On this page
Property and casualty rate, rule and form filings in Michigan are reviewed by the Michigan Department of Insurance and Financial Services. This page summarizes how filing works there from public sources: 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 | Michigan Department of Insurance and Financial Services |
|---|---|
| Filing system | SERFF (department source) |
| Lines summarized | Personal auto, Property and dwelling fire, Workers' compensation, General and other liability, Commercial multi-peril, Medical professional liability, Inland marine, Farmowners, Homeowners and auto combination, Product liability |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Michigan, each linked to the official text.
- MCL 500.2408 and 500.2430 - The Chapter 24 waiting period, the deemer and the alternative method of filingStatute
- MCL 500.2606 and 500.2608 - Chapter 26 filing and the 15-day waiting periodStatute
- Commissioner Order 10-005-M and Bulletin 2010-02-INS - Policy form prior approvalBulletin
- MCL 500.2108 - Automobile filing, the 90-day non-extendable waiting period, public inspection and the anti-redlining specificationPersonal auto · Statute
- MCL 500.2608 - the fifteen-day waiting period, the extension and the deemerProperty and dwelling fire · Statute
- MCL 500.2408 - the fifteen-day waiting period does not apply to this lineWorkers' compensation · Statute
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- MCL 500.2236(8)(e), (11) - Exempt commercial policyholdersStatute
- MCL 500.2401 - Applicability of Chapter 24Statute
- MCL 500.2408 and 500.2430 - The Chapter 24 waiting period, the deemer and the alternative method of filingStatute
- MCL 500.2601 - Scope of Chapter 26, the property rate chapterStatute
- MCL 500.2603 - Chapter 26 rate making provisionsStatute
- MCL 500.2606 and 500.2608 - Chapter 26 filing and the 15-day waiting periodStatute
- Mich. Admin. Code R 500.1501 to R 500.1521 - Essential InsuranceRegulation
- Commissioner Order 10-005-M and Bulletin 2010-02-INS - Policy form prior approvalBulletin
Last reviewed
Personal auto
Michigan sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- MCL 500.2108 - Automobile filing, the 90-day non-extendable waiting period, public inspection and the anti-redlining specificationStatute
- MCL 500.2111 - Automobile classification factors, merit rating and prohibited basesStatute
- MCL 500.2111f - Personal protection insurance premium reduction requirementsStatute
- MCL 500.2118, 500.2119 and 500.2120 - Automobile underwriting rules, uniform application and affiliate placementStatute
- MCL 500.3009, 500.3101 and 500.3135 - Compulsory security, liability limits and the tort thresholdStatute
- MCL 500.3107c, 500.3107d and 500.3109a - Personal protection insurance choice, opt-out and qualified health coverage exclusionStatute
Last reviewed
Property and dwelling fire
Michigan sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- MCL 500.2103 and MCL 500.2106 - where dwelling fire stops being Chapter 26 businessStatute
- MCL 500.2236(11) with MCL 500.2601(3)(f) and MCL 500.2401(2)(d) - the Michigan commercial exemptionStatute
- MCL 500.2601 and MCL 500.610 - property insurance is Chapter 26 businessStatute
- MCL 500.2608 - the fifteen-day waiting period, the extension and the deemerStatute
- MCL 500.2826, MCL 500.2827 and MCL 500.2840 - replacement cost, and the rules Michigan does not haveStatute
- MCL 500.2833 and MCL 500.2834 - the fire policy provisions that replaced the standard formStatute
Last reviewed
Workers' compensation
Michigan sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- MCL 500.2301 to 500.2320 - the Michigan worker's compensation placement facilityStatute
- MCL 500.2401 and 500.2406 - chapter 24 reaches this line and then carves it out of its own machineryStatute
- MCL 500.2402 and 500.2407 - the data collection agency, the designated advisory organization and pure premium dataStatute
- MCL 500.2403, 500.2426 and 500.2430 - rate standards, the manual safe harbour and the alternative filing routeStatute
- MCL 500.2408 - the fifteen-day waiting period does not apply to this lineStatute
- MCL 500.2411 - classification bases, the mandatory merit rating plan and the single enterprise prohibitionStatute
Last reviewed
General and other liability
Michigan sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- DIFS Bulletin 2008-05-INSDepartment guidance
- DIFS Review Standards ChecklistsDepartment guidance
- MCL 500.2606 - Chapter 26 rate filings and supporting informationDepartment guidance
- Mich. Admin. Code R 500.1501 to R 500.1521, Essential InsuranceDepartment guidance
Last reviewed
Commercial multi-peril
Michigan sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- MCL 500.2236 — Prior approval of forms, the form adherence duty, the personal-lines readability scope and the exempt commercial policyholder definitionStatute
- MCL 500.2401 and 500.2601 — Which chapter each coverage part of a package answers to, and the designation for the overlapStatute
- MCL 500.2403 and 500.2603 — Two standards sections for one package, and where they divergeStatute
- MCL 500.2404, 500.2405 and 500.2834 — Two mandatory commercial plans and the commercial terrorism exclusionStatute
- MCL 500.2406, 500.2408, 500.2606, 500.2608, 500.2430 and 500.2628 — The fifteen-day waiting period and the alternative method with noneStatute
- MCL 500.2410, 500.2414, 500.2420, 500.2610, 500.2614 and 500.2652 — The filing waiver, consent to rate, and how a filing in effect is challengedStatute
Last reviewed
Medical professional liability
Michigan sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- MCL 500.2401 - Applicability of Chapter 24Department guidance
- MCL 500.2601 - Scope of Chapter 26, the property rate chapterDepartment guidance
- MCL 500.2608 - The Chapter 26 waiting period and deemerDepartment guidance
- MCL 500.610 - Property insurance definedDepartment guidance
Last reviewed
Inland marine
Michigan sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- MCL 500.2601Statute
- MCL 500.2603Statute
- MCL 500.2606Statute
- MCL 500.2608Statute
- Bulletin 2008-05-INSBulletin
Last reviewed
Farmowners
Michigan sources for farmowners filings (SERFF type of insurance 03.0 Personal Farmowners).
- DIFS Bulletin 2021-07-INS (28 January 2021), requirements applicable to auto insurance rate, rule and form filingsDepartment guidance
- MCL 500.2108 - Filing of manual or plan; automobile insurance compliance with chapter 24; redlining practices prohibitedDepartment guidance
- Mich. Admin. Code R 500.1501 to R 500.1521, Essential InsuranceDepartment guidance
Last reviewed
Homeowners and auto combination
Michigan sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- DIFS Bulletin 2021-07-INS (28 January 2021), requirements applicable to auto insurance rate, rule and form filingsDepartment guidance
- MCL 500.2108 - Filing of manual or plan; automobile insurance compliance with chapter 24; redlining practices prohibitedDepartment guidance
- Mich. Admin. Code R 500.1501 to R 500.1521, Essential InsuranceDepartment guidance
Last reviewed
Product liability
Michigan sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- MCL 500.2606 - Chapter 26 rate filings and supporting informationRegulation
- DIFS Bulletin 2008-05-INSDepartment guidance
- DIFS Review Standards ChecklistsDepartment guidance
- Mich. Admin. Code R 500.1501 to R 500.1521, Essential InsuranceDepartment 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 Michigan Department of Insurance and Financial Services before you file. All states