On this page
Property and casualty rate, rule and form filings in Missouri are reviewed by the Missouri Department of Commerce and 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 | Missouri Department of Commerce and Insurance |
|---|---|
| Public filings | SERFF Public 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, Fidelity, Title |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Missouri, each linked to the official text.
- 20 CSR 500-4.100(1) - Submission deadlines by kind of insurance, and the twenty-five percent prior approval triggerCommercial multi-peril · Regulation
- 20 CSR 500-4 - Property and casualty rate filing proceduresGeneral and other liability · Regulation
- RSMo 379.883 - Commercial casualty cancellation and nonrenewal noticeGeneral and other liability · Department guidance
- RSMo 379.318, RSMo 379.470 and RSMo 379.889 - Three rate standards, two of which reach a packageCommercial multi-peril · Statute
- RSMo 379.321.6 - Commercial property and commercial casualty filing requirements and exemptionsCommercial multi-peril · Statute
How to search Missouri's public rate and form filings
- In a January 2016 release, Missouri's Department of Insurance said it would require insurers to submit all insurance product filings required by state law through SERFF. Source
- The same release says SERFF lets the department give the public the ability to view insurance company filings through SERFF's public access feature. Source
Start from the department's page: Missouri Department of Commerce and Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- RSMo 375.001 to 375.005 - Cancellation and nonrenewal of habitational property policiesStatute
- RSMo 375.918 - Use of credit informationStatute
- RSMo 379.140, 379.150, 379.155 - Loss settlement and coinsuranceStatute
- RSMo 379.160 - Form of policy to be filedStatute
- RSMo 379.316 - Scope of the rating actStatute
- RSMo 379.318 - Rates, how madeStatute
- RSMo 379.321 - Rating plans to be filed with directorStatute
- RSMo 379.348 - Review of rate, rating plan or systemStatute
Last reviewed
Homeowners
Missouri sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- RSMo 375.001 to 375.005 - Cancellation and nonrenewal of habitational property policiesStatute
- RSMo 379.140 - Total loss of real propertyStatute
- RSMo 379.160, 379.150, 379.155 - Fire policy form, partial loss and coinsuranceStatute
- RSMo 379.318 - Rates, how madeStatute
- RSMo 379.402 - Free or discounted loss mitigation products and servicesStatute
- RSMo 379.810 to 379.880 - Missouri Basic Property Insurance Inspection and Placement ProgramStatute
Last reviewed
Personal auto
Missouri sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- RSMo 303.030 and 303.190 - Required limits and motor vehicle liability policy contentsStatute
- RSMo 303.200 - Missouri automobile insurance plan for persons unable to procure insurance by ordinary meansStatute
- RSMo 379.110 to 379.123 - Automobile insurance cancellation, refusal to issue or renewStatute
- RSMo 379.203 - Automobile liability policy; uninsured motorist coverage requiredStatute
- RSMo 379.204 - Underinsured motor vehicle coverage, construction of policyStatute
- RSMo 379.425 and 379.316 - Which rating law reaches motor vehicle insuranceStatute
Last reviewed
Property and dwelling fire
Missouri sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- RSMo 379.140 - Total loss of real propertyStatute
- RSMo 379.155 and RSMo 379.160.3 - Coinsurance in Missouri fire policiesStatute
- RSMo 379.160 and RSMo 379.150 - The standard fire insurance policy for MissouriStatute
- RSMo 379.316 and RSMo 379.420 - Which Missouri rate law governs fire and allied linesStatute
- RSMo 379.321.3 - Rate in excess of the filed rate on a specific riskStatute
- RSMo 379.321.6 - The commercial property filing architectureStatute
Last reviewed
Workers' compensation
Missouri sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- RSMo 287.896 and 20 CSR 500-6.960 - the Missouri workers' compensation residual marketStatute
- RSMo 287.902 - Missouri employers mutual insurance company, repealedStatute
- RSMo 287.930 to 287.975 - the Missouri workers' compensation rate lawStatute
- RSMo 287.955 and 287.957 - uniform plans, premium modification limits and experience ratingStatute
- RSMo 287.967, 287.970, 287.972 and 287.975 - the designated advisory organizationStatute
- 20 CSR 500-6.100 and RSMo 287.310 - workers' compensation policy and endorsement formsRegulation
Last reviewed
General and other liability
Missouri sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- 20 CSR 500-4 - Property and casualty rate filing proceduresRegulation
- RSMo 379.321 - Rating plans to be filed with director, informational filingsDepartment guidance
- RSMo 379.840 - Standard policy coverage and rating procedureDepartment guidance
- RSMo 379.883 - Commercial casualty cancellation and nonrenewal noticeDepartment guidance
Last reviewed
Commercial multi-peril
Missouri sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- RSMo 379.316 and RSMo 379.425 - The two Missouri rating acts a package sits inStatute
- RSMo 379.318, RSMo 379.470 and RSMo 379.889 - Three rate standards, two of which reach a packageStatute
- RSMo 379.321.6 - Commercial property and commercial casualty filing requirements and exemptionsStatute
- RSMo 379.326, RSMo 379.328 and RSMo 379.338 - Deviations without an expiry, advisory organization duties and the prohibition on agreeing to adhereStatute
- RSMo 379.890 and RSMo 379.893 - Supporting actuarial data and the director's authority over rating plans that modify the base rateStatute
- 20 CSR 500-4.100(1) - Submission deadlines by kind of insurance, and the twenty-five percent prior approval triggerRegulation
Last reviewed
Medical professional liability
Missouri sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- Missouri Medical Malpractice InstructionsStatute
- 20 CSR 500-4 - Property and casualty rate filing proceduresDepartment guidance
- RSMo 379.160 - Form of policy to be filedDepartment guidance
- RSMo 379.318 - Rates, how madeDepartment guidance
- RSMo 379.321 - Rating plans to be filed with director, informational filingsDepartment guidance
Last reviewed
Inland marine
Missouri sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- RSMo 379.316Statute
- RSMo 379.318Statute
- RSMo 379.321Statute
- 20 CSR 500-1Regulation
- 20 CSR 500-4Regulation
- Personal Inland Marine Filings ChecklistDepartment guidance
Last reviewed
Farmowners
Missouri sources for farmowners filings (SERFF type of insurance 03.0 Personal Farmowners).
- RSMo 379.160 - Form of policy to be filedDepartment guidance
- RSMo 379.316 - Scope of actDepartment guidance
- RSMo 379.318 - Rates, how madeDepartment guidance
- RSMo 379.321 - Rating plans to be filed with directorDepartment guidance
- RSMo 379.425 - Law applicable to certain classes of insurance; exceptionsDepartment guidance
Last reviewed
Earthquake
Missouri sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- 20 CSR 500-4 - Property and casualty rate filing proceduresDepartment guidance
- RSMo 379.160 - Form of policy to be filedDepartment guidance
- RSMo 379.318 - Rates, how madeDepartment guidance
- RSMo 379.321 - Rating plans to be filed with director, informational filingsDepartment guidance
Last reviewed
Homeowners and auto combination
Missouri sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- RSMo 379.160 - Form of policy to be filedDepartment guidance
- RSMo 379.316 - Scope of actDepartment guidance
- RSMo 379.318 - Rates, how madeDepartment guidance
- RSMo 379.321 - Rating plans to be filed with directorDepartment guidance
- RSMo 379.425 - Law applicable to certain classes of insurance; exceptionsDepartment guidance
Last reviewed
Product liability
Missouri sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- 20 CSR 500-4 - Property and casualty rate filing proceduresRegulation
- RSMo 379.321 - Rating plans to be filed with director, informational filingsDepartment guidance
- RSMo 379.840 - Standard policy coverage and rating procedureDepartment guidance
- RSMo 379.883 - Commercial casualty cancellation and nonrenewal noticeDepartment guidance
Last reviewed
Fidelity
Missouri sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- RSMo 379.160 - policy formsStatute
- RSMo 379.316 - scopeStatute
- RSMo 379.318 - rate standardsStatute
- RSMo 379.321 - commercial filingsStatute
- 20 CSR 500-4 - P&C filing proceduresRegulation
Last reviewed
Title
Missouri sources for title filings (SERFF type of insurance 34.0 Title).
- 20 CSR 500-4 - Property and casualty rate filing proceduresDepartment guidance
- RSMo 379.160 - Form of policy to be filedDepartment guidance
- RSMo 379.321 - Rating plans to be filed with director, informational filingsDepartment 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 Missouri Department of Commerce and Insurance before you file. All states