On this page
Property and casualty rate, rule and form filings in Oregon are reviewed by the Oregon Division of Financial Regulation. 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 | Oregon Division of Financial Regulation |
|---|---|
| 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 Oregon, each linked to the official text.
- ORS 737.207 - Commercial liability rate filings; prior approvalStatute
- ORS 737.320 - workers compensation is prior approval, not file-and-useWorkers' compensation · Statute
- ORS 742.003 - Filing and approval of policy formsStatute
- ORS 746.662 - Filing of insurance scoring modelsStatute
- ORS 742.277 - Notice of cancellation, nonrenewal or rate change related to wildfire riskHomeowners · Statute
- ORS 742.562 to 742.570 - Cancellation, nonrenewal and insurance pool eligibility noticePersonal auto · Statute
How to search Oregon's public rate and form filings
- Oregon's Division of Financial Regulation makes insurance company rate and form filings available for public review through the NAIC's SERFF Filing Access interface, linked from this page. Source
- Copyrighted forms in the filings can be viewed but not copied without the owner's permission. The division says AAIS and ISO forms are copyrighted. Source
Start from the department's page: Oregon Division of Financial Regulation.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- ORS 735.005 to 735.145 - Oregon FAIR Plan AssociationStatute
- ORS 737.205 - Filing rates and plans with the directorStatute
- ORS 737.207 - Commercial liability rate filings; prior approvalStatute
- ORS 737.310 - Method of rate making and factors consideredStatute
- ORS 742.003 - Filing and approval of policy formsStatute
- ORS 746.661 and 746.663 - Use of credit history or insurance scoreStatute
- ORS 746.662 - Filing of insurance scoring modelsStatute
- Oregon Bulletin DFR 2025-5 - General filing instructions for policy forms and ratesBulletin
Last reviewed
Homeowners
Oregon sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- ORS 737.310(17) - Homeowner insurer duties on wildfire risk mitigationStatute
- ORS 742.277 - Notice of cancellation, nonrenewal or rate change related to wildfire riskStatute
- ORS 742.278 - Prohibition on uses of a map of wildfire risk or exposureStatute
- ORS 746.686 - Use of prior claim or inquiry for homeowner insuranceStatute
- ORS 746.687 - Cancellation and nonrenewal of a homeowner insurance policyStatute
- ORS Chapter 742, Insurance Policies Generally; Property and Casualty PoliciesStatute
Last reviewed
Personal auto
Oregon sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- ORS 737.312 - Agreements among insurers for assignment of risks; rate modificationsStatute
- ORS 742.490 and 742.480 - Mandatory premium reductions for accident prevention and motorcycle rider education coursesStatute
- ORS 742.502 - Uninsured motorist coverage; underinsurance coverageStatute
- ORS 742.520 and 742.524 - Automobile personal injury protection benefitsStatute
- ORS 742.562 to 742.570 - Cancellation, nonrenewal and insurance pool eligibility noticeStatute
- ORS 746.260, 746.265 and 742.449 - Driving record, lapse and risk category limitsStatute
Last reviewed
Property and dwelling fire
Oregon sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- ORS 735.005 to 735.145 - Essential property insurance and the Oregon FAIR Plan AssociationStatute
- ORS 737.310(6) and (8) - The fire experience clause and the scope of individual risk modificationStatute
- ORS 742.200 - Fire insurance not to exceed the value of the property insuredStatute
- ORS 742.202 and 742.204 - Standard fire insurance policy and the multi-peril exceptionStatute
- ORS 742.206 to 742.242 - The Oregon fire policy provisionsStatute
- Oregon property product standards 440-3618 - Wildfire, hostile fire and terrorismDepartment guidance
Last reviewed
Workers' compensation
Oregon sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- ORS 317.122 - the workers compensation excise tax credit is repealedStatute
- ORS 656.612 and ORS 656.506 - the two workers compensation assessmentsStatute
- ORS 656.730 - the Oregon Workers' Compensation Insurance PlanStatute
- ORS 737.316 - combining employers for workers compensation ratingStatute
- ORS 737.318 and ORS 737.505 - the premium audit programme and its appeal routeStatute
- ORS 737.320 - workers compensation is prior approval, not file-and-useStatute
Last reviewed
Commercial multi-peril
Oregon sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- Oregon DFR Bulletin No. DFR 2025-5 (22 May 2025), general filing instructions for filing policy forms and ratesDepartment guidance
- Oregon DFR product standards 440-3618, Standards for Monoline and Package Property Forms, Rates and Rules FilingDepartment guidance
- Oregon DFR product standards 440-3618, terrorism position for commercial propertyDepartment guidance
- Oregon DFR product standards 440-3627, Standards for Personal and Commercial Inland Marine, Burglary and TheftDepartment guidance
- ORS 737.205, 737.310 and 737.325, rate filings, method of rate making and excess rates for specific risksDepartment guidance
- ORS Chapter 737, Insurance Rates and Rating OrganizationsDepartment guidance
Last reviewed
Inland marine
Oregon sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- ORS 737.205 - Rate and rating-plan filingStatute
- ORS 737.330 - Contracts must follow effective filingsStatute
- ORS 742.003 - Filing and approval of policy formsStatute
- DFR form 440-3627 - Inland Marine Product StandardsDepartment guidance
- DFR form 440-3894 - Certificate of ComplianceDepartment guidance
- Oregon revised Inland Marine filing guidelinesDepartment guidance
Last reviewed
Earthquake
Oregon sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- Oregon DFR Bulletin No. DFR 2025-5 (22 May 2025), general filing instructions for filing policy forms and ratesDepartment guidance
- Oregon DFR product standards 440-3618, Standards for Monoline and Package Property Forms, Rates and Rules FilingDepartment guidance
- Oregon DFR product standards 440-3627, Standards for Personal and Commercial Inland Marine, Burglary and TheftDepartment guidance
- ORS Chapter 737, Insurance Rates and Rating OrganizationsDepartment guidance
- ORS Chapter 742, Insurance Policies Generally; Property and Casualty PoliciesDepartment guidance
Last reviewed
Fidelity
Oregon sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- ORS Chapter 737Statute
- ORS Chapter 742Statute
- Oregon Bulletin DFR 2025-5Bulletin
- Oregon Product Standard 440-3621Department guidance
Last reviewed
Burglary and theft
Oregon sources for burglary and theft filings (SERFF type of insurance 26.0 Burglary and Theft).
- ORS Chapter 737Statute
- ORS Chapter 742Statute
- Oregon Bulletin DFR 2025-5Bulletin
- Oregon Product Standard 440-3627Department 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 Oregon Division of Financial Regulation before you file. All states