On this page
Property and casualty rate, rule and form filings in Indiana are reviewed by the Indiana 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 | Indiana Department of Insurance |
|---|---|
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Personal auto, Property and dwelling fire, Workers' compensation, Commercial multi-peril, Inland marine, Homeowners and auto combination |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Indiana, each linked to the official text.
- IC 27-7-2-20.1 and 27-7-2-20.2 - Rate standard, thirty-day filing and adoption by referenceWorkers' compensation · Statute
- IC 27-7-2-20.3 - Disapproval, hearings, aggrieved-person review and interim ratesWorkers' compensation · Statute
- Ind. Code 27-2-28 - Notice of material change to a personal automobile policyPersonal auto · Statute
- Ind. Code 27-1-22-3 — ratemaking guidelines, individual risk rating plans, expense provisions and the two-pronged rate standardCommercial multi-peril · Statute
- IC 27-1-22-3 - rate standardsInland marine · Statute
- IC 27-1-22-4 - rate filingsInland marine · Statute
How to search Indiana's public rate and form filings
- The Indiana Department of Insurance says filings submitted electronically are available online at no cost through the SERFF Filing Access website. Source
- Users can search for and download filings that are made available under Indiana's public access laws. Source
- Original filings can be viewed at the department's Indianapolis offices by calling ahead to arrange an appointment. Source
Start from the department's page: Indiana Department of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- Ind. Code 27-2-21 and Indiana Bulletin 176 - Use of credit informationStatute
- Indiana Bulletin 219 - Price optimizationBulletin
- Indiana Bulletin 67 - Loss cost filing proceduresBulletin
Last reviewed
Personal auto
Indiana sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- Ind. Code 27-1-13-7 - Permissive user coverage and named driver exclusionsStatute
- Ind. Code 27-1-22-2 - The rate chapter applies to motor vehicle insuranceStatute
- Ind. Code 27-1-22-20 and 27-1-22-20.1 - High risk auto insurance and foster youth availabilityStatute
- Ind. Code 27-1-22-25 - Motor vehicle insurance; rating plan establishing higher rates for bankruptcy petitionersStatute
- Ind. Code 27-1-22-3.1 - Accident prevention course premium reductionStatute
- Ind. Code 27-2-28 - Notice of material change to a personal automobile policyStatute
Last reviewed
Property and dwelling fire
Indiana sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- Ind. Code 27-1-22-2 - fire and allied lines sits inside the Indiana rate chapterStatute
- Ind. Code 27-1-22-3(a)(1) - the fire five-year experience requirementStatute
- Ind. Code 27-1-22-4 - the commercial property filing track and its exemptionsStatute
- Ind. Code 27-1-31 - commercial property cancellation and nonrenewalStatute
- Ind. Code 27-7-12, 27-7-13 and 27-1-13-17 - the owner-occupancy test for residential propertyStatute
- Ind. Code 27-7-9 - mine subsidence on any Class 3(a) property policyStatute
Last reviewed
Workers' compensation
Indiana sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- IC 27-1-22-2(a)(5) and IC 27-7-2-1.1, 27-7-2-1.2 - Which chapter governs this lineStatute
- IC 27-7-2-15, 27-7-2-18 and 27-7-2-20 - Adherence, schedule rating exclusivity and physical impairmentStatute
- IC 27-7-2-20.1 and 27-7-2-20.2 - Rate standard, thirty-day filing and adoption by referenceStatute
- IC 27-7-2-20.3 - Disapproval, hearings, aggrieved-person review and interim ratesStatute
- IC 27-7-2-20.4, 27-7-2-28.2 and 27-7-2-40 - Restraint of trade, examination and confidential bureau dataStatute
- IC 27-7-2-28 and 27-7-2-28.1 - Rejected risks and the assigned risk planStatute
Last reviewed
Commercial multi-peril
Indiana sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- Ind. Code 27-1-13-7 — the provisions a liability coverage part must containStatute
- Ind. Code 27-1-22-2 and 27-1-22-2.5 — a package is inside the rate chapter, and only workers compensation is carved outStatute
- Ind. Code 27-1-22-3 — ratemaking guidelines, individual risk rating plans, expense provisions and the two-pronged rate standardStatute
- Ind. Code 27-1-22-4 — the general duty, the commercial policyholder track and the exemptionStatute
- Ind. Code 27-1-22-8, 27-1-22-9 and 27-1-22-13 — rating organizations, deviations and advisory organizationsStatute
- Ind. Code 27-1-31 — cancellation and nonrenewal of commercial property and casualty insuranceStatute
Last reviewed
Inland marine
Indiana sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- IC 27-1-22-3 - rate standardsStatute
- IC 27-1-22-4 - rate filingsStatute
- Bulletin 125 - product filing instructionsBulletin
- Indiana Property and Casualty filing instructionsDepartment guidance
Last reviewed
Homeowners and auto combination
Indiana sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- Indiana Bulletin 176 - The use of credit information in underwriting and rating insurance policiesDepartment guidance
- Indiana Bulletin 219 - Price optimizationDepartment guidance
- Indiana Bulletin 67 - Procedures for rating organizations and insurers electing to file loss costsDepartment guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed October 24, 2026. Requirements change and differ by line and filing: verify them with the Indiana Department of Insurance before you file. All states