On this page
Property and casualty rate, rule and form filings in Delaware are reviewed by the Delaware Department 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 | Delaware Department of Insurance |
|---|---|
| Filing system | SERFF (department source) |
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Commercial auto, Workers' compensation, General and other liability, Commercial multi-peril, Medical professional liability, Inland marine, Homeowners and auto combination, Product liability, Aircraft, Surety, Fidelity, Boiler and machinery, Mortgage guaranty, Financial guaranty, Title |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Delaware, each linked to the official text.
- 18 Del. C. §§2502 and 2506 - Chapter 25 reaches fire insurance, and prior approval applies without a commercial carve-outProperty and dwelling fire · Statute
- 18 Del. C. §2712 - Filing and approval of formsStatute
- 18 Del. C. §§2504, 2507, 2528 - Rate filings, disapproval and information integrityStatute
- 18 Del. C. §4140 - Notice regarding wind, hail and hurricane deductiblesHomeowners · Statute
- 18 DE Admin. Code 1903 - Waiver of filing requirements for risks at $100,000 or more of annual premiumProperty and dwelling fire · Regulation
- 18 Del. C. § 2504 - rate filingsInland marine · Statute
How to search Delaware's public rate and form filings
- The Delaware Department of Insurance's SERFF Public Access page says insurance company filings are available to the public through the NAIC's SERFF interface. Source
- There is no fee to search public filings through the SERFF interface linked from the department's page. Source
- The department's Rate Division handles questions about finding a filing or which filings are public, by email or phone. Source
Start from the department's page: Delaware Department of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- 18 Del. C. Chapter 27 Subchapter II, readabilityStatute
- 18 Del. C. Chapter 41 Subchapter III - Declinations, renewals and cancellations of property insurance contractsStatute
- 18 Del. C. Chapter 83 - Use of Credit Information in InsuranceStatute
- 18 Del. C. §2503 - Making of ratesStatute
- 18 Del. C. §2506 - Effective date of filingStatute
- 18 Del. C. §2712 - Filing and approval of formsStatute
- 18 Del. C. §§2504, 2507, 2528 - Rate filings, disapproval and information integrityStatute
- Delaware Forms and Rates Bulletin 23 - Data requirements for filings of manual ratesBulletin
Last reviewed
Homeowners
Delaware sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- 18 Del. C. Chapter 41 Subchapter II - Basic Property Protection PlanStatute
- 18 Del. C. §4140 - Notice regarding wind, hail and hurricane deductiblesStatute
- 18 Del. C. §§4130, 4131 - Homeowners nonrenewal claim thresholds and inquiriesStatute
- 18 DE Admin. Code 701 - Basic readability requirements for homeowners insurance policy formsRegulation
- 18 DE Admin. Code 702 - Required Disclosures For Residential Homeowners PoliciesRegulation
- Delaware Forms and Rates Bulletin 8 - Effect of multiple claims on renewal of a homeowner's policyBulletin
Last reviewed
Personal auto
Delaware sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- 18 Del. C. §3902 - Uninsured and underinsured vehicle coverageStatute
- 18 Del. C. §§3904, 3905 and 3909 - Automobile policy cancellation and nonrenewalStatute
- 21 Del. C. §2118 and §2902 - Compulsory motor vehicle insurance and financial responsibility limitsStatute
- 18 DE Admin. Code 603 - Delaware Motorists Protection ActRegulation
- 18 DE Admin. Code 605 - Basic readability requirements for automobile insurance policiesRegulation
- 18 DE Admin. Code 607 - Motor vehicle accident prevention course discountRegulation
Last reviewed
Property and dwelling fire
Delaware sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- 18 Del. C. §2503(a)(3)g - Five years of fire experience, mandatoryStatute
- 18 Del. C. §4103 - Basic property insurance, qualified property and the unoccupancy ruleStatute
- 18 Del. C. §§2502 and 2506 - Chapter 25 reaches fire insurance, and prior approval applies without a commercial carve-outStatute
- 18 Del. C. §§2503(a)(5), 2503(b) and 2508 - Individual risk rating and the limit on disapprovalStatute
- 18 Del. C. §§4120 and 4140 - Where Delaware property law stops at residential risksStatute
- 18 DE Admin. Code 1903 - Waiver of filing requirements for risks at $100,000 or more of annual premiumRegulation
Last reviewed
Commercial auto
Delaware sources for commercial auto filings (SERFF type of insurance 20.0 Commercial Auto).
- 18 Del. C. §2712, filing and approval of formsDepartment guidance
- 18 Del. C. §§2503 and 2506, making of rates and effective date of filingDepartment guidance
- Delaware P&C General Filing InstructionsDepartment guidance
Last reviewed
Workers' compensation
Delaware sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- 18 Del. C. ch. 26 - the Delaware workers' compensation rating regimeStatute
- 18 Del. C. §2502(b)(4) - workers' compensation is outside the general rate chapterStatute
- 18 Del. C. §2607 - advisory organization membership, uniform plans and the annual filing cadenceStatute
- 18 Del. C. §2618 - residual market mechanismsStatute
- Delaware workplace safety programme: 18 Del. C. §2623, 19 Del. C. §2379 and 18 DE Admin. Code 802Regulation
- Delaware Domestic and Foreign Insurers Bulletin 159 and Producer and Adjuster Bulletin 38 - payroll audit practicesBulletin
Last reviewed
General and other liability
Delaware sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- 18 Del. C. Chapter 25, Rates and Rating OrganizationsDepartment guidance
- 18 Del. C. Chapter 27 Subchapter II, readabilityDepartment guidance
- Delaware P&C General Filing InstructionsDepartment guidance
Last reviewed
Commercial multi-peril
Delaware sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- 18 Del. C. §§2502 and 2503 — What the rating chapter reaches and how rates are madeStatute
- 18 Del. C. §§2504, 2506, 2508 and 2517 — What is filed, when it takes effect and the duty to charge in accordance with itStatute
- 18 Del. C. §§2505, 2509, 2521 and 2525 with 18 DE Admin. Code 1901 — Suspension of filing, excess rates and information to the insuredStatute
- 18 Del. C. §§2510, 2511, 2512, 2518 and 2522 — Membership is voluntary, adherence is notStatute
- 18 DE Admin. Code 1903 — Waiver of Filing Requirements for policies producing $100,000 or more of annual premiumRegulation
- Delaware P&C General Filing Instructions — the two tracks, the fee schedule and the withdrawal letterDepartment guidance
Last reviewed
Medical professional liability
Delaware sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- 18 Del. C. Chapter 25, Rates and Rating OrganizationsDepartment guidance
- 18 Del. C. Chapter 27 Subchapter II, readabilityDepartment guidance
- Delaware Code Title 18, Chapter 27Department guidance
- Delaware P&C General Filing InstructionsDepartment guidance
Last reviewed
Inland marine
Delaware sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- 18 Del. C. § 2502 - scopeStatute
- 18 Del. C. § 2503 - making ratesStatute
- 18 Del. C. § 2504 - rate filingsStatute
- 18 Del. C. § 2506 - effective dateStatute
- 18 Del. C. § 906 - marine and transportationStatute
- Forms and Rates Bulletin 23Bulletin
Last reviewed
Homeowners and auto combination
Delaware sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- 18 Del. C. Chapter 83, Use of Credit Information in InsuranceDepartment guidance
- 18 Del. C. §2712, filing and approval of formsDepartment guidance
- 18 Del. C. §§2503 and 2506, making of rates and effective date of filingDepartment guidance
- Delaware Department of Insurance, General Filing Instructions - Property & Casualty (October 2025)Department guidance
Last reviewed
Product liability
Delaware sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- 18 Del. C. Chapter 25, Rates and Rating OrganizationsDepartment guidance
- 18 Del. C. Chapter 27 Subchapter II, readabilityDepartment guidance
- Delaware P&C General Filing InstructionsDepartment guidance
Last reviewed
Aircraft
Delaware sources for aircraft filings (SERFF type of insurance 22.0 Aircraft).
- 18 Del. C. Chapter 25, Rates and Rating OrganizationsDepartment guidance
- 18 Del. C. Chapter 27 Subchapter II, readabilityDepartment guidance
- 18 Del. C. §§2503 and 2506, making of rates and effective date of filingDepartment guidance
Last reviewed
Surety
Delaware sources for surety filings (SERFF type of insurance 24.0 Surety).
- 18 Del. C. Chapter 25Department guidance
- 18 Del. C. section 2712Department guidance
- 18 Del. C. §2712, filing and approval of formsDepartment guidance
- 18 Del. C. §§2503 and 2506, making of rates and effective date of filingDepartment guidance
- Delaware P&C general filing instructionsDepartment guidance
Last reviewed
Fidelity
Delaware sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- 18 Del. C. Chapter 83, Use of Credit Information in InsuranceDepartment guidance
- 18 Del. C. §2712, filing and approval of formsDepartment guidance
- 18 Del. C. §§2503 and 2506, making of rates and effective date of filingDepartment guidance
- Delaware Department of Insurance, General Filing Instructions - Property & Casualty (October 2025)Department guidance
Last reviewed
Boiler and machinery
Delaware sources for boiler and machinery filings (SERFF type of insurance 27.0 Boiler & Machinery).
- 18 Del. C. Chapter 25, Rates and Rating OrganizationsDepartment guidance
- 18 Del. C. Chapter 27 Subchapter II, readabilityDepartment guidance
- 18 Del. C. §§2503 and 2506, making of rates and effective date of filingDepartment guidance
Last reviewed
Mortgage guaranty
Delaware sources for mortgage guaranty filings (SERFF type of insurance 06.0 Mortgage Guaranty).
- 18 Del. C. Chapter 25, Rates and Rating OrganizationsDepartment guidance
- 18 Del. C. Chapter 27 Subchapter II, readabilityDepartment guidance
- 18 Del. C. §§2503 and 2506, making of rates and effective date of filingDepartment guidance
Last reviewed
Financial guaranty
Delaware sources for financial guaranty filings (SERFF type of insurance 10.0 Financial Guaranty).
- 18 Del. C. Chapter 25, Rates and Rating OrganizationsDepartment guidance
- 18 Del. C. Chapter 27 Subchapter II, readabilityDepartment guidance
- 18 Del. C. §§2503 and 2506, making of rates and effective date of filingDepartment guidance
Last reviewed
Title
Delaware sources for title filings (SERFF type of insurance 34.0 Title).
- 18 Del. C. §2712, filing and approval of formsDepartment guidance
- 18 Del. C. §§2503 and 2506, making of rates and effective date of filingDepartment guidance
- Delaware P&C General Filing InstructionsDepartment guidance
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 Delaware Department of Insurance before you file. All states