Virginia insurance rate and form filings

At a glance

Key filing rules

Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Virginia, each linked to the official text.

• Chapter 20 of Title 38.2 - The prior approval rate trackStatute
• Va. Code ss. 38.2-2001, 38.2-2700, 38.2-2701 and 38.2-2703 - The prior approval track reaches this line through the residual marketProperty and dwelling fire · Statute
• Va. Code § 38.2-1904 - Rate standardsStatute
• Va. Code § 38.2-317 - Filing and approval of policy formsStatute
• Va. Code § 38.2-2703 - Residual market facility rules, rates and formsCommercial multi-peril · Statute

How to search Virginia's public rate and form filings

• The Virginia Bureau of Insurance's Property and Casualty Filing and Product Guidelines list SERFF Filing Access as the public search application for SERFF submissions. Source
• Under Virginia Code section 38.2-1907, an insurer or rating organization can ask that rates and supplementary rate information be kept confidential if they are a trade secret. Source

Start from the department's page: Virginia Bureau of Insurance.

Checked October 27, 2026

Rules for every line

Statutes, regulations and guidance that apply across property and casualty lines.

• Chapter 20 of Title 38.2 - The prior approval rate trackStatute
• Va. Code § 38.2-1903.1 - Large commercial risks file neither rates nor formsStatute
• Va. Code § 38.2-1904 - Rate standardsStatute
• Va. Code § 38.2-1906 - Filing and use of ratesStatute
• Va. Code § 38.2-1907 - Trade secret protectionStatute
• Va. Code § 38.2-2114 - Cancellation and refusal to renewStatute
• Va. Code § 38.2-2126 - Credit information in property insuranceStatute
• Va. Code § 38.2-317 - Filing and approval of policy formsStatute

Last reviewed October 24, 2026

Homeowners

Virginia sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).

• Va. Code § 38.2-2114(K) - Asphalt shingle roof age, effective 1 January 2027Statute
• Va. Code § 38.2-2119 - Approval of forms or provisions for certain risksStatute
• Va. Code § 38.2-2120 - Optional coverage to be offered with a homeowner's policyStatute
• Va. Code § 38.2-2703 - Virginia Property Insurance AssociationStatute
• 14VAC5-342-70 - The 10% property deductible capRegulation

Last reviewed October 24, 2026

Personal auto

Virginia sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).

• Va. Code s. 38.2-2206 - uninsured and underinsured motorist coverageStatute
• Va. Code s. 38.2-2212 - cancellation and refusal to renew motor vehicle insurance policiesStatute
• Va. Code s. 38.2-2214 - statement defining rate classificationsStatute
• Va. Code s. 46.2-472 - motor vehicle liability policy minimum limitsStatute
• Va. Code ss. 38.2-1904(D) and 38.2-1905 with AL 2025-01 - accidents, convictions and safe driver plansStatute
• Va. Code ss. 38.2-2001 and 46.2-464 - the Virginia Automobile Insurance PlanStatute

Last reviewed October 24, 2026

Property and dwelling fire

Virginia sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).

• Chapter 21 of Title 38.2 - Virginia's statutory standard fire policy reaches commercial propertyStatute
• Va. Code ss. 38.2-2001, 38.2-2700, 38.2-2701 and 38.2-2703 - The prior approval track reaches this line through the residual marketStatute
• Va. Code ss. 38.2-2108, 38.2-2108.1, 38.2-2114 and 38.2-2118 - Where Chapter 21 splits by occupancyStatute
• Va. Code ss. 38.2-2114 and 38.2-231 - No termination statute reaches first-party commercial propertyStatute
• Va. Code ss. 38.2-2117 and 38.2-2119 - Replacement cost, ordinance or law and business interruption are approved endorsementsStatute
• Va. Code ss. 38.2-2124, 38.2-2130 and 38.2-2115 - What every fire policy in Virginia has to carryStatute

Last reviewed October 24, 2026

Workers' compensation

Virginia sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).

• Va. Code § 38.2-1906 - the four workers compensation provisos inside the general filing sectionStatute
• Va. Code § 38.2-1912.1 - approval of prospective loss costs and supplementary rate information for workers compensationStatute
• Va. Code § 38.2-1921.1 - professional employer organization workers' compensation ratingStatute
• Va. Code § 65.2-801 - the five ways a Virginia employer secures its workers compensation liabilityStatute
• Va. Code §§ 38.2-1902(B)(1), 38.2-2001, 38.2-2005 and 38.2-2006 - the Virginia Workers' Compensation Insurance Plan trackStatute
• Va. Code §§ 38.2-1913, 38.2-1914 and 38.2-1919 - the rate service organization's licence, its uniform plans for this line, and compulsory adherenceStatute

Last reviewed September 17, 2026

Commercial multi-peril

Virginia sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).

• Code of Virginia, Title 38.2, Chapter 21, Fire Insurance PoliciesStatute
• Va. Code s. 38.2-1903.1, exemptions of large commercial risksStatute
• Va. Code § 38.2-1903.1 - Exemptions of large commercial risksStatute
• Va. Code § 38.2-1906 - Filing and use of ratesStatute
• Va. Code § 38.2-1908 - Delegation of filing authority to a rate service organizationStatute
• Va. Code § 38.2-2703 - Residual market facility rules, rates and formsStatute

Last reviewed September 18, 2026

Inland marine

Virginia sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).

• Chapter 19 scopeStatute
• Va. Code 38.2-1903.1Statute
• Va. Code 38.2-1904Statute
• Va. Code 38.2-1906Statute
• Va. Code 38.2-317Statute

Last reviewed September 17, 2026

Earthquake

Virginia sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).

• Va. Code § 38.2-1906 - Filing and use of ratesDepartment guidance
• Va. Code § 38.2-2001 - Insurance to which Chapter 20 appliesDepartment guidance
• Va. Code § 38.2-317 - Filing and approval of policy formsDepartment guidance

Last reviewed September 18, 2026