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Every SERFF filing is coded with a type of insurance (TOI) and a sub-type of insurance (sub-TOI). The codes come from NAIC's Uniform Product Coding Matrix, one for property and casualty and another for life, accident and health, annuity and credit. They decide more than a label: SERFF ties a set of submission requirements to each combination of TOI, sub-TOI and filing type, so the code a filer picks determines what the state expects to see in the filing.
How the codes work
The SERFF Glossary describes a type of insurance as the way SERFF organizes the lines a state accepts through SERFF and the sub-types under them. The property and casualty matrix has four columns: the SERFF TOI, the SERFF sub-TOI, a description, and the NAIC Annual Statement line the business is reported on.
- TOI. Two digits, a decimal point and one digit: 19.0 Personal Auto, 16.0 Workers Compensation.
- Sub-TOI. Two digits, a decimal point and four digits, usually starting from the TOI's own digits: 19.0001 Private Passenger Auto (PPA), 19.0002 Motorcycle, 19.0003 Recreational Vehicle (RV).
- Combinations codes. A sub-TOI whose last digits are zeros covers several sub-types at once, such as 04.0000 Homeowners Sub-TOI Combinations, or 11.1000 for occurrence-only medical malpractice.
The matrix notes that SERFF limits each filing to a single TOI and sub-TOI. So a change that spans two lines generally needs a filing for each, unless one of the matrix's combination or interline codes covers it.
Property and casualty TOIs in the 2026 matrix
The Uniform Property & Casualty Product Coding Matrix effective January 1, 2026 lists these types of insurance:
| TOI | Name | Example sub-TOIs |
|---|---|---|
| 01.0 | Property | 01.0001 Commercial Property, 01.0002 Personal Property |
| 02.1 | Crop | 02.1001 Crop - Hail Non-Federally Reinsured Only |
| 02.3 | Flood | 02.3001 Commercial Flood, 02.3002 Personal Flood |
| 03.0 | Personal Farmowners | 03.0000 Personal Farmowners |
| 04.0 | Homeowners | 04.0001 Condominium, 04.0003 Owner Occupied, 04.0004 Tenant |
| 05.0, 05.1, 05.2 | Commercial multi-peril: liability and non-liability, non-liability portion only, liability portion only | 05.0001 Builders Risk |
| 06.0 | Mortgage Guaranty | 06.0000 MG Sub-TOI Combinations |
| 08.0 | Ocean Marine | 08.0000 Ocean Marine |
| 09.0 | Inland Marine | 09.0000 Inland Marine Sub-TOI Combinations |
| 10.0 | Financial Guaranty | 10.0000 Financial Guaranty |
| 11.0, 11.1, 11.2 | Medical malpractice: claims made and occurrence, occurrence only, claims made only | 11.1009 and 11.2009 Hospitals |
| 12.0 | Earthquake | |
| 16.0 | Workers Compensation | 16.0000 WC Sub-TOI Combinations |
| 17.0, 17.1, 17.2 | Other liability: occurrence and claims made, occurrence only, claims made only | 17.0000 Other Liability Sub-TOI Combinations |
| 18.0 | Product Liability | 18.0002 Product Liab - Claims Made Only |
| 19.0 | Personal Auto | 19.0001 Private Passenger Auto (PPA) |
| 20.0 | Commercial Auto | 20.0001 Business Auto, 20.0002 Garage, 20.0004 Truckers |
| 21.4 | Mobile Homes under Transport | 21.0004 Mobile Homes under Transport |
| 22.0 to 24.0 | Aircraft, Fidelity, Surety | 22.0000 Aircraft |
| 26.0 | Burglary and Theft | 26.0001 Commercial, 26.0002 Personal |
| 27.0 | Boiler & Machinery or Equipment Breakdown | |
| 28.1 to 28.3 | Credit: credit default, personal property, commercial property | 28.2001 Creditor - Placed Home |
| 30.0 | Homeowner/Auto Combinations | 30.0000 Homeowner/Auto Combinations |
| 30.1 | Dwelling Fire/Personal Liability | 30.1000 Dwelling Fire/Personal Liability |
| 33.0 | Other Lines of Business | 33.0001 Other Personal Lines |
| 34.0 | Title | 34.0000 Title |
| 35.0 | Interline Filings | 35.0000 Personal/Commercial Interline Filings |
The full matrix has every sub-TOI with its description and annual statement line. Read it rather than this summary when choosing a code, because descriptions settle many borderline cases.
Choosing the right code
Picking a TOI and sub-TOI
Find the line
Start from the matrix in effect on the filing date and find the TOI whose description fits the coverage.
Find the product
Pick the sub-TOI that matches the product. If the filing covers several, use the combinations code.
Check the special rules
Apply the matrix's notes, such as filing flood added to a property policy under the property code.
Check the state
Confirm the state accepts that line through SERFF and read its instructions for the combination.
The matrix's own rules settle the common questions:
- Several products in one filing. When a filing contains more than one sub-TOI, use the line's combinations code, which the matrix calls the .0000 code. The matrix's example: a homeowners filing that includes both 04.0003 Owner Occupied Homeowners and 04.0004 Tenant Homeowners uses 04.0000.
- Coverage added as a peril. If flood coverage is offered as an additional peril on a property policy, the matrix says to file it under the applicable property code, not 02.3 Flood.
- Occurrence or claims made. Medical malpractice and other liability have separate TOIs for occurrence only (11.1, 17.1) and claims made only (11.2, 17.2), plus a TOI for filings with both (11.0, 17.0).
- Forms or rules that apply across lines. Code 35.0000 is for a personal and commercial filing of forms, classifications or territories that applies to more than one type of insurance. The matrix's examples are cancellation provisions, a declarations page and a payment plan rule.
Versions and state adoption
The matrix is revised from time to time, and each version carries its effective date. Mississippi's property and casualty instructions say the department has adopted the NAIC matrix, that it may be updated periodically to become effective in January of the year a change was made, and that filers should use the matrix in effect on the date of filing. Mississippi also uses the same codes on paper filings.
States accept different lines through SERFF. NAIC's state participation page lists each state's lines not regulated and whether it uses the coding matrix, and the state's General Instructions carry its own filing instructions. A code that exists in the matrix is not a promise that every state accepts filings under it.
Life, accident and health, annuity and credit products have their own matrix. Washington's SERFF guidelines page links both 2026 matrices.
Why the code matters after filing
- Requirements. The TOI, sub-TOI and filing type select the submission requirements the state attached to that combination, so a wrong code can mean a filing built against the wrong list of what the state expects.
- Public search. SERFF Filing Access searches by type of insurance. California's instructions, for example, name type of insurance, company name and date ranges as search parameters. Filings coded differently will not appear together.
- Older filings. Codes change between matrix versions, so a filing from an earlier year may carry a code that no longer appears, or appears with a different description, in the current matrix. Search by the older code too when researching history.
What is SERFF? covers how the TOI, sub-TOI and filing type fit into a filing, and rate, rule and form filings covers the filing types themselves.
Sources
- NAIC, Uniform Property & Casualty Product Coding Matrix, effective January 1, 2026 (copy published by the Washington Office of the Insurance Commissioner)
- Washington Office of the Insurance Commissioner, SERFF guidelines (links to the 2026 coding matrices)
- Mississippi Insurance Department, General Instructions: Property/Casualty Form/Rate Filings
- SERFF, SERFF Glossary
- NAIC, SERFF state participation
- California Department of Insurance, Public Viewing Rooms
General information about regulatory practice, not legal or actuarial advice. Requirements differ by state, line and filing; check the current rules with the department of insurance before you file.