On this page
Property and casualty rate, rule and form filings in North Dakota are reviewed by the North Dakota Insurance and Securities Department. 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 Dakota Insurance and Securities Department |
|---|---|
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Workers' compensation, Commercial multi-peril, Inland marine, Earthquake, Fidelity, Burglary and theft |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in North Dakota, each linked to the official text.
- N.D.C.C. 26.1-25-04 - rate filings, the sixty-day waiting period and the private passenger automobile exemptionPersonal auto · Statute
- N.D.C.C. §26.1-25-04 - Rate filingsStatute
- N.D.C.C. §26.1-25-04.4 - Notice of withdrawalStatute
- N.D.C.C. §26.1-25-04(5), (6) - Homeowner rate filings of less than five percentHomeowners · Statute
- North Dakota Insurance Bulletin 98-1 - Policy, form and rate filing requirementsCommercial multi-peril · Department guidance
- Policy form and rate filing instructionsInland marine · Department guidance
How to search North Dakota's public rate and form filings
- The North Dakota Insurance Department's policy, form and rate filing page links to SERFF Filing Access for certain property, casualty, life and health rate and form filings. Source
- A request to the department for a filing must describe what is wanted, such as the timeframe, company name or filing type. The department says it will assist with simple searches. Source
Start from the department's page: North Dakota Insurance and Securities Department.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- N.D.C.C. ch. 26.1-25.1 - Personal insurance credit informationStatute
- N.D.C.C. ch. 26.1-52 - Property insurance placement facilityStatute
- N.D.C.C. §26.1-01-07 - Fees chargeable by commissionerStatute
- N.D.C.C. §26.1-25-03 - Making of ratesStatute
- N.D.C.C. §26.1-25-04 - Rate filingsStatute
- N.D.C.C. §26.1-25-04.4 - Notice of withdrawalStatute
- N.D.C.C. §26.1-25-05 - Disapproval of filingsStatute
- N.D.C.C. §26.1-25-15 - Assigned risks (North Dakota automobile insurance plan)Statute
Last reviewed
Homeowners
North Dakota sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- N.D.C.C. ch. 26.1-52 - Property insurance placement facility and homeowners insuranceStatute
- N.D.C.C. §26.1-25-04(5), (6) - Homeowner rate filings of less than five percentStatute
- N.D.C.C. §26.1-30-22 - Mandatory arbitration endorsements for property insuranceStatute
- N.D.C.C. §26.1-39-06 - Standard fire insurance policyStatute
- N.D.C.C. §26.1-39-09.3 - Fire protection class disputeStatute
- N.D.C.C. §26.1-39-11(3), (4) - Renewal with altered terms is not a terminationStatute
Last reviewed
Personal auto
North Dakota sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- N.D.C.C. 26.1-25-04 - rate filings, the sixty-day waiting period and the private passenger automobile exemptionStatute
- N.D.C.C. 26.1-25-15 - the North Dakota automobile insurance planStatute
- N.D.C.C. 26.1-40-02 through 26.1-40-11 - automobile cancellation, nonrenewal and declinationStatute
- N.D.C.C. 26.1-40-15.2 and 26.1-40-15.3 - compulsory uninsured and underinsured motorist coverageStatute
- N.D.C.C. 26.1-40-16 - exclusion of named persons and restrictive endorsementsStatute
- N.D.C.C. 26.1-41-08 - secured person exemption and the serious injury thresholdStatute
Last reviewed
Property and dwelling fire
North Dakota sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- N.D.C.C. 26.1-25-02 and 26.1-25-03 - scope of the chapter and the making of property ratesStatute
- N.D.C.C. 26.1-25-02.1 - the personal risk and commercial risk definitions that set the property trackStatute
- N.D.C.C. 26.1-25-04 - the sixty-day waiting period and the exemptions that do and do not reach propertyStatute
- N.D.C.C. 26.1-39-04 and 26.1-39-05 - valuation, total loss and partial lossStatute
- N.D.C.C. 26.1-39-06 to 26.1-39-09 - the 1943 standard fire insurance policy in North DakotaStatute
- N.D.C.C. 26.1-39-09.3 - fire protection class disputeStatute
Last reviewed
Workers' compensation
North Dakota sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- N.D.C.C. 26.1-05-02 and 26.1-25-02 - the casualty authority and the rate chapter's reachStatute
- N.D.C.C. 65-01-01 and 65-04-28 - exclusive remedy and employer immunityStatute
- N.D.C.C. 65-04-01 - classification of employments and premium ratesStatute
- N.D.C.C. 65-04-04 and 65-04-33 - the obligation to insure with Workforce Safety & InsuranceStatute
- N.D. Admin. Code 92-01-02-18, 18.1, 20, 54, 55 and 56 - classification, experience rating and premium programmesRegulation
- N.D. Admin. Code 92-01-02-50 - other states' coverageRegulation
Last reviewed
Commercial multi-peril
North Dakota sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- NDCC Chapter 26.1-25 - Fire, property, and casualty insurance ratesStatute
- NDCC Chapter 26.1-25.1 - Personal insurance credit informationStatute
- NDCC Chapter 26.1-30 - Insurance policiesStatute
- North Dakota Insurance Bulletin 98-1 - Policy, form and rate filing requirementsDepartment guidance
Last reviewed
Inland marine
North Dakota sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- North Dakota Century Code chapter 26.1-25Statute
- North Dakota Century Code chapter 26.1-30Statute
- P&C company checklistDepartment guidance
- Policy form and rate filing instructionsDepartment guidance
Last reviewed
Earthquake
North Dakota sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- NDCC Chapter 26.1-25 - Fire, property, and casualty insurance ratesDepartment guidance
- NDCC Chapter 26.1-25.1 - Personal insurance credit informationDepartment guidance
- NDCC Chapter 26.1-30 - Insurance policiesDepartment guidance
- NDCC Chapter 26.1-39 - Property and casualty insuranceDepartment guidance
Last reviewed
Fidelity
North Dakota sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- NDCC Chapter 26.1-25Statute
- NDCC Chapter 26.1-30Statute
- North Dakota Bulletin 98-1Bulletin
Last reviewed
Burglary and theft
North Dakota sources for burglary and theft filings (SERFF type of insurance 26.0 Burglary and Theft).
- NDCC Chapter 26.1-25Statute
- NDCC Chapter 26.1-30Statute
- North Dakota Bulletin 98-1Bulletin
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 Dakota Insurance and Securities Department before you file. All states