On this page
Property and casualty rate, rule and form filings in North Carolina are reviewed by the North Carolina Department 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 | North Carolina Department of Insurance |
|---|---|
| Public filings | Property and Casualty Filing Search (SERFF) (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, Fidelity, Title |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in North Carolina, each linked to the official text.
- G.S. 58-36-20 and G.S. 58-36-70 - review of Bureau filings, hearings and deemersPersonal auto · Statute
- G.S. 58-3-150 - prior approval of policy formsInland marine · Statute
- N.C. Gen. Stat. 58-40-15 and 58-40-30 - Article 40 scope and rate filingStatute
- N.C. Gen. Stat. 58-41-20 - Notice of nonrenewal, premium rate increase or change in coverageStatute
- N.C. Gen. Stat. 58-41-50 - Policy form and rate filings; data requiredStatute
- NC DOI Bulletin 88-L-9 Combination Form/Rate Filing ProhibitedHomeowners · Bulletin
How to search North Carolina's public rate and form filings
- The North Carolina Department of Insurance's Property and Casualty Filing Search page has a button for looking up a form or rate filing by SERFF tracking number or company name. Source
- For emailed filings with trade secret material, the department describes a split into a Trade Secret part and a separate Public Record part. Source
Start from the department's page: North Carolina Department of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- N.C. Gen. Stat. 58-36-1 - North Carolina Rate Bureau createdStatute
- N.C. Gen. Stat. 58-36-30 - Deviations and consent to rateStatute
- N.C. Gen. Stat. 58-36-55 and 58-3-150 - Policy formsStatute
- N.C. Gen. Stat. 58-36-90 - Credit scoring in noncommercial private passenger motor vehicle and residential property insuranceStatute
- N.C. Gen. Stat. 58-40-15 and 58-40-30 - Article 40 scope and rate filingStatute
- N.C. Gen. Stat. 58-41-10 - Scope of Article 41Statute
- N.C. Gen. Stat. 58-41-20 - Notice of nonrenewal, premium rate increase or change in coverageStatute
- N.C. Gen. Stat. 58-41-50 - Policy form and rate filings; data requiredStatute
Last reviewed
Homeowners
North Carolina sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- N.C.G.S. 58-36-30 Deviations; consent to rateStatute
- N.C.G.S. 58-36-90 Credit scoring in residential property insuranceStatute
- NC DOI Bulletin 88-L-9 Combination Form/Rate Filing ProhibitedBulletin
- NC DOI Deviation Questionnaire FC-038 and Instructions FC-094Department guidance
- NC DOI Property & Casualty Rate Filing instructionsDepartment guidance
- NC DOI Review Requirements Checklist — HomeownersDepartment guidance
Last reviewed
Personal auto
North Carolina sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- G.S. 20-279.21 - motor vehicle liability policyStatute
- G.S. 58-36-1 - North Carolina Rate Bureau; nonfleet private passenger motor vehicle insuranceStatute
- G.S. 58-36-15 - Bureau filings of rates, loss costs and supporting informationStatute
- G.S. 58-36-20 and G.S. 58-36-70 - review of Bureau filings, hearings and deemersStatute
- G.S. 58-36-30 - deviations, consent to rate and the age 55 deviationStatute
- G.S. 58-36-65 - classifications and Safe Driver Incentive Plan for nonfleet private passenger motor vehicle insuranceStatute
Last reviewed
Property and dwelling fire
North Carolina sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- G.S. 58-3-15 - additional or coinsurance clauseStatute
- G.S. 58-36-1 - Rate Bureau jurisdiction over residential propertyStatute
- G.S. 58-36-10 - property ratemaking factors, the five-year window and the reinsurance provisionStatute
- G.S. 58-36-15 - Bureau property filings, catastrophe model data, mitigation credits and the wind splitStatute
- G.S. 58-40-15(11) - the residential carve-out and the property that comes back into Article 40Statute
- G.S. 58-40-30 - filing of rates, consent to rate, and construction with G.S. 58-41-50Statute
Last reviewed
Workers' compensation
North Carolina sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- N.C. Gen. Stat. 58-36-1, 58-36-5 and 58-36-55 - Bureau jurisdiction, membership and policy formsStatute
- N.C. Gen. Stat. 58-36-10 - method of rate making; factors consideredStatute
- N.C. Gen. Stat. 58-36-100 - prospective loss costs and final rate filings for workers' compensationStatute
- N.C. Gen. Stat. 58-36-105 and 58-36-110 - cancellation and nonrenewal on workers' compensation policiesStatute
- N.C. Gen. Stat. 58-36-15 - Bureau filings, effective dates and supporting dataStatute
- N.C. Gen. Stat. 58-36-30(c) and 11 NCAC 10 .0602(c) - consent to rate on workers' compensationRegulation
Last reviewed
General and other liability
North Carolina sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- N.C. Gen. Stat. 58-36-55, policy forms for Rate Bureau linesDepartment guidance
- N.C. Gen. Stat. 58-40-30, filing of rates and supporting dataDepartment guidance
- N.C. Gen. Stat. 58-41-50, policy form and rate filings; data requiredDepartment guidance
Last reviewed
Commercial multi-peril
North Carolina sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- N.C. Gen. Stat. 58-36-10, method of rate making; factors consideredDepartment guidance
- N.C. Gen. Stat. 58-36-15, filing loss costs, rates and plans with the CommissionerDepartment guidance
- N.C. Gen. Stat. 58-40-30, filing of rates and supporting dataDepartment guidance
- N.C. Gen. Stat. 58-41-50, policy form and rate filings; data requiredDepartment guidance
- North Carolina Department of Insurance Bulletin 88-L-9, combination form/rate filing prohibitedDepartment guidance
- North Carolina Department of Insurance, property and casualty rate filing instructions and formsDepartment guidance
Last reviewed
Medical professional liability
North Carolina sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- N.C. Gen. Stat. 58-36-1, North Carolina Rate Bureau createdDepartment guidance
- N.C. Gen. Stat. 58-36-30, deviations and consent to rateDepartment guidance
- N.C. Gen. Stat. 58-40-15, scope of application of Article 40Department guidance
- N.C. Gen. Stat. 58-41-10, scope of Article 41Department guidance
Last reviewed
Inland marine
North Carolina sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- Article 40 rate standardsStatute
- Article 40 scopeStatute
- G.S. 58-3-150 - prior approval of policy formsStatute
- G.S. 58-40-30 - filing rates and supporting dataStatute
- G.S. 58-40-40 - delegation to licensed statistical organizationStatute
Last reviewed
Farmowners
North Carolina sources for farmowners filings (SERFF type of insurance 03.0 Personal Farmowners).
- N.C. Gen. Stat. 58-36-1, North Carolina Rate Bureau createdDepartment guidance
- N.C. Gen. Stat. 58-36-65, classifications and Safe Driver Incentive Plan for nonfleet private passenger motor vehicle insuranceDepartment guidance
- N.C.G.S. 58-36-30Department guidance
- N.C.G.S. 58-36-90Department guidance
- NC DOI Homeowners Review Requirements ChecklistDepartment guidance
Last reviewed
Earthquake
North Carolina sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- N.C. Gen. Stat. 58-36-90, credit scoring in noncommercial private passenger motor vehicle and residential property insuranceDepartment guidance
- N.C. Gen. Stat. 58-40-30, filing of rates and supporting dataDepartment guidance
- N.C. Gen. Stat. 58-41-50, policy form and rate filings; data requiredDepartment guidance
- North Carolina Department of Insurance Commercial Fire review requirements checklistDepartment guidance
Last reviewed
Homeowners and auto combination
North Carolina sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- N.C. Gen. Stat. 58-36-1, North Carolina Rate Bureau createdDepartment guidance
- N.C. Gen. Stat. 58-36-65, classifications and Safe Driver Incentive Plan for nonfleet private passenger motor vehicle insuranceDepartment guidance
- N.C.G.S. 58-36-30Department guidance
- N.C.G.S. 58-36-90Department guidance
- NC DOI Homeowners Review Requirements ChecklistDepartment guidance
Last reviewed
Product liability
North Carolina sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- N.C. Gen. Stat. 58-36-55, policy forms for Rate Bureau linesDepartment guidance
- N.C. Gen. Stat. 58-40-30, filing of rates and supporting dataDepartment guidance
- N.C. Gen. Stat. 58-41-50, policy form and rate filings; data requiredDepartment guidance
Last reviewed
Surety
North Carolina sources for surety filings (SERFF type of insurance 24.0 Surety).
- Article 40 rate filingStatute
- Article 40 scopeStatute
- Fidelity/Surety checklistDepartment guidance
Last reviewed
Fidelity
North Carolina sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- Article 41 rate, rule, and form filingsStatute
- Article 41 scopeStatute
- NCDOI Bulletin 88-L-9Bulletin
Last reviewed
Title
North Carolina sources for title filings (SERFF type of insurance 34.0 Title).
- N.C. Gen. Stat. 58-36-30, deviations and consent to rateDepartment guidance
- N.C. Gen. Stat. 58-41-50, policy form and rate filings; data requiredDepartment guidance
- North Carolina Department of Insurance Commercial Fire review requirements checklistDepartment guidance
- North Carolina Department of Insurance Farm review requirements checklistDepartment 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 North Carolina Department of Insurance before you file. All states