
Other
Applies to
Commercial
Filing required
No
W. Va. Code § 33-20-4 commercial exemption
Verified Jul 21, 2026

Rate · Rule

Method

Ordinary nonexempt commercial rates manuals rules and rating plans are filed before use without affirmative preapproval and receive a 30-day review.

Applies to: Ordinary nonexempt commercial rate material

Conditions and exceptions: Named commercial coverages and eligible commercial policyholders can be exempt.

Filing method
File And Use
Timing
Before use
Applies to
Commercial
Configuration
Combined Or Separate
W. Va. Code § 33-20-4 — Rate filingsCommercial Property Review Standards Checklist
Verified Jul 21, 2026

Rate · Rule

Method

Ordinary noncommercial rate material is subject to a 60-day prior-approval/deemer route.

Applies to: Ordinary rate manual rule rating plan and supplementary information

Filing method
Prior Approval
Timing
60 days before use
Applies to
Commercial, Personal
Approval before use
Conditional
Configuration
Combined Or Separate
W. Va. Code § 33-20-4
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

Current West Virginia filing data uses both combined and separate filing types. No reviewed current source establishes a universal prohibition comparable to Washington or Wisconsin.

Applies to: Configured filing composition

Conditions and exceptions: Use product checklists and proper SERFF schedule placement.

Approval before use
Conditional
Configuration
Combined Or Separate
Current filing data and official P&C hub
Verified Jul 21, 2026