On this page
Property and casualty rate, rule and form filings in Massachusetts are reviewed by the Massachusetts 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 | Massachusetts Division of Insurance |
|---|---|
| Public filings | Public inspection of rate filings (how to search) |
| Lines summarized | Homeowners, Personal auto, Workers' compensation, General and other liability, Commercial multi-peril, Medical professional liability, Inland marine, Farmowners, Earthquake, Homeowners and auto combination, Product liability, Title |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Massachusetts, each linked to the official text.
- M.G.L. c. 175E §§2, 3, 7 and 8 - Scope of the motor vehicle rate law, the forty-five day filing window and the Commissioner's review powersPersonal auto · Statute
- M.G.L. c. 174A §6 and c. 175A §6 — The fifteen-day window, the thirty-day delay, the filing waiver, consent to rate and the indivisible premium package filingCommercial multi-peril · Statute
- M.G.L. c. 174A §6 - Rate filingsStatute
- M.G.L. c. 175 §193P - Notice of intent not to renewStatute
- M.G.L. c. 175C §5 - FAIR Plan rate filingsHomeowners · Statute
- M.G.L. c. 175A §6 - Casualty rate filingsGeneral and other liability · Department guidance
How to search Massachusetts's public rate and form filings
- Massachusetts law (G.L. c. 175A, s. 6) says a rate filing made with the Commissioner of Insurance, and its supporting information, are open to public inspection once the filing becomes effective. Source
Start from the department's page: Massachusetts Division of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- M.G.L. c. 174A §4 - Scope of the property rate lawStatute
- M.G.L. c. 174A §5 - Rate making standardsStatute
- M.G.L. c. 174A §6 - Rate filingsStatute
- M.G.L. c. 174A §7 - Disapproval of filingsStatute
- M.G.L. c. 175 §14 - FeesStatute
- M.G.L. c. 175 §192 - Riders, endorsements and applicationsStatute
- M.G.L. c. 175 §193P - Notice of intent not to renewStatute
- M.G.L. c. 175 §2B - Policy form filing, readability and approvalStatute
Last reviewed
Homeowners
Massachusetts sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- M.G.L. c. 174A §4 and c. 175 §47 - Which rate law governs homeownersStatute
- M.G.L. c. 174A §5 - Catastrophe reinsurance in homeowners rate makingStatute
- M.G.L. c. 175 §193P - Homeowners nonrenewal noticeStatute
- M.G.L. c. 175 §§4A, 4B - Homeowners data reportingStatute
- M.G.L. c. 175C §4 - FAIR Plan membership, participation and assessmentStatute
- M.G.L. c. 175C §5 - FAIR Plan rate filingsStatute
Last reviewed
Personal auto
Massachusetts sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- M.G.L. c. 175 §113B - Fixing and establishing classifications of risks and premium charges, the Safe Driver Insurance Plan and mandated reductionsStatute
- M.G.L. c. 175 §113H - Assigned risk plans and Commonwealth Automobile ReinsurersStatute
- M.G.L. c. 175E §4 - Standards applicable to the making and use of motor vehicle ratesStatute
- M.G.L. c. 175E §§2, 3, 7 and 8 - Scope of the motor vehicle rate law, the forty-five day filing window and the Commissioner's review powersStatute
- M.G.L. c. 90 §§34A, 34M and 34O, c. 175 §113L and c. 231 §6D - Compulsory coverages, personal injury protection and the tort thresholdStatute
Last reviewed
Workers' compensation
Massachusetts sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- M.G.L. c. 152 §53A - the Massachusetts workers' compensation rate regimeStatute
- M.G.L. c. 152 §55 and c. 175 §111A - the workers' compensation policy formStatute
- M.G.L. c. 152 §§52C to 52F - licensing, subscribership, appeal and judicial reviewStatute
- M.G.L. c. 152 §§65A and 65C - the designated insurer route and the reinsurance poolStatute
- M.G.L. c. 175A §4 and c. 175 §47 - why the general casualty rate chapter does not reach this lineStatute
- M.G.L. c. 26 §8E - the State Rating Bureau and the workers' compensation assessmentStatute
Last reviewed
General and other liability
Massachusetts sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- M.G.L. c. 174A §6 - Rate filingsDepartment guidance
- M.G.L. c. 175 §192 - Riders, endorsements and applicationsDepartment guidance
- M.G.L. c. 175A §6 - Casualty rate filingsDepartment guidance
- Massachusetts Division of Insurance - Compliance Checklists and Filing GuidanceDepartment guidance
Last reviewed
Commercial multi-peril
Massachusetts sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- M.G.L. c. 174A §4 and c. 175A §4 — Which chapter each coverage part of a package answers to, and the designation for the overlapStatute
- M.G.L. c. 174A §5 and c. 175A §5 — Two standards sections for one packageStatute
- M.G.L. c. 174A §6 and c. 175A §6 — The fifteen-day window, the thirty-day delay, the filing waiver, consent to rate and the indivisible premium package filingStatute
- M.G.L. c. 174A §9, c. 175A §9 and c. 175A §10 — Mandatory adherence, the annual deviation and the expense-system appealStatute
- M.G.L. c. 175 §195 — The fire service assessment on commercial multiple peril policiesStatute
- M.G.L. c. 175 §224 — Large commercial policyholders, and how far the exemption reaches into a packageStatute
Last reviewed
Medical professional liability
Massachusetts sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- M.G.L. c. 174A §4 - Scope of the fire, marine and inland marine rate lawDepartment guidance
- M.G.L. c. 174A §6 - Rate filingsDepartment guidance
- M.G.L. c. 175 §2B - Readability of policy form; approvalDepartment guidance
- M.G.L. c. 175 §47 - Classes of insuranceDepartment guidance
Last reviewed
Inland marine
Massachusetts sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- M.G.L. c.174A §4 - definitionsStatute
- M.G.L. c.174A §5 - rate standardsStatute
- M.G.L. c.174A §6 - rate filingsStatute
- M.G.L. c.174A §7 - disapprovalStatute
- M.G.L. c.175 §2B - policy formsStatute
- Massachusetts P&C filing requirements and guidanceDepartment guidance
Last reviewed
Farmowners
Massachusetts sources for farmowners filings (SERFF type of insurance 03.0 Personal Farmowners).
- M.G.L. c. 174A §5 - Rate making standardsDepartment guidance
- M.G.L. c. 175 §4A - Homeowners statistical reportingDepartment guidance
- M.G.L. c. 175C §5 - FAIR Plan rate filingsDepartment guidance
- M.G.L. c. 175E §2, Application of chapterDepartment guidance
- M.G.L. c. 175E §3, Application of chapter 175ADepartment guidance
Last reviewed
Earthquake
Massachusetts sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- M.G.L. c. 174A §4 - Scope of the fire, marine and inland marine rate lawDepartment guidance
- M.G.L. c. 174A §6 - Rate filingsDepartment guidance
- M.G.L. c. 175 §2B - Readability of policy form; approvalDepartment guidance
- Massachusetts Division of Insurance - Compliance Checklists and Filing GuidanceDepartment guidance
Last reviewed
Homeowners and auto combination
Massachusetts sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- M.G.L. c. 174A §5 - Rate making standardsDepartment guidance
- M.G.L. c. 175 §4A - Homeowners statistical reportingDepartment guidance
- M.G.L. c. 175C §5 - FAIR Plan rate filingsDepartment guidance
- M.G.L. c. 175E §2, Application of chapterDepartment guidance
- M.G.L. c. 175E §3, Application of chapter 175ADepartment guidance
Last reviewed
Product liability
Massachusetts sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- M.G.L. c. 174A §6 - Rate filingsDepartment guidance
- M.G.L. c. 175 §192 - Riders, endorsements and applicationsDepartment guidance
- M.G.L. c. 175A §6 - Casualty rate filingsDepartment guidance
- Massachusetts Division of Insurance - Compliance Checklists and Filing GuidanceDepartment guidance
Last reviewed
Title
Massachusetts sources for title filings (SERFF type of insurance 34.0 Title).
- M.G.L. c. 174A §6 - Rate filingsDepartment guidance
- M.G.L. c. 175 §192 - Riders, endorsements and applicationsDepartment guidance
- M.G.L. c. 175 §2B - Readability of policy form; approvalDepartment guidance
- M.G.L. c. 175A §6 - Casualty rate filingsDepartment guidance
- Massachusetts Division of Insurance - Compliance Checklists and Filing GuidanceDepartment 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 Massachusetts Division of Insurance before you file. All states