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Property and Casualty Product Review

HELPFUL HINTS AND FREQUENTLY ASKED QUESTIONS

  • I want to make a rate/rule filing with the Office of Insurance Regulation.  What do I do first?

The best place to start would be a thorough read-through of the Florida Statutes and Administrative Rules that refer to your particular line of insurance. Please choose the title "Frequently Referenced Statutes" or "Frequently Referenced Rules" on the page appropriate to your line of insurance.

Another good place to go is the filing checklist provided by I-File; it takes you step-by-step through the requirements for making a filing.

  • Can an insurer make "File and Use", "Use and File" and/or "Prior Approval" filings? The filing laws vary depending upon the line of business, the type of filing (form, rule or rate) and the effective date of the filing. Form filings are generally governed under 627.410, FS and are strictly prior approval. Workers' Compensation rate and rule filings are governed by 627.091, FS and are strictly prior approval. Private Passenger Automobile rate and rule filings are governed by 627.062 and 627.0651, FS and may either be "Use and File" or "File and Use". All other property and casualty rate and rule filings are governed by 627.062, FS and may either be "Use and File" or "File and Use". Insurers making rate filings should review these statutes to determine which filing method is best for them.

Where do I send my rate/rule filing once it is complete?

If you are submitting a filing please click this link I-File (Industry Portal) and submit your filing electronically.

If you send any other type of correspondence to the Office, please use our street address:

Office of Insurance Regulation
Property & Casualty Product Review
200 East Gaines Street
Tallahassee, FL 32399-0330

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