Admitted P&C filing requirements by state

A private-passenger auto insurer must list and certify each new covered form at least 31 days before use. A commercial-auto policy with an individually-owned private-passenger-auto-type endorsement follows the same certification requirements.

Unless a statute specifically requires prior approval Colorado classifies rate rule and loss-cost filings as file-and-use. Rates must be filed before distribution release to producers premium collection advertising or other use.

A private passenger/non-commercial motor vehicle or homeowners rate must be filed and cannot become effective until the 90-day review period runs or the commissioner acts. If no determination is made within 90 days the rate is deemed approved.

Each rate, rule, and minimum premium must be filed through SERFF before use.

Regulation 72 exempts eligible commercial entities from form filing and approval when the premium size organizational and signed-certification conditions are met; rates and rules remain subject to filing.

The rate filing is informational only for a qualifying commercial risk.

Specified form and rate filing and approval chapters do not apply when the policyholder elects treatment and satisfies the premium size risk-manager and certification criteria.

Covered rating material must be filed electronically at least 30 days before its effective date unless the waiting period is waived.

Rate and form filing requirements do not apply when the policyholder certifies eligibility and pays at least $25000 annual P&C premium while satisfying two statutory organizational criteria.

An electing qualifying large commercial policyholder receives broad exemptions from specified rate form and policy-content requirements.