On this page
Property and casualty rate, rule and form filings in South Carolina are reviewed by the South 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 | South Carolina Department 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 South Carolina, each linked to the official text.
- S.C. Code Ann. 38-73-910 and 38-73-920 - Prior approval scope and the twelve-month limitStatute
- S.C. Code Ann. §38-73-905 - Prior approval not required for certain automobile rate changesPersonal auto · Statute
- S.C. Code Ann. §38-73-910(A) - Prior approval scope and the automobile exceptionPersonal auto · Statute
- S.C. Code Ann. 38-73-910 - Prior approval and the workers' compensation public notice requirementWorkers' compensation · Statute
- S.C. Code Ann. §38-73-935 - Data that may not support a private passenger automobile rate filingPersonal auto · Statute
- S.C. Code Ann. §38-77-120 - Requirements for notice of cancellation or refusal to renewPersonal auto · Statute
How to search South Carolina's public rate and form filings
- The South Carolina Department of Insurance's Insurance Rates page links to SERFF Filing Access for viewing public insurance company rate, rule and form filings at no cost. Source
- Closed filings that are not withdrawn and that contain public-record information can be viewed by the public. Source
- To search, select Begin Search, accept the User Agreement, then enter search criteria. Source
- Filings that must be retrieved from archives may carry a cost, which the department says it will give in advance. Source
Start from the department's page: South Carolina Department of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- S.C. Code Ann. 38-61-20 - Approval of policy formsStatute
- S.C. Code Ann. 38-61-30 and 38-61-40 - Readability of policiesStatute
- S.C. Code Ann. 38-73-220 - Approval process for rate level changesStatute
- S.C. Code Ann. 38-73-325 and 38-73-425 - Absence of credit informationStatute
- S.C. Code Ann. 38-73-330 and 38-73-430 - Making of ratesStatute
- S.C. Code Ann. 38-73-910 and 38-73-920 - Prior approval scope and the twelve-month limitStatute
- S.C. Code Ann. 38-73-960 and 38-73-990 - Effective date and disapproval of filingsStatute
- S.C. Code Ann. 38-75-730 and 38-75-740 - Cancellation and nonrenewal of property insuranceStatute
Last reviewed
Homeowners
South Carolina sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- S.C. Code Ann. 38-73-1095 - Essential property insurance rating plan factors and the ninety percent provisionStatute
- S.C. Code Ann. 38-75-1140 - Evaluation of natural hazard catastrophe modelsStatute
- S.C. Code Ann. 38-75-310 - Coastal area, seacoast area and insurable propertyStatute
- S.C. Code Ann. 38-75-330 - South Carolina Wind and Hail Underwriting AssociationStatute
- S.C. Code Ann. 38-75-485 - South Carolina Hurricane Damage Mitigation ProgramStatute
- S.C. Code Ann. 38-75-755 - Notification to applicants or renewing policyholdersStatute
Last reviewed
Personal auto
South Carolina sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- S.C. Code Ann. §38-73-440 - Factors that may not be considered in determining automobile ratesStatute
- S.C. Code Ann. §38-73-905 - Prior approval not required for certain automobile rate changesStatute
- S.C. Code Ann. §38-73-910(A) - Prior approval scope and the automobile exceptionStatute
- S.C. Code Ann. §38-73-935 - Data that may not support a private passenger automobile rate filingStatute
- S.C. Code Ann. §38-77-112 - Automobile insurers not required to write coverageStatute
- S.C. Code Ann. §38-77-120 - Requirements for notice of cancellation or refusal to renewStatute
Last reviewed
Property and dwelling fire
South Carolina sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- S.C. Code Ann. 38-73-210 - Property and Casualty Insurance Personal Lines Modernization ActStatute
- S.C. Code Ann. 38-73-220 - Approval process for rate level changesStatute
- S.C. Code Ann. 38-75-1130, 38-75-1140 and 38-75-1150 - Property insurance article scope, catastrophe model evaluation and separate fire and allied lines premiumStatute
- S.C. Code Ann. 38-75-20 and 38-75-30 - Maximum amounts of fire insurance policies, stated values and contributions by coinsurersStatute
- S.C. Code Ann. 38-75-310 to 38-75-400 - South Carolina Wind and Hail Underwriting AssociationStatute
- S.C. Code Ann. 38-75-40 - Validity of additional or coinsurance clauseStatute
Last reviewed
Workers' compensation
South Carolina sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- S.C. Code Ann. 38-73-500 and 38-73-505 - Merit rating and the drug and alcohol prevention creditStatute
- S.C. Code Ann. 38-73-515 - Mandatory offer of workers' compensation deductiblesStatute
- S.C. Code Ann. 38-73-520 - Casualty rate filings required and the workers' compensation carve-backStatute
- S.C. Code Ann. 38-73-525 - Loss cost adoption and the filing of the multiplier for expensesStatute
- S.C. Code Ann. 38-73-540 - Assigned risk and the residual market mechanismStatute
- S.C. Code Ann. 38-73-910 - Prior approval and the workers' compensation public notice requirementStatute
Last reviewed
Commercial multi-peril
South Carolina sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- S.C. Code Ann. 38-73-1040 and 38-73-1060, fire and allied lines filings and use of rates and forms different from those filedStatute
- S.C. Code Ann. 38-73-340 - Rate filings requiredStatute
- S.C. Code Ann. 38-73-910 - Application of section and exceptionsStatute
- S.C. Code Ann. 38-73-920 - No insurance may be issued except on rates filedStatute
- S.C. Code Ann. Regs. 69-64 - Exempt Commercial PoliciesStatute
- South Carolina Bulletin 2011-09, mandatory use of SERFF for all insurance rate, rule and form filingsDepartment guidance
Last reviewed
Inland marine
South Carolina sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- S.C. Code 38-73-330Statute
- S.C. Code 38-73-340Statute
- S.C. Code 38-73-430Statute
- S.C. Code 38-73-910Statute
- Regulation 69-64Regulation
Last reviewed
Earthquake
South Carolina sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- S.C. Code Ann. 38-61-30 and 38-61-40 - Readability of policiesDepartment guidance
- S.C. Code Ann. Regs. 69-64 - Exempt Commercial PoliciesDepartment guidance
- S.C. Code Ann. Title 38, Chapter 61 - Insurance Contracts GenerallyDepartment guidance
- South Carolina Department of Insurance property and casualty filing requirementsDepartment guidance
- South Carolina Department of Insurance property and casualty procedural guidelinesDepartment 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 South Carolina Department of Insurance before you file. All states