On this page
Property and casualty rate, rule and form filings in Ohio are reviewed by the Ohio 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 | Ohio Department of Insurance |
|---|---|
| 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 Ohio, each linked to the official text.
- Ohio Insurance Bulletin 2000-2 - Homeowners packages under file and useHomeowners · Bulletin
- R.C. 3935.04 - the thirty-day waiting period that governs Ohio property filingsProperty and dwelling fire · Statute
- R.C. 3937.03 - Filing of rates and formsStatute
- O.A.C. 3901-1-18 - Cancellation and nonrenewal notices and the Ohio FAIR PlanRegulation
- ORC 3935.04 - Filing of rates and schedules with superintendent, procedureCommercial multi-peril · Department guidance
- ORC 3937.03 - Filing of rates and formsEarthquake · Department guidance
How to search Ohio's public rate and form filings
- The Ohio Department of Insurance's public records page says form, rate and rule filings submitted to it electronically are available online through SERFF Filing Access (SFA). Source
- Access is free, and the site lets users search for, download and comment on approved filings. Source
- Filings, and comments submitted on them, are generally subject to Ohio's public records statute. Source
- For help finding a filing, the department takes calls at 614-728-1384 or a Public Records Request form. Source
Start from the department's page: Ohio Department of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- R.C. 3935.02 and R.C. 3937.01 - Which chapter governs which lineStatute
- R.C. 3935.03 - Rating regulationsStatute
- R.C. 3935.04 - Filing of rates and schedules with superintendent, procedureStatute
- R.C. 3937.02 - Basic provisions for rate makingStatute
- R.C. 3937.03 - Filing of rates and formsStatute
- O.A.C. 3901-1-18 - Cancellation and nonrenewal notices and the Ohio FAIR PlanRegulation
- O.A.C. 3901-1-55 - Use of credit history and credit scores in personal insuranceRegulation
- O.A.C. 3901-1-57 and Ohio Insurance Bulletin 2009-11 - Electronic submission and feesRegulation
Last reviewed
Homeowners
Ohio sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- R.C. 3929.25 - Valued policyStatute
- R.C. 3929.56 - Mine subsidence insuranceStatute
- R.C. 3937.02(A)(5) - Catastrophe hazards in Ohio homeowners ratemakingStatute
- O.A.C. 3901-1-18 - Ohio FAIR Plan cancellation and nonrenewal notices applied to homeownersRegulation
- Ohio Insurance Bulletin 2000-2 - Homeowners packages under file and useBulletin
- Ohio Department of Insurance - Review Requirements Checklist, HomeownersDepartment guidance
Last reviewed
Personal auto
Ohio sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- R.C. 3937.18 - uninsured and underinsured motorist coverageStatute
- R.C. 3937.181 - uninsured motorist property damage coverageStatute
- R.C. 3937.22, R.C. 3937.23 and R.C. 3937.41 - restrictions on premium increases and surchargesStatute
- R.C. 3937.30 to 3937.34 - automobile policy period, cancellation and nonrenewalStatute
- R.C. 3937.43 - reduction in premium charges for insureds over sixty completing an accident prevention courseStatute
- R.C. 4509.51 - owner's policy of liability insuranceStatute
Last reviewed
Property and dwelling fire
Ohio sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- R.C. 3929.25 and R.C. 3929.26 - valued policy on total loss and contribution on multiple policiesStatute
- R.C. 3929.56 - mine subsidence coverage in designated Ohio countiesStatute
- R.C. 3929.86 - fire loss claims and the removal cost escrowStatute
- R.C. 3935.03 - the rating regulations Ohio property rates are tested againstStatute
- R.C. 3935.04 - the thirty-day waiting period that governs Ohio property filingsStatute
- R.C. 3937.03(C) - the insufficient-competition mechanism and the definition that bounds itStatute
Last reviewed
Workers' compensation
Ohio sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- Ohio Constitution, Article II, Section 35 - the state fund and exclusive remedyStatute
- R.C. 3937.01 and R.C. 3929.01 - what the casualty rate chapter reaches on this subjectStatute
- R.C. 4123.34 and R.C. 4123.29 - how the Ohio state fund rate is madeStatute
- R.C. 4123.82 - void indemnity contracts, the excess exception and the superintendent's authorityStatute
- Ohio Adm. Code chapter 4123-17 - rate revision, catastrophe limit, administrative charge and employer programmesRegulation
- R.C. 4123.292, R.C. 4123.01 and Ohio Adm. Code 4123-17-24 - other-states' coverageRegulation
Last reviewed
Commercial multi-peril
Ohio sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- Ohio Department of Insurance - Review Requirements Checklist, Homeowners (6th edition)Department guidance
- Ohio Department of Insurance - Review Requirements Checklist, Property commercial (7th edition, updated 08/01/14)Department guidance
- Ohio Department of Insurance - Review Requirements Checklist, Property commercial 1.0001 (7th edition)Department guidance
- Ohio Department of Insurance - Review Requirements Checklist, Property personal 1.0002, dwelling fire (6th edition)Department guidance
- Ohio Insurance Bulletin 91-1 - Loss Cost Filing ProceduresDepartment guidance
- ORC 3935.04 - Filing of rates and schedules with superintendent, procedureDepartment guidance
Last reviewed
Inland marine
Ohio sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- Ohio Revised Code 3935.02Statute
- Ohio Revised Code 3935.04Statute
- Ohio Administrative Code 3901-1-23Regulation
- Ohio Bulletin 91-1Bulletin
Last reviewed
Earthquake
Ohio sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- OAC 3901-1-57 - Electronic submission of filings and payment of feesDepartment guidance
- Ohio Department of Insurance - Review Requirements Checklist, Homeowners (6th edition)Department guidance
- Ohio Department of Insurance - Review Requirements Checklist, Property commercial 1.0001 (7th edition)Department guidance
- ORC 3937.01 - Regulation of rates for casualty insurance, exceptionsDepartment guidance
- ORC 3937.03 - Filing of rates and formsDepartment guidance
Last reviewed
Fidelity
Ohio sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- ORC 3937.02Statute
- ORC 3937.03Statute
- OAC 3901-1-57Regulation
- Ohio Bulletin 91-1Bulletin
Last reviewed
Burglary and theft
Ohio sources for burglary and theft filings (SERFF type of insurance 26.0 Burglary and Theft).
- ORC 3937.02Statute
- ORC 3937.03Statute
- OAC 3901-1-57Regulation
- Ohio Bulletin 91-1Bulletin
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 Ohio Department of Insurance before you file. All states