On this page
Property and casualty rate, rule and form filings in Minnesota are reviewed by the Minnesota Department of Commerce. 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 | Minnesota Department of Commerce |
|---|---|
| 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, Fidelity, Title |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Minnesota, each linked to the official text.
- Minn. Stat. 79.56 and 79.561 - sixty-day prefiling, disapproval and the contested caseWorkers' compensation · Statute
- Minn. Stat. 70A.06, Filing of rates; excessive rate hearings; policy form filingsFarmowners · Department guidance
- Minn. Stat. 60A.315 - Expedited form and rate filing procedureStatute
- Minn. Stat. 65A.01 - Standard fire policy and termination notice periodsStatute
- Minn. Stat. 70A.04 - Rate standardsStatute
- Minn. Stat. 65A.29 - Homeowner's notice and availability obligationsHomeowners · Statute
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- Minn. Stat. 13.37 - Trade secret informationStatute
- Minn. Stat. 60A.14 - Filing feesStatute
- Minn. Stat. 60A.315 - Expedited form and rate filing procedureStatute
- Minn. Stat. 65A.01 - Standard fire policy and termination notice periodsStatute
- Minn. Stat. 70A.04 - Rate standardsStatute
- Minn. Stat. 70A.06 - Filing of rates and policy formsStatute
- Minn. Stat. 70A.08 - Rate making and delegated filingStatute
- Minn. Stat. 72A.20, subd. 36 - Use of credit informationStatute
Last reviewed
Homeowners
Minnesota sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- Minn. Stat. 65A.26 - Mandatory hail appraisal provisionStatute
- Minn. Stat. 65A.29 - Homeowner's notice and availability obligationsStatute
- Minn. Stat. 65A.29, subd. 8a - Losses from lightning, wind, rain or hailStatute
- Minn. Stat. 65A.298 - Fortified home premium discountStatute
- Minn. Stat. 65A.31 to 65A.42 - Minnesota FAIR Plan ActStatute
- Minn. Stat. 72A.20, subd. 13 - Prohibited homeowners rating basesStatute
Last reviewed
Personal auto
Minnesota sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- Minn. Stat. 65B.06, 65B.08 and 65B.63 - Minnesota Automobile Insurance Plan coverages and rates and the assigned claims planStatute
- Minn. Stat. 65B.133 and Minn. R. 2770.1100 to 2770.1900 - Surcharge plans and disclosureStatute
- Minn. Stat. 65B.28, 65B.285, 65B.132 and 65B.134 - Mandated premium reductions and the safety glass optionStatute
- Minn. Stat. 65B.44 - Basic economic loss benefitsStatute
- Minn. Stat. 65B.48 and 65B.49 - Compulsory reparation security, residual liability limits and uninsured and underinsured motorist coveragesStatute
- Minn. Stat. 65B.51 - Deduction of collateral benefits from tort recovery and the limitation on the right to recover damagesStatute
Last reviewed
Property and dwelling fire
Minnesota sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- Minn. Stat. 297I.06 - the fire safety surcharge on commercial fire premiumStatute
- Minn. Stat. 60A.315 with Minn. Stat. 65A.27 - the lines the expedited route reachesStatute
- Minn. Stat. 60A.36 and 60A.37 with Minn. Stat. 65A.01, subd. 3a and 3c - where property termination rules splitStatute
- Minn. Stat. 65A.01 - the Minnesota standard fire insurance policyStatute
- Minn. Stat. 65A.08 - the valued policy rule, the coinsurance consent rule and the term limitStatute
- Minn. Stat. 65A.09 and Minn. Stat. 65A.10 - writing above replacement cost, and what replacement cost must coverStatute
Last reviewed
Workers' compensation
Minnesota sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- Minn. Stat. 70A.02 - workers' compensation is outside the general rate chapterStatute
- Minn. Stat. 79.081, 79.085, 79.101, 79.102 and 79.211 - deductibles, safety services, attestation, controlled programmes and premium determinationStatute
- Minn. Stat. 79.251 and 79.253 - administration of the assigned risk plan and the safety accountStatute
- Minn. Stat. 79.55 - standards for rates, the expense and profit presumptions and the annual filingsStatute
- Minn. Stat. 79.56 and 79.561 - sixty-day prefiling, disapproval and the contested caseStatute
- Minn. Stat. 79.59 to 79.61 - data service organizations, required activity and prohibited activityStatute
Last reviewed
General and other liability
Minnesota sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- Minn. Stat. 70A.06 - Filing of rates and formsRegulation
- Minn. Stat. 60A.14 - FeesDepartment guidance
- Minn. Stat. 60A.315 - Expedited form and rate filingDepartment guidance
- Minn. Stat. 70A.02 - Scope of the rate regulation chapterDepartment guidance
- Minn. Stat. 70A.08 - Rate making and filing through a rate service organizationDepartment guidance
Last reviewed
Commercial multi-peril
Minnesota sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- Minn. Stat. 65A.01 and 60A.36 — The standard fire policy route for a single-premium package and the commercial cancellation groundsStatute
- Minn. Stat. 70A.02 — One chapter for the whole package, and the eight things outside itStatute
- Minn. Stat. 70A.04 and 70A.05 — The rate standards and the rating methodsStatute
- Minn. Stat. 70A.06, 70A.10, 70A.11 and 70A.12 — The filing duty, the three switches and the refund on disapprovalStatute
- Minn. Stat. 70A.08, 70A.13, 70A.17 and 70A.19 — Designation rather than adherence, and what the organization owesStatute
- Minn. Stat. 72C.11 — Which policies the readability filing requirements reachStatute
Last reviewed
Medical professional liability
Minnesota sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- Minn. Stat. 60A.14 - FeesDepartment guidance
- Minn. Stat. 60A.315 - Expedited form and rate filingDepartment guidance
- Minn. Stat. 70A.06 - Filing of rates and formsDepartment guidance
- Minn. Stat. 72A.20 - Unfair methods of competition; credit informationDepartment guidance
Last reviewed
Inland marine
Minnesota sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- Minn. Stat. 70A.02Statute
- Minn. Stat. 70A.04Statute
- Minn. Stat. 70A.06Statute
- Minn. R. 2700.2460Regulation
- Minn. R. 2700.2470Regulation
Last reviewed
Farmowners
Minnesota sources for farmowners filings (SERFF type of insurance 03.0 Personal Farmowners).
- Minn. Stat. 65A.29 - Homeowner's insurance practicesDepartment guidance
- Minn. Stat. 65A.298 - Fortified home discountDepartment guidance
- Minn. Stat. 70A.06, Filing of rates; excessive rate hearings; policy form filingsDepartment guidance
- Minnesota Department of Commerce, Personal Auto Rate/Rule Requirements checklist (edition date 14 December 2023)Department guidance
Last reviewed
Earthquake
Minnesota sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- Minn. Stat. 60A.14 - FeesDepartment guidance
- Minn. Stat. 60A.315 - Expedited form and rate filingDepartment guidance
- Minn. Stat. 70A.02 - Scope of the rate regulation chapterDepartment guidance
- Minn. Stat. 70A.06 - Filing of rates and formsDepartment guidance
Last reviewed
Homeowners and auto combination
Minnesota sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- Minn. Stat. 65A.29 - Homeowner's insurance practicesDepartment guidance
- Minn. Stat. 65A.298 - Fortified home discountDepartment guidance
- Minn. Stat. 70A.06, Filing of rates; excessive rate hearings; policy form filingsDepartment guidance
- Minnesota Department of Commerce, Personal Auto Rate/Rule Requirements checklist (edition date 14 December 2023)Department guidance
Last reviewed
Product liability
Minnesota sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- Minn. Stat. 70A.06 - Filing of rates and formsRegulation
- Minn. Stat. 60A.14 - FeesDepartment guidance
- Minn. Stat. 60A.315 - Expedited form and rate filingDepartment guidance
- Minn. Stat. 70A.02 - Scope of the rate regulation chapterDepartment guidance
- Minn. Stat. 70A.08 - Rate making and filing through a rate service organizationDepartment guidance
Last reviewed
Fidelity
Minnesota sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- Fidelity is within chapter 70AStatute
- Minn. Stat. 70A.04 - rate standardsStatute
- Minn. Stat. 70A.06 - filing rates and formsStatute
- Minn. Stat. 70A.08 - rate service organizationsStatute
Last reviewed
Title
Minnesota sources for title filings (SERFF type of insurance 34.0 Title).
- Minn. Stat. 60A.315 - Expedited form and rate filingDepartment guidance
- Minn. Stat. 70A.02 - Scope of the rate regulation chapterDepartment guidance
- Minn. Stat. 70A.06 - Filing of rates and formsDepartment 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 Minnesota Department of Commerce before you file. All states