On this page
Property and casualty rate, rule and form filings in Vermont are reviewed by the Vermont Department 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 | Vermont Department of Financial Regulation |
|---|---|
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Personal auto, Property and dwelling fire, Workers' compensation, Commercial multi-peril, Earthquake |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Vermont, each linked to the official text.
How to search Vermont's public rate and form filings
- Vermont's Department of Financial Regulation says it reviews insurance filings in the NAIC's SERFF system, which gives the public access to view non-confidential filings. Source
- Non-confidential filings can also be reviewed at the department's office by appointment. Source
Start from the department's page: Vermont Department of Financial Regulation.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- 8 V.S.A. § 3541 - Filing and approval of formsStatute
- 8 V.S.A. § 4684 - Competitive marketStatute
- 8 V.S.A. § 4685 - Rate standardsStatute
- 8 V.S.A. § 4688 - Filing of rates and other rating informationStatute
- 8 V.S.A. § 4688a - Filing feesStatute
- 8 V.S.A. § 4704a - Rerating after use of erroneous credit informationStatute
- 8 V.S.A. §§ 3879 to 3883 - Cancellation, nonrenewal, renewal and noticeStatute
- Vermont Insurance Regulation I-2010-03 - P&C filing proceduresRegulation
Last reviewed
Personal auto
Vermont sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- 8 V.S.A. ss. 4223-4226 - cancellation, nonrenewal and renewal of automobile insuranceStatute
- 8 V.S.A. ss. 4671-4674 - automobile insurance surchargesStatute
- Vermont Regulation I-1978-01 (Revised), DisclosureRegulation
Last reviewed
Property and dwelling fire
Vermont sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- 8 V.S.A. ss. 3867, 3868 and 3869 with Bulletin 184 - The claims rules that run with a fire policyStatute
- 8 V.S.A. ss. 4682 and 4683 - Chapter 128 reaches commercial property, and the timing rule does not splitStatute
- Regulation I-2010-03 - The filing exemptions, the consent to rate section and the amendatory endorsement mechanismRegulation
Last reviewed
Workers' compensation
Vermont sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- 21 V.S.A. § 711 - Workers' Compensation Administration Fund contributionStatute
- 21 V.S.A. §§ 687 and 687a - securing compensation, the statutory deductible offer, and association self-insuranceStatute
- 21 V.S.A. §§ 690, 693, 696 and 697 - policy content, certificate, cancellation and nonrenewalStatute
- 8 V.S.A. § 4687 - Workers' compensation and employers' liability insurance; uniform administration of classifications; reporting of rates and other informationStatute
- 8 V.S.A. § 4690 - licensing and authorised activities of advisory or service organizationsStatute
- 8 V.S.A. §§ 4682 and 4683 - the chapter reaches this line, and what a loss cost containsStatute
Last reviewed
Commercial multi-peril
Vermont sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- 8 V.S.A. § 4688 - Filing of rates and other rating informationStatute
- Vermont DFR Commercial Lines Property and Casualty Certification Checklist (Rev. 12/01/2011)Department guidance
- Vermont Insurance Regulation I-2010-03, property and casualty insurance filing procedures and reporting requirementsDepartment guidance
Last reviewed
Earthquake
Vermont sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- 8 V.S.A. § 3541 - Filing and approval of formsDepartment guidance
- 8 V.S.A. § 3882 - Renewal policiesDepartment guidance
- 8 V.S.A. § 4688 - Filing of rates and other rating informationDepartment guidance
- Vermont Insurance Bulletin No. 186, price optimization in personal lines ratemaking (24 June 2015)Department guidance
- Vermont Insurance Regulation I-2010-03, property and casualty insurance filing procedures and reporting requirementsDepartment 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 Vermont Department of Financial Regulation before you file. All states