On this page
Property and casualty rate, rule and form filings in Maryland are reviewed by the Maryland Insurance Administration. 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 | Maryland Insurance Administration |
|---|---|
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Workers' compensation, General and other liability, Commercial multi-peril, Medical professional liability, Inland marine, Farmowners, Earthquake, Homeowners and auto combination, Product liability, Surety, Title |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Maryland, each linked to the official text.
- Md. Code Ann., Ins. §11-206 - Waiting period and deemerStatute
- Md. Code, Insurance 11-205 - Rate standardInland marine · Statute
- MIA General Filing RequirementsInland marine · Department guidance
How to search Maryland's public rate and form filings
- The Maryland Insurance Administration offers public access to certain insurance rate and form filings through the SERFF Filing Access website. Source
- The department's Online Services page lists a Rate and Form Filings search for approved rate filings, including property and casualty lines. Source
- The department's own access to SERFF is broader than the public's access to insurers' rate and form filings, so not everything regulators see is shown to the public. Source
Start from the department's page: Maryland Insurance Administration.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- Md. Code Ann., Ins. §11-206 - Waiting period and deemerStatute
- Md. Code Ann., Ins. §11-306 - Rate standardsStatute
- Md. Code Ann., Ins. §11-307 - Rate filings under competitive ratingStatute
- Md. Code Ann., Ins. §11-307(c) - Proprietary rate-related informationStatute
- Md. Code Ann., Ins. §11-308 - Disapproval of ratesStatute
- Md. Code Ann., Ins. §2-112 - Filing feesStatute
- Md. Code Ann., Ins. §27-501(e-2) - Use of credit historyStatute
- Md. Code Ann., Ins. §§12-203, 12-205 - Filing and approval of formsStatute
Last reviewed
Homeowners
Maryland sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- Md. Code Ann., Ins. §11-306(b)(4), (e)(4) - Personal lines rate standard and geographic areaStatute
- Md. Code Ann., Ins. §19-205 - Annual statement to homeowner's policyholdersStatute
- Md. Code Ann., Ins. §19-209 - Percentage deductibles in homeowner's insuranceStatute
- Md. Code Ann., Ins. §25-403 - Joint Insurance AssociationStatute
- Md. Code Ann., Ins. §27-501(e-2)(2) - Credit prohibited in homeowner's insuranceStatute
- MIA Bulletin 14-19 - Frequently asked questions on percentage deductiblesBulletin
Last reviewed
Personal auto
Maryland sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- Md. Code Ann., Ins. §19-505 - Required personal injury protection benefitsStatute
- Md. Code Ann., Ins. §19-506 - Waiver of required personal injury protection coverageStatute
- Md. Code Ann., Ins. §19-509 - Uninsured motorist coverageStatute
- Md. Code Ann., Ins. §19-509.1 - Enhanced underinsured motorist coverageStatute
- Md. Code Ann., Ins. §19-510 - Waiver of uninsured motorist coverage above required limitsStatute
- Md. Code Ann., Ins. §20-502 - Eligibility for Maryland Automobile Insurance Fund coverageStatute
Last reviewed
Property and dwelling fire
Maryland sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- Md. Code Ann., Ins. §11-303 and §11-202(c) - Which rate subtitle governs property insuranceStatute
- Md. Code Ann., Ins. §11-306 - Rate standards, and the personal lines excessive-rate carve-outStatute
- Md. Code Ann., Ins. §19-208, §19-111 and §19-107 - Maryland property policy content and geographic availabilityStatute
- Md. Code Ann., Ins. §25-401 and §25-403 - Joint Insurance Association and essential property insuranceStatute
- COMAR 31.07.01 - Reference filings of advisory prospective loss costsRegulation
- Md. Code Ann., Ins. Title 19 Subtitle 3 and COMAR 31.08.01 - Antiarson applicationsRegulation
Last reviewed
Workers' compensation
Maryland sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- Md. Code Ann., Ins. §11-303 and §11-202 - Which subtitle governs a Maryland workers' compensation rateStatute
- Md. Code Ann., Ins. §11-306 and §11-308 - Rate standards and the competition hearingStatute
- Md. Code Ann., Ins. §11-307 - Company rates, the workers' compensation exception and the rating factor disclosure ruleStatute
- Md. Code Ann., Ins. §11-329 - Rating organization membership, uniform plans, tiering, schedule rating and the drug-free workplace discountStatute
- Md. Code Ann., Ins. §11-330 - Workers' compensation filings and the provision for claim paymentStatute
- Md. Code Ann., Ins. §19-402 to §19-406 - Workers' compensation policy approval, rate adequacy, deductibles and noticesStatute
Last reviewed
General and other liability
Maryland sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- Md. Code Ann., Ins. §11-307 - Rate filings and proprietary rate-related informationRegulation
- Maryland Insurance Administration - General Filing InstructionsDepartment guidance
- Maryland Insurance Administration Bulletin P&C 00-06 - Filing feesDepartment guidance
- Md. Code Ann., Ins. §2-112 - FeesDepartment guidance
- Md. Code Ann., Ins. §27-601 - Personal insurance definitionsDepartment guidance
Last reviewed
Commercial multi-peril
Maryland sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- Md. Code Ann., Ins. §11-202 — Scope, and the designation for a combination of kinds of insuranceStatute
- Md. Code Ann., Ins. §11-206 — One filing for rates and forms, a working-day waiting period, and the exempt commercial policyholderStatute
- Md. Code Ann., Ins. §11-306 — Rate standards, expense systems for a combination of insurance, and the geographic-area prohibitionStatute
- Md. Code Ann., Ins. §11-307 — Competitive rating filings, rating organization use and the limits of proprietary designationStatute
- Maryland Insurance Administration General Filing InstructionsDepartment guidance
- Md. Code Ann., Ins. §§11-210 and 11-311 with the MIA Consent-to-Rate ApplicationDepartment guidance
Last reviewed
Medical professional liability
Maryland sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- Maryland Insurance Administration - General Filing InstructionsDepartment guidance
- Md. Code Ann., Ins. §11-206 - Waiting period and deemerDepartment guidance
- Md. Code Ann., Ins. §11-307 - Rate filings and proprietary rate-related informationDepartment guidance
- Md. Code Ann., Ins. §12-203 - Filing and approval of formsDepartment guidance
Last reviewed
Inland marine
Maryland sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- Md. Code, Insurance 1-101 - Marine definitionStatute
- Md. Code, Insurance 11-202 - ScopeStatute
- Md. Code, Insurance 11-205 - Rate standardStatute
- Md. Code, Insurance 11-206 - Filing tracksStatute
- Md. Code, Insurance 11-207 - DisapprovalStatute
- MIA General Filing RequirementsDepartment guidance
Last reviewed
Farmowners
Maryland sources for farmowners filings (SERFF type of insurance 03.0 Personal Farmowners).
- Maryland Insurance Administration - General Filing InstructionsDepartment guidance
- Maryland Insurance Administration Bulletin 14-19 - FAQs on percentage deductiblesDepartment guidance
- Md. Code Ann., Ins. §19-209 - Percentage deductibles in homeowner's insuranceDepartment guidance
- Md. Code Ann., Ins. §20-502 - Eligibility for Maryland Automobile Insurance Fund coverageDepartment guidance
- Md. Code Ann., Ins. §27-501 - Refusal to underwrite; use of credit historyDepartment guidance
Last reviewed
Earthquake
Maryland sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- Maryland Insurance Administration - General Filing InstructionsDepartment guidance
- Maryland Insurance Administration Bulletin P&C 00-06 - Filing feesDepartment guidance
- Md. Code Ann., Ins. §11-206 - Waiting period and deemerDepartment guidance
- Md. Code Ann., Ins. §11-306 - Rate standardsDepartment guidance
- Md. Code Ann., Ins. §11-307 - Rate filings and proprietary rate-related informationDepartment guidance
Last reviewed
Homeowners and auto combination
Maryland sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- Maryland Insurance Administration - General Filing InstructionsDepartment guidance
- Maryland Insurance Administration Bulletin 14-19 - FAQs on percentage deductiblesDepartment guidance
- Md. Code Ann., Ins. §19-209 - Percentage deductibles in homeowner's insuranceDepartment guidance
- Md. Code Ann., Ins. §20-502 - Eligibility for Maryland Automobile Insurance Fund coverageDepartment guidance
- Md. Code Ann., Ins. §27-501 - Refusal to underwrite; use of credit historyDepartment guidance
Last reviewed
Product liability
Maryland sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- Md. Code Ann., Ins. §11-307 - Rate filings and proprietary rate-related informationRegulation
- Maryland Insurance Administration - General Filing InstructionsDepartment guidance
- Maryland Insurance Administration Bulletin P&C 00-06 - Filing feesDepartment guidance
- Md. Code Ann., Ins. §2-112 - FeesDepartment guidance
- Md. Code Ann., Ins. §27-601 - Personal insurance definitionsDepartment guidance
Last reviewed
Surety
Maryland sources for surety filings (SERFF type of insurance 24.0 Surety).
- Md. Code Ann., Ins. §11-307 - Rate filings and proprietary rate-related informationStatute
- Md. Code Ann., Insurance section 11-202Statute
- Md. Code Ann., Insurance section 11-206Statute
- MIA Bulletin 00-21Bulletin
- Maryland General Filing InstructionsDepartment guidance
Last reviewed
Title
Maryland sources for title filings (SERFF type of insurance 34.0 Title).
- Maryland Insurance Administration - General Filing InstructionsDepartment guidance
- Maryland Insurance Administration Bulletin P&C 00-06 - Filing feesDepartment guidance
- Md. Code Ann., Ins. §11-206 - Waiting period and deemerDepartment guidance
- Md. Code Ann., Ins. §11-306 - Rate standardsDepartment guidance
- Md. Code Ann., Ins. §11-307 - Rate filings and proprietary rate-related informationDepartment 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 Maryland Insurance Administration before you file. All states