On this page
Property and casualty rate, rule and form filings in Colorado are reviewed by the Colorado Division of Insurance. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | Colorado Division of Insurance |
|---|---|
| Filing system | SERFF (department source) |
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Workers' compensation, Commercial multi-peril, Inland marine, Surety, Fidelity, Burglary and theft |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Colorado, each linked to the official text.
- 3 CCR 702-5, Regulation 5-1-10, §5.A.1.b - Annual homeowners rate filingHomeowners · Regulation
- C.R.S. §10-4-403 — The rate standard and the Colorado experience ruleCommercial multi-peril · Statute
- C.R.S. §10-3-1104.9 (SB21-169) - External consumer data, algorithms and modelsStatute
How to search Colorado's public rate and form filings
- The Colorado Division of Insurance says it uses the NAIC's SERFF Access interface for insurance company filings. Source
- Property and casualty filings listed by the division cover personal auto, homeowners, workers' compensation, commercial liability, title and commercial auto, among other lines. Source
- Filings can also be looked up on computer kiosks in the Division's Welcome Center at 1560 Broadway for people with limited internet access. Source
- Filings can include copyrighted forms from ISO, AAIS and other rating organizations, which may not be copied or reproduced without permission. Source
Start from the department's page: Colorado Division of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- C.R.S. §10-3-1104.9 (SB21-169) - External consumer data, algorithms and modelsStatute
- 3 CCR 702-5, Reg. 5-1-10, §5.B.3 - Adoption of advisory or rating organization ratesRegulation
- 3 CCR 702-5, Regulation 5-1-18 - Form certification and readabilityRegulation
- 3 CCR 702-5, Regulation 5-1-20 - Rate capping and transition plan practicesRegulation
- 3 CCR 702-5, Regulation 5-1-10 - Rate and rule filing submission requirementsDepartment guidance
Last reviewed
Homeowners
Colorado sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- 3 CCR 702-5, Regulation 5-1-10, §5.A.1.b - Annual homeowners rate filingRegulation
- 3 CCR 702-5, Regulation 5-1-17 - Availability of fire insuranceRegulation
- 3 CCR 702-5, Regulation 5-1-25 - Homeowner coverage disclosure requirementsRegulation
- 3 CCR 702-5, Regulation 5-1-26 - Homeowner reconstruction costs and replacement cost estimatesRegulation
Last reviewed
Personal auto
Colorado sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- 3 CCR 702-10, Regulation 10-1-1 - ECDIS governance for private passenger automobile insurersRegulation
- 3 CCR 702-5, Regulation 5-1-10 - Annual rate filing for private passenger automobileRegulation
- 3 CCR 702-5, Regulation 5-1-18 - Readability and the private passenger automobile form listingRegulation
- 3 CCR 702-5, Regulation 5-2-12 - Automobile insurance consumer protectionsRegulation
- 3 CCR 702-5, Regulation 5-2-16 - Summary disclosure for private passenger automobile policiesRegulation
- 3 CCR 702-5, Regulations 5-2-15 and 5-2-17 - Vehicle valuation and coverage limitationsRegulation
Last reviewed
Property and dwelling fire
Colorado sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- 3 CCR 702-5, Regulation 5-1-10 - How a property filing reaches the marketRegulation
- 3 CCR 702-5, Regulation 5-1-11 - Rate modification plans for commercial propertyRegulation
- 3 CCR 702-5, Regulation 5-1-13 - Exempt commercial policyholders and Type II propertyRegulation
- 3 CCR 702-5, Regulation 5-1-17 - Availability of fire insuranceRegulation
- 3 CCR 702-5, Regulation 5-1-18 - Scope of the form certification regimeRegulation
- 3 CCR 702-5, Regulations 5-1-21, 5-1-22, 5-1-25 and 5-1-26 - Homeowner policy scopeRegulation
Last reviewed
Workers' compensation
Colorado sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- 3 CCR 702-5, Regulation 5-1-10 as it applies to workers' compensationRegulation
- 3 CCR 702-5, Regulation 5-1-11 - Risk modification plans and workers' compensation creditsRegulation
- 3 CCR 702-5, Regulations 5-3-1, 5-3-3, 5-3-4 and 5-3-5 - The workers' compensation regulationsRegulation
Last reviewed
Commercial multi-peril
Colorado sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- C.R.S. §10-4-401 — Type II open competition covers both halves of a packageStatute
- C.R.S. §10-4-402 — What a pure premium rate, an expense provision, a rating organization and an advisory organization areStatute
- C.R.S. §10-4-403 — The rate standard and the Colorado experience ruleStatute
- C.R.S. §§10-4-1401 to 10-4-1404 — The exempt commercial policyholder exemptionStatute
- 3 CCR 702-5, Regulation 5-1-10 — The filing regulation that covers the whole packageRegulation
- 3 CCR 702-5, Regulation 5-1-11 — Risk modification plans and the multi-coverage ruleRegulation
Last reviewed
Inland marine
Colorado sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- C.R.S. 10-4-1908Statute
- Regulation 1-1-9Regulation
- Regulation 5-1-10Regulation
Last reviewed
Surety
Colorado sources for surety filings (SERFF type of insurance 24.0 Surety).
- 3 CCR 702-5, Regulation 5-1-10 - Rate and rule filing submission requirementsRegulation
- 3 CCR 702-5, Regulation 5-1-18 - Elements of certification for certain forms and contractsRegulation
- 3 CCR 702-5, Regulation 5-1-20 - Rate capping and transition plan practicesRegulation
- Colorado Regulation 5-1-10Regulation
Last reviewed
Fidelity
Colorado sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- 3 CCR 702-5 - Colorado Division of Insurance, Property and CasualtyRegulation
- 3 CCR 702-5, Regulation 5-1-10 - Rate and rule filing submission requirementsRegulation
- 3 CCR 702-5, Regulation 5-1-18 - Elements of certification for certain forms and contractsRegulation
- 3 CCR 702-5, Regulation 5-1-20 - Rate capping and transition plan practicesRegulation
Last reviewed
Burglary and theft
Colorado sources for burglary and theft filings (SERFF type of insurance 26.0 Burglary and Theft).
- Colorado Regulation 5-1-10Regulation
- Colorado Regulation 5-1-11Regulation
- Colorado Regulation 5-1-2Regulation
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the Colorado Division of Insurance before you file. All states