On this page
Property and casualty rate, rule and form filings in Rhode Island are reviewed by the Rhode Island Division 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 | Rhode Island Division of Insurance |
|---|---|
| Filing system | SERFF (department source) |
| 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 |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Rhode Island, each linked to the official text.
- Rhode Island Insurance Bulletin 2005-9 - Flex ratingBulletin
- R.I. Gen. Laws 27-29-17.2 - Notice of nonrenewalStatute
- R.I. Gen. Laws 27-76-2 - Hurricane deductibles, triggers, and policyholder noticeHomeowners · Statute
- R.I. Gen. Laws 27-76-4 - Notice of property lossHomeowners · Statute
- R.I. Gen. Laws 27-7.1-5.1 - Rate filings for workers' compensation insuranceWorkers' compensation · Statute
- 230-RICR-20-60-2, Consent-to-Rate FilingCommercial multi-peril · Department guidance
How to search Rhode Island's public rate and form filings
- A Rhode Island Insurance Division bulletin says insurance company filings are available to the public remotely through the NAIC's SERFF Filing Access interface, at any time of day. Source
- The bulletin also describes a public SERFF access terminal at the division's office for people without a computer, where filings can be viewed or copied. Source
- Rhode Island's property and casualty filing requirements say filings are public when filed, and that a request for confidentiality must give a specific statutory basis. Source
Start from the department's page: Rhode Island Division of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- R.I. Gen. Laws 27-29-17.2 - Notice of nonrenewalStatute
- R.I. Gen. Laws 27-6-11 and 27-9-10 - Waiting period and effective date of filingsStatute
- R.I. Gen. Laws 27-6-4 and 27-9-4 - Considerations in ratemakingStatute
- R.I. Gen. Laws 27-6-53 and 27-9-56 - Use of credit ratingStatute
- R.I. Gen. Laws 27-6-6.1 - Approval of policiesStatute
- R.I. Gen. Laws 27-6-8.1 and 27-9-7.3 - Rating for nonbusiness policiesStatute
- Rhode Island Insurance Bulletin 2005-9 - Flex ratingBulletin
- Rhode Island Insurance Bulletin 2007-3 - Mandatory use of SERFF and EFTBulletin
Last reviewed
Homeowners
Rhode Island sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- R.I. Gen. Laws 27-6-53 - Use of credit rating in homeowners insuranceStatute
- R.I. Gen. Laws 27-76-2 - Hurricane deductibles, triggers, and policyholder noticeStatute
- R.I. Gen. Laws 27-76-3 - Residential property insurance hurricane deductible applicationStatute
- R.I. Gen. Laws 27-76-4 - Notice of property lossStatute
- R.I. Gen. Laws 27-76-6 - State of emergency and its effect upon insurance policiesStatute
- 230-RICR-20-05-11 - Basic Property Insurance Inspection and Placement ProgramRegulation
Last reviewed
Personal auto
Rhode Island sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- R.I. Gen. Laws §27-9-4 - Considerations in making of rates and automobile surcharge limitsStatute
- R.I. Gen. Laws §27-9-7.3 - Rating for nonbusiness policiesStatute
- R.I. Gen. Laws §31-47-2(13)(i)(A) - Minimum automobile liability limitsStatute
- R.I. Gen. Laws §§27-9-7.1 and 27-9-7.2 - Mandated automobile premium reductionsStatute
- 230-RICR-20-05-1 - Uninsured and Underinsured Motorist InsuranceRegulation
- 230-RICR-20-05-2 - Auto Insurance Policies: Cancellation and Renewal ProvisionsRegulation
Last reviewed
Property and dwelling fire
Rhode Island sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- R.I. Gen. Laws 27-5-1 to 27-5-3 - Standard fire insurance policy of the state of Rhode IslandStatute
- R.I. Gen. Laws 27-6-14 and 230-RICR-20-60-2 - Rates on specific risks exceeding filed ratesStatute
- R.I. Gen. Laws 27-6-2 - Applicability of the fire and marine insurance rating chapterStatute
- R.I. Gen. Laws 27-6-8.2 - Premium reduction for fire code safety preventionStatute
- R.I. Gen. Laws 27-65-1 - Commercial special risksStatute
- R.I. Gen. Laws Chapter 27-76 - Weather-Related LossesStatute
Last reviewed
Workers' compensation
Rhode Island sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- P.L. 2003, ch. 410 - Workers Compensation Insurance Fund (The Beacon Mutual Insurance Company)Statute
- R.I. Gen. Laws 27-7.1-19 - Midterm cancellation of a workers' compensation policyStatute
- R.I. Gen. Laws 27-7.1-2 - Approval of workers' compensation policy formsStatute
- R.I. Gen. Laws 27-7.1-4.1 - Standards for approval of workers' compensation ratesStatute
- R.I. Gen. Laws 27-7.1-5.1 - Rate filings for workers' compensation insuranceStatute
- R.I. Gen. Laws 27-7.1-6.2 - Consent to rate on a specific workers' compensation riskStatute
Last reviewed
Commercial multi-peril
Rhode Island sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- R.I. Gen. Laws 27-6-8.2, Premium reduction for fire code safety preventionStatute
- 230-RICR-20-60-2, Consent-to-Rate FilingDepartment guidance
- R.I. Gen. Laws 27-6-6.1, Approval of policiesDepartment guidance
- R.I. Gen. Laws 27-6-8.1, Rating for nonbusiness policiesDepartment guidance
- R.I. Gen. Laws 27-65-1, Commercial special risksDepartment guidance
- Rhode Island Insurance Bulletin 2007-3, mandatory use of SERFF and EFTDepartment guidance
Last reviewed
Inland marine
Rhode Island sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- R.I. Gen. Laws 27-6-11Statute
- R.I. Gen. Laws 27-6-2Statute
- R.I. Gen. Laws 27-6-4Statute
- R.I. Gen. Laws 27-6-8Statute
- R.I. Gen. Laws 27-6-8.1Statute
Last reviewed
Earthquake
Rhode Island sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- R.I. Gen. Laws 27-6-11, Waiting period - Effective date of filingsDepartment guidance
- R.I. Gen. Laws 27-6-8.1, Rating for nonbusiness policiesDepartment guidance
- Rhode Island Insurance Bulletin 2007-3, mandatory use of SERFF and EFTDepartment guidance
- Rhode Island property and casualty rate, rule and policy form filing requirements and regulatory complianceDepartment 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 Rhode Island Division of Insurance before you file. All states